Simple payment method and application

Abstract

Disclosed are a method and an application by which a terminal performs simple payment in a commercial payment system. The method by which a terminal having a simple payment application installed therein provides simple payment comprises the steps of: recognizing a payment device by using device to device communication in an off screen state or a locked screen state; wirelessly transmitting and receiving payment preparation information to and from the payment device; displaying payment schedule information on a screen of the terminal; receiving user authentication information from a user; and transmitting payment execution information to the payment device.

Description

Easy payment methods and applications

[0001] The present invention relates to a method and application for making payments when trading goods or services in various places such as a mart, a department store, or a small store, and relates to a method and application for making payments conveniently even when the smartphone is turned off or in a locked screen state when making payments on site using a terminal such as a smartphone.

[0002] Representative examples of convenient payment methods using smartphones include Samsung Pay and Apple Pay. Samsung Pay transmits card information to the payment device using magnetic secure transmission (MST), while Apple Pay uses near field communication (NFC). To facilitate these convenient payments, user security authentication is performed on the smartphone. Typically, passwords or biometric authentication methods such as iris recognition, facial recognition, or fingerprints are used.

[0003] Meanwhile, card terminals and smartphones are connected via short-range wireless communication, including Bluetooth, NFC, and MST. Starting in 2021, some smartphones from Samsung and Apple (registered trademarks) will also support ultra-wideband (UWB) communication. In addition, there are various types of device-to-device (D2D) communication that can be used over short distances, such as Wi-Fi Direct. Wireless communications that enable direct information exchange between the above-mentioned devices are referred to as device-to-device (D2D) communication.

[0004] However, both of the above payment methods have the inconvenience of users being unable to make payments when the terminal is turned off or has a locked screen.

[0005] The purpose of the present invention to solve the above problems is to provide a method and application that allows users to conveniently make payments even when their terminals, such as smartphones, are turned off or in a locked screen state when trading goods or services in various places such as supermarkets, department stores, or small stores.

[0006] The technical problems to be achieved in the present invention are not limited to the technical problems mentioned above, and other technical problems not mentioned can be clearly understood by a person having ordinary skill in the technical field to which the present invention belongs from the description below.

[0007] A method for providing simple payment by a terminal having installed a simple payment application according to one embodiment of the present invention to achieve the above purpose,

[0008] The method may include a step of recognizing a payment device using device-to-device (D2D) communication in a screen-off or lock-screen state; a step of wirelessly exchanging payment preparation information with the payment device; a step of displaying payment schedule information on the screen of the terminal; a step of receiving user authentication information from a user; and a step of transmitting payment execution information to the payment device.

[0009] In one embodiment of the present invention, the terminal-to-terminal communication used by the terminal to recognize the payment device may include one or more of Bluetooth, NFC, MST, UWB, and wifi-direct.

[0010] In one embodiment of the present invention, in the step of recognizing the payment device using terminal-to-terminal communication, the terminal can receive payment device recognition information broadcast by the payment device using terminal-to-terminal communication.

[0011] In one embodiment of the present invention, the condition for the terminal to recognize the payment device using terminal-to-terminal communication may be that the terminal approaches the payment device within a predetermined threshold distance, or the reception power of a wireless signal transmitted by the payment device at the terminal is higher than a predetermined threshold power, or the terminal-to-terminal communication device of the terminal is activated by a signal transmitted by the payment device.

[0012] In one embodiment of the present invention, in the step where the terminal recognizes the payment device using terminal-to-terminal communication, the terminal can be notified by the payment device that it is a payment target through terminal-to-terminal communication.

[0013] Here, the terminal being notified by the payment device that it is a payment target may be that the payment device selects the terminal as the terminal closest to the payment device and receives a terminal-to-terminal communication signal notifying the terminal that it is a payment target, or that the payment device selects the terminal as the terminal with the highest reception power of the terminal-to-terminal communication signal and receives a terminal-to-terminal communication signal notifying the terminal that it is a payment target.

