UWB payment system and operation method of implementing payment process using distance and angle

Abstract

To provide a technique for implementing a payment process by verifying a distance and an angle between a user terminal device and a payment terminal device, when receiving a connection identifier and a payment key from a server for proceeding the payment process.SOLUTION: An operation method of an ultra-wideband (UWB) payment system may include the steps of: receiving, by a server, a request to start a UWB process, from a payment terminal device and a user terminal device; in response to the received start request, generating, by the server, a UWB connection ID and UWB payment key; and providing the generated UWB connection ID to the payment terminal device and the user terminal device, and providing the UWB payment key only to the user terminal device, to proceed with the UWB payment process.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The present invention relates to a technology for carrying out a payment process when a connection identifier and a payment key are received from a server, and for implementing the payment process by verifying the distance and angle from a user terminal to a payment terminal. [Background technology]

[0002] The use of wireless communication systems is rapidly increasing, and wireless communication technology has evolved from voice-only communication to include the transmission of data such as internet and multimedia content.

[0003] Mobile electronic devices can take the form of smartphones or tablets that are typically carried by users. Wearable devices (also called accessory devices) are a newer form of mobile electronic device, one example of which is the smartwatch. In addition, low-cost, low-complexity wireless devices intended for stationary or nomadic deployments are also becoming more prevalent as part of the developing "Internet of Things." In other words, the complexity, capabilities, traffic patterns, and other characteristics of desired devices are becoming increasingly widespread.

[0004] One use case for wireless communication involves ranging communications.

[0005] Secure Ranging, which applies ranging communication, uses UWB communication technology based on the IEEE 802.15.4z international standard, allowing communication only between the same sessions, making hacking of communication such as relay attacks impossible.

[0006] In particular, ultra-wideband (UWB) devices may be used to perform accurate ranging, which may be performed by measuring time of arrival in combination with message exchanges to extract time of flight.

[0007] Ranging can provide wireless key type functionality, among other possible functions, and therefore security can be an important consideration, for example, in protecting ranging communications from hostile attacks and eavesdropping.

[0008] For example, security is often a requirement in message-exchange-based ranging, e.g., to prevent signals (malicious or benign) from non-participating devices from altering the calculation of arrival times at the corresponding receivers of participating devices. One way to achieve this type of security is to make it difficult for an attacker to forge (or "spoof") UWB ranging packets.

[0009] Protecting ranging packets against spoofing may be done by including a cryptographically secure random sequence in the UWB ranging packets. [Prior art documents] [Patent documents]

[0010] [Patent Document 1] Korean Patent Registration No. 10-2351586 [Patent Document 2] Korean Patent Registration No. 10-2127064 [Patent Document 3] Korean Patent Registration No. 2505785 [Patent Document 4] Korean Patent Registration No. 2433674 Summary of the Invention [Problem to be solved by the invention]

[0011] The present invention aims to provide a payment approval method using distance and angle information between a payment terminal and a UWB-equipped smartphone.

[0012] The present invention aims to have the mobile device determine that the user has approved the payment and proceed with the payment request process when the UWB distance is within a predetermined distance and the angle between the mobile device and the payment terminal is within a predetermined range, i.e., when the mobile device is pointed directly ahead and the above two conditions are met.

[0013] The present invention aims to overcome the limitations imposed by eSE by providing a server with a one-time use session key for UWB communications. [Means for solving the problem]

[0014] An operating method of a UWB payment system according to one embodiment may include the steps of: receiving, by a server, a request to start a UWB payment process from a payment terminal and a user terminal; generating, by the server, a UWB connection ID and a UWB payment key in response to the received initiation request; and providing the generated UWB connection ID to the payment terminal and the user terminal, and providing the UWB payment key only to the user terminal, to request that the UWB payment process be carried out.

