KR102119899B1 - Automatic mobile payment method and system for the same - Google Patents

Abstract

Disclosed is an automatic mobile payment method, comprising the following steps of: allowing a service server to receive one user identification information from a payment processing device broadcasting a first signal by using near field communications; transmitting a near field communications unit name of a first mobile device received from the first mobile device which detects the first signal to the payment processing device; receiving information on a first distance between the payment processing device and the first mobile device from the payment processing device; and performing a payment process in which a payment source identified by the one user identification information and the payment processing device participate, wherein the payment process is performed when it is determined that the payment processing device and the first mobile device are within a predetermined distance from each other based on the information on the first distance, and when the one user identification information is related to the first mobile device. The payment processing device is configured to detect a 1M signal broadcasted by the first mobile device using the near field communications based on the near field communications name of the first mobile device, and to generate the information on the first distance based on the 1M signal.

Description

Automatic mobile payment method and system for the same}

The present invention relates to a mobile automatic payment method and a system using the same. Particularly, the present invention relates to a mobile automatic payment method and a system using the mobile payment method in which a mobile payment is automatically performed even when a user does not directly take out a mobile device during a transaction.

Recently, various mobile payments using a mobile device such as a smartphone have been provided. To this end, in general, a user takes a mobile device and then operates it to execute a dedicated payment application, selects a payment method, and undergoes a security authentication process. In this process, the user uses the hand. Existing mobile payments require too many processes, such as taking out the mobile, unlocking the lock screen, running an app for payment, and entering a password to proceed with mobile payments. Depending on the specific payment environment, this process can be quite cumbersome, and thus the payment behavior using the conventional physical card may be maintained and eventually the spread of such mobile payment may not be achieved.

In order to simplify the complexity of the payment, methods such as simple payment, in which payment is made when a payment method is contacted to a merchant terminal using a short-range communication technology, or payment is performed by entering a payment password registered in advance in the mobile electronic wallet app. Is being proposed.

However, such a simple payment method is also a method that can be performed by taking out the mobile device by hand, and there is a problem in that a waiting time may occur in the process since the mobile device must be taken out and an application is executed. Also, in the case of the payment password, there is a risk of leakage of the payment password, which may cause security problems.

The present invention is to provide a mobile payment method to enable mobile payment through a minimized process.

In addition, the present invention is to provide a technology that automatically performs mobile payment when a user enters passwords set in advance in a payment processing device without removing a mobile device.

In addition, the present invention is to provide a technique for enhancing the security of mobile payments using a one-time password (OTP).

According to an aspect of the present invention, the payment processing apparatus, using the short-range communication, broadcasting the first signal; Transmitting, by the payment processing device, one user identification information to the service server; Receiving, by the payment server, the short-distance communication unit name of the first mobile device provided by the first mobile device to the service server from the service server; And the payment processing device detects a 1M signal broadcast by using the short-range communication by the first mobile device based on the short-range communication unit name of the first mobile device, and pays based on the first M signal. And generating information on a first distance between the progress device and the first mobile device and transmitting the information to the service server. The service server includes the payment processing device and the information based on the information on the first distance. When it is determined that the first mobile devices are within a predetermined distance from each other, and when the one user identification information is associated with the first mobile device, the payment source identified by the one user identification information and the A mobile automatic payment method may be provided in which a payment process in which a payment processing device participates is performed.

At this time, the mobile automatic payment method, the payment processing device may further include the step of transmitting the secret information received through the user interface of the payment processing device to the service server. At this time, the payment process is performed only when the secret information and the one user identification information match each other, and performing the matching is performed in the service server or the secret information and the one from the service server. It can be executed by a financial institution server that receives the payment source included in the dog identification information.

At this time, the mobile automatic payment method, the payment processing device, the service server may further include the step of receiving the first mobile-compatible OTP generated from the service server. At this time, the first M signal includes a first mobile OTP generated by the first mobile device, and transmitting the information on the first distance includes the first mobile-compatible OTP and the first mobile OTP. It can be done in the same case.

In this case, the first signal may include identification information for identifying the payment processing device. In addition, the first mobile device is configured to provide identification information for identifying the payment progress device to the service server, and the service server specifies the payment progress device based on the identification information for identifying the payment progress device, The short-range communication unit name may be provided to the payment processing device.

At this time, the step of transmitting the user identification information to the service server, the payment processing device, obtaining one or more user identification information from the first mobile device or the service server; And outputting the one or more user identification information by the payment processing device. Further, the one user identification information may be one selected from the output one or more user identification information through a user interface of the payment processing device.

At this time, the mobile automatic payment method, the payment progress device, further comprising the step of transmitting the payment information including the payment amount to the service server, the one user identification information includes information identifying the payment account The payment source identified by the one piece of user identification information is the payment account, and the payment process may be a financial process for processing the payment amount to be paid from the payment source.

At this time, the method of short-range communication used to transmit the first signal may be different from the method of short-range communication used to transmit the first M signal.

According to another aspect of the present invention, the service server, using a short-range communication to receive one user identification information from the payment processing device broadcasting the first signal; Transmitting, by the service server, a short-distance communication unit name of the payment processing device received from the payment processing device to a first user device; Receiving, by the service server, information regarding a second distance between the first mobile device and the payment processing device from the first mobile device; And when the service server determines that the first mobile device and the payment processing device are within a predetermined distance from each other based on the information on the second distance, and the one user identification information is the first mobile. If it is associated with the device, performing a payment process identified by the one user identification information and the payment process in which the payment processing device participates; includes, wherein the first user device is the payment processing device The mobile device is configured to detect the first P signal broadcast using short-range communication based on the short-range communication unit name of the payment processing device, and generate information about the second distance based on the first P signal. An automatic payment method may be provided.

At this time, the method of short-range communication used to transmit the first signal may be different from the method of short-range communication used to transmit the first P signal.

According to another aspect of the present invention, the service server, using a short-range communication to receive one user identification information from the payment processing device broadcasting the first signal; Transmitting, by the service server, the short-distance communication unit name of the first mobile device received from the first mobile device detecting the first signal to the payment processing device; Receiving, by the service server, information regarding a first distance between the payment processing device and the first mobile device from the payment processing device; And when the service server determines that the payment processing device and the first mobile device are within a predetermined distance from each other based on the information on the first distance, and the one user identification information is the first mobile. If it is associated with a device, performing a payment process identified by the one user identification information and the payment process in which the payment processing device participates; includes, wherein the payment processing device is the first mobile device Is to detect a first M signal broadcast using short-range communication based on the short-range communication unit name of the first mobile device, and generate information about the first distance based on the first M signal. A mobile automatic payment method may be provided.

At this time, the mobile automatic payment method, prior to the step of receiving the information on the first distance, the service server, the first mobile device, using the short-range communication to send a command to send a command to broadcast It may further include.

At this time, the mobile automatic payment method, the service server, generating a first mobile response OTP and transmitting to the payment processing device; And the service server receiving a first mobile OTP generated by the first mobile device from at least one of the payment processing device and the first mobile device, wherein the first mobile OTP and the first The first mobile device is authenticated only when the mobile-compatible OTPs are the same, and the payment process can be executed only when the first mobile device is authenticated.

The mobile automatic payment method, the service server, generating a first payment terminal corresponding OTP and transmitting to the first mobile device; And receiving, by the service server, a first payment terminal OTP generated by the payment progress device from one or more of the payment progress device and the first mobile device, wherein the first payment terminal OTP and the first 1 The payment terminal is authenticated only when the payment terminal corresponding OTPs are the same, and the payment process can be executed only when the payment terminal is authenticated.

At this time, the first signal includes identification information for identifying the payment progress device, and the first mobile device is configured to provide identification information for identifying the payment progress device to the service server, wherein the service server is The payment processing device may be specified based on the identification information identifying the payment processing device, and the short-range communication unit name of the first mobile device may be provided to the payment processing device.

At this time, the payment processing device is configured to acquire one or more user identification information from the first mobile device or the service server, and the one user identification information is the one or more output by the payment processing device. The user identification information may be selected through the user interface of the payment processing device.

In this case, the mobile automatic payment method may further include the step of receiving payment information including the payment amount from the payment server, the service server. In addition, the one user identification information includes information for identifying a payment account, and the payment source identified by the one user identification information is the payment account, and the payment process pays for the payment from the payment source. It can be a financial process that handles it as much as possible.

