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WO2017052035A1 - Système de traitement de paiement hors ligne, procédé de traitement de paiement hors ligne utilisant une authentification secondaire, et appareil utilisant ledit procédé - Google Patents

Système de traitement de paiement hors ligne, procédé de traitement de paiement hors ligne utilisant une authentification secondaire, et appareil utilisant ledit procédé Download PDF

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Publication number
WO2017052035A1
WO2017052035A1 PCT/KR2016/006315 KR2016006315W WO2017052035A1 WO 2017052035 A1 WO2017052035 A1 WO 2017052035A1 KR 2016006315 W KR2016006315 W KR 2016006315W WO 2017052035 A1 WO2017052035 A1 WO 2017052035A1
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WO
WIPO (PCT)
Prior art keywords
authentication
store
information
mobile terminal
user
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/KR2016/006315
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English (en)
Korean (ko)
Inventor
곽세병
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.)
SK Planet Co Ltd
Original Assignee
SK Planet Co Ltd
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Priority claimed from KR1020150133763A external-priority patent/KR102505974B1/ko
Priority claimed from KR1020150148084A external-priority patent/KR102505975B1/ko
Priority claimed from KR1020150148087A external-priority patent/KR102505976B1/ko
Application filed by SK Planet Co Ltd filed Critical SK Planet Co Ltd
Publication of WO2017052035A1 publication Critical patent/WO2017052035A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F9/00—Arrangements for program control, e.g. control units
    • G06F9/06—Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
    • G06F9/44—Arrangements for executing specific 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the present invention relates to an offline payment processing system, a second authentication-based offline payment processing method, and a device using the same.
  • payment can be easily performed by inputting a cross point of the touch trace for final payment
  • payment can be easily performed by inputting a touch pattern for final payment.
  • the present invention relates to an offline payment processing technology capable of performing pre-approval for a purchase by performing primary authentication through a swipe pattern in a user terminal.
  • the present invention relates to Korean Patent Application No. 10-2015-0133763, filed September 22, 2015, Korean Patent Application No. 10-2015-0148087, filed October 23, 2015, and Korea, filed October 23, 2015. Claims the benefit of the filing date of Patent Application No. 10-2015-0148084, the entire contents of which are incorporated herein.
  • Korean Registered Patent No. 10-1352710 registered on January 10, 2014 (name: credit card mock payment system and simulated payment method in the payment system and apparatus therefor).
  • An object of the present invention is to provide convenience of payment by performing a second authentication using a cross point generated according to a touch trace input by a user when performing offline payment using a mobile terminal.
  • an object of the present invention is to prevent the risk of security that may occur in the purchase process after the first authentication is completed by performing the second authentication based on the first authentication.
  • an object of the present invention is to process the payment based on pre-authentication to perform offline payments safely and conveniently with only the mobile terminal without taking out the wallet or card separately.
  • an object of the present invention is to provide convenience of payment by performing a second authentication based on a touch pattern input by a user when the user performs offline payment using a mobile terminal.
  • an object of the present invention is to provide a higher safety based on the two-channel authentication when the user performs offline payment using a mobile terminal.
  • an object of the present invention is to safely perform offline payment without taking out the mobile terminal based on the swipe pattern-based pre-authentication.
  • an object of the present invention is to provide a stable payment service while maximizing user convenience when offline payment using a mobile terminal.
  • Offline payment processing apparatus for achieving the above object is a check-in information acquisition unit for obtaining the check-in information corresponding to the store entered by the user; A primary authentication unit for receiving primary authentication information for primary authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; A second authentication unit performing second authentication based on the cross point of the touch trace inputted to the sign pad of the POS and subordinate to the first authentication when the first authentication is valid; And a payment processing unit that performs offline payment in the store based on the result of the second authentication.
  • the second authentication unit may perform the second authentication according to whether or not the registration cross point and the cross point registered in advance by the user match.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result of the mobile terminal until the product corresponding to the purchase is submitted to the POS.
  • the secondary authentication unit may perform the secondary authentication by further considering at least one condition among the number of the cross points and the location of the cross points.
  • the second authentication unit may move the mobile terminal after the first authentication.
  • the second authentication level may be improved when the movement speed of the mobile terminal after the first authentication exceeds a preset reference movement distance and when the movement speed of the mobile terminal corresponds to at least one of the preset reference movement speeds.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained based on the check-in information.
  • the first authentication unit is a case where the monitoring result, the time before the first authentication is performed after obtaining the check-in information exceeds a predetermined reference authentication time and the number of mobile unauthorized payments occurred in the store is preset
  • the first authentication level may be adjusted to correspond to at least one of cases where the reference number is exceeded.
  • the mobile terminal includes a check-in information collecting unit for obtaining the check-in information corresponding to the store entered by the user;
  • a primary authentication performing unit configured to perform primary authentication corresponding to pre-approval for a purchase corresponding to the store by inputting primary authentication information;
  • a second authentication performing unit performing cross-point based second authentication based on touch trajectory for second authentication dependent on the first authentication when the first authentication is valid;
  • a payment performing unit for transmitting the information corresponding to the second authentication to the server to perform the offline payment in the store, and receives the result of the offline payment.
  • the offline payment processing method comprises the steps of obtaining the check-in information corresponding to the store entered by the user; Receiving first authentication information for first authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; If the first authentication is valid, performing a second authentication, which is dependent on the first authentication and is performed based on a cross point of a touch trace input to a sign pad of a POS; And performing offline payment at the store based on the result of the second authentication.
  • the performing of the second authentication may perform the second authentication according to whether or not the user crosses the registered cross point and the cross point.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result of the mobile terminal until the product corresponding to the purchase is submitted to the POS.
  • the second authentication when the second authentication level is improved, the second authentication may be performed by further considering at least one condition among the number of the cross points and the location of the cross points.
  • the step of performing the second authentication is the mobile terminal after the first authentication when the monitoring result exceeds the predetermined reference purchase time from the first authentication until the product is submitted to the POS
  • the second authentication level is improved when the moving distance of the device exceeds at least one of the preset reference moving distances and when the moving speed of the mobile terminal after the first authentication exceeds a preset reference moving speed. You can.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained based on the check-in information.
  • the step of receiving the primary authentication information is when the monitoring result, the time before the first authentication is performed after acquiring the check-in information exceeds a predetermined reference authentication time and the mobile irregularity occurred in the store
  • the number of payments corresponds to at least one of the cases in which the number of payments exceeds a preset reference number
  • the first authentication level may be improved.
  • the offline payment processing apparatus includes a check-in information obtaining unit for obtaining check-in information corresponding to the store entered by the user; A primary authentication unit for receiving primary authentication information for primary authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; A second authentication unit performing second authentication based on a touch pattern input to a sign pad of a POS and subordinate to the first authentication when the first authentication is valid; And a payment processing unit that performs offline payment in the store based on the result of the second authentication.
  • the second authentication unit may perform the second authentication according to whether or not the touch pattern registered by the user and the touch pattern match.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result of the mobile terminal until the product corresponding to the purchase is submitted to the POS.
  • the secondary authentication unit may perform the secondary authentication by further considering at least one condition among a touch length, a swipe direction, and a swipe speed.
  • the second authentication unit may move the mobile terminal after the first authentication.
  • the second authentication level may be improved when the movement speed of the mobile terminal after the first authentication exceeds a preset reference movement distance and when the movement speed of the mobile terminal corresponds to at least one of the preset reference movement speeds.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained based on the check-in information.
  • the first authentication unit is a case where the monitoring result, the time before the first authentication is performed after obtaining the check-in information exceeds a predetermined reference authentication time and the number of mobile unauthorized payments occurred in the store is preset
  • the first authentication level may be adjusted to correspond to at least one of cases where the reference number is exceeded.
  • the mobile terminal includes a check-in information collecting unit for obtaining the check-in information corresponding to the store entered by the user;
  • a primary authentication performing unit configured to perform primary authentication corresponding to pre-approval for a purchase corresponding to the store by inputting primary authentication information;
  • a second authentication performing unit performing touch pattern based second authentication for second authentication dependent on the first authentication when the first authentication is valid;
  • a payment performing unit for transmitting the information corresponding to the second authentication to the server to perform the offline payment in the store, and receives the result of the offline payment.
  • the offline payment processing method comprises the steps of obtaining the check-in information corresponding to the store entered by the user; Receiving first authentication information for first authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; If the first authentication is valid, performing a second authentication that is dependent on the first authentication and is performed based on a touch pattern input to a sign pad of a POS; And performing offline payment at the store based on the result of the second authentication.
  • the performing of the second authentication may perform the second authentication according to whether or not the touch pattern registered by the user and the touch pattern match each other.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result of the mobile terminal until the product corresponding to the purchase is submitted to the POS.
  • the second authentication when the second authentication level is improved, the second authentication may be performed by further considering at least one of a touch length, a swipe direction, and a swipe speed.
  • the step of performing the second authentication is the mobile terminal after the first authentication when the monitoring result exceeds the predetermined reference purchase time from the first authentication until the product is submitted to the POS
  • the second authentication level is improved when the moving distance of the device exceeds at least one of the preset reference moving distances and when the moving speed of the mobile terminal after the first authentication exceeds a preset reference moving speed. You can.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained based on the check-in information.
  • the step of receiving the primary authentication information is when the monitoring result, the time before the first authentication is performed after acquiring the check-in information exceeds a predetermined reference authentication time and the mobile irregularity occurred in the store
  • the number of payments corresponds to at least one of the cases in which the number of payments exceeds a preset reference number
  • the first authentication level may be improved.
  • the offline payment processing apparatus includes a check-in information obtaining unit for obtaining check-in information corresponding to the store entered by the user; A first authentication unit for first authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal, the first authentication unit receiving first authentication information generated according to a swipe operation pattern for the mobile terminal; Reviewing whether the primary authentication is valid, and when the primary authentication is valid, generates secondary authentication information for secondary authentication dependent on the primary authentication to generate at least the POS corresponding to the mobile terminal and the store. A second authentication unit transmitting one; And a payment processing unit which performs offline payment in the store based on the second authentication result using the second authentication information.
  • the swipe operation pattern may be set in consideration of any one or more of a swipe direction, a swipe speed, and a swipe length.
  • the first authentication unit may perform the first authentication by comparing the swipe operation pattern with a registration pattern registered by the user in advance through an application installed in the mobile terminal.
  • the registration pattern is a preset pattern setting range including at least one of the total length of the registration pattern and the number of elements considered in setting the registration pattern according to the first authentication level corresponding to the first authentication. Can be registered within.
  • the primary authentication corresponds to the release conditional authentication, and when the primary authentication is released, the secondary authentication information may be invalidated.
  • the first authentication level may be adjusted according to the monitoring result for the mobile terminal obtained by the check-in information.
  • the first authentication unit is a case where the monitoring result, the time before the first authentication is performed after obtaining the check-in information exceeds a predetermined reference authentication time and the number of mobile unauthorized payments occurred in the store is preset
  • the first authentication level may be adjusted to correspond to at least one of cases where the reference number is exceeded.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result of the mobile terminal until the product corresponding to the purchase is submitted to the POS.
  • the mobile terminal includes a check-in information collecting unit for obtaining the check-in information corresponding to the store entered by the user;
  • a first authentication performing unit configured to input first authentication information corresponding to a swipe operation pattern to perform first authentication corresponding to pre-approval for a purchase corresponding to the store;
  • a second authentication performing unit generating second authentication information for second authentication dependent on the first authentication when the first authentication is valid;
  • a payment performing unit for transmitting the second authentication information to any one of the server and the POS corresponding to the store in order to perform the offline payment in the store, and receives the result of the offline payment.
  • the offline payment processing method comprises the steps of obtaining the check-in information corresponding to the store entered by the user; Receiving first authentication information generated for a first authentication corresponding to a pre-approval for a purchase corresponding to the store from a mobile terminal, and corresponding to a swipe operation pattern for the mobile terminal; Reviewing whether the primary authentication is valid, and when the primary authentication is valid, generates secondary authentication information for secondary authentication dependent on the primary authentication to generate at least the POS corresponding to the mobile terminal and the store. Transmitting to one; And performing an offline payment at the store based on a second authentication result using the second authentication information.
  • the swipe operation pattern may be set in consideration of any one or more of a swipe direction, a swipe speed, and a swipe length.
  • the primary authentication may be performed by comparing a swipe operation pattern with a registration pattern previously registered by the user through an application installed in the mobile terminal.
  • the registration pattern is a preset pattern setting range including at least one of the total length of the registration pattern and the number of elements considered in setting the registration pattern according to the first authentication level corresponding to the first authentication. Can be registered within.
  • the primary authentication corresponds to the release conditional authentication, and when the primary authentication is released, the secondary authentication information may be invalidated.
  • the first authentication level may be adjusted according to the monitoring result for the mobile terminal obtained by the check-in information.
  • the step of receiving the primary authentication information is when the monitoring result, the time before the first authentication is performed after acquiring the check-in information exceeds a predetermined reference authentication time and the mobile irregularity occurred in the store
  • the number of payments corresponds to at least one of the cases in which the number of payments exceeds a preset reference number
  • the first authentication level may be improved.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result of the mobile terminal until the product corresponding to the purchase is submitted to the POS.
  • convenience of payment may be provided by performing second authentication using a cross point generated according to a touch trace input by the user.
  • the present invention can provide a more stable offline payment system by varying the authentication level for payment in accordance with the monitoring condition before payment.
  • the present invention can prevent the risk of security that may occur in the purchase process after the first authentication is completed by performing the second authentication based on the first authentication.
  • the present invention can process the payment based on pre-authentication, and can safely and conveniently perform offline payment only with a mobile terminal without taking out a wallet or a card.
  • the present invention can provide convenience of payment by performing the second authentication based on the touch pattern input by the user when the user performs offline payment using the mobile terminal.
  • the present invention can provide a higher safety based on the two-channel authentication when the user performs the offline payment using the mobile terminal.
  • the present invention can safely perform offline payment without taking out the mobile terminal based on the swipe pattern-based pre-authentication.
  • the present invention can provide a stable payment service while maximizing user convenience when offline payment using a mobile terminal.
  • FIG. 1 is a block diagram showing an offline payment system using an application pay in one embodiment of the present invention.
  • FIG. 2 is a block diagram showing an offline payment processing apparatus according to an embodiment of the present invention.
  • FIG. 3 is a block diagram showing a mobile terminal according to an embodiment of the present invention.
  • 4 to 8 are diagrams showing a payment progress screen when an application member in a payment method through BLE PUSH according to an embodiment of the present invention.
  • 9 to 15 are views illustrating a member registration screen when an application is a non-member in a payment method through BLE PUSH according to an embodiment of the present invention.
  • 16 is a diagram illustrating an example of registering a cross point according to the present invention.
  • 17 is a diagram illustrating another example of registering a cross point according to the present invention.
  • FIG. 18 is a flowchart illustrating an offline payment processing method in terms of an offline payment processing apparatus according to an embodiment of the present invention.
  • 19 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention in terms of a mobile terminal.
  • FIG. 20 is a diagram illustrating a process of improving a second authentication level of second authentication in the offline payment processing method illustrated in FIG. 18.
  • FIG. 21 is a detailed diagram illustrating a process of improving first authentication level of first authentication in the offline payment processing method illustrated in FIG. 18.
  • 22 is a block diagram showing an offline payment system using an application pay in one embodiment of the present invention.
  • 23 is a block diagram showing an offline payment processing apparatus according to an embodiment of the present invention.
  • 24 is a block diagram showing a mobile terminal according to an embodiment of the present invention.
  • 25 to 29 are views showing a payment progress screen when an application member in a payment method through BLE PUSH according to an embodiment of the present invention.
  • FIGS. 30 to 36 are views illustrating a member registration screen when an application is a non-member in a payment method through BLE PUSH according to an embodiment of the present invention.
  • FIG. 37 is a diagram illustrating an example of registering a touch pattern according to the present invention.
  • 38 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention in terms of an offline payment processing device.
  • 39 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the mobile terminal side.
  • FIG. 40 is a diagram illustrating in detail a process of improving a second authentication level of second authentication in the offline payment processing method illustrated in FIG. 38.
  • FIG. 41 is a diagram illustrating a process of improving the first authentication level of first authentication in the offline payment processing method illustrated in FIG. 38.