[0014] In one embodiment of the present invention, the payment preparation information wirelessly exchanged with the payment device may include one or more of a store name, an amount to be paid, installment information, an amount available for payment among accumulated points, an available discount coupon, and user personal information.

[0015] In one embodiment of the present invention, the payment information displayed on the screen of the terminal may include one or more of the store name, the amount to be paid, the name of the card to be paid, installment information, the amount available for payment among accumulated points, and an available discount coupon.

[0016] In one embodiment of the present invention, in the step of displaying the payment scheduled information on the screen of the terminal, the payment scheduled information may be displayed as a pop-up in a turned-off screen or locked screen state.

[0017] In one embodiment of the present invention, the method by which the terminal receives user authentication information from a user may include one or more of fingerprint recognition, facial recognition, pattern recognition, and password input.

[0018] In one embodiment of the present invention, when user authentication is performed at the terminal when recognizing the payment device and wirelessly exchanging payment preparation information with the payment device, the terminal may omit the step of receiving user authentication information from the user.

[0019] In one embodiment of the present invention, when user authentication is performed at the terminal when recognizing the payment device and wirelessly exchanging payment preparation information with the payment device, the terminal can simultaneously omit the step of displaying the payment schedule information on the screen of the terminal and the step of receiving user authentication information from the user.

[0020] In one embodiment of the present invention, when user authentication is performed at the terminal when recognizing the payment device and wirelessly exchanging payment preparation information with the payment device, if the authentication means is a fingerprint, the terminal can use a payment means pre-mapped to the fingerprint used for the authentication for the payment.

[0021] In one embodiment of the present invention, after the step of recognizing a payment device using terminal-to-terminal communication in a screen-off or lock-screen state, a step of transmitting a recognition notification sound or performing a notification vibration may be further included.

[0022] In one embodiment of the present invention, after the step of transmitting the payment execution information to the payment device, the terminal may further include a step of receiving payment approval completion information from the payment device and displaying the received information on the screen of the terminal.

[0023] In one embodiment of the present invention, after the step of transmitting the payment execution information to the payment device, the method may further include the step of receiving a receipt for the payment from the payment device and displaying the received receipt on the screen of the terminal.

[0024] Here, after the step of receiving a receipt for the payment from the payment device, a step of transmitting the received payment receipt to the payment device or another payment device capable of receiving the payment receipt may be further included.

[0025] According to the present invention, users can conveniently make payments using a terminal such as a smartphone, even when the smartphone's screen is off or locked. Specifically, if the smartphone user performs real-time fingerprint authentication or other means, payment can be completed simply by holding the smartphone near a payment terminal.

[0026] The effects that can be obtained from the present invention are not limited to the effects mentioned above, and other effects not mentioned can be clearly understood by a person having ordinary skill in the art to which the present invention belongs from the description below.

[0027] Figure 1 is a system configuration diagram required for a simple payment operation according to one embodiment of the present invention.

[0028] Figure 2 is a procedure diagram showing how the existing Samsung Pay operates.

[0029] Figure 3 is a procedure diagram showing how the existing Apple Pay works.

[0030] Figure 4 is a flowchart of the operation of simple payment according to one embodiment of the present invention.

[0031] Figure 5 is a flowchart illustrating an expanded operation of simple payment according to one embodiment of the present invention.

[0032] Figure 6 is a block diagram of a terminal used for simple payment according to one embodiment of the present invention.

[0033] This disclosure may be subject to various modifications and various embodiments. Specific embodiments are illustrated and described in detail in the drawings. However, this is not intended to limit the disclosure to specific embodiments, but rather to encompass all modifications, equivalents, and alternatives falling within the spirit and technical scope of the disclosure.

[0034] In embodiments of the present disclosure, “at least one of A and B” may mean “at least one of A or B” or “at least one of combinations of one or more of A and B.” Furthermore, in embodiments of the present disclosure, “at least one of A and B” may mean “at least one of A or B” or “at least one of combinations of one or more of A and B.”