[0015] An operating method of a UWB payment system according to one embodiment may include the steps of: starting UWB communication in the payment terminal and the user terminal using a UWB connection ID received from the server; verifying preset conditions in the user terminal when the UWB communication is started; transmitting the received UWB payment key from the user terminal to the payment terminal if the preset conditions are verified; and requesting verification of the UWB payment key from the server when the payment terminal receives the UWB payment key.

[0016] In one embodiment, when the UWB communication is initiated, the step of verifying the preset conditions in the user terminal may include the step of verifying the distance or angle between the user terminal and the payment terminal.

[0017] According to one embodiment, the step of verifying the distance or angle between the user terminal and the payment terminal may include measuring the distance from the user terminal to the payment terminal, determining whether the measured distance is within a preset distance, and verifying the distance if the measured distance is within the preset distance.

[0018] According to one embodiment, the step of verifying the distance or angle between the user terminal and the payment terminal may include measuring an angle of the user terminal itself or an angle from the user terminal toward the payment terminal, determining whether the measured angle is within a predetermined angle threshold, and verifying the angle if it is within the threshold.

[0019] The method for operating a UWB payment system according to one embodiment may further include outputting a guidance message from a display means or a speaker means of the user terminal so that the distance or angle of the user terminal is verified if the predetermined condition is not verified.

[0020] The method for operating a UWB payment system according to an embodiment may further include, in the server, responding to the payment terminal to proceed with the payment process if the UWB payment key verification is verified.

[0021] A server of a UWB payment system according to one embodiment may include a receiving unit that receives a request to start a UWB payment process from a payment terminal and a user terminal, an authentication information generating unit that generates a UWB connection ID and a UWB payment key in response to the received start request, and a payment requesting unit that provides the generated UWB connection ID to the payment terminal and the user terminal and provides the UWB payment key only to the user terminal to request the UWB payment process to be carried out.

[0022] In one embodiment, the payment terminal and user terminal start UWB communication using a UWB connection ID received from the server, and when the UWB communication starts, the user terminal verifies pre-set conditions, and if the pre-set conditions are verified, the user terminal transmits the received UWB payment key to the payment terminal, and when the payment terminal receives the UWB payment key, it can request the server to verify the UWB payment key. [Effects of the Invention]

[0023] According to one embodiment, a payment approval method using distance information and angle information between a payment terminal and a UWB-equipped smartphone can be provided.

[0024] According to one embodiment, when the UWB distance is within a predetermined distance and the angle between the mobile and the payment terminal is within a predetermined range, i.e., when the mobile is pointed forward and the above two conditions are met, the mobile can determine that the user has approved the payment and proceed with the payment request process.

[0025] According to one embodiment, the limitations imposed by the eSE can be overcome by providing a server-provided single-use session key for UWB communications. [Brief explanation of the drawings]

[0026] [Figure 1] 1 is a block diagram illustrating a UWB payment system according to an embodiment. [Figure 2] 1 is a block diagram illustrating an embodiment for implementing a UWB payment system according to an embodiment. [Figure 3] 1 is a diagram illustrating a specific example for implementing a UWB payment system according to an embodiment. [Figure 4] FIG. 2 is a block diagram illustrating a server constituting a UWB payment system according to an embodiment. [Figure 5] 1 is a block diagram illustrating an operation method of a server constituting a UWB payment system according to an embodiment. [Figure 6] 1 is a diagram illustrating an operation method of a UWB payment system according to an embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0027] With respect to embodiments based on the inventive concepts disclosed herein, specific structural or functional descriptions are provided solely for purposes of illustrating embodiments based on the inventive concepts, and embodiments based on the inventive concepts may be embodied in various forms and are not limited to the embodiments described herein.

[0028] Because embodiments based on the concepts of the present invention may be variously modified and may have various forms, these embodiments are illustrated in the drawings and described in detail herein, but it is not intended to limit the embodiments based on the concepts of the present invention to the particular forms disclosed, and all modifications, equivalents, or alternatives within the spirit and scope of the present invention are included.