  • FIG. 42 is a block diagram illustrating an offline payment system using an application pay in one embodiment of the present invention.
  • FIG. 43 is a block diagram showing an offline payment processing apparatus according to an embodiment of the present invention.
  • 44 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.
  • 45 to 49 are diagrams illustrating a payment progress screen when an application member is used in a payment method through BLE PUSH according to an embodiment of the present invention.
  • 50 to 56 are views illustrating a member registration screen when an application is a non-member in a payment method through BLE PUSH according to an embodiment of the present invention.
  • 57 is a flowchart illustrating an offline payment processing method in terms of an offline payment processing apparatus according to an embodiment of the present invention.
  • FIG. 58 is a flowchart illustrating an offline payment processing method in a mobile terminal side according to an embodiment of the present invention.
  • FIG. 59 is a detailed diagram illustrating a process of improving first authentication level of first authentication in the offline payment processing method illustrated in FIG. 57.
  • FIG. 60 is a diagram illustrating a process of improving a second authentication level of second authentication in the offline payment processing method illustrated in FIG. 57.
  • FIG. 1 is a block diagram showing an offline payment system using an application pay in one embodiment of the present invention.
  • a payment system using an application pay includes an application server 110, a terminal 120, a POS device 130, a BLE server 140, and a BLE device 150. Include.
  • the payment system may correspond to a system for performing payment using an application pay based on an application installed in a mobile terminal of a user when purchasing a product at an offline store.
  • the application server 110 may be a server that provides an application 111 for performing payment with information related to payment to the user terminal 120 and performs a procedure related to payment. In this case, the application server 110 may transmit and receive data through the network.
  • the application server 110 may be an offline payment processing device according to an embodiment of the present invention.
  • the application server 110 may include an offline payment processing apparatus according to an embodiment of the present invention.
  • the network provides a passage for transferring data between the application server 110 and the terminal 120, and is a concept encompassing both a network used in the future and a network that can be developed in the future.
  • a network may provide communication between earth stations and earth stations by using a wired / wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between each other, and between the mobile device and the outside of the mobile device, and satellites. It may be one of a satellite communication network or a wired or wireless communication network, or a combination of two or more.
  • the transmission standard of the network is not limited to the existing transmission standard, and may include all transmission standard that will be developed in the future.
  • the network used between the application server 110 and the terminal 120 in FIG. 1 is different from the network used between the application server 120 and the POS device 130 and the BLE server 140 and the terminal 120. May be the same or may be the same.
  • the terminal 120 receives information corresponding to product payment from the application server 110 using an application and provides the same to the user.
  • the terminal 120 is a device capable of executing an application connected to a communication network, and includes a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet computer, It may be a mobile terminal having various mobile communication specifications such as a notebook (Note book), a net book (Net Book), a personal digital assistant (PDA) and an information communication device.
  • PMP portable multimedia player
  • MID mobile internet device
  • smart phone a tablet computer
  • PDA personal digital assistant
  • the terminal 120 may receive various information such as numerals and text information, and may transmit various signals to the controller through an input unit for setting various functions and controlling functions of the terminal 120.
  • the input unit of the terminal 120 may include at least one of a keypad and a touch pad generating an input signal according to a user's touch or manipulation.
  • the input unit of the terminal 120 is configured in the form of a single touch panel (or touch screen) together with the display unit of the terminal 120 to simultaneously perform input and display functions.
  • the input unit of the terminal 120 may use any type of input means that may be developed in the future.
  • the input unit of the terminal 120 according to the present invention may transmit an input signal for selecting a card or performing a payment to the controller of the terminal 120 based on an optimal card recommendation system.
  • the display unit of the terminal 120 may display information on a series of operation states and operation results generated while performing the function of the terminal 120. In addition, the display unit of the terminal 120 may display a menu of the terminal 120 and user data input by the user.
  • the display unit of the terminal 120 includes a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD), a light emitting diode (LED), and an organic light emitting diode (OLED). , Organic LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display.
  • the display unit of the terminal 120 when the display unit of the terminal 120 is configured in the form of a touch screen, the display unit of the terminal 120 may perform some or all of the functions of the input unit of the terminal 120.
  • the display unit of the terminal 120 according to the present invention may display information related to the optimal recommendation card and payment provided on the basis of the optimal card recommendation system on a screen.
  • the storage unit of the terminal 120 is a device for storing data, and includes a main memory device and an auxiliary memory device, and may store an application program required for a functional operation of the terminal 120.
  • the storage unit of the terminal 120 may largely include a program area and a data area. In this case, when the terminal 120 activates each function in response to a user's request, the terminal 120 executes corresponding application programs under the control of the controller to provide each function.
  • the storage unit of the terminal 120 may store an operating system for booting the terminal 120, a program for recommending a card or performing a payment based on an optimal card recommendation system.
  • the storage unit of the terminal 120 may store a content DB for storing a plurality of contents and information of the terminal 120.
  • the content DB may include execution data for executing the content and attribute information on the content, and content usage information according to the content execution may be stored.
  • the information of the terminal 120 may include terminal specification information.
  • the communication unit of the terminal 120 may perform a function for transmitting and receiving data with the application server 110 through a network.
  • the communication unit of the terminal 120 may include RF transmission means for up-converting and amplifying the frequency of the transmitted signal, and RF reception means for low-noise-amplifying and down-converting the received signal.
  • the communication unit of the terminal 120 may include at least one of a wireless communication module and a wired communication module.
  • the wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 120 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the application server 110.
  • the wired communication module is for transmitting and receiving data by wire.
  • the wired communication module may be connected to a network through a wire to transmit and receive data to and from the application server 110. That is, the terminal 120 accesses a network using a wireless communication module or a wired communication module, and transmits and receives data to and from the application server 110 through the network.
  • the terminal 120, the application server 110, and the BLE server 140 may communicate with each other to transmit and receive data necessary for recommending the optimal card based on the optimal card recommendation system.
  • the controller of the terminal 120 may be a process device for driving an operating system (OS) and each component, for example, the controller may control the overall process of accessing the application server 110.
  • OS operating system
  • the controller may control the overall process of running the service application according to the user's request, and at the same time the service use request to the application server 110 It may be controlled to be transmitted, and in this case, it may be controlled to transmit the information of the terminal 120 required for user authentication.
  • the controller of the terminal 120 may execute specific content stored in the storage of the terminal 120 according to a user's request.
  • the controller may store a content usage history according to content execution as content usage information.
  • the terminal 120 of the user has an application for the application pay service is installed, it may correspond to the terminal 120 of the user subscribed to the application pay service.
  • the POS device 130 is a device for performing payment of goods in the store 160, and may correspond to a device capable of performing an application pay service based on communication with the application server 110.
  • the BLE server 140 may be a server for identifying the location of the terminal 120 and providing information by using a Bluetooth low energy technology.
  • the Bluetooth low power technology is a short-range wireless communication technology that periodically transmits information of an object based on Bluetooth 4.0 within a predetermined radius range. That is, even if a user of the terminal 120 does not take any action, the user of the terminal 120 may automatically detect the location of the user and provide a signal for a payment service.
  • beacon is a short-range data communication technology using Bluetooth Low Energy (BLE), and various application services such as object and situation recognition, content push, indoor location positioning, automatic check-in, and geofencing based on proximity positioning. Can be enabled. Compared with similar technologies in the past, it is more convenient and can be provided at a lower cost, which can serve as a catalyst for forming a new service market.
  • the beacon may refer to any device that periodically transmits a signal.
  • the BLE device 150 illustrated in FIG. 1 may correspond to a beacon.
  • Such beacons may be divided into sound-based low frequency beacons, LED beacons, Wi-Fi beacons, and Bluetooth beacons according to a method of transmitting a signal.
  • the beacon can transmit a periodic signal in a small packet of approximately 21 bytes, does not need to be paired with the receiving target, and operates at low power, but the ID value and the received signal strength of the beacon transmitter up to 50 meters It is possible to transmit a signal corresponding to.
  • the price is small and can be easily attached anywhere, it can be used anywhere even in an offline store.
  • the terminal 120 may detect a corresponding terminal 120 and transmit a signal including information. .
  • the store 160 may correspond to an offline store where payment is performed, and may correspond to an application pay service affiliated store where the application pay agent and the BLE device 150 are installed.
  • the user may enter the store 160 with the terminal 120.
  • the beacon which is a BLE-based short-range data communication technology, may be used to detect that the user has entered the store 160.
  • the BLE signal transmitted from the BLE device 150 which is a beacon located in the store 160, may be received by the Bluetooth-enabled terminal 120 using the BLE SDK 141.
  • the BLE signal may be received through the application 111 installed based on the BLE SDK 141.
  • the BLE server 140 may provide the terminal 120 with information related to the BLE benefit corresponding to the BLE signal. .
  • the terminal 120 may access the application server 110 based on the BLE benefit information received from the BLE server 140 through the application.
  • the application server 110 may include at least one module for performing payment.
  • the application server 110 may include a membership providing module that may provide membership information based on user information of the terminal 120 and store information corresponding to the store 160.
  • the membership providing module may include a separate database for storing membership information for each user and store information for each store.
  • the application server 110 may include an application pay payment module for performing a payment through the application pay.
  • the application pay payment module may include credit card information or bank information for performing a payment through the application pay. For example, when a user pays an application pay through a credit card to purchase a product at the store 160, the application pay payment module and the credit card application may transmit and receive data for performing real time payment.
  • the application pay payment module may include an optimal card recommendation device for recommending an optimal card in consideration of discount benefits, store benefits, and accumulation among credit cards possessed by a user based on credit card information.
  • the best card according to the discount rate or the accumulation rate may be recommended by combining the benefit information provided through the membership card and the benefit information provided through the membership card when the target performance of the previous month was achieved for each type of credit card.
  • the optimal card recommendation device may be configured independently of the application pay payment module.
  • the application server 110 through the membership providing module membership information, coupons or gift information for the user can use in the store 160, event information and marketing information in progress in the store 160, etc. It may include a store information providing module that can provide.
  • the store information providing module provides the application server 110 by searching for the gift icons or coupons that the user can use in the store 160 through the application, so that the user can display the gift icons through the application installed in the terminal 120. You can use the coupon.
  • the store information providing module provides the application server 110 with event information and marketing information corresponding to a plurality of stores that provide a service according to an embodiment of the present invention. Information about the ongoing event and marketing in 160 may be provided to the user terminal 120.
  • the user accessing the application server 110 through the terminal 120 may perform pre-authentication in the application pay service to purchase a product in the store 160.
  • the user may enter a step for pre-authentication by receiving a purchase-related push message through the BLE device 150 and clicking a purchase button included in the push message.
  • various methods such as a PIN number input, a picture image gesture and a touch gesture may be used as pre-authentication for purchase, that is, primary authentication.
  • the offline payment processing apparatus included in the application server 110 or corresponding to the application server 110 receives the corresponding first authentication information of the first authentication performed by the terminal 120 to determine whether to authenticate. You can judge.
  • the user moves to the POS device 130 with the product to be purchased in the store 160, and expresses a willingness to pay through the application pay at the cashier of the store 160, and performs the second authentication for the purchase and payment of the product. can do.
  • the second authentication may be authentication dependent on the first authentication, and the second authentication may be performed while the first authentication is valid.
  • a user has a terminal 120 and is located in a zone for payment near the POS device 130, and inputs a gesture gesture pattern using the terminal 120 within the payment zone.
  • the POS device 130 may check the user who uses the application pay service and proceed with payment.
  • the application server 110 may transmit a message indicating whether payment through the application pay was successfully performed to at least one of the terminal 120 or the POS device 130 of the user.
  • FIG. 2 is a block diagram showing an offline payment processing apparatus according to an embodiment of the present invention.
  • the offline payment processing apparatus is a communication unit 210, check-in information acquisition unit 220, primary authentication unit 230, secondary authentication unit 240, payment processing unit 250 and storage unit 260.
  • the communication unit 210 plays a role of transmitting and receiving information necessary for offline payment processing with a mobile terminal of a user through a communication network such as a network.
  • the communication unit 210 may receive information for performing check-in, first authentication, and second authentication from the mobile terminal, and provide the mobile terminal with information corresponding to offline payment processing. have.
  • information for performing offline payment processing may be received from a separate application server or a POS installed in a store.
  • the check-in information obtaining unit 220 obtains check-in information corresponding to a store entered by the user.
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • a device such as a BLE beacon may be installed at an entrance of a store, and when a user's mobile terminal enters an area of the BLE beacon, the terminal may be detected to transmit a signal including information of the store.
  • the mobile terminal receiving the signal may obtain the information of the store included in the signal through the application, and transmit the information to the offline payment processing device using the information as check-in information.
  • any technology capable of detecting that the user's mobile terminal has visited the store may be used as a technology for obtaining check-in information without being limited to any technology.
  • the primary authentication unit 230 receives primary authentication information for primary authentication corresponding to a preauthorization of a purchase corresponding to a store from the mobile terminal.
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the primary authentication may correspond to entering a PIN number in the mobile terminal. That is, the first authentication may be performed at the mobile terminal. For example, when the PIN is input to perform the first authentication in the mobile terminal, the first approval may be made by recognizing the PIN number input to the mobile terminal as the first authentication information and transmitting the same to the offline payment processing device. .
  • the first authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • primary authentication may correspond to authentication involving spatial or temporal release conditions.
  • one of the release conditions of the primary authentication may be a timeout time corresponding to the time that the primary authentication is valid. That is, after performing the first authentication, if the preset timeout time is exceeded, the first authentication may be automatically released.
  • the timeout time may be set differently according to the type of store. For example, a store such as a supermarket may set a timeout time of 30 minutes to 1 hour to suit a shopping time. In addition, in a store such as a restaurant, a timeout time may be set from 2 to 3 hours to suit a meal time.
  • the payment through the mobile terminal may not be performed regardless of whether the second authentication is valid. Therefore, in order to perform the payment through the mobile terminal after the first authentication is released, the first authentication may be performed again, and then the second authentication may be performed to process the payment.
  • the first authentication may be released when the mobile terminal moves away from the store by a predetermined distance or more.
  • the mobile terminal is located by using a short range wireless communication device installed at various locations of the store entrance and the inside of the store, and the mobile terminal is determined to be out of the store and distanced more than a certain distance, the first authentication is released. Can be.
  • the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained based on the check-in information.
  • the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.
  • the monitoring result may correspond to the situation until the first authentication is performed.
  • the primary authentication level can be adjusted to improve. In other words, if a user with a mobile terminal enters a store, it takes an unusually long time before performing the first authentication, or if the store where the user enters is a store where frequent mobile fraud occurs. In order to secure payment, the first authentication level for the first authentication can be improved.
  • the primary authentication may be adjusted and performed to add a procedure for inputting a PIN number when the primary authentication level is improved.
  • the keyboard of the mobile terminal may be changed every time a PIN is input, rather than a simple PIN input.
  • a method of inputting a color pattern after inputting the PIN or increasing the length of the PIN by using dummy numbers may be used.
  • a method of inputting the PIN through audio feedback may be used as the first authentication level is improved.
  • the first authentication level may be improved by different conditions that may be additionally considered in the first authentication according to the first authentication method. For example, assuming that the primary authentication method corresponds to fingerprint recognition, as the primary authentication level is improved, the user may further request fingerprint recognition of another finger. In addition, in the case of face recognition, in addition to recognizing the front of the face, the left or right side of the face may be recognized.
  • the second authentication unit 240 performs the second authentication which is dependent on the first authentication and is performed based on the cross point of the touch trace input to the sign pad of the POS.
  • the second authentication may be performed according to whether or not the cross point and the registered cross point registered by the user are matched with each other.
  • the touch trace may be input so that the same number of cross points as the registered cross points are generated to perform the second authentication.
  • the second authentication may be performed using a device capable of inputting a touch trace, that is, a mobile terminal or a terminal capable of touch input.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result for the mobile terminal until the product corresponding to the purchase is submitted to the POS. That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.
  • secondary authentication may be performed by further considering at least one condition among the number of cross points and the location of the cross points.
  • the number of cross points may be increased when the touch trace is input, or the position where the cross points are generated may be set on the screen of the sign pad.
  • the location of the cross point may be adjusted by dividing the area of the sign pad to divide each area and inputting a touch trace to generate a cross point in a specific area.