According to another aspect of the present invention, the first mobile device, the payment processing device receiving a first signal including identification information identifying the payment processing device as broadcast by using short-range communication; Providing, by the first mobile device, identification information identifying the payment processing device to a service server, receiving a short-range communication unit name of the payment processing device from the service server; And the first mobile device detects a first P signal broadcast by the payment processing device using short-range communication based on the short-distance communication unit name of the payment processing device, and based on the first P signal. And generating and transmitting information regarding a second distance between the device and the payment processing device to the service server, wherein the payment processing device is configured to provide one user identification information to the service server, and the service. The server is configured to request the payment device to broadcast using short-range communication by specifying the payment processing device based on the identification information identifying the payment processing device provided by the first mobile device, and the first P signal is When the payment processing device is transmitted according to the broadcast request, and the service server determines that the first mobile device and the payment processing device are within a predetermined distance from each other based on the information on the second distance. In addition, when the one user identification information is associated with the first mobile device, a payment source identified by the one user identification information and a payment process in which the payment progress device participates are performed. A mobile automatic payment method may be provided.

At this time, the mobile automatic payment method, the first mobile device, further comprising the step of receiving the first payment terminal corresponding OTP generated by the service server from the service server, the first P signal is the payment processing device The generated first payment terminal OTP is included, and the step of transmitting information on the second distance to the service server is executed only when the first payment terminal OTP and the first payment terminal correspondence OTP are the same. Can be.

At this time, the mobile automatic payment method, the first mobile device, further comprising the step of generating a first mobile OTP, the service server is configured to obtain the first mobile OTP, the service server, the When the first mobile-compatible OTP generated by the service server is the same as the first mobile OTP, it may be configured to authenticate the first mobile device.

According to another aspect of the present invention, a payment progress device including a short-range communication unit, a data transmission/reception unit, and a processing unit may be provided. The processing unit, using the short-range communication unit, broadcasting a first signal using the short-range communication; Transmitting one user identification information to the service server using the data transmitting and receiving unit; Receiving, by the service server, the name of the short-range communication unit of the first mobile device provided to the service server by the first mobile device detecting the first signal using the data transmission and reception unit; And using the data transmitting and receiving unit, detecting a first M signal broadcast by using the short-range communication by the first mobile device based on the short-range communication unit name of the first mobile device, and based on the first M signal. And generating information on a first distance between the payment processing device and the first mobile device and transmitting the information to the service server. At this time, when the service server determines that the payment processing device and the first mobile device are within a predetermined distance from each other based on the information on the first distance, and the one user identification information is the first mobile When it is associated with a device, a payment process identified by the one piece of user identification information and a payment process in which the payment processing device participates are performed.

According to another aspect of the present invention, a service server including a data transmitting and receiving unit and a processing unit may be provided. The processing unit, using the data transmitting and receiving unit, receiving one user identification information from the payment processing device broadcasting the first signal using a short-range communication; Transmitting a short-distance communication unit name of the payment processing device received from the payment processing device to a first user device using the data transmission/reception unit; Receiving, from the first mobile device, information on a second distance between the first mobile device and the payment processing device using the data transmitting and receiving unit; And when the first mobile device and the payment processing device are determined to be within a predetermined distance from each other based on the information on the second distance, and the one user identification information is associated with the first mobile device. In this case, a step of performing a payment process identified by the one piece of user identification information and a payment process in which the payment processing device participates is performed. In addition, the first user device is configured to detect the first P signal broadcast by the payment progress device using short-range communication based on the short-distance communication unit name of the payment progress device, and based on the first P signal. It is supposed to generate information about the 2nd street.

According to another aspect of the present invention, a service server including a data transmitting and receiving unit and a processing unit may be provided. The processing unit, using the data transmitting and receiving unit, receiving one user identification information from the payment processing device broadcasting the first signal using a short-range communication; Transmitting the short-distance communication unit name of the first mobile device received from the first mobile device that has detected the first signal to the payment processing device using the data transmitting and receiving unit; Receiving information about a first distance between the payment processing device and the first mobile device from the payment processing device by using the data transmission and reception unit; And when the payment processing device and the first mobile device are determined to be within a predetermined distance from each other based on the information on the first distance, and the one user identification information is associated with the first mobile device. In this case, a step of performing a payment process identified by the one piece of user identification information and a payment process in which the payment processing device participates is performed. The payment processing device is configured to detect the first M signal broadcast by the first mobile device using short-range communication based on the short-distance communication unit name of the first mobile device, and based on the first M signal. It is intended to generate information regarding the first distance.

According to another aspect of the present invention, a mobile device including a data transmission/reception unit, a local area communication unit, a signal detection unit, and a processing unit may be provided. The processing unit, using the short-range communication unit or the signal detection unit, receiving a first signal including the identification information for identifying the payment progress device, broadcast by the payment processing device using short-range communication; Using the data transmitting and receiving unit, providing identification information identifying the payment processing device to a service server, and receiving a short-range communication unit name of the payment processing device from the service server; And using the data transmission/reception unit, the payment processing device detects a 1P signal broadcast using short-range communication based on the short-range communication unit name of the payment processing device, and based on the 1P signal, the first mobile. And generating information on a second distance between the device and the payment processing device and transmitting the information to the service server. At this time, the payment processing device is configured to provide one user identification information to the service server. In addition, the service server is configured to request the broadcast using short-range communication to the payment device by specifying the payment processing device based on identification information identifying the payment processing device provided by the first mobile device. The 1P signal is transmitted by the payment processing device according to the broadcast request. And when the service server determines that the first mobile device and the payment processing device are within a predetermined distance from each other based on the information on the second distance, and the one user identification information is the first mobile device When associated with, the payment source identified by the one user identification information and the payment process in which the payment processing device participates are performed.

As described above, according to an embodiment of the present invention, since the payment proceeds even if the mobile device is carried out without being taken out, the time required to execute the application of the mobile device is omitted, so that a quick payment is possible.

In addition, payment is simplified because it is not necessary to take out the mobile device.

In addition, according to an embodiment of the present invention, since a one-time password (OTP) is used, there is no problem of leakage of the payment password and security can be improved.

In addition, according to an embodiment of the present invention, when the mobile device receives a predetermined broadcast signal from the payment progress device, the mobile device automatically changes the payment app from the standby state to the activated state, and the mobile device is in service. When the short-range communication activation signal is received from the server, the short-range communication mode of the mobile device is automatically changed to the ON state, thereby preventing unnecessary battery consumption of the mobile device.

1 is a system diagram of a mobile automatic payment system according to an embodiment of the present invention.
2 is a configuration diagram of a mobile device providing a mobile automatic payment method according to an embodiment of the present invention.
3 is a configuration diagram of a service server providing a mobile automatic payment method according to an embodiment of the present invention.
4 is a block diagram of a payment progress device providing a mobile automatic payment method according to an embodiment of the present invention.
5A, 5B, and 5C are flowcharts illustrating a mobile automatic payment method according to an embodiment of the present invention.
6 is a flowchart illustrating steps performed by a payment processing device for a mobile automatic payment service provided according to an embodiment of the present invention.
7 is a flowchart illustrating steps performed by a service server for a mobile automatic payment service provided according to an embodiment of the present invention.
8 is a flowchart illustrating steps performed by a mobile device for a mobile automatic payment service provided according to an embodiment of the present invention.

Since the description of the present invention is merely an example for structural or functional description, the scope of the present invention should not be interpreted as being limited by the examples described in the text. That is, since the embodiments can be variously changed and have various forms, it should be understood that the scope of the present invention includes equivalents capable of realizing technical ideas. In addition, the purpose or effect presented in the present invention does not mean that a specific embodiment should include all of them or only such an effect, and the scope of the present invention should not be understood as being limited thereby.

Meanwhile, the meaning of terms described in the present application should be understood as follows.

Terms such as "first" and "second" are for distinguishing one component from other components, and the scope of rights should not be limited by these terms. For example, the first component may be referred to as the second component, and similarly, the second component may also be referred to as the first component.

Singular expressions are to be understood as including plural expressions unless the context clearly indicates otherwise, and terms such as "comprises" or "have" include the features, numbers, steps, actions, components, parts or the like implemented. It is to be understood that a combination is intended to indicate the existence and does not preclude the existence or addition possibility of one or more other features or numbers, steps, actions, components, parts or combinations thereof. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

In each step, the identification code (for example, a, b, c, etc.) is used for convenience of explanation. The identification code does not describe the order of each step, and each step is clearly specified in context. It may occur differently from the order specified unless is specified. That is, each step may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.

The present invention can be embodied as computer readable code on a computer readable recording medium, and the computer readable recording medium includes all types of recording devices in which data readable by a computer system is stored. . Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tapes, floppy disks, optical data storage devices, etc., and are also implemented in the form of carrier waves (for example, transmission over the Internet). It also includes. In addition, the computer-readable recording medium can be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

All terms used herein have the same meaning as generally understood by a person skilled in the art to which the present invention pertains, unless otherwise defined. The terms defined in the commonly used dictionary should be interpreted as being consistent with the meanings in the context of the related art, and cannot be interpreted as having ideal or excessively formal meanings unless explicitly defined in the present application.

1 is a system diagram of a mobile automatic payment system according to an embodiment of the present invention.

2 is a configuration diagram of a mobile device providing a mobile automatic payment method according to an embodiment of the present invention.