[0029] Terms such as "first" or "second" may be used to describe various components, but these components should not be limited by these terms. The terms are used solely to distinguish one component from another, for example, a first component may be called a second component, and similarly, a second component may be called a first component, without departing from the scope of the invention.

[0030] When a component is referred to as being "coupled" or "connected" to another component, it should be understood that the component may be directly coupled or connected to the other component, and that there may be additional components between them. On the other hand, when a component is referred to as being "directly coupled" or "directly connected" to another component, it should be understood that there are no additional components between them. Expressions describing the relationship between components, such as "between," "directly between," or "directly adjacent to," should be interpreted in a similar manner.

[0031] The terms used in this specification are merely for the purpose of describing particular embodiments and are not intended to limit the present invention. The singular terms "a," "an," "the," and the like, include the plural terms unless the context clearly dictates otherwise. In this specification, the terms "comprise," "have," and the like, are intended to specify the presence of stated features, numbers, steps, operations, components, parts, or combinations thereof, and should be understood as not precluding the possibility of the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof.

[0032] Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by a person of ordinary skill in the art to which this invention pertains. Terms defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning they have in the context of the relevant art, and should not be interpreted in an idealized or overly formal sense unless expressly defined herein.

[0033] The following examples are described in detail with reference to the accompanying drawings, in which like reference numerals refer to like elements throughout the drawings, but the scope of the patent application is not limited to these examples.

[0034] FIG. 1 is a block diagram illustrating a dynamic security ranging system 100 according to one embodiment.

[0035] The dynamic secure ranging system 100 according to one embodiment can solve the problem of multiple third parties being unable to use the system simultaneously due to physical limitations caused by the limited capacity of the external memory of the eSE hardware chip itself, and can overcome the limitations imposed by the eSE by providing a one-time session key for UWB communication from the server.

[0036] Specifically, the dynamic secure ranging system 100 according to an embodiment may include a server 110 that generates and provides a session key, and a first authentication device 120 and a second authentication device 130 that use the session key.

[0037] As an example, the session key may be in the form of a variable QR Code (Quick Response Code).

[0038] As mentioned above, the first authentication device 120 and the second authentication device 130 may be interpreted as any device capable of short-range wireless communication and performing UWB-based ranging between the two paired devices.

[0039] It may also be interpreted as all devices that collect a link ID from the server 110 and interact with each other if they have not been previously paired.

[0040] For convenience of explanation, the first authentication device 120 will be described as a payment terminal, and the second authentication device 130 will be described as a user terminal such as a smartphone.

[0041] FIG. 2 is a block diagram illustrating an embodiment for implementing a UWB payment system according to an embodiment.

[0042] Each of the multiple payment terminals (payment terminal #1 (210), payment terminal #3 (220), and payment terminal #3 (230)) installed in the store is issued an individual UWB connection ID based on the customer payment process.

[0043] When touchless payment is initiated on the user terminal, the payment process can proceed between the payment terminal and the user terminal that have the same UWB connection ID provided by the server.

[0044] FIG. 3 is a diagram illustrating a specific example for implementing a UWB payment system according to an embodiment.

[0045] The payment terminal 320 and the user terminal 330 can request the server 310 to start the UWB payment process.

[0046] In response, the server 310 can generate a UWB connection ID and a UWB settlement key.

[0047] In addition, the server 310 can provide the UWB connection ID to the payment terminal 320 and the user terminal 340 respectively, and provide the UWB payment key only to the user terminal 330 .

[0048] The UWB settlement key may be interpreted as the session key mentioned above.

[0049] Next, when the payment terminal 320 and the user terminal 330 are adjacent within a communication distance, the payment terminal 320 and the user terminal 330 can start UWB communication between each other using the UWB connection ID received from the server 310.

[0050] For example, the payment terminal 320 may be an in-store POS terminal, and the user terminal 330 may be a smartphone.

[0051] In some stores, multiple POS terminals are placed on the counter. In this case, when a smartphone is placed close to the multiple POS terminals, the smartphone may get confused in trying to find the POS terminal that should perform the payment process.