  • the touch trace may be input such that the position of the second cross point is located below the position of the first cross point.
  • the first touch point is inputted so that the first touch point is created in the first area of the segmented sine pad, and the second cross point is divided into four segments.
  • the touch trace may be input to be generated in area 2 of the sign pad.
  • the number of divisions of the sign pad can be freely set.
  • the second authentication level may be adjusted to be improved.
  • the preset reference purchase time may correspond to a time less than the timeout time satisfying the release condition of the first authentication.
  • the second authentication may be lower than the first authentication level. That is, since the purchase intention of the user who wants to purchase the product through the first authentication through the mobile terminal is confirmed, if the first authentication is not released because the conditions for canceling the first authentication are satisfied, the purchase is made only with the second level authentication of the lower level. Confirmation can also reduce the likelihood of fraud. Therefore, although the authentication level is lower than that of the first authentication, the second authentication may be an authentication method that can maximize the user's convenience.
  • secondary authentication may correspond to authentication dependent on primary authentication. That is, when the primary authentication using the mobile terminal is completed, the POS may perform the secondary authentication for the user who has completed the primary authentication.
  • the payment processor 250 performs offline payment in a store based on the result of the second authentication. That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.
  • the storage unit 260 stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.
  • the storage unit 260 may be configured independently of the offline payment processing apparatus to support a function for an offline payment processing service. At this time, the storage unit 260 may operate as a separate mass storage, and may include a control function for performing the operation.
  • the offline payment processing device is equipped with a memory can store information in the device.
  • the memory is a computer readable medium.
  • the memory may be a volatile memory unit, and for other implementations, the memory may be a nonvolatile memory unit.
  • the storage device is a computer readable medium.
  • the storage device may include, for example, a hard disk device, an optical disk device, or some other mass storage device.
  • the convenience of payment can be provided by performing a second authentication using a cross point generated according to a touch trace input by the user. Can be.
  • FIG. 3 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.
  • another mobile terminal includes a check-in information collecting unit 310, a first authentication performing unit 320, a second authentication performing unit 330, and a payment performing unit 340. Include.
  • the check-in information collecting unit 310 obtains check-in information corresponding to the store entered by the user.
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • the mobile terminal may receive a beacon signal from a BLE beacon device installed at the entrance of the store.
  • the beacon signal may include check-in information including the information of the store.
  • the first certification performing unit 320 performs the first certification corresponding to the approval of the purchase corresponding to the store. For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the first authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • primary authentication may correspond to authentication involving spatial or temporal release conditions.
  • the second authentication performing unit 330 performs cross-point based second authentication by touch trajectory for second authentication dependent on the first authentication.
  • the second authentication may be completed according to whether or not the registration cross point registered by the user in advance and the cross point of the touch trace input by the user are matched with each other. For example, when two registered cross points are included in the touch trace, the touch trace may be input so that the same number of cross points as the registered cross points are generated to perform the second authentication.
  • secondary authentication may be performed by further considering at least one condition among the number of cross points and the location of the cross points.
  • the number of cross points may be increased when the touch trace is input, or the location where the cross points are generated may be set on the touch screen of the mobile terminal.
  • the location of the cross point may be adjusted by dividing the touch screen area of the mobile terminal to divide each area and inputting a touch trace to generate a cross point in a specific area.
  • the relative position between the cross points may be considered or the absolute position of each cross point may be considered according to the touch screen area.
  • the touch trace may be input such that the position of the second cross point is located below the position of the first cross point.
  • the first cross point is inputted with a touch trace such that the first cross point is necessarily created in the first area of the touch screen area of the divided mobile terminal.
  • the touch trace may be input to be generated in area 2 of the divided sign pads.
  • the number of divisions of the touch area can be freely set.
  • the payment performing unit 340 transmits the information corresponding to the second authentication to the server in order to perform the offline payment in the store, and receives the result of the offline payment. For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.
  • 4 to 8 are diagrams showing a payment progress screen when an application member in a payment method through BLE PUSH according to an embodiment of the present invention.
  • the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacons installed in the store, the product benefits screen 410 including the discount information and coupon information in the store included in the BLE signal to expose to the mobile terminal Can be. That is, the mobile terminal may obtain discount information and coupon information by obtaining check-in information corresponding to the store through the beacon of the store. In addition, the mobile terminal may provide check-in information to the offline payment processing device through the application.
  • the product benefit screen 410 may output discount information and coupon information together with a payment button on the lockscreen 412 of the mobile terminal.
  • the product benefit screen 410 may output discount information and coupon information along with a payment button on the BLE Noti 411 of the mobile terminal.
  • the detailed screen 510 of the store corresponding to the product benefits screen 410 through the application as shown in FIG. Can be output to the terminal.
  • the detailed screen 510 of the store may output more detailed discount and coupon information together with the store information.
  • a payment button can be output together so that the user can proceed with the payment process at any time.
  • a payment PIN input window (as shown in FIG. 6) to perform the first authentication for the application pay service ( 610 may be output. That is, based on the offline payment processing device linked through the application, the window for the first authentication corresponding to the approval of the corresponding store may be output to the mobile terminal.
  • the first authentication may use a picture image gesture authentication method, a touch gesture authentication method, a fingerprint recognition, a face recognition, and a voice recognition in addition to the PIN number input authentication method.
  • the PIN can be transferred to the offline payment processing device to complete the first authentication.
  • the offline payment processing device or the server may transmit information such as a picture or a phone number of the user who has completed the first authentication to the POS.
  • information corresponding to a user who has completed primary authentication that is, a buyer who has completed primary authentication may be displayed on the payment screen 710 on the POS device installed in the store.
  • the second authentication may be performed based on the first point authentication and is performed based on the cross point of the touch trace inputted to the sign pad at the POS.
  • the second authentication may be completed when the registration cross point registered in advance by the user is compared with the cross point input to the sign pad.
  • the user's mobile terminal may be inputted using the user's mobile terminal.
  • the payment success message 811 may be transmitted to the user's mobile terminal as shown in FIG. 8.
  • the payment success message 811 may display the name of the paid store, a payment method, and a payment amount.
  • the payment failure message 812 may be transmitted to the mobile terminal of the user, and the payment screen 813 may be output again to the mobile terminal in order to perform the payment again.
  • the payment screen 813 may output a payment button or a barcode for application pay payment.
  • 9 to 15 are views illustrating a member registration screen when an application is a non-member in a payment method through BLE PUSH according to an embodiment of the present invention.
  • the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacons installed in the store, and exposes the product benefits screen 910 including the discount information and coupon information in the store included in the BLE signal to the mobile terminal. Can be.
  • the product benefit screen 910 when the mobile terminal is locked, the product benefit screen 910 outputs discount information and coupon information to the lockscreen 912 of the terminal, but the payment button may not be output because it is a non-member of the application pay service. .
  • the product benefit screen 910 may output the discount information and coupon information to the BLE Noti (911) of the mobile terminal.
  • the detailed screen 1010 of the store may output more detailed discount and coupon information together with the store information.
  • a pay app subscription button for subscribing to an application pay service may be output together so that a user may subscribe to a service for payment at any time.
  • the user authentication screen 1210 may be output to the mobile terminal to authenticate the user.
  • the user authentication may be performed by inputting a user's name, social security number, communication company and mobile phone number, and the like, and inputting an authentication number.
  • the payment PIN registration screen 1310 may be output to the mobile terminal in order to register the payment PIN number used for the first authentication in the application pay service as shown in FIG. 13.
  • the payment PIN registration screen 1310 not only the payment PIN registration screen 1310 but also a registration screen of various authentication means such as a fingerprint registration screen and a voice registration screen may be output according to the primary authentication method.
  • the card information registration screen 1410 may be output to the mobile terminal as shown in FIG. 14 to register the card to be used in the application pay service.
  • the subscription confirmation screen 1510 is finally outputted as shown in FIG. 15, and when the user selects confirmation, the subscription may be completed.
  • the user may provide an application pay service after performing a first authentication through a PIN number by outputting a payment button to the user's mobile terminal.
  • 16 is a diagram illustrating an example of registering a cross point according to the present invention.
  • a cross point may be registered in advance. For example, when a cross point registration window 1610 is displayed as shown in FIG. 16 in the process of subscribing to an application pay service using a mobile terminal of the user, the user directly registers the cross point 1630 by inputting a touch trace 1620. can do.
  • the cross point 1630 may be a portion that overlaps when the touch trace 1620 is input.
  • at least one cross point 1630 may be included in the touch trace 1620.
  • a plurality of cross points may be included in the touch trace.
  • 17 is a diagram illustrating another example of registering a cross point according to the present invention.
  • a user registers a plurality of cross points as a registration cross point to be used for payment.
  • the second authentication may be performed corresponding to the second authentication level, and the number of cross points or the location of the cross points may be further considered in the second authentication according to the second authentication level.
  • the second authentication may be performed by further considering the relative position between the two cross points 1730 and 1731. That is, it may be further confirmed whether the position on the first generated cross point 1730 is located above the position of the second generated cross point 1731. If the location of the second generated cross point 1731 is located above the first generated cross point 1730, the second authentication may fail.
  • the second authentication may be performed by further considering the absolute positions of each of the two cross points 1730 and 1731. That is, it is checked whether the position of the first generated cross point 1730 is located in the first area of the upper left of the areas of the four divided sign pads, and the sign of the second generated cross point 1731 is divided into four parts. You can check whether it is located in the fourth area of the bottom right of the pad area. If at least one cross point 1730 and 1731 are not located in the corresponding area, the second authentication may fail.
  • FIG. 18 is a flowchart illustrating an offline payment processing method in terms of an offline payment processing apparatus according to an embodiment of the present invention.
  • the offline payment processing method obtains check-in information corresponding to a store where a user enters (S1810).
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • a device such as a BLE beacon may be installed at an entrance of a store, and when a user's mobile terminal enters an area of the BLE beacon, the terminal may be detected to transmit a signal including information of the store.
  • the mobile terminal receiving the signal may obtain the information of the store included in the signal through the application, and transmit the information to the offline payment processing device using the information as check-in information.
  • any technology capable of detecting that the user's mobile terminal has visited the store may be used as a technology for obtaining check-in information without being limited to any technology.
  • the offline payment processing method receives the first authentication information for the first authentication corresponding to the approval for the purchase corresponding to the store from the mobile terminal (S1820).
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the primary authentication may correspond to entering a PIN number in the mobile terminal. That is, the first authentication may be performed at the mobile terminal. For example, when the PIN is input to perform the first authentication in the mobile terminal, the first approval may be made by recognizing the PIN number input to the mobile terminal as the first authentication information and transmitting the same to the offline payment processing device. .
  • the first authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • primary authentication may correspond to authentication involving spatial or temporal release conditions.
  • one of the release conditions of the primary authentication may be a timeout time corresponding to the time that the primary authentication is valid. That is, after performing the first authentication, if the preset timeout time is exceeded, the first authentication may be automatically released.
  • the timeout time may be set differently according to the type of store. For example, a store such as a supermarket may set a timeout time of 30 minutes to 1 hour to suit a shopping time. In addition, in a store such as a restaurant, a timeout time may be set from 2 to 3 hours to suit a meal time.
  • the payment through the mobile terminal may not be performed regardless of whether the second authentication is valid. Therefore, in order to perform the payment through the mobile terminal after the first authentication is released, the first authentication may be performed again, and then the second authentication may be performed to process the payment.
  • the first authentication may be released when the mobile terminal moves away from the store by a predetermined distance or more.
  • the mobile terminal is located by using a short range wireless communication device installed at various locations of the store entrance and the inside of the store, and the mobile terminal is determined to be out of the store and distanced more than a certain distance, the first authentication is released. Can be.
  • the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained based on the check-in information.
  • the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.
  • the monitoring result may correspond to the situation until the first authentication is performed.
  • the primary authentication level can be adjusted to improve. In other words, if a user with a mobile terminal enters a store, it takes an unusually long time before performing the first authentication, or if the store where the user enters is a store where frequent mobile fraud occurs. In order to secure payment, the first authentication level for the first authentication can be improved.
  • the primary authentication may be adjusted and performed to add a procedure for inputting a PIN number when the primary authentication level is improved.
  • the keyboard of the mobile terminal may be changed every time a PIN is input, rather than a simple PIN input.
  • a method of inputting a color pattern after inputting the PIN or increasing the length of the PIN by using dummy numbers may be used.
  • a method of inputting the PIN through audio feedback may be used as the first authentication level is improved.
  • the first authentication level may be improved by different conditions that may be additionally considered in the first authentication according to the first authentication method. For example, assuming that the primary authentication method corresponds to fingerprint recognition, as the primary authentication level is improved, the user may further request fingerprint recognition of another finger. In addition, in the case of face recognition, the left side or the right side of the face may be recognized in addition to recognizing the front side of the face.
  • the offline payment processing method determines whether the first authentication is valid (S1825).
  • the offline payment processing method is dependent on the primary authentication and is based on the cross point of the touch trace input to the sign pad of the POS.
  • Second authentication is performed by performing (S1830).
  • the second authentication may be performed according to whether or not the cross point and the registered cross point registered by the user are matched with each other.
  • the touch trace may be input so that the same number of cross points as the registered cross points are generated to perform the second authentication.
  • the second authentication may be performed using a device capable of inputting a touch trace, that is, a mobile terminal or a terminal capable of touch input.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result for the mobile terminal until the product corresponding to the purchase is submitted to the POS. That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.
  • secondary authentication may be performed by further considering at least one condition among the number of cross points and the location of the cross points.
  • the number of cross points may be increased when the touch trace is input, or the position where the cross points are generated may be set on the screen of the sign pad.
  • the location of the cross point may be adjusted by dividing the area of the sign pad to divide each area and inputting a touch trace to generate a cross point in a specific area.
  • the touch trace may be input such that the position of the second cross point is located below the position of the first cross point.
  • the first touch point is inputted so that the first touch point is created in the first area of the segmented sine pad, and the second cross point is divided into four segments.
  • the touch trace may be input to be generated in area 2 of the sign pad.
  • the number of divisions of the sign pad can be freely set.
  • the second authentication level may be adjusted to be improved.
  • the preset reference purchase time may correspond to a time less than the timeout time satisfying the release condition of the first authentication.
  • the second authentication may be lower than the first authentication level. That is, since the purchase intention of the user who wants to purchase the product through the first authentication through the mobile terminal is confirmed, if the first authentication is not released because the conditions for canceling the first authentication are satisfied, the purchase is made only with the second level authentication of the lower level. Confirmation can also reduce the likelihood of fraud. Therefore, although the authentication level is lower than that of the first authentication, the second authentication may be an authentication method that can maximize the user's convenience.
  • secondary authentication may correspond to authentication dependent on primary authentication. That is, when the primary authentication using the mobile terminal is completed, the POS may perform the secondary authentication for the user who has completed the primary authentication.
  • the primary authentication information may be received to perform the primary authentication again.
  • the offline payment processing method performs the offline payment in the store based on the result of the second authentication (S1840). That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.
  • the offline payment processing method transmits and receives information required for offline payment processing with the mobile terminal of the user through a communication network, such as a network.
  • a communication network such as a network.
  • information for performing offline payment processing may be received from a separate application server or a POS installed in a store.
  • the offline payment processing method according to an embodiment of the present invention stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.
  • the storage module for storing information may be configured independently of the offline payment processing device to support a function for an offline payment processing service.
  • the storage module may operate as a separate mass storage and may include a control function for performing an operation.
  • 19 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention in terms of a mobile terminal.
  • the offline payment processing method obtains check-in information corresponding to a store where a user enters (S1910).
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • the mobile terminal may receive a beacon signal from a BLE beacon device installed at the entrance of the store.
  • the beacon signal may include check-in information including the information of the store.
  • the offline payment processing method performs a first authentication corresponding to a pre-approval for a purchase corresponding to a store (S1920). For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the offline payment processing method determines whether the first authentication is valid (S1925).
  • the first authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • primary authentication may correspond to authentication involving spatial or temporal release conditions.
  • the first authentication may be performed.
  • the offline payment processing method may be based on crosspoints based on the touch point for secondary authentication dependent on the primary authentication.
  • the second authentication is performed (S1930).