3 is a configuration diagram of a service server providing a mobile automatic payment method according to an embodiment of the present invention.

4 is a block diagram of a payment progress device providing a mobile automatic payment method according to an embodiment of the present invention.

1, the mobile automatic payment system according to an embodiment of the present invention includes a short-range communication 100, a mobile device 200, a service server 300, a payment processing device 400 and a financial company server 500 do.

The short-range communication 100 refers to short-range communication that can be utilized to perform a mobile automatic payment method according to an embodiment of the present invention. The short-range communication 100 may be one of Bluetooth communication, high-frequency communication, RFID communication, beacon communication, NFC communication, Wi-Fi, acoustic communication using a microphone and a speaker, and Cell-ID method (cell-based communication method of a communication company), It is not limited to this.

Various prior arts, such as the technology of International Patent Publication No. WO 2008/083910, are disclosed for the technology related to the short-range communication of the Cell-ID method. In the case of pico-cells and femto-cells, a local communication function may be provided to a region corresponding to a short-range, and a short-range communication environment to which the present invention can be applied may be provided.

In an embodiment of the present invention, two or more short-range communication methods may be used. The short-range communication of the first type may be a technology that transmits a signal that can be detected by the mobile device even when the short-range communication technology such as Bluetooth, NFC, and Wi-Fi of the mobile device is not activated. For example, the short-range communication technology of the first type may be a communication technology using Cell-ID, and an audio transmission technology using a speaker and a microphone. The second type short-range communication technology may be a technology that induces power consumption of a mobile device, such as Bluetooth, NFC, and Wi-Fi. In addition, the second type of short-range communication technology may be a standard communication technology having a protocol for determining the strength of a received signal such as Bluetooth, NFC, and Wi-Fi.

The short-range communication unit 270 of the mobile device 200 shown in FIG. 2 may be integrally included in the mobile device 200 described in detail below, or may be provided detachably.

4, the short-range communication unit 470 of the payment processing device 400 may be integrally included in the payment processing device 400 described in detail below, or may be provided detachably.

In one embodiment, the short-range communication unit 470 of the payment processing device 400 may include a cell-based communication device (picocell or femtocell) connected to the payment processing device 40.

In one embodiment, the short-range communication unit 470 of the payment processing device 400 may be a speaker connected to the payment processing device 40. The speaker may be for transmitting ultrasonic waves, for example.

The mobile device 200 is carried by a user during mobile automatic payment using a mobile automatic payment method according to an embodiment of the present invention, and is equipped with a communication function through a short-range communication and a communication company to become an authentication means for payment. Device. This may be a smart phone, a tablet PC, a mobile PC, and various wearable devices.

The communication through the communication company may mean wireless communication such as 3G, 4G, 5G, and LTE, and MAN communication using a wired network.

In order to perform a mobile automatic payment method according to an embodiment of the present invention, a mobile automatic payment program is installed in the mobile device 200, and a user is already a member of the mobile automatic payment program through the mobile device 200. You may be signed up and logged in automatically.

The mobile automatic payment program may be downloadable from the server distributing the program to the mobile device. The mobile automatic payment program may be designed to perform a predetermined function in cooperation with a service server and a payment processing device. A server automatic payment program corresponding to the mobile automatic payment program may be installed and operated in the service server.

The service server 300 may execute a service program that provides a mobile automatic payment service according to an embodiment of the present invention that can be used through the mobile automatic payment program. The user of the mobile automatic payment program may be registered as a member of the mobile automatic payment service, and may be automatically logged in to the service program through the mobile automatic payment program.

A user who is a member of the mobile automatic payment service is logged in to the mobile automatic payment program running on the mobile device 200, and is automatically logged in to the mobile automatic payment service through the mobile automatic payment program. Can be. In addition, the service server 300 may be connected to the mobile device 200 and the payment processing device 400 through wired or wireless communication. At this time, when the service server 300 is confirmed that the distance between the mobile device 200 and the payment processing device 400 does not exceed a specified specific distance, the mobile automatic payment executed on the mobile device 200 Payment may be performed between the program and the payment processing device 400. At this time, the cost to be paid according to the progress of the payment may be paid from a payment source previously set by the user for the mobile automatic payment service, for example, a designated withdrawal account or mileage point account.

The mobile automatic payment program may operate in a standby mode or an activation mode. The standby mode may be a mode for reducing power consumption for executing the mobile automatic payment program, and the activation mode may be a mode set to smoothly perform a function provided by the mobile automatic payment program.

Normally, the mobile automatic payment program operates in the standby mode, thereby reducing power consumption of the mobile device 200. When the mobile device 200 is close to the payment processing device 400, the mobile automatic payment program should be changed to the activation mode. A method of changing the mobile automatic payment program from the standby mode to the activation mode will be described in more detail below.

The mobile device 200 may be equipped with the mobile automatic payment program, and the payment processing device 400 may be equipped with a payment terminal automatic payment program corresponding to the mobile automatic payment program and the server automatic payment program. .

The mobile automatic payment program and the automatic payment terminal payment program may each generate and use an OTP.

The OTP generated in each of the mobile automatic payment program and the payment terminal automatic payment program is transmitted to the service server 300, and the service server 300 uses the OTP transmitted from the mobile device 200 to mobile device 200. To authenticate, the service server 300 may authenticate the payment progress device 400 using the OTP transmitted from the payment progress device 400. When the authentication is completed, the service server 300 may approve the payment request for the payment amount corresponding to the payment information provided by the payment progress device 400.

The OTP generated in the mobile automatic payment program can be transmitted by the mobile device 200 using short-range communication technology. The payment processing device 400 may detect a signal transmitted from the mobile device 200 and recognize the OTP generated in the mobile automatic payment program. Even if the short-range communication pairing between the payment processing device 400 and the mobile device 200 is not performed, the payment processing device 400 may recognize the OTP.

The OTP generated in the mobile automatic payment program is transmitted to the service server 300, and the service server 300 can transmit the OTP received from the mobile device 200 to the payment processing device 400 again.

The payment processing device 400 may determine whether the OTP obtained by analyzing the signal transmitted by the mobile device 200 through short-range communication is the same as the OTP transmitted from the service server 300.

The OTP generated in the payment terminal automatic payment program may be transmitted by the payment progress device 400 using short-range communication technology. The mobile device 200 may detect the signal transmitted from the payment processing device 400 and recognize the OTP generated by the payment terminal automatic payment program. The mobile device 200 may recognize the OTP even if the short-range communication pairing between the payment processing device 400 and the mobile device 200 is not performed.

The OTP generated in the payment terminal automatic payment program is transmitted to the service server 300, and the service server 300 can transmit the OTP received from the payment processing device 400 back to the mobile device 200.

The mobile device 200 may determine whether the OTP obtained by analyzing the signal transmitted by the payment processing device 400 by short-range communication is the same as the OTP transmitted from the service server 300.

The payment processing device 400 is equipped with a communication function through a short-range communication and a communication company, and when a user inputs user identification information for payment in an online and offline payment environment, the user manipulates the mobile device 200 at the payment site. It means a device that can pay without needing to.

In one embodiment, the user identification information may be directly input to the payment processing device 400 by the product purchaser using the mobile device 200. At this time, the user identification information may be a user's own identification information and authentication information, a secret ID. The user identification information is composed of numbers and/or texts that identify the mobile device 200, or has a legitimate right to perform payment using the mobile device 200 and the mobile automatic payment program. It can be the person's ID. The person's ID may be a person's name, nickname, or code. However, the specific format of the user identification number is not limited to that described herein. For example, when the mobile device 200 is a mobile phone and the user identification information is a mobile phone number, the product purchaser directly enters the mobile phone number of the mobile device 200 into the payment processing device 400 or a salesperson. You can ask for input.

In another embodiment, the user identification information may be input through additional help of the payment processing device 400. The payment processing device 400 may collect user identification information of one or more nearby mobile devices in a predetermined method, and then display one or more user identification information through a user interface (eg, a monitor). The purchaser of the product that wants to make payment communicates user identification information identifying his/her mobile device 200 among the one or more user identification information displayed with the user interface of the payment proceeding device 400 or the payment proceeding device 400. It can be selected through a user interface. In addition, the purchaser may additionally input user authentication information (eg, a password) through the user interface.

In another embodiment, a vehicle number recognition device may participate in the process of inputting the user identification information. To this end, the payment processing device 400 may be combined with a vehicle number recognition device.

