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WO2019151806A1 - Procédé de paiement mobile automatique hors ligne basé sur un emplacement - Google Patents

Procédé de paiement mobile automatique hors ligne basé sur un emplacement Download PDF

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Publication number
WO2019151806A1
WO2019151806A1 PCT/KR2019/001382 KR2019001382W WO2019151806A1 WO 2019151806 A1 WO2019151806 A1 WO 2019151806A1 KR 2019001382 W KR2019001382 W KR 2019001382W WO 2019151806 A1 WO2019151806 A1 WO 2019151806A1
Authority
WO
WIPO (PCT)
Prior art keywords
communication
location
information
pos terminal
identification information
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/KR2019/001382
Other languages
English (en)
Korean (ko)
Inventor
남궁희
목인경
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.)
Lim Hyohyun
Lim Taehee
Original Assignee
Lim Hyohyun
Lim Taehee
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
Application filed by Lim Hyohyun, Lim Taehee filed Critical Lim Hyohyun
Publication of WO2019151806A1 publication Critical patent/WO2019151806A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4015—Transaction verification using location information
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices

Definitions

  • the present invention relates to a location-based offline mobile automatic payment method, a hands-free location-based offline mobile automatic payment method where payment is made when a user inputs his or her own security key preset in a POS terminal without a separate operation of a smartphone. It is about.
  • the present invention provides a hands-free location-based offline mobile automatic payment method that automatically performs mobile payment when a user inputs an authentication key registered in advance in a POS terminal without a separate operation in order to maximize the convenience of a payment process. It aims to provide.
  • the data transmission and reception unit of the service server receiving payment amount information, security key information, POS identification information from the POS terminal, the data transmission and reception Receiving communication cell ID information of a communication cell to which the user device accesses, POS identification information and subscriber identification information broadcasted and received from the POS terminal, by the location authentication unit of the service server; Determining that the user device is located near the POS terminal in the communication cell coverage by using a second payment method; and if the user device is determined to be located near the POS terminal in the communication cell coverage, the payment processing unit of the service server Generating payment information by processing the payment; and And transmitting the data transmitting and receiving portion, the generated billing information to the user equipment.
  • POS identification information broadcast from the POS terminal may be broadcast by short-range communication.
  • the short range communication may be one of Bluetooth communication, high frequency communication, RFID communication, beacon communication, and NFC communication.
  • the location authentication unit determines that the user equipment is located near the POS terminal in the communication cell coverage by using the received information, wherein the location authentication unit is configured based on the POS identification information previously stored in the database of the service server. Matched communication cell ID information may be used.
  • the communication cell checking unit of the service server may further include requesting communication cell ID information at which the POS terminal is located to the communication company server through the data transmission and reception unit.
  • the user equipment may receive a short range communication activation signal from the communication cell to turn on the short range communication mode.
  • the security key is a security key set in advance when the user subscribes to the location-based offline mobile payment service, and may be input by the user from the keypad of the POS terminal.
  • the method may further include transmitting a local area communication activation signal to the user device corresponding to the security key information when the data transmission / reception unit of the service server receives the security key information from the POS terminal.
  • a location-based offline mobile automatic payment method comprising receiving security key information from a user through a keypad unit of a POS terminal, the identification information management unit of the POS terminal through an identification information communication unit Broadcasting POS identification information of the POS terminal; generating payment amount information by the payment amount processing unit of the POS terminal; and transmitting and receiving the security key information, payment amount information, and POS identification information by the data transmission / reception unit of the POS terminal. Transmitting to the service server.
  • the identification information communication unit may include a Bluetooth communication module detachable to the POS terminal.
  • the identification information communication unit broadcasts the POS identification information through local area communication, and the local area communication may be one of Bluetooth communication, high frequency communication, RFID communication, beacon communication, and NFC communication.
  • the data transmission and reception unit of the service server receiving payment amount information, security key information, POS identification information from the POS terminal, the data transmission and reception Receiving, from an additional user device, a location identification signal and subscriber identification information generated by checking whether communication cell ID information of a communication cell to which the user device is connected and POS identification information broadcast and received from the POS terminal correspond to each other;
  • the received positioning signal is a positioning approval signal for acknowledging that the user device is near the POS terminal located in the coverage of the communication cell
  • the payment processing unit of the service server processes the payment to generate payment information. Step, and the data transmission and reception unit using the generated payment information And transmitting the magnetic group.