  • the second authentication may be completed according to whether or not the registration cross point registered by the user in advance and the cross point of the touch trace input by the user are matched with each other. For example, when two registered cross points are included in the touch trace, the touch trace may be input so that the same number of cross points as the registered cross points are generated to perform the second authentication.
  • secondary authentication may be performed by further considering at least one condition among the number of cross points and the location of the cross points.
  • the number of cross points may be increased when the touch trace is input, or the location where the cross points are generated may be set on the touch screen of the mobile terminal.
  • the location of the cross point may be adjusted by dividing the touch screen area of the mobile terminal to divide each area and inputting a touch trace to generate a cross point in a specific area.
  • the relative position between the cross points may be considered or the absolute position of each cross point may be considered according to the touch screen area.
  • the touch trace may be input such that the position of the second cross point is located below the position of the first cross point.
  • the first cross point is inputted with a touch trace such that the first cross point is necessarily created in the first area of the touch screen area of the divided mobile terminal.
  • the touch trace may be input so that the touch trace may be generated in area 2 of the touch screen region of the divided mobile terminal.
  • the number of divisions of the touch area can be freely set.
  • the offline payment processing method transmits the information corresponding to the second authentication to the server to perform the offline payment in the store, and receives the result of the offline payment (S1940). For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.
  • FIG. 20 is a diagram illustrating a process of improving a second authentication level of second authentication in the offline payment processing method illustrated in FIG. 18.
  • a monitoring result of the mobile terminal is obtained until the product is submitted to the POS (S2010). That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.
  • the monitoring result exceeds the preset reference purchase time from the first authentication until the product is submitted to the POS
  • the travel distance of the mobile terminal after the first authentication exceeds the preset reference travel distance
  • the second authentication level improvement condition is satisfied when the moving speed of the mobile terminal corresponds to at least one of the cases in which the preset moving speed exceeds the preset reference moving speed.
  • the preset reference purchase time may correspond to a time less than the timeout time satisfying the release condition of the first authentication.
  • the second authentication is performed by further considering at least one condition among the number of cross points and the location of the cross points (S2020).
  • the number of cross points may be increased or a position at which a cross point is generated may be set on the touch screen of the mobile terminal.
  • the position of the cross point may be adjusted by dividing the sine pad area to divide each area and inputting a touch trace to generate a cross point in a specific area.
  • the touch trace may be input such that the position of the second cross point is located below the position of the first cross point.
  • the touch trajectory is input so that the first cross point is necessarily created in the first segment of the divided sine pad area, and the second cross point is the sine divided.
  • the touch trace may be input to be generated in area 2 of the pad area.
  • the number of divisions of the touch area can be freely set.
  • step S2015 if the monitoring result of the determination result of step S2015 does not satisfy the condition for improving the second authentication level, the second authentication is performed without performing a process for improving the second authentication level (S2030).
  • FIG. 21 is a detailed diagram illustrating a process of improving first authentication level of first authentication in the offline payment processing method illustrated in FIG. 18.
  • a monitoring result of the mobile terminal is obtained based on check-in information (S2110).
  • the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.
  • the monitoring result may correspond to the situation until the first authentication is performed.
  • the first authentication level improvement condition is satisfied. In other words, if a user with a mobile terminal enters a store, it takes an unusually long time before performing the first authentication, or if the store where the user enters is a store where frequent mobile fraud occurs. In order to secure payment, the first authentication level for the first authentication can be improved.
  • the first authentication level is improved by adding an element considered in the first authentication according to the first authentication method (S2120).
  • the primary authentication method is a PIN input
  • the keyboard of the mobile terminal may be changed every time the PIN is input, rather than a simple PIN input.
  • a method of inputting a color pattern after inputting the PIN or increasing the length of the PIN by using dummy numbers may be used.
  • a method of inputting the PIN through audio feedback may be used as the first authentication level is improved.
  • the first authentication may be performed without improving the first authentication level.
  • 22 is a block diagram showing an offline payment system using an application pay in one embodiment of the present invention.
  • a payment system using an application pay includes an application server 2110, a terminal 2120, a POS device 2130, a BLE server 2140, and a BLE device 2150. Include.
  • the payment system may correspond to a system for performing payment using an application pay based on an application installed in a mobile terminal of a user when purchasing a product at an offline store.
  • the application server 2110 may be a server that provides an application 2111 for performing payment with information related to payment to the user's terminal 2120 to perform a procedure related to payment.
  • the application server 2110 may transmit and receive data through a network.
  • the application server 2110 may be an offline payment processing apparatus according to an embodiment of the present invention.
  • the application server 2110 may include an offline payment processing apparatus according to an embodiment of the present invention.
  • the network provides a passage for transferring data between the application server 2110 and the terminal 2120, and is a concept encompassing both a network that is used in the future and a network that can be developed in the future.
  • the network may be a wired / wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between each other, and between the mobile device and the outside of the mobile device, and provides communication between earth stations and earth stations using satellites. It may be either a satellite communication network or a wired or wireless communication network, or a combination of two or more.
  • the transmission standard of the network is not limited to the existing transmission standard, and may include all transmission standard that will be developed in the future.
  • the network used between the application server 2110 and the terminal 2120 is different from the network used between the application server 2120 and the POS device 2130 and the BLE server 2140 and the terminal 2120. May be the same or may be the same.
  • the terminal 2120 receives information corresponding to product payment from the application server 2110 using an application and provides the same to the user.
  • the terminal 2120 is a device that is connected to a communication network and executes an application, and includes a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet computer, It may be a mobile terminal having various mobile communication specifications such as a notebook (Note book), a net book (Net Book), a personal digital assistant (PDA) and an information communication device.
  • PMP portable multimedia player
  • MID mobile internet device
  • smart phone a tablet computer
  • PDA personal digital assistant
  • the terminal 2120 may receive various information such as numeric and text information, and may set various functions and transmit a signal input in connection with the function control of the terminal 2120 to the controller through the input unit.
  • the input unit of the terminal 2120 may include at least one of a keypad and a touch pad for generating an input signal according to a user's touch or manipulation.
  • the input unit of the terminal 2120 may be configured in the form of one touch panel (or touch screen) together with the display unit of the terminal 2120 to simultaneously perform input and display functions.
  • the input unit of the terminal 2120 may use any type of input means that may be developed in the future.
  • the input unit of the terminal 2120 according to the present invention may transmit an input signal for selecting a card or performing a payment to the controller of the terminal 2120 based on an optimal card recommendation system.
  • the display unit of the terminal 2120 may display information on a series of operation states and operation results generated while the function of the terminal 2120 is performed. In addition, the display unit of the terminal 2120 may display a menu of the terminal 2120 and user data input by the user.
  • the display unit of the terminal 2120 includes a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD, thin film transistor LCD), a light emitting diode (LED), and an organic light emitting diode (OLED). , Organic LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display.
  • the display unit of the terminal 2120 when the display unit of the terminal 2120 is configured in the form of a touch screen, the display unit of the terminal 2120 may perform some or all of the functions of the input unit of the terminal 2120.
  • the display unit of the terminal 2120 according to the present invention may display information related to the optimal recommendation card and payment provided on the basis of the optimal card recommendation system on a screen.
  • the storage unit of the terminal 2120 is a device for storing data, and includes a main memory device and an auxiliary memory device, and may store an application program required for a functional operation of the terminal 2120.
  • the storage unit of the terminal 2120 may largely include a program area and a data area. In this case, when the terminal 2120 activates each function in response to a user's request, the terminal 2120 executes corresponding application programs under the control of the controller to provide each function.
  • the storage unit of the terminal 2120 may store an operating system for booting the terminal 2120, a program for recommending a card or performing a payment based on an optimal card recommendation system.
  • the storage unit of the terminal 2120 may store a content DB storing a plurality of contents and information of the terminal 2120.
  • the content DB may include execution data for executing the content and attribute information on the content, and content usage information according to the content execution may be stored.
  • the information of the terminal 2120 may include terminal specification information.
  • the communication unit of the terminal 2120 may perform a function for transmitting and receiving data with the application server 2110 through a network.
  • the communication unit of the terminal 2120 may include RF transmitting means for up-converting and amplifying a frequency of a transmitted signal, and RF receiving means for low-noise amplifying and down-converting a received signal.
  • the communication unit of the terminal 2120 may include at least one of a wireless communication module and a wired communication module.
  • the wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 2120 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the application server 2110.
  • the wired communication module is for transmitting and receiving data by wire.
  • the wired communication module may connect to a network through a wire and transmit / receive data to / from the application server 2110. That is, the terminal 2120 may access a network using a wireless communication module or a wired communication module, and may transmit and receive data with the application server 2110 through the network.
  • the terminal 2120, the application server 2110, and the BLE server 2140 may communicate with each other to transmit and receive data necessary for recommending the optimal card based on the optimal card recommendation system.
  • the controller of the terminal 2120 may be a process device for driving an operating system (OS) and each component, for example, the controller may control the overall process of accessing the application server 2110.
  • OS operating system
  • the overall process of executing the service application may be controlled according to a user's request, and at the same time, a service use request is sent to the application server 2110. It may be controlled to be transmitted, and at this time, the information of the terminal 2120 required for user authentication may be transmitted together.
  • the controller of the terminal 2120 may execute specific content stored in the storage unit of the terminal 2120 according to a user's request.
  • the controller may store a content usage history according to content execution as content usage information.
  • the user terminal 2120 is installed with an application for the application pay service, it may correspond to the terminal 2120 of the user subscribed to the application pay service.
  • the POS device 2130 is a device for performing payment of goods at the store 2160 and may correspond to a device capable of performing an application pay service based on communication with the application server 2110.
  • the BLE server 2140 may be a server for locating the terminal 2120 and providing information by using a Bluetooth low energy technology.
  • the Bluetooth low power technology is a short-range wireless communication technology that periodically transmits information of an object based on Bluetooth 4.0 within a predetermined radius range. That is, even though the user of the terminal 2120 does not take any action, the user of the terminal 2120 may automatically detect the location of the user and provide a signal for a payment service.
  • beacon is a short-range data communication technology using Bluetooth Low Energy (BLE), and various application services such as object and situation recognition, content push, indoor location positioning, automatic check-in, and geofencing based on proximity positioning. Can be enabled. Compared with similar technologies in the past, it is more convenient and can be provided at a lower cost, which can serve as a catalyst for forming a new service market.
  • the beacon may refer to any device that periodically transmits a signal.
  • the BLE device 2150 illustrated in FIG. 22 may correspond to a beacon.
  • Such beacons may be divided into sound-based low frequency beacons, LED beacons, Wi-Fi beacons, and Bluetooth beacons according to a method of transmitting a signal.
  • the beacon can transmit a periodic signal in a small packet of approximately 21 bytes, does not need to be paired with the receiving target, and operates at low power, but the ID value and the received signal strength of the beacon transmitter up to 50 meters It is possible to transmit a signal corresponding to.
  • the price is small and can be easily attached anywhere, it can be used anywhere even in an offline store.
  • the terminal 2120 may detect the corresponding terminal 2120 and transmit a signal including information. .
  • the store 2160 may correspond to an offline store where payment is performed, and may correspond to an application pay service affiliated store in which an application pay agent and a BLE device 2150 are installed.
  • the user may enter the store 2160 with the terminal 2120.
  • the beacon which is a BLE-based short-range data communication technology, may be used to detect that the user enters the store 2160.
  • the BLE signal transmitted from the BLE device 2150 which is a beacon located in the store 2160, may be received by the Bluetooth-enabled terminal 2120 using the BLE SDK 2141.
  • the BLE signal may be received through the application 2111 installed based on the BLE SDK 2141.
  • the BLE server 2140 may provide the terminal 2120 with information related to BLE benefits corresponding to the BLE signal. .
  • the terminal 2120 may access the application server 2110 based on the BLE benefit information received from the BLE server 2140 through the application.
  • the application server 2110 may include at least one module for performing payment.
  • the application server 2110 may include a membership providing module that may provide membership information based on user information of the terminal 2120 and store information corresponding to the store 2160.
  • the membership providing module may include a separate database for storing membership information for each user and store information for each store.
  • the application server 2110 may include an application pay payment module for performing a payment through an application pay.
  • the application pay payment module may include credit card information or bank information for performing a payment through the application pay. For example, when a user pays an application pay through a credit card to purchase a product at the store 2160, the application pay payment module and the credit card application may transmit and receive data for performing real time payment.
  • the application pay payment module may include an optimal card recommendation device for recommending an optimal card in consideration of discount benefits, store benefits, and accumulation among credit cards possessed by a user based on credit card information.
  • the best card according to the discount rate or the accumulation rate may be recommended by combining the benefit information provided through the membership card and the benefit information provided through the membership card when the target performance of the previous month was achieved for each type of credit card.
  • the optimal card recommendation device may be configured independently of the application pay payment module.
  • the application server 2110 through the membership providing module, along with membership information, coupon information for the user or coupons available in the store 2160, benefits information for the event or marketing in progress in the store 2160, etc. It may include a store information providing module that can provide.
  • the store information providing module searches for a gift icon or a coupon that can be used in the store 2160 by the user and provides the application server 2110 with the application server 2110, so that the user can display the gift icon or the application through the application installed in the terminal 2120. You can use the coupon.
  • the store information providing module provides the application server 2110 with event information and marketing information corresponding to a plurality of stores that provide a service according to an embodiment of the present invention. In operation 2160, information about an ongoing event and marketing may be provided to the user terminal 2120.
  • a user accessing the application server 2110 through the terminal 2120 may perform pre-authentication in the application pay service to purchase a product in the store 2160.
  • the BLE device 2150 may enter a step for pre-authentication by receiving a purchase-related push message and clicking a purchase button included in the push message.
  • various methods such as a PIN number input, a picture image gesture and a touch gesture may be used as pre-authentication for purchase, that is, primary authentication.
  • the offline payment processing apparatus included in the application server 2110 or corresponding to the application server 2110 receives the corresponding first authentication information of the first authentication performed by the terminal 2120 to determine whether to authenticate. You can judge.
  • the user moves to the POS device 2130 with the product to be purchased at the store 2160, and expresses a willingness to pay through an application pay at a store clerk of the store 2160, and performs a second authentication for product purchase and payment. can do.
  • the second authentication may be authentication dependent on the first authentication, and the second authentication may be performed while the first authentication is valid.
  • a user has a terminal 2120 and is located in a zone for payment near the POS device 2130, and inputs a movement gesture pattern using the terminal 2120 within a payment zone.
  • the POS device 2130 may check the user who uses the application pay service and proceed with payment.
  • the application server 2110 may transmit a message indicating whether the payment through the application pay was successfully performed to at least one of the terminal 2120 or the POS device 2130 of the user.
  • 23 is a block diagram showing an offline payment processing apparatus according to an embodiment of the present invention.
  • an offline payment processing apparatus includes a communication unit 2210, a check-in information acquisition unit 2220, a first authentication unit 2230, a second authentication unit 2240, and a payment processing unit. 2250 and storage 2260.
  • the communication unit 2210 transmits and receives information necessary for offline payment processing with a mobile terminal of a user through a communication network such as a network.
  • the communication unit 2210 may receive information for performing check-in, first authentication, and second authentication from the mobile terminal, and provide information corresponding to offline payment processing to the mobile terminal. have.
  • information for performing offline payment processing may be received from a separate application server or a POS installed in a store.
  • the check-in information obtaining unit 2220 obtains check-in information corresponding to a store entered by the user.
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • a device such as a BLE beacon may be installed at an entrance of a store, and when a user's mobile terminal enters an area of the BLE beacon, the terminal may be detected to transmit a signal including information of the store.
  • the mobile terminal receiving the signal may obtain the information of the store included in the signal through the application, and transmit the information to the offline payment processing device using the information as check-in information.
  • any technology capable of detecting that the user's mobile terminal has visited the store may be used as a technology for obtaining check-in information without being limited to any technology.
  • the primary authenticator 2230 receives primary authentication information for primary authentication corresponding to a preauthorization of a purchase corresponding to a store from the mobile terminal.
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the primary authentication may correspond to entering a PIN number in the mobile terminal. That is, the first authentication may be performed at the mobile terminal. For example, when the PIN is input to perform the first authentication in the mobile terminal, the first approval may be made by recognizing the PIN number input to the mobile terminal as the first authentication information and transmitting the same to the offline payment processing device. .