In one embodiment, for example, when a product purchaser who wants to make a payment rides a vehicle and uses a store (eg, a gas station) having a plurality of vehicle entry lanes, the payment progress device 400 may include one or more nearby devices. After collecting the vehicle number of the vehicle, information related to the one or more vehicle numbers may be displayed through a user interface such as a monitor. In this case, each of the one or more vehicle numbers may be linked 1:1 with mobile device identification information for identifying a specific mobile device. And/or each of the one or more vehicle numbers may be associated with one or more user identification information identifying a user of the mobile device in a 1:N (N is a natural number). The payment processing device 40 may display the collected number of one or more vehicles, one or more of the mobile device identification information, and/or the one or more user identification information through a user interface such as a monitor. A product buyer who wants to pay can select any of the displayed information. In one scenario, the product buyer may first select one of a plurality of vehicle numbers or a plurality of mobile devices, and then select and input user identification information. In another scenario, the product purchaser may skip the process of selecting a vehicle number or mobile device, and immediately select and input user identification information. The buyer who inputs the user identification information may additionally input user authentication information such as a password.

In another embodiment, for example, when a product purchaser who wants to use a drive-through store that sequentially enters a store through one lane by boarding a vehicle, the payment progress device 400 is a vehicle number recognition device. After collecting the vehicle number of one vehicle that is closest to the mobile device and user identification information associated with the collected vehicle number, the mobile number may be automatically specified, and the mobile may be used by using the specified user identification information. It can provide automatic payment service. If a user using a mobile device linked to the single vehicle number has set a plurality of user identification information, the payment processing device 400 displays the plurality of user identification information on a screen to use one of them. It is possible to induce a user to select and input, and the mobile automatic payment service may be provided by using the user identification information selected and input.

Various information associated with the vehicle number may be stored in a storage device accessible by the service server 300 and a storage device accessible by the mobile automatic payment program installed in the mobile device 200. The payment processing device 400 may obtain mobile device identification information and/or user identification information associated with the selected vehicle number with the help of the service server 300. To this end, the user of the mobile device 200 or the mobile automatic payment program may need to provide the mobile automatic payment system with information to link the vehicle number and the user identification information to each other.

The payment processing device 400 is an offline store POS (Post Of Sale; POS), kiosk (KIOSK), smart phones and tablet PCs, wearable devices and various mobile communication devices, such as any device that can be performed offline payment function This may be the case.

The payment processing device 400 may be operated by a separate cashier, or may be operated without the help of a cashier.

In order to perform a mobile automatic payment method according to an embodiment of the present invention, a payment terminal automatic payment program is installed in the payment progress device 400, and the payment progress device 400 is provided with the payment terminal automatic payment program and/or You may have already signed up and automatically logged into the mobile automatic payment service.

The financial company server 500 refers to a server that determines whether payment is possible using user identification information and payment information brokered through the service server 300. Refers to servers of all companies that perform payment services, such as credit card companies, banks, Internet banks, and mobile carriers that provide micro payment services.

2 is a configuration diagram of a mobile device 200 that provides a mobile automatic payment method according to an embodiment of the present invention.

Referring to FIG. 2, the mobile device 200 according to an embodiment of the present invention includes a data transmission/reception unit 210, a first mobile OTP generation unit 230, and a distance calculation unit for transmitting and receiving data to and from the service server 300. 250) and a local area communication unit 270.

The mobile device 200 may generate a first mobile OTP in the first mobile OTP generation unit 230 by a mobile automatic payment program. The first mobile OTP is generated in synchronization with the first mobile-compatible OTP generation unit 3311 of the service server 300. Therefore, when the mobile device 200 transmits the generated first mobile OTP to the service server 300, the service server 300 can confirm the legitimacy of the mobile device 200 using the first mobile OTP. have.

The first mobile OTP generating unit 230 managed by the mobile automatic payment program may be configured to generate the same password at the same time as the first mobile-compatible OTP generating unit 3311 of the service server 300. .

The mobile automatic payment programs installed on different mobile devices 200 or different mobile devices 200 may have different mobile OTP generation units that output different passwords at the same time.

The service server 300 may include different mobile-compatible OTP generating units corresponding to the plurality of different mobile OTP generating units.

The distance calculating unit 250 may measure a first distance from the mobile device 200 to the settlement processing device 400 by short-range communication.

The short-range communication unit 270 may broadcast the name of the short-range communication unit of the mobile device 200, and detects the short-range communication signal transmitted by the payment processing device 400 to determine the short-range communication unit name of the payment processing device 400. Can be detected. Broadcasting the short-distance communication unit name of the mobile device 200 may be performed at the request of the service server. The short-range communication unit name of the payment processing device 400 may be provided to the mobile device 200 in advance by the service server 300.

3 is a configuration diagram of a service server 300 that provides a mobile automatic payment method according to an embodiment of the present invention.

Referring to FIG. 3, the service server 300 according to an embodiment of the present invention includes a data transmitting and receiving unit 310, an OTP-based mobile automatic payment DB 330, a legitimacy checking unit 350, a command unit 370, and a distance. It may include a determination unit 390, the payment availability check unit 395.

In the OTP-based mobile automatic payment DB 310, the user's OTP-based mobile automatic payment program subscription information, user identification information, payment log, identification information of the mobile device 200 matched for each user, or payment progress device 400 The identification information of the OTP generation unit 331 and OTP determination unit 333 may be included in synchronization with the OTP generated for each mobile device and payment processing device to generate the OTP.

The OTP generating unit 331 includes a plurality of mobile-compatible OTP generating units that operate independently in response to each of a plurality of mobile devices, and generates a plurality of payment terminal-compatible OTPs that operate independently in response to each of a plurality of payment processing devices. It can include wealth. 3, the first mobile-compatible OTP generating unit 3311 and the first payment terminal-compatible OTP generating unit 3312 are shown. The first mobile counterpart OTP generator 3311 may generate a first mobile counterpart OTP, and the first payment terminal counterpart OTP generator 3312 may generate a first payment terminal counterpart OTP.

The user identification information is set when the user signs up the mobile automatic payment program through the mobile device 200 or prior to the execution of the mobile automatic payment method according to the embodiment of the present invention, and means all information that can identify the user. Can be.

For example, it may be a character or a user's biometric information, such as a user's fingerprint, voice, or iris, which is created by combining some or all of numbers, letters, and special symbols, and may be a vehicle registration number.

The user identification information may be matched 1:1 with the user's mobile device, and the single automatic mobile payment program installed on a single mobile device or a single mobile device may include a plurality of user identification information.

The user identification information may vary depending on the payment source. The payment source may refer to an account or linked account from which product/service purchase costs are withdrawn. For example, the payment source may be a bank account, credit card account, check card account, and the like, but is not limited thereto. For example, the user identification information may be set differently for each of the user's first card, second card, or third card, so that the user can select a payment card to be paid according to the user identification information input to the payment processing device during payment. Can be.

For example, if you set the Samsung Card of Hong Gil-dong for 079203 and the Emart Card of Hong Gil-dong for 079202, Hong Gil-dong uses 0792 as his common identification information, and 03, 02 is used as identification of payment source to identify common identification information. When using a plurality of identification information combined with payment source identification information, each user identification information may be matched 1:1 with the payment source used by the user.

Accordingly, the user can select a payment card using different user identification information without removing the mobile device.

The service server 300 may receive the short-distance communication unit name and the distance calculation value detected by the mobile device 200 and the payment processing device 400 through the data transmission/reception unit 310.

The OTP generating unit 331 is synchronized with the OTP generating unit of the mobile device or payment processing device installed with the mobile automatic payment program to generate the OTP in the same manner. The OTP determination unit 333 determines whether the OTP received from the mobile device and the payment processing device is the same as the OTP generated by the OTP generation unit 331.

The validity check unit 350 compares the OTP generated by the OTP generation method of the payment processing device corresponding to the OTP-based mobile automatic payment DB from the identification information of the payment processing device and compares the OTP generated by the payment processing device. The validity of the payment processing device can be confirmed. In addition, the OTP-based mobile automatic payment DB may compare the OTP generated according to the OTP generation method of the mobile device corresponding to the OTP generated in the mobile device to verify the validity of the payment processing device.

The command unit 370 transmits the names of the short-range communication units to the mobile device and the payment processing device, and the short-range communication device activation command unit 371 that issues a short-range communication unit activation command to the mobile device. The broadcast command unit 373 for issuing a broadcast command of the short-range communication device name, and instructs the mobile device to calculate the first distance from the mobile device to the payment processing device and the second distance from the payment processing device to the mobile device. It may include a distance calculation command unit 375.

The distance determination unit 390 may determine whether the mobile device and the payment processing device are within a range capable of short-range communication from the distance received from the mobile device and the payment processing device.

In addition, it may further include a payment availability confirmation unit (399) to check whether the payment source is available through the financial services server.

4 is a block diagram of a payment progress device 400 providing an OTP-based mobile automatic payment method according to an embodiment of the present invention.

Referring to FIG. 4, the payment processing device 400 according to an embodiment of the present invention includes an input unit 405 to which user identification information is input, a data transmission/reception unit 410, an OPT generation unit 430, and a distance calculation unit 450. ) And a short-range communication unit 470.

The user may input user identification information through the input unit 405. The input unit 405 may be embedded in the payment processing device 400 or may be separately attached.