[0052] Therefore, the server 310 provides the generated UWB connection ID only to the POS terminal and smartphone that request the start of UWB payment, and allows the UWB payment process to proceed only between the POS terminal and smartphone that receive the UWB connection ID.

[0053] When UWB communication is initiated between the payment terminal 320 and the user terminal 330, the user terminal 330 identifies the angle at which it faces the payment terminal 320 and the distance from the payment terminal 320. If the identified angle and distance meet preset criteria, verification is completed, and if verification is completed, the UWB payment key received from the server can be sent to the payment terminal.

[0054] At this time, the UWB payment key can be transmitted only to the payment terminal 320 that has been previously paired with the UWB connection ID.

[0055] The payment terminal 320 that receives the UWB payment key can transmit the UWB payment key received from the user terminal 330 to the server and request verification while waiting for payment approval.

[0056] If the server 310 verifies the UWB payment key provided by the payment terminal 320, the payment terminal 320 can proceed with a normal payment process.

[0057] As an example, the UWB payment key may be in the form of a dynamic QR Code (Quick Response Code).

[0058] Meanwhile, the user terminal 330 can notify the server 310 of the start of UWB payment using a network communication method such as Matter, WiFi, or CatM1.

[0059] Also, the user terminal 330 may use a previously stored UWB payment key instead of requesting the UWB payment key from the server 310 in real time.

[0060] A battery-operated device such as the user terminal 330 does not request a UWB payment key every time a payment request is made, but instead collects and stores a new UWB payment key from the server at regular intervals to efficiently use power, and can use it.

[0061] For example, the user terminal 330 can collect a new UWB settlement key from the server every day and use it until the next cycle.

[0062] The payment terminal 320 that has collected the UWB payment key can encrypt data for ranging using an encryption algorithm and then transmit it to the user terminal 330 via a short-range wireless communication method such as Bluetooth.

[0063] FIG. 4 is a block diagram illustrating a server 400 constituting a UWB payment system according to an embodiment.

[0064] The server according to an embodiment may include a receiving unit 410, an authentication information generating unit 420, a payment requesting unit 430, and a control unit 440.

[0065] The receiving unit 410 according to an embodiment may receive a request to start a UWB payment process from a payment terminal and a user terminal.

[0066] Next, the authentication information generating unit 420 according to an embodiment may generate a UWB connection ID and a UWB settlement key in response to the received initiation request.

[0067] Next, the payment request unit 430 can provide the generated UWB connection ID to the payment terminal and the user terminal, and provide the UWB payment key only to the user terminal to request the user terminal to proceed with the UWB payment process.

[0068] The payment terminal and the user terminal start UWB communication using the UWB connection ID received from the server, and when UWB communication starts, the user terminal verifies the pre-set conditions, and if the pre-set conditions are verified, the user terminal can send the received UWB payment key to the payment terminal.

[0069] In addition, when the payment terminal receives the UWB payment key, it can request the server to verify the UWB payment key.

[0070] According to an embodiment, the authentication information generating unit 420 may generate a UWB connection ID and a UWB settlement key in response to the received initiation request.

[0071] In one embodiment, the payment request unit 430 may provide the generated UWB connection ID to the payment terminal and the user terminal, and may provide the UWB payment key only to the user terminal to request the UWB payment process to proceed.

[0072] In this process, the payment terminal and the user terminal start UWB communication using the UWB connection ID received from the server, and once UWB communication is started, the user terminal can verify the preset conditions.

[0073] In addition, when the preset conditions are verified, the received UWB payment key is sent from the user terminal to the payment terminal, and when the payment terminal receives the UWB payment key, it can request the server to verify the UWB payment key.

[0074] The control unit 440 may be interpreted as a central processing unit (CPU) and may be responsible for performing various calculations and processing data within the system.