  • the first authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • primary authentication may correspond to authentication involving spatial or temporal release conditions.
  • one of the release conditions of the primary authentication may be a timeout time corresponding to the time that the primary authentication is valid. That is, after performing the first authentication, if the preset timeout time is exceeded, the first authentication may be automatically released.
  • the timeout time may be set differently according to the type of store. For example, a store such as a supermarket may set a timeout time of 30 minutes to 1 hour to suit a shopping time. In addition, in a store such as a restaurant, a timeout time may be set from 2 to 3 hours to suit a meal time.
  • the payment through the mobile terminal may not be performed regardless of whether the second authentication is valid. Therefore, in order to perform the payment through the mobile terminal after the first authentication is released, the first authentication may be performed again, and then the second authentication may be performed to process the payment.
  • the first authentication may be released when the mobile terminal moves away from the store by a predetermined distance or more.
  • the mobile terminal is located by using a short range wireless communication device installed at various locations of the store entrance and the inside of the store, and the mobile terminal is determined to be out of the store and distanced more than a certain distance, the first authentication is released. Can be.
  • the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained based on the check-in information.
  • the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.
  • the monitoring result may correspond to the situation until the first authentication is performed.
  • the primary authentication level can be adjusted to improve. In other words, if a user with a mobile terminal enters a store, it takes an unusually long time before performing the first authentication, or if the store where the user enters is a store where frequent mobile fraud occurs. In order to secure payment, the first authentication level for the first authentication can be improved.
  • the primary authentication may be adjusted and performed to add a procedure for inputting a PIN number when the primary authentication level is improved.
  • the keyboard of the mobile terminal may be changed every time a PIN is input, rather than a simple PIN input.
  • a method of inputting a color pattern after inputting the PIN or increasing the length of the PIN by using dummy numbers may be used.
  • a method of inputting the PIN through audio feedback may be used as the first authentication level is improved.
  • the first authentication level may be improved by different conditions that may be additionally considered in the first authentication according to the first authentication method. For example, assuming that the primary authentication method corresponds to fingerprint recognition, as the primary authentication level is improved, the user may further request fingerprint recognition of another finger. In addition, in the case of face recognition, the left side or the right side of the face may be recognized in addition to recognizing the front side of the face.
  • the second authentication unit 2240 performs the second authentication which is dependent on the first authentication and is performed based on the touch pattern input to the sign pad of the POS.
  • the second authentication may be performed according to whether or not the user's registered touch pattern and the touch pattern match each other.
  • the registered touch pattern registered in advance corresponds to the order of (left, right, left) on the sign pad divided into two areas, the same as the registered touch pattern to perform the second authentication.
  • the left and right areas of the pad can be touched in order (left, right, left).
  • the number of divisions of the sign pad can be freely set.
  • the second authentication may be performed using a device capable of inputting a touch pattern, that is, a mobile terminal or a terminal capable of touch input.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result for the mobile terminal until the product corresponding to the purchase is submitted to the POS. That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.
  • the secondary authentication may be performed by further considering at least one condition of the touch length, the swipe direction, and the swipe speed.
  • the secondary authentication may be performed by further considering whether the touch input is long or short, in which direction the swipe input is swiped, and whether the swipe is fast or slow. Can be performed.
  • the second authentication level may be adjusted to be improved.
  • the preset reference purchase time may correspond to a time less than the timeout time satisfying the release condition of the first authentication.
  • the second authentication may be lower than the first authentication level. That is, since the purchase intention of the user who wants to purchase the product through the first authentication through the mobile terminal is confirmed, if the first authentication is not released because the conditions for canceling the first authentication are satisfied, the purchase is made only with the second level authentication of the lower level. Confirmation can also reduce the likelihood of fraud. Therefore, although the authentication level is lower than that of the first authentication, the second authentication may be an authentication method that can maximize the user's convenience.
  • secondary authentication may correspond to authentication dependent on primary authentication. That is, when the primary authentication using the mobile terminal is completed, the POS may perform the secondary authentication for the user who has completed the primary authentication.
  • the payment processor 2250 performs offline payment in a store based on the result of the second authentication. That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.
  • the storage unit 2260 stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.
  • the storage unit 2260 may be configured independently of the offline payment processing device to support a function for an offline payment processing service. At this time, the storage unit 2260 may operate as a separate mass storage, and may include a control function for performing the operation.
  • the offline payment processing device is equipped with a memory can store information in the device.
  • the memory is a computer readable medium.
  • the memory may be a volatile memory unit, and for other implementations, the memory may be a nonvolatile memory unit.
  • the storage device is a computer readable medium.
  • the storage device may include, for example, a hard disk device, an optical disk device, or some other mass storage device.
  • the user when the user performs offline payment using a mobile terminal, the user may provide convenience of payment by performing second authentication using a touch pattern input by the user.
  • 24 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.
  • another mobile terminal may include a check-in information collecting unit 2310, a first authentication performing unit 2320, a second authentication performing unit 2330, and a payment performing unit 2340. Include.
  • the check-in information collection unit 2310 obtains check-in information corresponding to the store entered by the user.
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • the mobile terminal may receive a beacon signal from a BLE beacon device installed at the entrance of the store.
  • the beacon signal may include check-in information including the information of the store.
  • the first certification performing unit 2320 performs the first certification corresponding to the approval of the purchase corresponding to the store. For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the first authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • primary authentication may correspond to authentication involving spatial or temporal release conditions.
  • the second authentication performing unit 2330 performs the touch pattern based second authentication for the second authentication dependent on the first authentication.
  • the second authentication may be performed according to whether or not the user's registered touch pattern and the touch pattern match each other.
  • the registered touch pattern registered in advance corresponds to the order of (left, right, left) in the touch area of the mobile terminal divided into two areas
  • the registered touch pattern and the registered touch pattern to perform the second authentication.
  • the left and right areas of the touch area may be sequentially touched (left, right, left).
  • the number of divisions of the touch area can be freely set.
  • the secondary authentication may be performed by further considering at least one condition of the touch length, the swipe direction, and the swipe speed.
  • the secondary authentication may be performed by further considering whether the touch input is long or short, in which direction the swipe input is swiped, and whether the swipe is fast or slow. Can be performed.
  • the payment performing unit 2340 transmits the information corresponding to the second authentication to the server in order to perform the offline payment in the store, and receives the result of the offline payment. For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.
  • 25 to 29 are views showing a payment progress screen when an application member in a payment method through BLE PUSH according to an embodiment of the present invention.
  • the payment method through the BLE PUSH according to an embodiment of the present invention, when a user who subscribes to the application pay service enters the offline store, the goods through the application installed on the mobile terminal as shown in FIG.
  • the benefit screen 2410 is output to the user.
  • the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacon installed in the store, and the product benefits screen 2410 including the discount information and coupon information in the store included in the BLE signal to expose to the mobile terminal Can be. That is, the mobile terminal may obtain discount information and coupon information by obtaining check-in information corresponding to the store through the beacon of the store. In addition, the mobile terminal may provide check-in information to the offline payment processing device through the application.
  • the product benefit screen 2410 may output discount information and coupon information together with a payment button on the lockscreen 2412 of the mobile terminal.
  • the product benefit screen 2410 may output discount information and coupon information together with a payment button on the BLE Noti 2411 of the mobile terminal.
  • the detailed screen 2510 of the store corresponding to the product benefits screen 2410 through the application as shown in FIG. Can be output to the terminal.
  • the detailed screen 2510 of the store may output more detailed discount and coupon information together with the store information.
  • a payment button can be output together so that the user can proceed with the payment process at any time.
  • a payment PIN input window (see FIG. 27) is performed to perform the first authentication for the application pay service. 2610 may be output. That is, based on the offline payment processing device linked through the application, the window for the first authentication corresponding to the approval of the corresponding store may be output to the mobile terminal.
  • the first authentication may use a picture image gesture authentication method, a touch gesture authentication method, a fingerprint recognition, a face recognition, and a voice recognition in addition to the PIN number input authentication method.
  • the PIN can be transferred to the offline payment processing device to complete the first authentication.
  • the offline payment processing device or the server may transmit information such as a picture or a phone number of the user who has completed the first authentication to the POS.
  • information corresponding to a user who has completed primary authentication that is, a buyer who has completed primary authentication may be displayed on the payment screen 2710 on the POS device installed in the store as shown in FIG. 28.
  • the second authentication may be performed based on the touch pattern inputted to the POS and signed on the POS.
  • the second authentication may be completed when the registered touch pattern registered in advance by the user and the touch pattern input to the sign pad match.
  • the touch pattern may be input by using the mobile terminal of the user.
  • the payment success message 2811 may be transmitted to the user's mobile terminal as shown in FIG. 29.
  • the payment success message 2811 may display the name of the paid store, a payment method, and a payment amount.
  • the payment failure message 2812 may be transmitted to the user's mobile terminal, and the payment screen 2813 may be output to the mobile terminal in order to perform the payment again.
  • the checkout screen 2813 may output a payment button or a barcode for application payment.
  • FIGS. 30 to 36 are views illustrating a member registration screen when an application is a non-member in a payment method through BLE PUSH according to an embodiment of the present invention.
  • the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacons installed in the store, and the product benefit screen 2910 including the discount information and coupon information in the store included in the BLE signal to expose to the mobile terminal Can be.
  • the product benefit screen 2910 when the mobile terminal is locked, the product benefit screen 2910 outputs discount information and coupon information to the lockscreen 2912 of the terminal, but the payment button may not be output because the non-member of the application pay service. .
  • the product benefit screen 2910 may output discount information and coupon information to the BLE Noti 2911 of the mobile terminal.
  • the detailed screen 3010 of the store may output more detailed discount and coupon information together with the store information.
  • a pay app subscription button for subscribing to an application pay service may be output together so that a user may subscribe to a service for payment at any time.
  • a screen agreement agreement 3110 necessary for subscribing to the application pay service based on the offline payment processing system may be output to the user's mobile terminal.
  • the user authentication screen 3210 may be output to the mobile terminal as shown in FIG. 33 to perform authentication of the user.
  • the user authentication may be performed by inputting a user's name, social security number, communication company and mobile phone number, and the like, and inputting an authentication number.
  • the payment PIN registration screen 3310 may be output to the mobile terminal in order to register the payment PIN number used for the first authentication in the application pay service as shown in FIG. 34.
  • the payment PIN registration screen 3310 may be output.
  • a registration screen of various authentication means such as a fingerprint registration screen and a voice registration screen may be output.
  • the card information registration screen 3410 may be output to the mobile terminal as shown in FIG. 35 to register a card to be used in the application pay service.
  • the subscription confirmation screen 3510 is finally output as shown in FIG. 36, and when the user selects confirmation, the subscription may be completed.
  • the user may provide an application pay service after performing a first authentication through a PIN number by outputting a payment button to the user's mobile terminal.
  • FIG. 37 is a diagram illustrating an example of registering a touch pattern according to the present invention.
  • a touch pattern may be registered in advance.
  • the touch pattern registration window 3610 shown in FIG. 37 appears in the process of subscribing to the application pay service using the mobile terminal of the user, the user may directly register a touch pattern by touch input.
  • the user may generate a touch pattern by touching the touch areas 3621, 3622, 3623, and 3624 divided in the touch pattern registration window 3610.
  • the touch patterns may be registered in the order of 1, 2, 3, and 4 according to the numbers of the touch areas.
  • one, one, one, one, one touch pattern may be registered by continuously touching one touch area 3621.
  • the basic touch pattern may be generated in consideration of the number of touches and the touch area.
  • the second authentication may be performed corresponding to the second authentication level, and the touch length, the swipe direction, and the swipe speed may be further considered in the second authentication according to the second authentication level.
  • the second authentication may be performed considering only the number of touches and the touch area.
  • the second authentication may be performed by further considering the touch length. That is, when the second authentication level is the first step, if the touch pattern is generated corresponding to 1, 2, 3, and 1 based on the touch areas 3641, 3622, 3623, and 3624 in FIG. 37, the second authentication level is increased. In the second stage, it is possible to additionally check whether the length of the touch is properly input corresponding to the long 1, the long 2, the short 3, and the short 1.
  • the second authentication may be performed by further considering the swipe direction. That is, when the second authentication level is two levels, if the touch pattern is generated corresponding to the long 1, the long 2, the short 3, and the short 1 based on the touch areas 3641, 3622, 3623, and 3624 of FIG. 37, 2
  • the user swipes from the initial point to the last point with the finger on the touch area, corresponding to the long first, long two, short, three, and short ones. You can further check whether the swipe direction is entered correctly.
  • the second authentication may be performed in consideration of the swipe speed. That is, when the second authentication level is three levels, the touch pattern corresponding to the long first, long two, short, three, and short ones is based on the touch areas 3641, 3622, 3623, and 3624 of FIG. 37. If it is generated, it can be further confirmed that when the secondary authentication level is 4, the swipe speed is correctly input corresponding to the long 1 fast up, the long 2 fast down, the short 3 slow up, and the short 1 fast down.
  • the second authentication may fail.
  • 38 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention in terms of an offline payment processing device.
  • the offline payment processing method obtains check-in information corresponding to a store where a user enters (S3710).
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • a device such as a BLE beacon may be installed at an entrance of a store, and when a user's mobile terminal enters an area of the BLE beacon, the terminal may be detected to transmit a signal including information of the store.
  • the mobile terminal receiving the signal may obtain the information of the store included in the signal through the application, and transmit the information to the offline payment processing device using the information as check-in information.
  • any technology capable of detecting that the user's mobile terminal has visited the store may be used as a technology for obtaining check-in information without being limited to any technology.
  • the offline payment processing method receives the first authentication information for the first authentication corresponding to the approval of the purchase corresponding to the store from the mobile terminal (S3720).
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the primary authentication may correspond to entering a PIN number in the mobile terminal. That is, the first authentication may be performed at the mobile terminal. For example, when the PIN is input to perform the first authentication in the mobile terminal, the first approval may be made by recognizing the PIN number input to the mobile terminal as the first authentication information and transmitting the same to the offline payment processing device. .
  • the first authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • primary authentication may correspond to authentication involving spatial or temporal release conditions.
  • one of the release conditions of the primary authentication may be a timeout time corresponding to the time that the primary authentication is valid. That is, after performing the first authentication, if the preset timeout time is exceeded, the first authentication may be automatically released.
  • the timeout time may be set differently according to the type of store. For example, a store such as a supermarket may set a timeout time of 30 minutes to 1 hour to suit a shopping time. In addition, in a store such as a restaurant, a timeout time may be set from 2 to 3 hours to suit a meal time.
  • the payment through the mobile terminal may not be performed regardless of whether the second authentication is valid. Therefore, in order to perform the payment through the mobile terminal after the first authentication is released, the first authentication may be performed again, and then the second authentication may be performed to process the payment.
  • the first authentication may be released when the mobile terminal moves away from the store by a predetermined distance or more.
  • the mobile terminal is located by using a short range wireless communication device installed at various locations of the store entrance and the inside of the store, and the mobile terminal is determined to be out of the store and distanced more than a certain distance, the first authentication is released. Can be.
  • the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained based on the check-in information.
  • the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.
  • the monitoring result may correspond to the situation until the first authentication is performed.
  • the primary authentication level can be adjusted to improve. In other words, if a user with a mobile terminal enters a store, it takes an unusually long time before performing the first authentication, or if the store where the user enters is a store where frequent mobile fraud occurs. In order to secure payment, the first authentication level for the first authentication can be improved.
  • the primary authentication may be adjusted and performed to add a procedure for inputting a PIN number when the primary authentication level is improved.
  • the keyboard of the mobile terminal may be changed every time a PIN is input, rather than a simple PIN input.
  • a method of inputting a color pattern after inputting the PIN or increasing the length of the PIN by using dummy numbers may be used.
  • a method of inputting the PIN through audio feedback may be used as the first authentication level is improved.
  • the first authentication level may be improved by different conditions that may be additionally considered in the first authentication according to the first authentication method. For example, assuming that the primary authentication method corresponds to fingerprint recognition, as the primary authentication level is improved, the user may further request fingerprint recognition of another finger. In addition, in the case of face recognition, the left side or the right side of the face may be recognized in addition to recognizing the front side of the face.
  • the offline payment processing method determines whether the first authentication is valid (S3725).