The payment processing device 400 may generate a first payment terminal OTP in the payment terminal OTP generating unit 430 by an automatic payment terminal payment program. Since the first payment terminal OTP is generated in synchronization with the first payment terminal corresponding OTP generation unit of the service server, the service server can use this to check the validity of the payment processing device 400.

The distance calculator 450 may measure a second distance from the payment processing device 400 to the mobile device 200 by short-range communication.

The short-range communication unit 470 may broadcast the short-range communication unit name of the payment processing device 400 from the service server, and detect the short-range communication signal transmitted by the mobile device to detect the short-range communication unit name of the mobile device. have. The payment processing device 400 may receive and store the short-distance communication unit name of the mobile device 200 in advance from the service server 300.

5A to 5C are flowcharts illustrating a mobile automatic payment method according to an embodiment of the present invention.

5A to 5C, messages exchanged between the devices 21, 22, 30, and 40 may include identification information of each device.

In the example shown in FIG. 5A, the first mobile device 21 is a mobile device possessed by a person who wishes to proceed with payment through the first payment processing device 40 using the mobile automatic payment method according to the embodiment of the present invention. Can be In addition, the second mobile device 22 may be a mobile device carried by a person who is in the vicinity of the first payment processing device 40 by chance, although there is currently no intention of payment of goods/services. Alternatively, the second mobile device 22 does not currently intend to pay for goods/services, but plans to proceed with payment through a payment processing device other than the first payment processing device 40, but only by chance the first payment processing device 40 It may be a mobile device carried by a person who has been in the vicinity of.

The first mobile device 21 may be executing the mobile automatic payment program provided to execute the mobile automatic payment method according to an embodiment of the present invention in step S210 in the standby mode. The device identifier of the first mobile device 21 may be ID-M1.

The second mobile device 22 waits for a mobile automatic payment program (that is, a payment app for a first payment method) provided to execute the mobile automatic payment method according to an embodiment of the present invention in step S510. It may be running in mode. The device identifier of the second mobile device 22 may be ID-M2.

The first payment processing device 40 may be executing a payment terminal automatic payment program provided to execute the mobile automatic payment method according to an embodiment of the present invention. The device identifier of the first payment proceeding device 40 may be ID-P1.

In step S410, the first payment proceeding device 40 receives a user input indicating a willingness to make a payment using the mobile automatic payment method (mobile-based first payment method) according to an embodiment of the present invention. Can be.

The first payment processing device 40 may activate a communication function for wired/wireless communication with the service server 30 in step S411.

The first payment proceeding device 40 is a message informing the completion of payment preparation according to the mobile automatic payment method according to an embodiment of the present invention in step S412, and a short-distance communication unit name of the first payment proceeding device 40 Can be delivered to the service server 30.

In a modified embodiment, the short-distance communication unit name of the first payment proceeding device 40 to the service server 30 may be performed at any time before step S342, which will be described later.

The first payment progress device 40 may broadcast a first signal including identification information for identifying the first payment progress device 40 in step S420 using short-range communication.

Broadcasting of the first signal may be performed by short-range communication technology.

The first mobile device 21 may detect the first signal in step S220.

In one embodiment of the present invention, the detection of the first signal is made even when a specific type of short-range communication unit (for example, the short-range communication unit for short-range communication described above) of the first mobile device 21 is not activated. Can be.

As an example, if the cell-based communication function provided in the first mobile device 21 is activated, and the cell-based communication device (picocell or femtocell, etc.) connected to the payment processing device 40 for the first signal If it is transmitted through, even if the short-range communication function using Bluetooth, NFC, Wi-Fi, and sound (high frequency) is not activated in the first mobile device 21, the first mobile device 21 has a specific cell-ID. When detecting, the mobile automatic payment program (application) for the mobile automatic payment service may be activated.

As another example, even when the short-range communication function using Bluetooth, NFC, and Wi-Fi is not activated in the first mobile device 21, the microphone input installed in the first mobile device 21 may be activated. The microphone input may or may not be considered as a short range communication function depending on the viewpoint. Therefore, even when the short-range communication function of the first mobile device 21 is not activated, if the first payment processing device 40 transmits the first signal using an acoustic signal, the first signal transmitted is removed. 1 The mobile device 21 may be recognized, and if the first mobile device 21 detects a specific pattern from the first signal, the mobile automatic payment program (application) for the mobile automatic payment service can be activated. have.

The second mobile device 22 may detect the first signal in step S520.

The detection of the first signal may be performed even when the second mobile device 22 also does not activate a specific type of short-range communication unit (for example, the short-range communication unit for the second type of short-range communication described above).

The first mobile device 21 may switch the payment terminal automatic payment program executed in the first mobile device 21 to an activation mode in step S221.

The second mobile device 22 may switch the payment terminal automatic payment program executed in the second mobile device 22 to an activation mode in step S521.

The first mobile device 21 is a message in step S230 indicating that the payment preparation of the first mobile device 21 is completed, the short-range communication unit name of the first mobile device 21, and the device that has transmitted the first signal The identification information (ID-P1) of the first payment processing device 40 may be transmitted to the service server 30.

In a modified embodiment, passing the short-range communication unit name of the first mobile device 21 to the service server 30 may be performed at any time before step S341, which will be described later, is performed.

In step S530, the second mobile device 22 is a message informing that the payment preparation of the second mobile device 22 is completed, the short-range communication unit name of the second mobile device 22, and the device that has transmitted the first signal. The identification information (ID-P1) of the first payment processing device 40 may be transmitted to the service server 30.

In step S310, the service server 30 may generate a payment preparation event between the first payment proceeding device 40 and the first mobile device 21.

In step S320, the service server 30 may generate a payment preparation event between the first payment processing device 40 and the second mobile device 22.

The service server 30 provides first user identification information including one or more user identification information registered for a person logged into the mobile automatic payment service through the first mobile device 21 in step S311. 1 can be provided to the payment processing device 40.

The content included in the user identification information may vary depending on the source of payment. That is, the user identification information may include information about the payment source. In the present specification, the payment source may refer to an account or linked account from which a product/service purchase cost is withdrawn. For example, the payment source may be a bank account, a credit card account, and a check card account, but is not limited thereto. For example, the user identification information may be set differently for each user's first card, second card, or third card, so that the user can select a payment card to be paid according to the user identification information input to the payment processing device during payment. Can.

In one embodiment of the present invention, the user identification information may be defined as a combination of information for identifying the user device (for example, a phone number) with information for specifying a withdrawal account. For example, the first user identification information may include “010296xxxxx-BC card-1544xxxxxxxxxxxx”. This is an example that follows the format of "phone number-card brand name-card number".

Alternatively, in one embodiment of the present invention, the user identification information may be defined as combining information identifying a withdrawal account and information identifying a person using the user device. For example, the first user identification information may include “Hong Gil-dong-BC card-1544xxxxxxxxxxxx”. This is an example that follows the format of "name-card brand name-card number".

The specific configuration of the first user identification information is not limited to the above-described matters. That is, the first user identification information may have any form if it includes information specifying a user or a user device that is a subject of payment and/or information specifying a payment account to which a payment is to be withdrawn.

The service server 30 provides second user identification information including one or more user identification information registered for a person who is logged in to the mobile automatic payment service through the second mobile device 22 in step S321. 1 can be provided to the payment processing device 40.

The first payment processing device 40 may display the first user identification information and the second user identification information in step S430. The expression may be achieved through a screen, for example. The first user identification information may vary depending on the payment source as described above. For example, if the payment method possessed by the product/service consumer who wants to pay for the product using the first mobile device 21 is the first card, the second card, and the first bank account, the number of the first card and the second card The number of, and the number of the first bank account can be displayed through the screen. In addition, if the payment method possessed by the product/service consumer who wishes to pay for the product using the second mobile device 22 is the 21st card, the 22nd card, and the 21st bank account, the 21st card number, the 22nd The number of the card and the number of the 21st bank account can be displayed through the screen.

The first payment progress device 40 may receive a user input for selecting any one of the first user identification information and the second user identification information in step S431. For example, the holder of the first mobile device 21 has six pieces of information displayed on the screen, that is, the number of the first card, the number of the second card, and the number of the first bank account and the number of the 21 card. It is possible to provide a user input to select the number of the first card owned by the number of the 22 card and the number of the 21st bank account.

In one embodiment, the first payment processing device 40 may further display information that helps the holder of the first mobile device 21 to easily select the displayed user identification information. For example, it can be assumed that both the first card owned by the holder of the first mobile device 21 and the 21 card owned by the holder of the second mobile device 22 are BC cards. At this time, even if the card holders memorize the brand name of the card they own, they may not be memorizing all the specific card numbers. In this case, the holder of the first mobile device 21 may be confused as to which of the first card and the 21st card should be selected.