  • POS identification information broadcast from the POS terminal may be broadcast by short-range communication.
  • the short range communication may be one of Bluetooth communication, high frequency communication, RFID communication, beacon communication, and NFC communication.
  • the user equipment may receive a short range communication activation signal from the communication cell to turn on the short range communication mode.
  • the security key is a security key set in advance when the user subscribes to the location-based offline mobile payment service, and may be input by the user from the keypad of the POS terminal.
  • the method may further include transmitting a local area communication activation signal to the user device corresponding to the security key information when the data transmission / reception unit of the service server receives the security key information from the POS terminal.
  • a location-based offline mobile automatic payment method comprising the steps of receiving security key information from the user through the keypad of the POS terminal. Broadcasting the POS identification information of the POS terminal by the ID information communication unit of the POS terminal, generating the payment amount information by the payment amount processing unit of the POS terminal, and the data transmission / reception unit of the POS terminal And transmitting the security key information and payment amount information to a service server.
  • the identification information communication unit may include a Bluetooth communication module installed in the POS terminal.
  • the identification information communication unit broadcasts the POS identification information through local area communication, and the local area communication may be one of Bluetooth communication, high frequency communication, RFID communication, beacon communication, and NFC communication.
  • the payment is automatically processed only by inputting a pre-registered authentication key into the POS terminal. It can be maximized.
  • the location-based offline mobile automatic payment method doubles the location of the user by using the ID of the communication cell to which the smartphone is connected and the POS identification information of the POS terminal located in the area covered by the communication cell. Because of this, the security of offline payments can be enhanced.
  • FIG. 1 is a configuration diagram of a system for performing a location-based offline mobile automatic payment method according to a first embodiment of the present invention.
  • FIG. 2 is a block diagram of a service server for providing a location-based offline mobile automatic payment method according to a first embodiment of the present invention.
  • FIG. 3 is a configuration diagram of a POS terminal in a location-based offline mobile automatic payment method according to a first embodiment of the present invention.
  • FIG. 4 is a flow chart of a location-based offline mobile automatic payment method according to a first embodiment of the present invention.
  • each of the components, functional blocks or means may be composed of one or more sub-components, the electrical, electronic, mechanical functions performed by each component is an electronic circuit, It may be implemented by various known elements or mechanical elements such as an integrated circuit, an application specific integrated circuit (ASIC), or may be implemented separately, or two or more may be integrated into one.
  • ASIC application specific integrated circuit
  • Combinations of each block in the accompanying block diagram and in each step of the flowchart may also be performed by computer program instructions.
  • These computer program instructions may be mounted on a processor of a general purpose computer, a special purpose computer, a portable notebook computer, a network computer, or other programmable data processing equipment, such that the instructions executed by the processor of the computer device or other programmable data processing equipment may be used. It will create means for performing the functions described in each block of the block diagram or flow diagram described below.
  • Computer program instructions may also be stored in a memory or computer readable memory available to a computer device capable of directing the computer device or other programmable data processing equipment to implement functionality in a particular manner, so that each block in the block diagram Alternatively, it is also possible to produce an article containing instruction means for performing the functions described in each step of the flowchart.
  • Computer program instructions may also be mounted on a computer device or other programmable data processing equipment, thereby creating a process for performing a series of operational steps on the computer device or other programmable data processing equipment, so that each block and flowchart in the block diagram. It is also possible to provide steps for executing the functions described in each step of.
  • each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s).
  • a specified logical function s.
  • the functions noted in the blocks or steps may occur out of order.
  • the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.
  • FIG. 1 is a configuration diagram of a system for performing a location-based offline mobile automatic payment method according to a first embodiment of the present invention.
  • the system for performing the location-based offline mobile automatic payment method includes a service server 100, a POS terminal 200, a communication cell 300, and a user. It includes a device 400, and further includes a communication company server (not shown) and a financial institution server (not shown).
  • the communication cell 300 may include a picocell or femtocell having a predetermined communication coverage as an access point (AP) to which a user equipment is connected.
  • the communication cell 300 may include a Wi-Fi cell.
  • FIG. 2 is a configuration diagram of a service server providing a location-based offline mobile payment method according to the first embodiment of the present invention
  • FIG. 3 is a POS in the location-based offline mobile payment method according to the first embodiment of the present invention. It is a block diagram of a terminal.
  • the service server 100 for providing a location-based offline mobile automatic payment service includes a data transmission / reception unit 110 for transmitting and receiving data and a location for processing user authentication through location confirmation of a user device.