[0075] In particular, the control unit 440 can read instructions from the memory, analyze and execute the instructions, and can also perform arithmetic operations such as addition, subtraction, multiplication, and division.

[0076] The control unit 440 can also process data storage and retrieval, and can also read data from memory, perform calculations, and store the results in memory again.

[0077] The control unit 440 can also manage the flow of program execution, particularly using commands such as conditional statements (if-else) and loop statements (for, while). The control unit 440 can also have small, fast storage devices called registers located therein, which can be used to temporarily store data or perform calculations.

[0078] The control unit 440 can process external events or exceptional situations and take appropriate action when they occur, and can quickly access data and instructions using cache memory, which is faster than main memory.

[0079] In addition, the controller 440 can use the system bus to communicate with memory and input / output devices, and can provide various power management functions to minimize power consumption.

[0080] The payment terminal and the user terminal can start UWB communication using the UWB connection ID received from the server.

[0081] When UWB communication is initiated, the user terminal verifies the preset conditions, and if the preset conditions are verified, the user terminal transmits the received UWB payment key to the payment terminal, thereby proceeding with the payment process.

[0082] FIG. 5 is a block diagram illustrating an operation method of a server constituting a UWB payment system according to an embodiment.

[0083] In an operation method of a server constituting a UWB payment system according to an embodiment, a request to start a UWB payment process may be received from a payment terminal and a user terminal (step 501).

[0084] Next, the server operation method according to an embodiment may generate a UWB connection ID and a UWB settlement key in response to the received initiation request (step 502).

[0085] In addition, the server operating method according to an embodiment may provide the generated UWB connection ID to the payment terminal and the user terminal (step 503).

[0086] In one embodiment, the server may provide the UWB settlement key only to the user terminal and request the user terminal to proceed with the UWB settlement process (step 504).

[0087] The payment terminal and the user terminal can start UWB communication using the UWB connection ID received from the server. When UWB communication starts, the user terminal verifies the pre-set conditions.

[0088] The payment terminal and user terminal can start UWB communication using the UWB connection ID received from the server. When UWB communication starts, the user terminal checks the pre-set conditions, which generally include verifying the authenticity of the transaction, whether the payment amount is within the limit specified by the user, and whether additional security measures such as biometric authentication or PIN entry are in place. Once the conditions are confirmed, the pre-set UWB communication channel can be used to prepare for the payment transaction. This protects against unauthorized transactions and strengthens overall security for both merchants and users.

[0089] Once the pre-set conditions are verified, the user terminal transmits the UWB payment key received from the payment terminal. When the payment terminal receives the UWB payment key, it transmits it to the server and verifies the validity of the UWB payment key. This ensures the authenticity of the transaction and ensures a safe payment process.

[0090] When UWB communication begins, the user terminal can check the distance or angle to the payment terminal in the process of verifying the pre-set conditions. This is an additional security measure that can confirm the location and distance from which the user makes a payment, enhancing the security of the transaction.

[0091] In order to verify the distance or angle between the user terminal and the payment terminal, the user terminal can measure the distance from the user terminal to the payment terminal, determine whether the measured distance is within a preset distance, and verify the distance if it is within the preset distance.

[0092] For example, a user terminal uses UWB technology to measure the distance to a payment terminal in order to determine the distance or angle to the payment terminal, thereby enabling the user terminal to accurately determine the distance to the payment terminal.

[0093] The user terminal can check whether the measured distance is within a preset distance. For example, if the preset distance is 1 meter, the user terminal can check whether the distance to the payment terminal is within 1 meter.

[0094] If the measured distance is within a predetermined distance, the user terminal can further verify the distance, which helps to more reliably confirm the distance to the payment terminal and increase the security of the transaction.

[0095] Meanwhile, the user terminal can verify the distance or angle to the payment terminal. In this process, the angle of the user terminal itself or the angle from the user terminal to the payment terminal can be measured, and it can be determined whether the measured angle is within a predetermined angle threshold. For example, the angle can be verified only if it is within the threshold.