Therefore, in one embodiment, before the first payment proceeding device 40 displays the six withdrawal account information (payment account information), the information identifying the first mobile device 21 and the second mobile device Information identifying (22) may first be displayed on the screen. For example, the first device identification information registered when the holder of the first mobile device 21 subscribes to the mobile automatic payment service and the holder of the second mobile device 22 registered when registering the mobile automatic payment service The identification information of the second device classification may be first displayed on the screen. For example, the first device identification information is the first mobile device 21 itself or the first mobile device 21, such as a person's name, a person's resident registration number, a corporation's name, a corporation's corporate registration number, an alias, and a telephone number. It may be information that can identify the person using the possession. The second device identification information may also be configured in the same manner as the first device identification information.

Alternatively, in another embodiment, when the first withdrawal account information 40 displays the six withdrawal account information (= payment account information), the first device identification information and the second device identification information, Among the six user identification information, it may be combined with corresponding user identification information and displayed on the screen. For example, "Hong Gil-dong-BC card-5144xxxxxxxxxxxx", "Honggil-dong-Hana card-5166xxxxxxxxxxxx", "Lim Kil-jung-BC card-5144xxxxxxxxxxxx" can be displayed. In this way, the holder of the first mobile device 21 can select the user identification information he/she wants in step S431 without error.

The first payment processing device 40 may receive a user input regarding secret information in step S432.

The confidential information may include a financial password of the payment account specified by the user identification information.

Alternatively, the confidential information may include a payment source password (= user password) that is set independently of the financial password of the payment account specified by the user identification information. The payment source password may be set to correspond to the selected user identification information when a user of the first mobile device subscribes to the mobile automatic payment service. At this time, the selected user identification information and the payment source password may be stored in a storage device accessed by a service server in association with each other.

Alternatively, the confidential information may include both the financial password and the payment source password.

The first payment proceeding device 40 may transmit the user identification information and the secret information selected and input in step S431 in step S433 to the service server 30.

The service server 30 may check whether the user identification information received in step S433 and the secret information match in step S330. To this end, the users of the first mobile device 21 and the second mobile device 22 may have independently set and matched the secret information for each user identification information designated by the user when signing up for the mobile automatic payment service. In addition, the matched information may be stored in the first payment processing device 40.

In the case where the confidential information includes the financial password, if the financial password is something that the service server other than the financial company server should not know, the financial password is set so that it cannot be decrypted by the service server, and the financial password is set. May be transmitted to the financial institution server through a service server. In this case, step S330 may be omitted.

If the secret information includes the payment source password (= user password), step S330 may be executed.

In the process of performing steps S433 and S330, the service server 30 is the first mobile that activates the mobile automatic payment program because of the first information broadcast by the first payment processing device 40. It is found that, among the device 21 and the second mobile device 22, the second user identification information related to the second mobile device 22 is not selected. Accordingly, the service server 30 may transmit to the second mobile device 22 the fact that the second user identification information related to the second mobile device 22 is not selected (matching failure guidance) in step S331. At this time, the matching failure guide may inform together which of the plurality of payment progress devices has failed matching.

The second mobile device 22, in step S540, upon receiving the matching failure guide in step S331, deactivates the mobile automatic payment program of the second mobile device 22 after a certain period of time to wait for the match. You are returned to the mode. Here, the reason for waiting for a certain period of time is that the second mobile device 22 is not the first payment progress device 40 but the mobile payment through the other second payment progress device next to the first payment progress device 40. This is because you may try to make payments depending on the payment method. In this case, the mobile automatic payment program of the second mobile device 22 should not be deactivated just because the matching failure guide was received in step S331.

Alternatively, the condition in which the second mobile device 22 deactivates the mobile automatic payment program may be designed in another way. For example, if the second mobile device 22 receives a broadcast signal including identification information of each payment processing device from two different payment processing devices, the second mobile device 22 is a service server 30 It may receive information on whether or not the payment proceeds between any one payment processing device and the second mobile device 22, or matching failure guidance messages for each of the two payment processing devices. At this time, it is possible to deactivate the mobile automatic payment program only when the second mobile device 22 receives both matching failure guidance messages for each of the two payment processing devices from the service server 30. In this case, it may not be necessary to wait for the predetermined time presented in step S540.

Now it will be described with reference to Figure 5b.

In step S340, the service server 30 may generate the OTP-M1 using the first mobile-compatible OTP generation unit 3311, and generate the OTP-P1 using the first payment terminal-response OTP generation unit. .

In step S341, the service server 30 generates the OTP using the first payment terminal OTP generator by the generated OTP-M1 and the first payment progress device 40 to the first payment progress device 40. And the message requesting to broadcast the generated OTP, the short-distance communication unit name of the first mobile device 21, and the first payment progress device 40 and the first mobile measured by the first payment progress device 40. A message requesting distance information between the devices 21 may be transmitted.

In step S342, the service server 30 generates the OTP using the first mobile OTP generator by the generated OTP-P1 and the first mobile device 21 to the first mobile device 21. A message requesting to broadcast the OTP, the name of the short-range communication unit of the first payment progress device 40, the first mobile device 21 and the first payment progress device 40 measured by the first payment progress device 40 ), and a command to activate the short-range communication unit of the first mobile device 21.

The first mobile device 21 may activate its short-range communication unit in step S240. On the other hand, if the short-range communication unit of the first mobile device 21 is already activated for another reason, the activated state may be forcibly maintained.

In step S250, the first mobile device 21 generates the OTP-M1' using the first mobile OTP generator, and broadcasts the first M signal including the generated OTP-M1' using the short-range communication unit. Can cast.

In step S440, the first payment proceeding device 40 generates the OTP-P1' using the first payment terminal OTP generating unit, and uses the short-range communication unit to use the first P signal including the generated OTP-P1'. Broadcasting.

In step S251, the first mobile device 21 detects the broadcasted 1P signal, and uses the strength of the detected 1P signal to generate the first mobile device 21 and the first payment processing device ( 40) The first distance, which is the distance between, can be calculated.

In step S441, the first payment progress device 40 detects the broadcasted 1M signal, and uses the detected intensity of the first M signal to perform the first payment progress device 40 and the first mobile device. (21) The second distance, which is the distance between, can be calculated.

In step S252, the first mobile device 21 includes information on the first distance, OTP-M1' generated by the first mobile device 21, and the first P received by the first mobile device 21. One or more of the OTP-P1' included in the signal may be transmitted to the service server 30. The transmission of such information may be performed only when the OTP-P1 received from the service server 30 is the same as the OTP-P1' included in the detected 1P signal. Here, the information on the first distance may be a value indicating the calculated first distance or a value indicating the strength of the first P signal detected by the first mobile device 21.

In step S442, the first payment advancing device 40 receives information regarding the second distance, the OTP-P1' generated by the first payment advancing device 40, and the first payment advancing device 40. One or more of the OTP-M1' included in the 1M signal may be transmitted to the service server 30. The transmission of such information may be performed only when the OTP-M1 received from the service server 30 is the same as the OTP-M1' included in the detected 1M signal. Here, the information on the second distance may be a value indicating the calculated second distance or a value indicating the intensity of the first M signal detected by the first payment processing device 40.

In addition, the first payment processing device 40 may further transmit the payment information to the service server 30 in step S442. The payment information may include, for example, the total cost of the product/service to be paid, whether the total cost is to be installed, and the number of installment months of the total cost. Or it may include a partial cost of the total cost of the product / service to be paid, whether or not to install the partial cost, and the number of installment months of the partial cost.

The payment information may be transmitted to the service server 30 in step S442, but may be transmitted to the service server 30 at any time even if there is an opportunity even before step S442.

In step S350, the service server 30 may perform a payment process corresponding to the payment information only when both the first distance and the second distance satisfy a predetermined condition. For example, even if a short-range communication signal is detected between the first mobile device 21 and the first payment progress device 40, if the strength is too weak, the first mobile device 21 and the first payment progress device 40 are substantially It may not be located close enough to perform the payment. Alternatively, even if a short-range communication signal is detected between the first mobile device 21 and the first payment proceeding device 40, if the strength is too weak, an error may occur while performing the mobile automatic payment method according to an embodiment of the present invention. Can be. Accordingly, when it is determined that the first distance and the second distance are equal to or less than a predetermined distance, that is, the short-range communication signals detected by the first mobile device 21 and the first payment progress device 40 are found to be greater than or equal to a certain intensity. Only when the payment process corresponding to the payment information can proceed.

In addition, in step S350, the service server 30 includes the OTP-P1' and OPT-M1' collected through the first mobile device 21 and the first payment processing device 40, respectively. The payment process corresponding to the payment information can be performed only in the same cases as the generated OTP-P1 and OPT-M1. That is, the integrity of the first payment processing device 40 is authenticated only when OTP-P1' and OTP-P1 are the same, and only when the OTP-M1' and OTP-M1 are the same as the first mobile device 21 The integrity of can be authenticated.

Now it will be described with reference to Figure 5c.