  • the offline payment processing method is dependent on the primary authentication and is performed based on the touch pattern input to the sign pad of the POS. Second authentication is performed (S3730).
  • the second authentication may be performed according to whether or not the user's registered touch pattern and the touch pattern match each other.
  • the registered touch pattern registered in advance corresponds to the order of (left, right, left) on the sign pad divided into two areas, the same as the registered touch pattern to perform the second authentication.
  • the left and right areas of the pad can be touched in order (left, right, left).
  • the number of divisions of the sign pad can be freely set.
  • the second authentication may be performed using a device capable of inputting a touch trace, that is, a mobile terminal or a terminal capable of touch input.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result for the mobile terminal until the product corresponding to the purchase is submitted to the POS. That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.
  • the secondary authentication may be performed by further considering at least one condition of the touch length, the swipe direction, and the swipe speed.
  • the secondary authentication may be performed by further considering whether the touch input is long or short, in which direction the swipe input is swiped, and whether the swipe is fast or slow. Can be performed.
  • the number of divisions of the sign pad can be freely set.
  • the second authentication level may be adjusted to be improved.
  • the preset reference purchase time may correspond to a time less than the timeout time satisfying the release condition of the first authentication.
  • the second authentication may be lower than the first authentication level. That is, since the purchase intention of the user who wants to purchase the product through the first authentication through the mobile terminal is confirmed, if the first authentication is not released because the conditions for canceling the first authentication are satisfied, the purchase is made only with the second level authentication of the lower level. Confirmation can also reduce the likelihood of fraud. Therefore, although the authentication level is lower than that of the first authentication, the second authentication may be an authentication method that can maximize the user's convenience.
  • secondary authentication may correspond to authentication dependent on primary authentication. That is, when the primary authentication using the mobile terminal is completed, the POS may perform the secondary authentication for the user who has completed the primary authentication.
  • the primary authentication information may be received to perform the primary authentication again.
  • the offline payment processing method performs the offline payment in the store based on the result of the second authentication (S3740). That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.
  • the offline payment processing method transmits and receives information required for offline payment processing with a mobile terminal of a user through a communication network such as a network.
  • a communication network such as a network.
  • information for performing offline payment processing may be received from a separate application server or a POS installed in a store.
  • the offline payment processing method according to an embodiment of the present invention stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.
  • the storage module for storing information may be configured independently of the offline payment processing device to support a function for an offline payment processing service.
  • the storage module may operate as a separate mass storage and may include a control function for performing an operation.
  • the user may provide convenience of payment by performing second authentication using a touch pattern input by the user.
  • 39 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the mobile terminal side.
  • the offline payment processing method obtains check-in information corresponding to a store where a user enters (S3810).
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • the mobile terminal may receive a beacon signal from a BLE beacon device installed at the entrance of the store.
  • the beacon signal may include check-in information including the information of the store.
  • the offline payment processing method performs the first authentication corresponding to the pre-approval for the purchase corresponding to the store (S3820). For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the offline payment processing method determines whether the first authentication is valid (S3825).
  • the first authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be impossible.
  • primary authentication may correspond to authentication involving spatial or temporal release conditions.
  • the primary authentication may be performed.
  • the offline payment processing method performs the second pattern-based second authentication for the second authentication dependent on the first authentication. (S3830).
  • the second authentication may be performed according to whether or not the user's registered touch pattern and the touch pattern match each other.
  • the registered touch pattern registered in advance corresponds to the order of (left, right, left) in the touch area of the mobile terminal divided into two areas
  • the registered touch pattern and the registered touch pattern to perform the second authentication.
  • the left and right areas of the touch area may be sequentially touched (left, right, left).
  • the number of divisions of the touch area can be freely set.
  • the secondary authentication may be performed by further considering at least one condition of the touch length, the swipe direction, and the swipe speed.
  • the secondary authentication may be performed by further considering whether the touch input is long or short, in which direction the swipe input is swiped, and whether the swipe is fast or slow. Can be performed.
  • the offline payment processing method transmits the information corresponding to the second authentication to the server to perform the offline payment in the store, and receives the result of the offline payment (S3840). For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.
  • FIG. 40 is a diagram illustrating in detail a process of improving a second authentication level of second authentication in the offline payment processing method illustrated in FIG. 38.
  • the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.
  • the monitoring result exceeds the preset reference purchase time from the first authentication until the product is submitted to the POS
  • the travel distance of the mobile terminal after the first authentication exceeds the preset reference travel distance
  • the second authentication level improvement condition is satisfied when the moving speed of the mobile terminal corresponds to at least one of the cases in which the preset moving speed exceeds the preset reference moving speed.
  • the preset reference purchase time may correspond to a time less than the timeout time satisfying the release condition of the first authentication.
  • the second authentication is performed by further considering at least one condition among the touch length, the swipe direction, and the swipe speed (S3920).
  • secondary authentication may be performed by further considering whether the touch input is long or short, in which direction the swipe input is swiped, and whether the swipe is fast or slow.
  • step S3915 if the monitoring result of the determination result of step S3915 does not satisfy the condition for improving the second authentication level, second authentication is performed without performing a process for improving the second authentication level (S3930).
  • FIG. 41 is a diagram illustrating a process of improving the first authentication level of first authentication in the offline payment processing method illustrated in FIG. 38.
  • a monitoring result of the mobile terminal is obtained based on the check-in information (S4010).
  • the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.
  • the monitoring result may correspond to the situation until the first authentication is performed.
  • the first authentication level improvement condition is satisfied. In other words, if a user with a mobile terminal enters a store, it takes an unusually long time before performing the first authentication, or if the store where the user enters is a store where frequent mobile fraud occurs. In order to secure payment, the first authentication level for the first authentication can be improved.
  • the first authentication level is improved by adding an element considered in the first authentication according to the first authentication method (S4020).
  • the primary authentication method is a PIN input
  • the keyboard of the mobile terminal may be changed every time the PIN is input, rather than a simple PIN input.
  • a method of inputting a color pattern after inputting the PIN or increasing the length of the PIN by using dummy numbers may be used.
  • a method of inputting the PIN through audio feedback may be used as the first authentication level is improved.
  • the first authentication may be performed without improving the first authentication level.
  • FIG. 42 is a block diagram illustrating an offline payment system using an application pay according to an embodiment of the present invention.
  • a payment system using an application pay includes an application server 4110, a terminal 4120, a POS device 4130, a BLE server 4140, and a BLE device 4150. Include.
  • the payment system may correspond to a system for performing payment using an application pay based on an application installed in a mobile terminal of a user when purchasing a product at an offline store.
  • the application server 4110 may be a server that provides an application 4111 for performing payment with information related to payment to the user terminal 4120 and performs a procedure related to payment.
  • the application server 4110 may transmit and receive data through a network.
  • the application server 4110 may be an offline payment processing apparatus according to an embodiment of the present invention.
  • the application server 4110 may include an offline payment processing apparatus according to an embodiment of the present invention.
  • the network provides a passage for transferring data between the application server 4110 and the terminal 4120, and is a concept encompassing both an existing network and a future developable network.
  • the network may be a wired / wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between each other, and between the mobile device and the outside of the mobile device, and provides communication between earth stations and earth stations using satellites. It may be either a satellite communication network or a wired or wireless communication network, or a combination of two or more.
  • the transmission standard of the network is not limited to the existing transmission standard, and may include all transmission standard that will be developed in the future.
  • the network used between the application server 4110 and the terminal 4120 is different from the network used between the application server 4120 and the POS device 4130 and the BLE server 4140 and the terminal 4120. May be the same or may be the same.
  • the terminal 4120 receives information corresponding to product payment from the application server 4110 using an application and provides the same to the user.
  • the terminal 4120 is a device that is connected to a communication network to execute an application, and includes a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet computer, It may be a mobile terminal having various mobile communication specifications such as a notebook (Note book), a net book (Net Book), a personal digital assistant (PDA) and an information communication device.
  • PMP portable multimedia player
  • MID mobile internet device
  • smart phone a tablet computer
  • PDA personal digital assistant
  • the terminal 4120 may receive various information such as numeric and text information, and may set various functions and transmit a signal input in relation to the function control of the terminal 4120 to the controller through the input unit.
  • the input unit of the terminal 4120 may include at least one of a keypad and a touch pad for generating an input signal according to a user's touch or manipulation.
  • the input unit of the terminal 4120 may be configured in the form of one touch panel (or touch screen) together with the display unit of the terminal 4120 to simultaneously perform input and display functions.
  • the input unit of the terminal 4120 may use any type of input means that may be developed in the future.
  • the input unit of the terminal 4120 according to the present invention may transmit an input signal for selecting a card or performing a payment to the controller of the terminal 4120 based on an optimal card recommendation system.
  • the display unit of the terminal 4120 may display information on a series of operation states and operation results generated while the function of the terminal 4120 is performed. In addition, the display unit of the terminal 4120 may display a menu of the terminal 4120 and user data input by the user.
  • the display unit of the terminal 4120 includes a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD, thin film transistor LCD), a light emitting diode (LED), and an organic light emitting diode (OLED). , Organic LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display.
  • the display unit of the terminal 4120 when the display unit of the terminal 4120 is configured as a touch screen, the display unit of the terminal 4120 may perform some or all of the functions of the input unit of the terminal 4120.
  • the display unit of the terminal 4120 according to the present invention may display information related to the optimal recommendation card and payment provided on the basis of the optimal card recommendation system on a screen.
  • the storage unit of the terminal 4120 is a device for storing data, and includes a main memory device and an auxiliary memory device, and may store an application program required for a functional operation of the terminal 4120.
  • the storage unit of the terminal 4120 may largely include a program area and a data area. In this case, when the terminal 4120 activates each function in response to a user's request, the terminal 4120 executes corresponding application programs under the control of the controller to provide each function.
  • the storage unit of the terminal 4120 may store an operating system for booting the terminal 4120, a program for recommending a card or performing a payment based on an optimal card recommendation system.
  • the storage unit of the terminal 4120 may store a content DB storing a plurality of contents and information of the terminal 4120.
  • the content DB may include execution data for executing the content and attribute information on the content, and content usage information according to the content execution may be stored.
  • the information of the terminal 4120 may include terminal specification information.
  • the communication unit of the terminal 4120 may perform a function for transmitting and receiving data with the application server 4110 through a network.
  • the communication unit of the terminal 4120 may include RF transmission means for up-converting and amplifying a frequency of a transmitted signal, and RF reception means for low-noise-amplifying and down-converting a received signal.
  • the communication unit of the terminal 4120 may include at least one of a wireless communication module and a wired communication module.
  • the wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 4120 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the application server 4110.
  • the wired communication module is for transmitting and receiving data by wire.
  • the wired communication module may connect to a network through a wire and transmit / receive data to / from the application server 4110. That is, the terminal 4120 may access a network using a wireless communication module or a wired communication module, and may transmit / receive data with the application server 4110 through the network.
  • the terminal 4120, the application server 4110, and the BLE server 4140 may communicate with each other to transmit and receive data necessary for recommending the optimal card based on the optimal card recommendation system.
  • the controller of the terminal 4120 may be a process device that drives an operating system (OS) and each component.
  • OS operating system
  • the controller may control the overall process of accessing the application server 4110.
  • the overall process of executing the service application can be controlled according to a user's request, and at the same time, the service use request is transmitted to the application server 4110.
  • the information of the terminal 4120 required for user authentication may be transmitted together.
  • the controller of the terminal 4120 may execute specific content stored in the storage unit of the terminal 4120 according to a user's request.
  • the controller may store a content usage history according to content execution as content usage information.
  • the user terminal 4120 is installed with an application for the application pay service, and may correspond to the terminal 4120 of the user subscribed to the application pay service.
  • the POS device 4130 is a device for performing payment of goods in the store 4160 and may correspond to a device capable of performing an application pay service based on communication with the application server 4110.
  • the BLE server 4140 may be a server for identifying a location of the terminal 4120 and providing information by using a Bluetooth low energy technology.
  • the Bluetooth low power technology is a short-range wireless communication technology that periodically transmits information of an object based on Bluetooth 4.0 within a predetermined radius range. That is, even though the user of the terminal 4120 does not take any action, the user of the terminal 4120 may automatically detect the location of the user and provide a signal for a payment service.
  • beacon is a short-range data communication technology using Bluetooth Low Energy (BLE), and various application services such as object and situation recognition, content push, indoor location positioning, automatic check-in, and geofencing based on proximity positioning. Can be enabled. Compared with similar technologies in the past, it is more convenient and can be provided at a lower cost, which can serve as a catalyst for forming a new service market.
  • the beacon may refer to any device that periodically transmits a signal.
  • the BLE device 4150 illustrated in FIG. 42 may correspond to a beacon.
  • Such beacons may be divided into sound-based low frequency beacons, LED beacons, Wi-Fi beacons, and Bluetooth beacons according to a method of transmitting a signal.
  • the beacon can transmit a periodic signal in a small packet of approximately 21 bytes, does not need to be paired with the receiving target, and operates at low power, but the ID value and the received signal strength of the beacon transmitter up to 50 meters It is possible to transmit a signal corresponding to.
  • the price is small and can be easily attached anywhere, it can be used anywhere even in an offline store.
  • the terminal 4120 may detect the corresponding terminal 4120 and transmit a signal including information. .
  • the store 4160 may correspond to an offline store where payment is performed, and may correspond to an application pay service affiliated store in which an application pay agent and a BLE device 4150 are installed.
  • the user may enter the store 4160 with the terminal 4120.
  • the beacon which is a BLE-based short-range data communication technology, may be used to detect that the user enters the store 4160.
  • the BLE signal transmitted from the BLE device 4150 which is a beacon located in the store 4160, may be received by the Bluetooth-enabled terminal 4120 using the BLE SDK 4141.
  • the BLE signal may be received through the application 4111 installed based on the BLE SDK 4141.
  • the BLE server 4140 may provide the terminal 4120 with information related to the BLE benefit corresponding to the BLE signal. .
  • the terminal 4120 may access the application server 4110 based on the BLE benefit information received from the BLE server 4140 through the application.
  • the application server 4110 may include at least one module for performing payment.
  • the application server 4110 may include a membership providing module that may provide membership information based on user information of the terminal 4120 and store information corresponding to the store 4160.
  • the membership providing module may include a separate database for storing membership information for each user and store information for each store.
  • the application server 4110 may include an application pay payment module for performing a payment through an application pay.
  • the application pay payment module may include credit card information or bank information for performing a payment through the application pay. For example, when a user pays an application pay through a credit card to purchase a product at the store 4160, the application pay payment module and the credit card application may transmit and receive data for performing real time payment.
  • the application pay payment module may include an optimal card recommendation device for recommending an optimal card in consideration of discount benefits, store benefits, and accumulation among credit cards possessed by a user based on credit card information.
  • the best card according to the discount rate or the accumulation rate may be recommended by combining the benefit information provided through the membership card and the benefit information provided through the membership card when the target performance of the previous month was achieved for each type of credit card.
  • the optimal card recommendation device may be configured independently of the application pay payment module.
  • the application server 4110 may use the membership providing module, together with membership information, offer information on coupons or gifticons that can be used by the user in the store 4160, event and marketing information in progress in the store 4160, and the like. It may include a store information providing module that can provide.
  • the store information providing module provides the application server 4110 by searching for the gift icons or coupons that the user can use in the store 4160 through the application, so that the user can display the gift icons through the application installed on the terminal 4120. You can use the coupon.
  • the store information providing module provides the application server 4110 with event information and marketing information corresponding to a plurality of stores that provide a service according to an embodiment of the present invention, such that the user visits the store. In operation 4160, information about the event and the marketing in progress may be provided to the user terminal 4120.
  • a user accessing the application server 4110 through the terminal 4120 may perform pre-authentication in an application pay service to purchase a product in the store 4160.
  • the user may enter a step for pre-authentication by receiving a purchase-related push message through the BLE device 4150 and clicking a purchase button included in the push message.
  • various methods such as a PIN number input, a picture image gesture and a touch gesture may be used as pre-authentication for purchase, that is, primary authentication.
  • the offline payment processing apparatus included in the application server 4110 or corresponding to the application server 4110 receives the corresponding first authentication information of the first authentication performed by the terminal 4120 to determine whether to authenticate. You can judge.