[0096] The user terminal can measure its own angle or the angle it faces towards the payment terminal.

[0097] This allows the user terminal to grasp its relative position to the payment terminal.

[0098] It can be checked whether the measured angle is within a predetermined critical angle. For example, if the predetermined angle is set to 30°, the user terminal can check whether the angle facing the payment terminal is within 30°.

[0099] If the measured angle is within a predetermined critical angle, the angle can be further verified, thereby allowing the user terminal to confirm a safe angle with the payment terminal and ensure the authenticity of the transaction.

[0100] If the preset condition is not verified, a guidance message can be output from the display means or speaker means of the user terminal to verify the distance or angle of the user terminal.

[0101] If the server verifies the UWB payment key, it may respond to the payment terminal to proceed with the payment process.

[0102] FIG. 6 is a diagram illustrating an operation method of a UWB payment system according to an embodiment.

[0103] The payment terminal can request UWB payment from the server in response to a customer's payment processing request (601).

[0104] Meanwhile, the user terminal can request UWB payment from the server by starting touchless payment (602).

[0105] The server starts UWB payment in response to the UWB payment request received from the payment terminal and the user terminal (603).

[0106] When the UWB payment starts, the server generates a UWB connection ID and a UWB payment key (604).

[0107] Next, the server provides the generated UWB connection ID to both the payment terminal and the user terminal, and provides the generated UWB payment key only to the user terminal.

[0108] The payment terminal and the user terminal that have received the UWB connection IDs start UWB communication between each other using the received UWB connection IDs (605, 606).

[0109] When UWB communication is initiated, the user terminal performs a process of verifying the distance and angle to the payment terminal (608).

[0110] When the distance and angle between the user terminal and the payment terminal are verified, the user terminal transmits a UWB payment key to the payment terminal (609). After receiving the UWB payment key, the payment terminal waits for payment approval (610).

[0111] The payment terminal also transmits the UWB payment key to the server and requests verification (611).

[0112] If the UWB payment key transmitted from the user terminal is valid, the payment terminal can proceed with a series of payment processes (612).

[0113] During the payment process, the payment terminal sends a payment request to the payment server, which may include product information, payment amount, selected payment method, etc.

[0114] The payment terminal transmits card information to the payment server according to the payment method selected by the customer, including card number, expiration date, CVV, etc.

[0115] The payment server sends the received card information to the payment network or card issuing institution to request authentication and payment approval, during which procedures such as card validity check and balance confirmation may be performed.

[0116] The payment network or card issuer can verify the received payment request and respond to the payment server whether the payment is approved. If approved, the payment server can send an approved message to the payment terminal.

[0117] The payment terminal can confirm that the transaction was authorized and print a receipt for the customer, which includes transaction details and payment information.

[0118] The payment server can record transaction details and store them for later review by the store owner or manager.

[0119] Therefore, according to the present invention, a payment approval method using distance information and angle information between a payment terminal and a UWB-equipped smartphone can be provided.

[0120] In addition, if the UWB distance is within a predetermined distance and the angle between the mobile and the payment terminal is within a predetermined range, i.e., when the mobile is pointed directly ahead and the above two conditions are met, the mobile can determine that the user has approved the payment and proceed with the payment request process.

[0121] Furthermore, the limitations imposed by eSE can be overcome by providing a one-time session key for UWB communication from the server.

[0122] The devices described above may be implemented using hardware components, software components, and / or a combination of hardware and software components. For example, the devices and components described in the embodiments may be implemented using one or more general-purpose or special-purpose computers, including, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable array (FPA), a programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to the execution of software. For ease of understanding, a single processing device may be described. However, those skilled in the art will recognize that a processing device may include multiple processing elements and / or multiple types of processing elements. For example, a processing device may include multiple processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

[0123] Software may include a computer program, code, instructions, or a combination of one or more of these, which can configure or, independently or collectively, instruct a processing device to operate as desired. The software and / or data may be permanently or temporarily embodied in some type of machine, component, physical device, virtual device, computer storage medium or device, or transmitted signal wave to be analyzed by or provide instructions or data to a processing device. The software may be distributed across network-coupled computer systems and stored and executed in a distributed manner. The software and data may be stored on one or more computer-readable storage media.