The service server 30, in step (S360), a message querying the financial institution server 500 whether payment is possible with respect to the payment information using the payment account included in the selected user identification information received in step S433 Can send. At this time, the service server 30 may transmit information regarding the payment account and the confidential information received in step S433 to the financial company server 500 together. In particular, as included in the confidential information, the financial password of the payment account specified by the user identification information may be transmitted.

In step S610, the financial institution server 500 may check whether the payment is possible and transmit it to the service server 30. For example, the financial institution server 500 may determine that payment is impossible if the balance of the payment account is smaller than the payment request amount included in the payment information. Alternatively, the financial institution server 500 may determine that payment is impossible if the account password or payment password included in the confidential information does not match the payment account.

When the service server 30 transmits a message indicating that payment is possible from the financial institution server 500, it may perform a predetermined subsequent payment process to complete payment.

In step S370, the service server 30 may transmit a message indicating that payment has been completed to the first mobile device 21.

In step S371, the service server 30 may transmit a message indicating that payment has been completed to the first payment processing device 40.

The first mobile device 21 may deactivate the mobile automatic payment program in step S261.

In one embodiment of the present invention, the first signal broadcast in step S420 may be using the first type of short-range communication technology. In addition, the broadcast signals transmitted in steps S240, S250, and S440 may use the second type of short-range communication technology.

Alternatively, in another embodiment of the present invention, the first mobile device 21 may have already activated the short-range communication unit for the second type short-range communication before step S420. In this case, when the first mobile device 21 activates the short-range communication unit for short-range communication of the second type due to another cause, or when it is activated by the user's setting of the other first mobile device 21 Can be. In this case, step S240 may be omitted. In addition, the first signal broadcast in step S420 may be using the second type short-range communication technology.

6 is a flowchart illustrating steps performed by a payment processing device for a mobile automatic payment service provided according to an embodiment of the present invention.

In step (S10), the payment processing device may broadcast the first signal using short-range communication.

In step S11, the payment processing device may transmit one user identification information and confidential information input through the user interface of the payment processing device to the service server.

In step S12, the payment processing device, the short-distance communication unit name of the first mobile device provided to the service server by the first mobile device detecting the first signal, and the first mobile-compatible OTP generated by the service server Can be received from the service server.

In step S13, the payment processing device detects the first M signal broadcast by the first mobile device based on the short-distance communication unit name of the first mobile device, and makes the payment based on the first M signal. It is possible to generate information on a first distance between the progress device and the first mobile device and transmit payment information including the information on the first distance and the payment amount to the service server.

7 is a flowchart illustrating steps performed by a service server for a mobile automatic payment service provided according to an embodiment of the present invention.

In step S20, the service server may receive one user identification information from the payment processing device broadcasting the first signal using short-range communication.

In step S21, the service server transmits the short-range communication unit name of the payment processing device received from the payment processing device to a first user device, and receives the first signal from the first mobile device detecting the first signal. The short-range communication unit name of the first mobile device may be transmitted to the payment processing device.

In step (S22), the service server receives information on the second distance between the first mobile device and the payment processing device from the first mobile device, and is provided between the payment processing device and the first mobile device. Information on one distance may be received from the payment processing device.

In step S23, when it is determined that the first mobile device and the payment processing device are within a predetermined distance from each other based on the information on the first distance and the second distance, and the one user identification information is When associated with the first mobile device, a payment process identified by the one user identification information and a payment process in which the payment processing device participates may be performed.

8 is a flowchart illustrating steps performed by a mobile device for a mobile automatic payment service provided according to an embodiment of the present invention.

In step S30, the first mobile device may receive a first signal including identification information identifying the payment progressing device as broadcast by the payment processing device using short-range communication.

In step S31, the first mobile device provides identification information for identifying the payment processing device to a service server, and the short-distance communication unit name of the payment processing device from the service server and the first payment generated by the service server A terminal-compatible OTP can be received.

In step S32, the first mobile device detects a first P signal broadcast by the payment processing device using short-range communication based on the short-distance communication unit name of the payment processing device, and based on the first P signal. Information regarding a second distance between the first mobile device and the payment processing device may be generated and transmitted to the service server.

The above-described mobile device, service server, and payment processing device may include processing units not illustrated in FIGS. 2, 3, and 4, respectively. The processing units included in the mobile device 200, the service server 300, and the payment processing device 40 are respectively executed by the mobile device 200, the service server 300, and the payment processing device 40, respectively. As a step, it may be arranged to execute any of the steps described so far. Each of the above-described mobile device, service server, and payment processing device may include a non-volatile storage device in which a program including instruction codes that must be loaded and executed in order to execute the above-described steps is recorded. The non-volatile storage device can be accessed by the processing unit.

By using the above-described embodiments of the present invention, those who belong to the technical field of the present invention will be able to easily implement various changes and modifications without departing from the essential characteristics of the present invention. The contents of each claim in the claims may be combined with other claims without citation within the scope understood through the present specification.

21: first mobile device
22: Second mobile device
30: service server
40: payment processing device
100: short-range communication
200: mobile device
210, 310, 410: Data transmission/reception unit
230, 430: OTP generation unit
250, 450: Distance calculation unit
270, 470: Near Field Communication
300: service server
330: OTP-based mobile automatic payment DB
350: legitimacy check
370: Command
390: street judgment unit
395: Check whether payment is possible
400: payment processing device
405: input
500: financial company server

Claims (23)