  • the authentication unit 120 includes a payment processing unit 130 for processing payment according to the result of the location authentication unit 120 and a database unit 140 for storing data.
  • the POS terminal 200 is an identification for transmitting the POS identification information of the POS terminal 200 to the keypad unit 210, the user device 400 for receiving the user's authentication key
  • the information communication unit 220 a data transmission and reception unit 230 for transmitting and receiving data to the service server 100 and a payment amount processing unit 240 for generating payment amount information based on the payment amount input to the POS terminal.
  • FIG. 4 is a flow chart of a location-based offline mobile automatic payment method according to a first embodiment of the present invention.
  • the communication cell 300 transmits a short range communication activation signal to the user device 400 located within the coverage of the communication cell 300.
  • the user device 400 may be pre-installed with an application for the location-based offline mobile payment service according to the first embodiment of the present invention, and may be executed in the background app state in advance.
  • a plurality of POS terminals having different unique POS identification information may be located within the coverage of the communication cell 300.
  • the user device 400 may be set to automatically turn on the near field communication mode when the near field communication activation signal is received from the communication cell 300 by an application.
  • the short range communication mode may be applied to any method in which the user device 400 can receive data at a short range, and may be any communication method capable of receiving short range data such as Bluetooth communication, high frequency communication, RFID communication, beacon communication, and NFC communication. .
  • the user device 400 entering into the coverage of the communication cell 300 automatically turns on the short-range communication mode in the user device 400 based on the short-range communication activation signal received from the communication cell 300. Therefore, the user does not need to perform a separate operation on the user device 400.
  • the user After the user purchases an item or receives a service, the user comes to the POS terminal 200 to check the payment amount, and inputs the user's unique security key information registered in advance at the time of the location-based offline mobile automatic payment service subscription through the keypad 210. do.
  • the security key information functions as a user ID and password.
  • the settlement amount processing unit 240 of the POS terminal 200 generates payment amount information based on the input settlement amount.
  • the data transmission / reception unit 230 of the POS terminal 200 transmits security key information, payment amount information, and POS identification information to the service server 100, and the data transmission / reception unit 110 of the service server 100 is a POS terminal ( 200, payment amount information, security key information, and POS identification information are received (S100).
  • the short-range communication mode is automatically turned on by the user device 400 based on the short-range communication activation signal received from the communication cell 300 by the user device 400 entering the coverage of the communication cell 300.
  • the user device 400 receives the short-range communication activation signal from the communication cell 300 as soon as the user device 400 enters the coverage of the communication cell 300, the user device 400 is automatically turned on. ), The battery may drain quickly.
  • the service server 100 when the data transmission and reception unit 110 of the service server 100 receives the security key information from the POS terminal 200, the service server 100
  • the short range communication mode management unit (not shown) transmits a short range communication activation signal to the user device 400 corresponding to the security key information through the data transmission and reception unit 110, and the user device 400 transmits the service server (
  • the short range communication mode may be turned on based on the short range communication activation signal received through 100.
  • the POS identification information is POS-specific identification information for identifying the location of the POS, and is pre-assigned for each POS terminal 200.
  • the identification information communication unit 220 of the POS terminal 200 broadcasts the POS identification information of the POS terminal 200 through short-range communication.
  • the identification information communication unit 220 may include a Bluetooth communication module detachable to the POS terminal 200, the short-range communication may be Bluetooth communication.
  • the POS identification information is received from the POS terminal 200 through near field communication.
  • the user device 400 transmits the communication cell ID information of the communication cell 300 to which the user device 400 is connected, the POS identification information and the subscriber identification information received through the short-range communication through the data transmission / reception unit 230 through the service server 100. To send.
  • the data transmission / reception unit 110 of the service server transmits the communication cell ID information of the communication cell to which the user device 400 is connected from the user device 400 and the POS identification information and the subscriber identification information broadcast and received from the POS terminal.
  • Receive (S200) The data transmission / reception unit 110 of the service server transmits the communication cell ID information of the communication cell to which the user device 400 is connected from the user device 400 and the POS identification information and the subscriber identification information broadcast and received from the POS terminal.
  • the location authentication unit 120 of the service server 100 uses the information received from the user device 400 and the POS terminal 200, so that the user device 400 has the POS terminal within the coverage of the communication cell 300. It is determined to be located in the vicinity (S300).