  • the user moves to the POS device 4130 with the product to be purchased at the store 4160, indicates the intention that the cashier of the store 4160 pays through the application pay, and performs the second authentication for the purchase and payment of the product. can do.
  • the second authentication may be authentication dependent on the first authentication, and the second authentication may be performed while the first authentication is valid.
  • a user has a terminal 4120 and is located in a zone for payment near the POS device 4130, and inputs a movement gesture pattern using the terminal 4120 in the payment zone.
  • the POS device 4130 may check the user who uses the application pay service and proceed with payment.
  • the application server 4110 may transmit a message indicating whether the payment through the application pay was successfully performed to at least one of the user terminal 4120 or the POS device 4130.
  • FIG. 43 is a block diagram illustrating an offline payment processing apparatus according to an embodiment of the present invention.
  • an offline payment processing apparatus includes a communication unit 4210, a check-in information obtaining unit 4220, a first authentication unit 4230, a second authentication unit 4240, and a payment processing unit. 4250 and storage 4260.
  • the communication unit 4210 is responsible for transmitting and receiving information necessary for offline connection processing with the mobile terminal of the user through a communication network such as a network.
  • the communication unit 4210 may receive information for performing check-in, first authentication, and second authentication from a mobile terminal, and provide information corresponding to offline payment processing to the mobile terminal. have.
  • information for performing offline payment processing may be received from a separate application server or a POS installed in a store.
  • the check-in information obtaining unit 4220 acquires check-in information corresponding to a store entered by the user.
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • a device such as a BLE beacon may be installed at an entrance of a store, and when a user's mobile terminal enters an area of the BLE beacon, the terminal may be detected to transmit a signal including information of the store.
  • the mobile terminal receiving the signal may obtain the information of the store included in the signal through the application, and transmit the information to the offline payment processing device using the information as check-in information.
  • any technology capable of detecting that the user's mobile terminal has visited the store may be used as a technology for obtaining check-in information without being limited to any technology.
  • the first authentication unit 4230 is for first authentication corresponding to a preauthorization of a purchase corresponding to a store from a mobile terminal, and receives first authentication information generated corresponding to a swipe operation pattern for the mobile terminal. .
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the swipe operation pattern may be a pattern generated by using a swipe technique in which the user moves from the initial point to the final point with a finger on the touch screen.
  • data may be generated according to the direction and the number of times the finger is moved on the touch screen to generate a swipe operation pattern.
  • the swipe operation pattern may be set in consideration of any one or more of a swipe direction, a swipe speed, and a swipe length.
  • various patterns may be input in a direction corresponding to up, down, left, and right on the touch screen to generate a swipe operation pattern.
  • a pattern combining a direction and a speed such as fast up, slow up, fast down, and slow down is inputted on the touch screen. Can be generated.
  • swipe length is taken into account in the swipe direction and the swipe speed when generating the swipe motion pattern
  • direction such as fast-long-up, fast-short-up, slow-long-down, slow-short-down, A pattern combining speed and length may be input to generate a swipe motion pattern.
  • the primary authentication may be performed by comparing a swipe operation pattern and a registration pattern registered by the user in advance through an application installed in the mobile terminal.
  • the registration pattern may be a pattern in the same manner as the swipe operation pattern, and may be registered by touching in the same manner as the method of inputting the swipe operation pattern.
  • the registration pattern is registered within a preset pattern setting range including at least one of the total length of the registration pattern and the number of elements considered in setting the registration pattern, according to the primary authentication level corresponding to the primary authentication. Can be.
  • the total length of the registration pattern may correspond to the total number of patterns input through one swipe. For example, if the total length of the registration pattern is 5, the registration pattern may be registered through a pattern input through 5 swipes in total.
  • the overall length of the registration pattern may be increased for safety.
  • the factors considered in setting the registration pattern may correspond to the swipe direction, the swipe speed, and the swipe length. Therefore, in order to perform the first authentication corresponding to the high authentication level according to the first authentication level, a more secure registration pattern can be registered using many factors. For example, a registration pattern can be registered to use all of the swipe direction, swipe speed, and swipe length if the primary authentication level is the highest, or only swipe direction if the primary authentication level is the lowest. The registration pattern may be registered so as to.
  • the first authentication may be performed through various methods such as PIN input, fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the primary authentication corresponds to the release conditional authentication, and when the primary authentication is released, the secondary authentication information may be invalidated.
  • primary authentication may correspond to authentication involving spatial or temporal release conditions.
  • one of the release conditions of the primary authentication may be a timeout time corresponding to the time that the primary authentication is valid. That is, after performing the first authentication, if the preset timeout time is exceeded, the first authentication may be automatically released.
  • the timeout time may be set differently according to the type of store. For example, a store such as a supermarket may set a timeout time of 30 minutes to 1 hour to suit a shopping time. In addition, in a store such as a restaurant, a timeout time may be set from 2 to 3 hours to suit a meal time.
  • the payment through the mobile terminal may not be performed regardless of whether the second authentication is valid. Therefore, in order to perform the payment through the mobile terminal after the first authentication is released, the first authentication may be performed again, and then the second authentication may be performed to process the payment.
  • the first authentication may be released when the mobile terminal moves away from the store by a predetermined distance or more.
  • the mobile terminal is located by using a short range wireless communication device installed at various locations of the store entrance and the inside of the store, and the mobile terminal is determined to be out of the store and distanced more than a certain distance, the first authentication is released. Can be.
  • the primary authentication level may be adjusted according to the monitoring result for the mobile terminal obtained by the check-in information.
  • the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.
  • the monitoring result may correspond to the situation until the first authentication is performed.
  • the primary authentication level can be adjusted to improve. In other words, if a user with a mobile terminal enters a store, it takes an unusually long time before performing the first authentication, or if the store where the user enters is a store where frequent mobile fraud occurs. In order to secure payment, the first authentication level for the first authentication can be improved.
  • the second authentication unit 4240 reviews the validity of the first authentication, and when the first authentication is valid, generates second authentication information for second authentication dependent on the first authentication to correspond to the mobile terminal and the store. Send to at least one of the POS.
  • the user may determine a product or service that the user wants to purchase in the store and deliver the same to the POS of the store.
  • the second authentication may be performed at the POS and may be performed using at least one of the user's mobile terminal and the POS. Therefore, the second authentication information for the second authentication may be generated and transmitted to at least one of the mobile terminal and the POS.
  • the second authentication may be lower than the first authentication level. That is, since the purchase intention of the user who wants to purchase the product through the first authentication through the mobile terminal is confirmed, if the first authentication is not released because the conditions for canceling the first authentication are satisfied, the purchase is made only with the second level authentication of the lower level. Confirmation can also reduce the likelihood of fraud. Therefore, although the authentication level is lower than that of the first authentication, the second authentication may be an authentication method that can maximize the user's convenience.
  • secondary authentication may correspond to authentication dependent on primary authentication. That is, based on the first authentication using the mobile terminal, the second authentication information for the second authentication is provided to the POS of the store, and the POS uses the second authentication information provided to the second authentication for the user who wants to purchase the product. Can be done.
  • secondary authentication may require a face or phone number to be displayed to a user who wants to purchase a product, that is, a picture or phone number of a payer through a mobile terminal, and a store clerk approaches the POS to purchase a product.
  • the verification may be a method of performing second authentication.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result for the mobile terminal until the product corresponding to the purchase is submitted to the POS. That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.
  • the second authentication level may be adjusted to be improved.
  • the preset reference purchase time may correspond to a time less than the timeout time satisfying the release condition of the first authentication.
  • the additional authentication information is generated based on at least one of the sign pad connected to the mobile terminal and the POS, and the additional authentication information is transmitted to at least one of the mobile terminal and the POS in order to perform additional authentication according to the improvement of the second authentication level. Can be.
  • a method of authenticating a user's mobile terminal by shaking it according to a predetermined shaking pattern in the POS, and a question transmitted to the POS based on a call list or calendar registered in the mobile terminal during the first authentication How to check and answer, how to input preset tapping pattern on sign pad linked to POS, how to input preset crossing pattern on sign pad, and how to be located in payment zone corresponding to a certain range based on POS There are many easy ways to do this.
  • the payment processor 4250 performs offline payment in a store based on the second authentication result using the second authentication information. That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.
  • the storage unit 4260 stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.
  • the storage unit 4260 may be configured independently of the offline payment processing device to support a function for an offline payment processing service. At this time, the storage unit 4260 may operate as a separate mass storage, and may include a control function for performing the operation.
  • the offline payment processing device is equipped with a memory can store information in the device.
  • the memory is a computer readable medium.
  • the memory may be a volatile memory unit, and for other implementations, the memory may be a nonvolatile memory unit.
  • the storage device is a computer readable medium.
  • the storage device may include, for example, a hard disk device, an optical disk device, or some other mass storage device.
  • 44 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.
  • another mobile terminal includes a check-in information collection unit 4310, a first authentication performing unit 4320, a second authentication performing unit 4330, and a payment performing unit 4340. Include.
  • the check-in information collection unit 4310 obtains check-in information corresponding to the store entered by the user.
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • the mobile terminal may receive a beacon signal from a BLE beacon device installed at the entrance of the store.
  • the beacon signal may include check-in information including the information of the store.
  • the primary authentication performing unit 4320 may perform primary authentication corresponding to a pre-approval for a purchase corresponding to a store by inputting primary authentication information corresponding to a swipe operation pattern. For example, when the swipe input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the swipe operation pattern using the mobile terminal. Can be. Thereafter, the server and the offline payment processing apparatus may process the first authentication in the same case by comparing the swipe operation pattern input through the mobile terminal with a registration pattern registered in advance.
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the swipe operation pattern may be a pattern generated by using a swipe technique in which the user moves from the initial point to the final point with a finger on the touch screen.
  • data may be generated according to the direction and the number of times the finger is moved on the touch screen to generate a swipe operation pattern.
  • the swipe operation pattern may be set in consideration of any one or more of a swipe direction, a swipe speed, and a swipe length.
  • the swipe operation pattern may be set in consideration of any one or more of a swipe direction, a swipe speed, and a swipe length.
  • the registration pattern may be a pattern in the same manner as the swipe operation pattern, and may be registered by touching in the same manner as the method of inputting the swipe operation pattern.
  • the registration pattern is registered within a preset pattern setting range including at least one of the total length of the registration pattern and the number of elements considered in setting the registration pattern, according to the primary authentication level corresponding to the primary authentication. Can be.
  • the total length of the registration pattern may correspond to the total number of patterns input through one swipe. For example, if the total length of the registration pattern is 5, the registration pattern may be registered through a pattern input through 5 swipes in total.
  • the overall length of the registration pattern may be increased for safety.
  • the factors considered in setting the registration pattern may correspond to the swipe direction, the swipe speed, and the swipe length. Therefore, in order to perform the first authentication corresponding to the high authentication level according to the first authentication level, a more secure registration pattern can be registered using many factors. For example, a registration pattern can be registered to use all of the swipe direction, swipe speed, and swipe length if the primary authentication level is the highest, or only swipe direction if the primary authentication level is the lowest. The registration pattern may be registered so as to.
  • the first authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the primary authentication corresponds to the release conditional authentication, and when the primary authentication is released, the secondary authentication information may be invalidated.
  • primary authentication may correspond to authentication involving spatial or temporal release conditions.
  • the secondary authentication performing unit 4330 generates secondary authentication information for secondary authentication dependent on the primary authentication when the primary authentication is valid.
  • the second authentication information may correspond to information such as a picture or a phone number of the user who uses the mobile terminal.
  • additional authentication information according to the additional authentication method may be generated.
  • the payment performing unit 4340 transmits the second authentication information to any one of a server and a POS corresponding to the store to perform offline payment in a store, and receives a result of the offline payment. For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.
  • 45 to 49 are diagrams illustrating a payment progress screen when an application member is used in a payment method through BLE PUSH according to an embodiment of the present invention.
  • the payment method through the BLE PUSH according to an embodiment of the present invention, when a user who subscribes to an application pay service enters an offline store, a product through an application installed in a mobile terminal as shown in FIG. 4.
  • the benefit screen 4410 is output to the user.
  • the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacon installed in the store, and the product benefits screen 4410 including the discount information and coupon information in the store included in the BLE signal to expose to the mobile terminal.
  • the mobile terminal may obtain discount information and coupon information by obtaining check-in information corresponding to the store through the beacon of the store.
  • the mobile terminal may provide check-in information to the offline payment processing device through the application.
  • the product benefit screen 4410 may output discount information and coupon information together with a payment button on the lockscreen 4412 of the mobile terminal.
  • the product benefit screen 4410 may output discount information and coupon information together with a payment button on the BLE Noti 4411 of the mobile terminal.
  • the detailed screen 4510 of the store corresponding to the product benefits screen 4410 through the application as shown in FIG. Can be output to the terminal.
  • the detailed screen 4510 of the store may output more detailed discount and coupon information together with the store information.
  • a payment button can be output together so that the user can proceed with the payment process at any time.
  • the input window 4610 may be output. That is, based on the offline payment processing device linked through the application, the swipe input window for the first authentication corresponding to the approval of the corresponding store may be output to the mobile terminal.
  • the primary authentication may use a picture image gesture authentication method or a PIN authentication method in addition to the swipe operation pattern authentication method.
  • the user who completed the first authentication that is, the purchaser who completed the first authentication
  • the user who completed the first authentication is displayed on the payment screen 4710 of the POS device installed in the store as shown in FIG.
  • Corresponding secondary authentication information is displayed.
  • the swipe operation pattern may be transferred to the offline payment processing device to complete the first authentication.
  • the offline payment processing device may transmit information such as a picture or a phone number of the buyer corresponding to the second authentication information to the POS for the second authentication.
  • the cashier may perform the second authentication through the payment screen 4710 and proceed with the payment.
  • the second authentication information such as the user's photo or telephone number may check whether the payer who performed the first authentication in the mobile terminal matches the buyer who wants to purchase the product in the POS.
  • the second authentication for the application pay service may proceed after additional authentication according to the second authentication level.
  • a payment success message 4811 may be transmitted to the mobile terminal of the user as shown in FIG. 49.
  • the payment success message 4811 may display the name of the paid store, a payment method, and a payment amount.
  • the payment failure message 4812 may be transmitted to the user's mobile terminal, and the payment screen 4813 may be output to the mobile terminal in order to perform the payment again.
  • the payment screen 4813 may output a payment button or a barcode for application pay payment.
  • 50 to 56 are views illustrating a member registration screen when an application is a non-member in a payment method through BLE PUSH according to an embodiment of the present invention.
  • the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacons installed in the store, and the product benefits screen 4910 including the discount information and coupon information in the store included in the BLE signal to expose to the mobile terminal. Can be.
  • the product benefit screen 4910 may output discount information and coupon information to the lockscreen 4912 of the terminal when the mobile terminal is locked, but the payment button may not be output because it is a non-member of the application pay service. .
  • the product benefit screen 4910 may output discount information and coupon information to the BLE Noti 4911 of the mobile terminal.
  • the detailed screen 5010 of the store may output more detailed discount and coupon information together with the store information.
  • a pay app subscription button for subscribing to an application pay service may be output together so that a user may subscribe to a service for payment at any time.
  • the user authentication screen 5210 may be output to the mobile terminal to perform authentication of the user as shown in FIG. 53.
  • the user authentication may be performed by inputting a user's name, social security number, communication company and mobile phone number, and the like, and inputting an authentication number.
  • the registration pattern registration screen 5310 may be output to the mobile terminal in order to register the registration pattern to be used for the first authentication in the application pay service as shown in FIG. 54.
  • the card information registration screen 5410 may be output to the mobile terminal as shown in FIG. 55 to register a card to be used in the application pay service.
  • the subscription confirmation screen 5510 is finally output as shown in FIG. 56, and when the user selects confirmation, the subscription may be completed.
  • the user may provide an application pay service after performing a first authentication through a swipe operation pattern by outputting a payment button to the user's mobile terminal.
  • 57 is a flowchart illustrating an offline payment processing method in terms of an offline payment processing apparatus according to an embodiment of the present invention.
  • check-in information corresponding to a store entered by a user is obtained (S5610).
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • a device such as a BLE beacon may be installed at an entrance of a store, and when a user's mobile terminal enters an area of the BLE beacon, the terminal may be detected to transmit a signal including information of the store.