The payment progress device, broadcasting the first signal using a short-range communication;
Transmitting, by the payment processing device, one user identification information to a service server;
Receiving, by the payment server, the short-distance communication unit name of the first mobile device provided by the first mobile device to the service server from the service server; And
The payment processing device detects the first M signal broadcast by using the short-range communication by the first mobile device based on the short-distance communication unit name of the first mobile device, and proceeds with the payment based on the first M signal. Generating information on a first distance between a device and the first mobile device and transmitting the information to the service server;
It includes,
When the service server determines that the payment processing device and the first mobile device are within a predetermined distance from each other based on the information on the first distance, and the one user identification information is the first mobile device When related, the payment source identified by the one piece of user identification information and the payment process in which the payment processing device participates are performed,
Mobile automatic payment method. According to claim 1,
The step of transmitting the one piece of user identification information to the service server includes the step of the payment processing device transmitting the secret information received through the user interface of the payment processing device to the service server,
The payment process is performed only when the secret information and the one user identification information match each other,
Performing the match is executed by the service server or by a financial institution server that receives payment information contained in the one piece of user identification information and the secret information from the service server,
Mobile automatic payment method. According to claim 1,
The step of receiving the name of the short-range communication unit of the first mobile device from the service server includes: the payment processing device receiving the first mobile-compatible OTP generated by the service server from the service server,
The first M signal includes a first mobile OTP generated by the first mobile device,
The step of transmitting information regarding the first distance is executed when the first mobile-compatible OTP and the first mobile OTP are identical to each other.
Mobile automatic payment method. According to claim 1,
The first signal includes identification information for identifying the payment processing device,
The first mobile device is configured to provide identification information identifying the payment processing device to the service server,
The service server is configured to identify the payment processing device based on identification information identifying the payment processing device, and provide the short-range communication unit name to the payment processing device.
Mobile automatic payment method. According to claim 1,
The step of transmitting the user identification information to the service server,
The payment processing device, obtaining one or more user identification information from the first mobile device or the service server; And
Outputting the one or more user identification information by the payment processing device;
It includes,
The one piece of user identification information is selected from the output one or more pieces of user identification information through the user interface of the payment processing device,
Mobile automatic payment method. According to claim 1,
The step of generating information on the first distance and transmitting the information to the service server includes the step of the payment processing device transmitting the payment information including the payment amount to the service server,
The one user identification information includes information to identify the payment account,
The payment source identified by the one user identification information is the payment account,
The payment process is a financial process that processes the payment amount to be paid from the payment source,
Mobile automatic payment method. The method of claim 1, wherein the method of short-range communication used to transmit the first signal is different from the method of short-range communication used to transmit the first M signal. Receiving, by the service server, one user identification information from the payment processing device broadcasting the first signal using short-range communication;
Transmitting, by the service server, a short-range communication unit name of the payment processing device received from the payment processing device to a first mobile device;
Receiving, by the service server, information regarding a second distance between the first mobile device and the payment processing device from the first mobile device; And
When the service server determines that the first mobile device and the payment processing device are within a predetermined distance from each other based on the information on the second distance, and the one user identification information is the first mobile device Performing a payment process in which the payment source identified by the one user identification information and the payment processing device participate in the case of being associated with;
It includes,
The first mobile device is configured to detect the first P signal broadcast by the payment processing device using short-range communication based on the short-distance communication unit name of the payment processing device, and based on the first P signal. To generate information about the distance
Mobile automatic payment method. 9. The method of claim 8, wherein the method of short-range communication used to transmit the first signal is different from the method of short-range communication used to transmit the first P signal. Receiving, by the service server, one user identification information from the payment processing device broadcasting the first signal using short-range communication;
Transmitting, by the service server, the short-distance communication unit name of the first mobile device received from the first mobile device detecting the first signal to the payment processing device;
Receiving, by the service server, information regarding a first distance between the payment processing device and the first mobile device from the payment processing device; And
When the service server determines that the payment processing device and the first mobile device are within a predetermined distance from each other based on the information on the first distance, and the one user identification information is the first mobile device Performing a payment process in which the payment source identified by the one user identification information and the payment processing device participate in the case of being associated with;
It includes,
The payment processing device is configured to detect the first M signal broadcast by the first mobile device using short-range communication based on the short-distance communication unit name of the first mobile device, and based on the first M signal. It is supposed to generate information about 1st distance
Mobile automatic payment method. The method of claim 10,
Before the step of receiving information on the first distance,
The service server, further comprising the step of transmitting a command to the first mobile device to perform the broadcast broadcasting using short-range communication,
Mobile automatic payment method. The method of claim 10,
The step of transmitting the name of the short-range communication unit of the first mobile device to the payment processing device includes the step of generating, by the service server, a first mobile-compatible OTP and transmitting the payment to the payment processing device.
Before the step of performing the payment process, the service server further includes receiving a first mobile OTP generated by the first mobile device from one or more of the payment processing device and the first mobile device,
The first mobile device is authenticated only when the first mobile OTP and the first mobile-compatible OTP are identical to each other,
The payment process is executed only when the first mobile device is authenticated,
Mobile automatic payment method. The method of claim 10,
After the step of receiving the one piece of user identification information and before the step of performing the payment process, the service server generates a first payment terminal response OTP and transmits it to the first mobile device; And
After the step of receiving the one piece of user identification information and before the step of performing the payment process, the service server generates the payment progress device from one or more of the payment progress device and the first mobile device. Step 1 to receive the payment terminal OTP
Further comprising,
The payment processing device is authenticated only when the first payment terminal OTP and the first payment terminal correspondence OTP are the same.
The payment process is executed only when the payment processing device is authenticated,
Mobile automatic payment method. The method of claim 10,
The first signal includes identification information for identifying the payment processing device,
The first mobile device is configured to provide identification information identifying the payment processing device to the service server,
The service server is configured to provide the payment processing device with a short-distance communication unit name of the first mobile device by specifying the payment processing device based on identification information identifying the payment processing device,
Mobile automatic payment method. The method of claim 10,
The payment processing device is configured to acquire one or more user identification information from the first mobile device or the service server, and
The one piece of user identification information is one selected from the one or more user identification information output by the payment processing device through the user interface of the payment processing device,
Mobile automatic payment method. The method of claim 10,
The step of receiving information on the first distance from the payment proceeding device includes the step of the service server receiving payment information including a payment amount from the payment proceeding device,
The one user identification information includes information to identify the payment account,
The payment source identified by the one user identification information is the payment account,
The payment process is a financial process that processes the payment amount to be paid from the payment source,
Mobile automatic payment method. Receiving, by the first mobile device, a first signal including identification information identifying the payment progressing device as broadcast by the payment processing device using short-range communication;
Providing, by the first mobile device, identification information identifying the payment processing device to a service server, receiving a short-range communication unit name of the payment processing device from the service server; And
The first mobile device detects a 1P signal broadcast by the payment progress device using short-range communication based on the short-distance communication unit name of the payment progress device, and the first mobile device based on the first P signal. Generating and transmitting information on a second distance between the payment processing device and the service server;
Including,
The payment processing device is configured to provide one user identification information to the service server,
The service server is configured to request the broadcast using short-range communication to the payment progress device by specifying the payment progress device based on identification information identifying the payment progress device provided by the first mobile device. The 1P signal is transmitted by the payment processing device according to the broadcast request,
When the service server determines that the first mobile device and the payment processing device are within a predetermined distance from each other based on the information on the second distance, and the one user identification information is the first mobile device and When related, the payment source identified by the one piece of user identification information and the payment process in which the payment processing device participates are performed,
Mobile automatic payment method. The method of claim 17,
The step of receiving the short-distance communication unit name of the payment processing device from the service server includes the step of the first mobile device receiving the first payment terminal correspondence OTP generated by the service server from the service server,
The first P signal includes a first payment terminal OTP generated by the payment processing device,
The step of transmitting the information on the second distance to the service server is executed only when the first payment terminal OTP and the first payment terminal correspondence OTP are the same.
Mobile automatic payment method. The method of claim 17,
Generating a first mobile OTP after the step of receiving the short-distance communication unit name of the payment processing device and before generating and transmitting the information on the second distance to the service server. It includes,
The service server is configured to acquire the first mobile OTP,
The service server is configured to authenticate the first mobile device when the first mobile-compatible OTP generated by the service server is the same as the first mobile OTP.
Mobile automatic payment method. It includes a short-range communication unit, a data transmission and reception unit, and a processing unit,
The processing unit,
Broadcasting a first signal using short-range communication using the short-range communication unit;
Transmitting one user identification information to a service server using the data transmitting and receiving unit;
Receiving, by the service server, the name of the short-range communication unit of the first mobile device provided to the service server by the first mobile device detecting the first signal using the data transmission and reception unit; And
Using the data transmission/reception unit, the first M signal broadcast by using the short-range communication by the first mobile device is detected based on the name of the short-range communication unit of the first mobile device, and payment proceeds based on the first M signal Generating information on a first distance between a device and the first mobile device and transmitting the information to the service server;
Is supposed to run
When the service server determines that the payment processing device and the first mobile device are within a predetermined distance from each other based on the information on the first distance, and the one user identification information is the first mobile device When related, characterized in that the payment source identified by the one user identification information and the payment process in which the payment processing device participates is performed,
Payment progress device. It includes a data transmitting and receiving unit, and a processing unit,
The processing unit,
Receiving one user identification information from the payment processing device broadcasting the first signal using short-range communication using the data transmission and reception unit;
Transmitting a name of a short-range communication unit of the payment processing device received from the payment processing device to a first mobile device using the data transmission/reception unit;
Receiving, from the first mobile device, information on a second distance between the first mobile device and the payment processing device using the data transmitting and receiving unit; And
When it is determined that the first mobile device and the payment processing device are within a predetermined distance from each other based on the information on the second distance, and when the one user identification information is associated with the first mobile device In, performing a payment process in which the payment source identified by the one user identification information and the payment progress device participate;
Is supposed to run
The first mobile device is configured to detect the first P signal broadcast by the payment processing device using short-range communication based on the short-distance communication unit name of the payment processing device, and based on the first P signal. Characterized in that it is configured to generate information about the distance,
Service server. It includes a data transmitting and receiving unit, and a processing unit,
The processing unit,
Receiving one user identification information from the payment processing device broadcasting the first signal using short-range communication using the data transmission and reception unit;
Transmitting the short-distance communication unit name of the first mobile device received from the first mobile device that has detected the first signal to the payment processing device using the data transmitting and receiving unit;
Receiving information about a first distance between the payment processing device and the first mobile device from the payment processing device by using the data transmission and reception unit; And
When it is determined that the payment processing device and the first mobile device are within a predetermined distance from each other based on the information on the first distance, and when the one user identification information is associated with the first mobile device In, performing a payment process in which the payment source identified by the one user identification information and the payment progress device participate;
Is supposed to run
The payment processing device is configured to detect the first M signal broadcast by the first mobile device using short-range communication based on the short-distance communication unit name of the first mobile device, and based on the first M signal. Characterized in that it is configured to generate information about a distance,
Service server. It includes a data transmitting and receiving unit, a local area communication unit, a signal detection unit, and a processing unit,
The processing unit,
Receiving a first signal including identification information identifying the payment progressing device as broadcast by the payment processing device using short-range communication using the short-range communication unit or the signal detection unit;
Using the data transmitting and receiving unit, providing identification information identifying the payment processing device to a service server, and receiving a short-range communication unit name of the payment processing device from the service server; And
Using the data transmission/reception unit, the payment progress device detects a 1P signal broadcast by using short-range communication based on the short-range communication unit name of the payment progress device, and based on the 1P signal, a first mobile device and Generating information on a second distance between the payment processing devices and transmitting the information to the service server;
Is supposed to run
The payment processing device is configured to provide one user identification information to the service server,
The service server is configured to request the broadcast using short-range communication to the payment progress device by specifying the payment progress device based on identification information identifying the payment progress device provided by the first mobile device. The 1P signal is transmitted by the payment processing device according to the broadcast request, and
When the service server determines that the first mobile device and the payment processing device are within a predetermined distance from each other based on the information on the second distance, and the one user identification information is the first mobile device and When related, characterized in that the payment source identified by the one user identification information and the payment process in which the payment processing device participates is performed,
Mobile devices.

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