  • the location authentication unit 120 identifies the subscriber by using the received security key information and the subscriber identification information, and matches the POS identification information received from the POS terminal 200 and the POS identification information to the database of the service server 100. Check if the cell ID information previously stored in the unit 140 matches the POS identification information and the cell ID information received from the user device 400 so that the user device 400 is located in the coverage of the communication cell 300. Check whether the location is near the POS terminal 200.
  • the communication cell checking unit of the service server 100 may be configured to request and receive communication cell ID information in which the POS terminal is located from the communication company server through the data transmission and reception unit 110.
  • the payment processing unit 130 of the service server 100 If it is determined that the user device 400 is located near the POS terminal 200 within the coverage of the communication cell 300, the payment processing unit 130 of the service server 100 generates payment information to generate payment information. (S300).
  • the user may pre-register a card for payment when the location-based offline mobile automatic payment service is subscribed, and the payment processing unit 130 of the service server 100 processes the payment through communication with the financial institution server.
  • the data transmission and reception unit 130 of the service server 100 transmits the generated payment information to the user device 400 (S400).
  • the user can maximize the user's convenience by automatically paying only by inputting the pre-registered security key information into the POS terminal 200 without any separate operation on the user device 100.
  • the service server 100 communicates communication cell ID information of a communication cell to which the user device 400 accesses from the user device 400, and POS identification information and subscriber identification broadcast and received from the POS terminal.
  • the method of receiving the information and authenticating the location of the user device 400 by the location authentication unit 120 using the received information has been described, the second embodiment may be configured differently.
  • the user device 400 determines the It is determined whether it is located near the POS terminal 200 located in the coverage.
  • the location authentication unit of the user device 400 has identification information of at least one POS terminal 200 matched with the communication cell 300, and the received communication cell ID and the POS identification information are based on this. Determine if it matches.
  • the communication cell ID and the POS identification information correspond to each other, it is confirmed that the user device 400 is located near the POS terminal 300 located in the coverage of the communication cell 300.
  • the location authentication unit of the user device 400 transmits the location confirmation signal and the subscriber identification information according to the determination result to the service server 100.
  • the data transmission / reception unit 110 of the service server 100 receives the positioning signal, and the positioning signal is located in the coverage of the communication device 300 by the user device 400 of the POS terminal 200.
  • the payment processing unit 130 of the service server 100 makes a payment using the security key information and the subscriber information and payment amount information received from the POS terminal 200. Process to generate payment information.
  • the subscriber to confirm the payment by using the subscriber information and the security key information.
  • Location-based offline mobile automatic payment method can be implemented as a computer-readable code on a computer-readable recording medium.
  • the computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of the recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device and the like.
  • the computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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  • Telephonic Communication Services (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé de paiement mobile automatique hors ligne basé sur un emplacement. Le procédé comprend les étapes suivantes, consistant : à recevoir, par une unité d'émission-réception de données d'un serveur de service, des informations de montant de paiement, des informations de clé de sécurité et des informations d'identification de POS à partir d'un terminal POS ; à recevoir, par l'unité d'émission-réception de données, des informations d'identification de cellule de communication d'une cellule de communication faisant l'objet d'un accès par un dispositif d'utilisateur, des informations d'identification de POS diffusées et reçues en provenance du terminal POS, et des informations d'identification d'abonné, à partir du dispositif d'utilisateur ; à déterminer, par une unité d'authentification d'emplacement du serveur de service, si le dispositif utilisateur est situé à proximité du terminal POS à l'intérieur de la couverture de la cellule de communication, en utilisant les informations reçues ; lorsqu'il est déterminé que le dispositif utilisateur est situé à proximité du terminal POS à l'intérieur de la couverture de la cellule de communication, à traiter le paiement et à générer des informations de paiement par une unité de traitement de paiement du serveur de service ; et à transmettre, par l'unité d'émission-réception de données, des informations de paiement générées au dispositif utilisateur.
PCT/KR2019/001382 2018-02-01 2019-02-01 Procédé de paiement mobile automatique hors ligne basé sur un emplacement Ceased WO2019151806A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2018-0012855 2018-02-01
KR1020180012855A KR101890857B1 (ko) 2018-02-01 2018-02-01 위치 기반 오프라인 모바일 자동 결제방법

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WO2019151806A1 true WO2019151806A1 (fr) 2019-08-08

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KR102040100B1 (ko) * 2019-03-14 2019-11-05 강민 일회용 패스워드(One Time Password； OTP) 기반 모바일 자동 결제방법 및 이를 이용한 시스템
KR102119899B1 (ko) * 2019-06-05 2020-06-09 강민 모바일 자동 결제 방법 및 이를 위한 시스템
KR102891947B1 (ko) * 2023-08-14 2025-11-26 임재석 결제를 처리하는 방법 및 그 장치

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KR20110069911A (ko) * 2009-12-18 2011-06-24 에스케이 텔레콤주식회사 스티커 카드를 이용한 금융 결제 서비스 방법 및 시스템
KR20140143213A (ko) * 2012-04-06 2014-12-15 마이크로소프트 코포레이션 위치 데이터를 이용한 모바일 통신 디바이스와 단말기간의 거래 인증
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