  • the mobile terminal receiving the signal may obtain the information of the store included in the signal through the application, and transmit the information to the offline payment processing device using the information as check-in information.
  • any technology capable of detecting that the user's mobile terminal has visited the store may be used as a technology for obtaining check-in information without being limited to any technology.
  • the offline payment processing method for the first authentication corresponding to the approval of the purchase corresponding to the store from the mobile terminal, it is generated corresponding to the swipe operation pattern for the mobile terminal First authentication information is received (S5620).
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the swipe operation pattern may be a pattern generated by using a swipe technique in which the user moves from the initial point to the final point with a finger on the touch screen.
  • data may be generated according to the direction and the number of times the finger is moved on the touch screen to generate a swipe operation pattern.
  • the swipe operation pattern may be set in consideration of any one or more of a swipe direction, a swipe speed, and a swipe length.
  • various patterns may be input in a direction corresponding to up, down, left, and right on the touch screen to generate a swipe operation pattern.
  • a pattern combining a direction and a speed such as fast up, slow up, fast down, and slow down is inputted on the touch screen. Can be generated.
  • swipe length is taken into account in the swipe direction and the swipe speed when generating the swipe motion pattern
  • direction such as fast-long-up, fast-short-up, slow-long-down, slow-short-down, A pattern combining speed and length may be input to generate a swipe motion pattern.
  • the primary authentication may be performed by comparing a swipe operation pattern and a registration pattern registered by the user in advance through an application installed in the mobile terminal.
  • the registration pattern may be a pattern in the same manner as the swipe operation pattern, and may be registered by touching in the same manner as the method of inputting the swipe operation pattern.
  • the registration pattern is registered within a preset pattern setting range including at least one of the total length of the registration pattern and the number of elements considered in setting the registration pattern, according to the primary authentication level corresponding to the primary authentication. Can be.
  • the total length of the registration pattern may correspond to the total number of patterns input through one swipe. For example, if the total length of the registration pattern is 5, the registration pattern may be registered through a pattern input through 5 swipes in total.
  • the overall length of the registration pattern may be increased for safety.
  • the factors considered in setting the registration pattern may correspond to the swipe direction, the swipe speed, and the swipe length. Therefore, in order to perform the first authentication corresponding to the high authentication level according to the first authentication level, a more secure registration pattern can be registered using many factors. For example, a registration pattern can be registered to use all of the swipe direction, swipe speed, and swipe length if the primary authentication level is the highest, or only swipe direction if the primary authentication level is the lowest. The registration pattern may be registered so as to.
  • the first authentication may be performed through various methods such as PIN input, fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the primary authentication corresponds to the release conditional authentication, and when the primary authentication is released, the secondary authentication information may be invalidated.
  • primary authentication may correspond to authentication involving spatial or temporal release conditions.
  • one of the release conditions of the primary authentication may be a timeout time corresponding to the time that the primary authentication is valid. That is, after performing the first authentication, if the preset timeout time is exceeded, the first authentication may be automatically released.
  • the timeout time may be set differently according to the type of store. For example, a store such as a supermarket may set a timeout time of 30 minutes to 1 hour to suit a shopping time. In addition, in a store such as a restaurant, a timeout time may be set from 2 to 3 hours to suit a meal time.
  • the payment through the mobile terminal may not be performed regardless of whether the second authentication is valid. Therefore, in order to perform the payment through the mobile terminal after the first authentication is released, the first authentication may be performed again, and then the second authentication may be performed to process the payment.
  • the first authentication may be released when the mobile terminal moves away from the store by a predetermined distance or more.
  • the mobile terminal is located by using a short range wireless communication device installed at various locations of the store entrance and the inside of the store, and the mobile terminal is determined to be out of the store and distanced more than a certain distance, the first authentication is released. Can be.
  • the primary authentication level may be adjusted according to the monitoring result for the mobile terminal obtained by the check-in information.
  • the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.
  • the monitoring result may correspond to the situation until the first authentication is performed.
  • the primary authentication level can be adjusted to improve. In other words, if a user with a mobile terminal enters a store, it takes an unusually long time before performing the first authentication, or if the store where the user enters is a store where frequent mobile fraud occurs. In order to secure payment, the first authentication level for the first authentication can be improved.
  • the offline payment processing method determines whether the first authentication is valid (S5625). That is, it may be checked whether the primary authentication is released by satisfying the release condition.
  • the primary authentication information may be received to perform the primary authentication again.
  • the offline payment processing method generates the secondary authentication information for secondary authentication dependent on the primary authentication, and generates a mobile terminal. It transmits to at least one of the POS corresponding to the store (S5630).
  • the user may determine a product or service that the user wants to purchase in the store and deliver the same to the POS of the store.
  • the second authentication may be performed at the POS and may be performed using at least one of the user's mobile terminal and the POS. Therefore, the second authentication information for the second authentication may be generated and transmitted to at least one of the mobile terminal and the POS.
  • the second authentication may be lower than the first authentication level. That is, since the purchase intention of the user who wants to purchase the product through the first authentication through the mobile terminal is confirmed, if the first authentication is not released because the conditions for canceling the first authentication are satisfied, the purchase is made only with the second level authentication of the lower level. Confirmation can also reduce the likelihood of fraud. Therefore, although the authentication level is lower than that of the first authentication, the second authentication may be an authentication method that can maximize the user's convenience.
  • secondary authentication may correspond to authentication dependent on primary authentication. That is, based on the first authentication using the mobile terminal, the second authentication information for the second authentication is provided to the POS of the store, and the POS uses the second authentication information provided to the second authentication for the user who wants to purchase the product. Can be done.
  • secondary authentication may require a face or phone number to be displayed to a user who wants to purchase a product, that is, a picture or phone number of a payer through a mobile terminal, and a store clerk approaches the POS to purchase a product.
  • the verification may be a method of performing second authentication.
  • the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result for the mobile terminal until the product corresponding to the purchase is submitted to the POS. That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.
  • the second authentication level may be adjusted to be improved.
  • the preset reference purchase time may correspond to a time less than the timeout time satisfying the release condition of the first authentication.
  • the additional authentication information is generated based on at least one of the sign pad connected to the mobile terminal and the POS, and the additional authentication information is transmitted to at least one of the mobile terminal and the POS in order to perform additional authentication according to the improvement of the second authentication level. Can be.
  • a method of authenticating a user's mobile terminal by shaking it according to a predetermined shaking pattern in the POS, and a question transmitted to the POS based on a call list or calendar registered in the mobile terminal during the first authentication How to check and answer, how to input preset tapping pattern on sign pad linked to POS, how to input preset crossing pattern on sign pad, and how to be located in payment zone corresponding to a certain range based on POS There are many easy ways to do this.
  • the offline payment processing method performs the offline payment in the store based on the second authentication result using the second authentication information (S5640). That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.
  • the offline payment processing method transmits and receives information necessary for offline payment processing with the mobile terminal of the user through a communication network, such as a network.
  • a communication network such as a network.
  • information for performing offline payment processing may be received from a separate application server or a POS installed in a store.
  • the offline payment processing method stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.
  • the storage module for storing information may be configured independently of the offline payment processing device to support a function for an offline payment processing service.
  • the storage module may operate as a separate mass storage and may include a control function for performing an operation.
  • FIG. 58 is a flowchart illustrating an offline payment processing method in a mobile terminal side according to an embodiment of the present invention.
  • the offline payment processing method obtains check-in information corresponding to a store where a user enters (S5710).
  • the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS.
  • BLE Bluetooth low energy
  • the mobile terminal may receive a beacon signal from a BLE beacon device installed at the entrance of the store.
  • the beacon signal may include check-in information including the information of the store.
  • the offline payment processing method performs the first authentication corresponding to the pre-approval for the purchase corresponding to the store (S5720).
  • the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.
  • the first authentication may be performed based on the first authentication information generated corresponding to the swipe operation pattern for the mobile terminal. For example, when the swipe operation pattern window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the swipe operation is performed in the same manner as the registration pattern registered in advance using the mobile terminal. Primary authentication can be performed by entering a pattern. That is, the server and the offline payment processing device may process the first authentication as completed when the swipe operation pattern input through the mobile terminal is the same as the registration pattern.
  • the swipe operation pattern may be set in consideration of any one or more of a swipe direction, a swipe speed, and a swipe length.
  • the registration pattern may be a pattern in the same manner as the swipe operation pattern, and may be registered by touching in the same manner as the method of inputting the swipe operation pattern.
  • the registration pattern is registered within a preset pattern setting range including at least one of the total length of the registration pattern and the number of elements considered in setting the registration pattern, according to the primary authentication level corresponding to the primary authentication. Can be.
  • the total length of the registration pattern may correspond to the total number of patterns input through one swipe. For example, if the total length of the registration pattern is 5, the registration pattern may be registered through a pattern input through 5 swipes in total.
  • the overall length of the registration pattern may be increased for safety.
  • the factors considered in setting the registration pattern may correspond to the swipe direction, the swipe speed, and the swipe length. Therefore, in order to perform the first authentication corresponding to the high authentication level according to the first authentication level, a more secure registration pattern can be registered using many factors. For example, a registration pattern can be registered to use all of the swipe direction, swipe speed, and swipe length if the primary authentication level is the highest, or only swipe direction if the primary authentication level is the lowest. The registration pattern may be registered so as to.
  • the first authentication may be performed through various methods such as PIN input, fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.
  • the offline payment processing method determines whether the first authentication is valid (S5725).
  • the primary authentication may be performed.
  • the offline payment processing method generates secondary authentication information for secondary authentication dependent on the primary authentication (S5730).
  • the second authentication information may correspond to information such as a picture or a phone number of the user who uses the mobile terminal.
  • additional authentication information according to the additional authentication method may be generated.
  • the offline payment processing method transmits the second authentication information to any one of the server and the POS corresponding to the store to perform the offline payment in the store, and receives the result of the offline payment (S5740). For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.
  • FIG. 59 is a detailed diagram illustrating a process of improving first authentication level of first authentication in the offline payment processing method illustrated in FIG. 57.
  • a monitoring result for the mobile terminal is first obtained based on check-in information (S5810).
  • the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.
  • the monitoring result may correspond to the situation until the first authentication is performed.
  • the first authentication level improvement condition is satisfied. In other words, if a user with a mobile terminal enters a store, it takes an unusually long time before performing the first authentication, or if the store where the user enters is a store where frequent mobile fraud occurs. In order to secure payment, the first authentication level for the first authentication can be improved.
  • step S5815 when the monitoring result satisfies the first authentication level improvement condition, at least one of a method of increasing the total length of the registration pattern and a method of increasing the number of elements considered in setting the registration pattern is performed.
  • Improve the primary authentication level (S5820). For example, when the primary authentication level is increased, stability can be improved by increasing the length of the registration pattern registered in the third pattern to the fifth pattern. For another example, stability can be improved by registering a registration pattern registered in consideration of the swipe direction only to further consider at least one of a swipe speed and a swipe length.
  • an appropriate authentication method may be set between the authentication level and the user's convenience depending on the situation.
  • the first authentication may be performed without improving the first authentication level.
  • FIG. 60 is a diagram illustrating a process of improving a second authentication level of second authentication in the offline payment processing method illustrated in FIG. 57.
  • the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.
  • the monitoring result exceeds the preset reference purchase time from the first authentication until the product is submitted to the POS
  • the travel distance of the mobile terminal after the first authentication exceeds the preset reference travel distance
  • the second authentication level improvement condition is satisfied when the moving speed of the mobile terminal corresponds to at least one of the cases in which the preset moving speed exceeds the preset reference moving speed.
  • the preset reference purchase time may correspond to a time less than the timeout time satisfying the release condition of the first authentication.
  • step S5915 If the monitoring result of the determination result in step S5915 satisfies the condition for improving the second authentication level, additional authentication information is generated based on at least one of a sign pad connected to the mobile terminal and the POS (S5920).
  • the additional authentication information is transmitted to at least one of the mobile terminal and the POS (S5930).
  • the secondary authentication may be performed without improving the secondary authentication level.
  • Computer-readable media suitable for storing computer program instructions and data include, for example, magnetic media such as hard disks, floppy disks, and magnetic tape, such as magnetic disks, compact disk read only memory (CD-ROM), and DVDs.
  • Optical Media such as Digital Video Disk, Magnetic-Optical Media such as Floppy Disk, and Read Only Memory, RAM, Random Semiconductor memories such as access memory (EPM), flash memory, erasable programmable ROM (EPROM), and electrically erasable programmable ROM (EEPROM).
  • the processor and memory can be supplemented by or integrated with special purpose logic circuitry.
  • Examples of program instructions may include high-level language code that can be executed by a computer using an interpreter as well as machine code such as produced by a compiler.
  • Such hardware devices may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.
  • the user obtains check-in information corresponding to a store entered, receives first authentication information for first authentication corresponding to pre-approval for a purchase corresponding to a store from a mobile terminal, and the first authentication is performed. If valid, the secondary authentication is performed based on the crosspoint of the touch trajectory input to the POS's sign pad, and the offline payment in the store is performed based on the result of the second authentication. Can be. Furthermore, it is possible to provide stable offline payment service while maximizing convenience for users.
  • the present invention obtains the check-in information corresponding to the store entered by the user, receives the first authentication information for the first authentication corresponding to the first approval for the purchase corresponding to the store from the mobile terminal, If the authentication is valid, it is possible to perform the second authentication, which is dependent on the first authentication and is performed based on the touch pattern entered in the sign pad of the POS, and the offline payment in the store can be performed based on the result of the second authentication. have. Furthermore, it is possible to provide stable offline payment service while maximizing convenience for users.
  • the swipe operation pattern for the mobile terminal Receives the first authentication information generated corresponding to the first authentication information, and if the first authentication is valid, generates the second authentication information for the second authentication dependent on the first authentication and transmits it to at least one of the POS corresponding to the mobile terminal and the store.
  • offline payment in the store may be performed. Furthermore, it is possible to provide stable offline payment service while maximizing convenience for users.

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  • Accounting & Taxation (AREA)
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  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
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Abstract

L'invention concerne un système de traitement de paiement hors ligne, un procédé de traitement de paiement hors ligne utilisant une authentification secondaire, ainsi qu'un appareil utilisant ledit procédé. L'appareil est capable de : acquérir des informations d'enregistrement correspondant à un magasin dans lequel est entré un utilisateur; recevoir, d'un terminal mobile, des informations d'authentification primaires pour une authentification primaire correspondant à une autorisation préalable de l'achat correspondant au magasin; si l'authentification primaire est valide, effectuer une authentification secondaire, qui est subordonnée à la première authentification, d'après un point de croisement dans le traçage d'un contact entré sur un pavé de signature d'un POS; et, d'après les résultats de l'authentification secondaire, effectuer un paiement hors ligne en magasin. Par conséquent, un service de paiement hors ligne sécurisé offrant un maximum de commodité peut être fourni aux utilisateurs.
PCT/KR2016/006315 2015-09-22 2016-06-14 Système de traitement de paiement hors ligne, procédé de traitement de paiement hors ligne utilisant une authentification secondaire, et appareil utilisant ledit procédé Ceased WO2017052035A1 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
KR1020150133763A KR102505974B1 (ko) 2015-09-22 2015-09-22 2채널 인증을 이용한 오프라인 결제 처리 시스템, 스와이프 패턴을 이용한 1차 인증 기반의 2채널 인증을 이용한 오프라인 결제 처리 방법 및 이를 이용한 장치
KR10-2015-0133763 2015-09-22
KR10-2015-0148084 2015-10-23
KR1020150148084A KR102505975B1 (ko) 2015-10-23 2015-10-23 오프라인 결제 처리 시스템, 터치 패턴을 이용한 2차 인증 기반의 오프라인 결제 처리 방법 및 이를 이용한 장치
KR1020150148087A KR102505976B1 (ko) 2015-10-23 2015-10-23 오프라인 결제 처리 시스템, 터치궤적의 크로스 포인트를 이용한 2차 인증 기반의 오프라인 결제 처리 방법 및 이를 이용한 장치
KR10-2015-0148087 2015-10-23

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CN112950219B (zh) * 2021-03-09 2023-10-27 支付宝（中国）网络技术有限公司 支付处理方法和系统

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