[0124] Methods according to the embodiments may be embodied in the form of program instructions executable by various computer means and stored on a computer-readable medium. The computer-readable medium may include, alone or in combination, program instructions, data files, data structures, and the like. The program instructions stored on the medium may be specially designed and constructed for the embodiments, or may be available as known to those skilled in the art of computer software. Examples of computer-readable storage media include magnetic media such as hard disks, floppy disks, and magnetic tape; optical media such as CD-ROMs and DVDs; magneto-optical media such as floptical disks; and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, and flash memory. Examples of program instructions include machine code, such as produced by a compiler, as well as high-level language code executable by a computer using an interpreter, for example. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, or vice versa.

[0125] While the embodiments have been described above with limited illustrations, those skilled in the art will appreciate that various modifications and variations may be made from the above description. For example, the techniques described may be performed in a different order than described, and / or the components of the described systems, structures, devices, circuits, etc. may be combined or combined in a different manner than described, or may be substituted or replaced by other components or equivalents, and still achieve suitable results.

[0126] Accordingly, other implementations, other embodiments, and equivalents of the claims are within the scope of the following claims.

Claims

1. receiving, by a server, a request to start a UWB payment process from the payment terminal and the user terminal; generating a UWB connection ID and a UWB payment key in response to the received initiation request at the server; providing the generated UWB connection ID to the payment terminal and the user terminal, and providing the UWB payment key only to the user terminal, and requesting that a UWB payment process be performed; 1. A method of operating a UWB payment system, comprising:

2. starting UWB communication in the payment terminal and the user terminal using the UWB connection ID received from the server; verifying a preset condition in the user terminal when the UWB communication is initiated; transmitting the received UWB payment key to the payment terminal in the user terminal when the preset condition is verified; The method of claim 1, further comprising: when the payment terminal receives the UWB payment key, requesting the server to verify the UWB payment key.

3. When the UWB communication is started, the step of verifying a preset condition in the user terminal includes: The method of claim 2, further comprising verifying a distance or an angle between the user terminal and the payment terminal.

4. The step of verifying the distance or angle between the user terminal and the payment terminal includes: measuring a distance from the user terminal to the payment terminal; determining whether the measured distance is within a predetermined distance; and verifying the distance if the distance is within the preset distance.

5. The step of verifying the distance or angle between the user terminal and the payment terminal includes: measuring an angle of the user terminal itself or an angle from the user terminal to the payment terminal; determining whether the measured angle is within a predetermined critical value; and verifying the angle if it is within the critical value.

6. If the preset condition is not verified, 3. The method of claim 2, further comprising outputting a guidance message from a display means or a speaker means of the user terminal so that the distance or angle of the user terminal is verified.

7. 2. The method of claim 1, further comprising the step of: if the UWB payment key verification is verified, the server responds to the payment terminal to proceed with the payment process.

8. a receiving unit for receiving a request to start a UWB payment process from the payment terminal and the user terminal; an authentication information generating unit that generates a UWB connection ID and a UWB payment key in response to the received start request; a payment request unit that provides the generated UWB connection ID to the payment terminal and the user terminal, and provides the UWB payment key only to the user terminal, to request that a UWB payment process be carried out; A server of a UWB payment system comprising:

9. The payment terminal and the user terminal are Initiating UWB communication using the UWB connection ID received from the server; When the UWB communication is started, the user terminal verifies a preset condition; If the preset condition is verified, the received UWB payment key is transmitted from the user terminal to the payment terminal; The server of claim 8, wherein the payment terminal requests the server to verify the UWB payment key when the payment terminal receives the UWB payment key.

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