[0035] When a component is referred to as being "connected" or "connected" to another component, it should be understood that it may be directly connected or connected to that other component, but that there may be other components intervening. Conversely, when a component is referred to as being "directly connected" or "connected" to another component, it should be understood that there are no other components intervening.

[0036] The terminology used in this disclosure is only used to describe specific embodiments and is not intended to limit the present disclosure. The singular expression includes the plural expression unless the context clearly indicates otherwise. In this disclosure, it should be understood that the terms "comprises" or "has" indicate the presence of a feature, number, step, operation, component, part, or combination thereof described in the specification, but do not preclude the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof.

[0037] 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 disclosure pertains. Terms defined in commonly used dictionaries should be interpreted as having a meaning consistent with their meaning in the context of the relevant technology, and shall not be interpreted in an idealized or overly formal sense unless explicitly defined herein.

[0038] Payment methods to which embodiments according to the present disclosure are applied will be described. The payment methods to which embodiments according to the present disclosure are applied are not limited to those described below, and embodiments according to the present disclosure can be applied to various payment systems.

[0039] Throughout the specification, a terminal includes an application / program, which is software stored on a computer-readable storage medium, and hardware such as a processor, memory, a display, and a communication module. The processor cooperates with the hardware to run the application. The display can display a user interface screen provided by the application. Depending on the terminal type, the display can receive user input, such as touch input. The communication module can include device-to-device (D2D) communication. Additionally, the terminal can include a communication module capable of communicating with a server via a communication network. A terminal can be implemented in various forms, and can mean various devices that a user can carry and use while moving, such as a communication-capable tablet PC, wireless phone, mobile phone, smart phone, smart watch, smart glass, e-book reader, PMP (portable multimedia player), portable game console, navigation device, digital camera, DMB (digital multimedia broadcasting) player, digital audio recorder, digital audio player, digital picture recorder, digital picture player, digital video player, etc. In addition, when these various devices are connected to each other through communication, it can mean a combination of these. Here, a user means a person who uses the terminal.

[0040] Throughout the specification, the term "payment device" may refer to any device capable of performing payment, such as a communication-enabled tablet PC, point of sales (POS), wireless phone, mobile phone, smart phone, smart watch, smart glass, e-book reader, portable multimedia player (PMP), portable game console, navigation device, digital multimedia broadcasting (DMB) player, Bluetooth device, device to device (D2D) communication device, etc. Furthermore, when these various devices are connected to each other through communication, it may refer to a combination of these devices.

[0041] An application is software stored on a computer-readable storage medium, and includes instructions and data that execute the operations of the present disclosure. The application is installed on a terminal and executed on the terminal. Furthermore, the application can communicate with a designated server via a communication network or with other terminals or devices via device-to-device (D2D) communication. Hereinafter, the application may be simply referred to as an app.

[0042] A server may include one or more processors, a memory that loads a computer program to be executed by the processors, a storage device that stores the computer program and various data, and a communication interface.

[0043] Hereinafter, preferred embodiments of the present disclosure will be described in more detail with reference to the attached drawings. In order to facilitate an overall understanding in describing the present disclosure, identical reference numerals are used for identical components in the drawings, and redundant descriptions of identical components are omitted.

[0044] FIG. 1 is a system configuration diagram required for a simple payment payment operation according to one embodiment of the present invention, and also illustrates a general payment-related configuration. Referring to FIG. 1, a terminal (101) may be a device or a combination of devices that can be carried by a user (104). A payment device (102) may be a payment-capable device or a combination thereof. In addition, the terminal (101) and the payment device (102) may include a screen that informs the user (104) of the payment amount, and the screen may be a touch-enabled screen. Typically, the payment device (102) is connected to a payment system (103) via wired or wireless communication to perform payment. For example, when payment is made using a credit card, the payment system (103) may include a server of the corresponding card company connected to the Internet. Here, the terminal (101) and the payment device (102) can transmit and receive wireless signals such as packets, beacons, pulses, etc. through device-to-device (D2D) communication. In addition, D2D communication can support a communication protocol based on TDMA (time division multiple access).

[0045] In FIG. 1, when a terminal (101) transmits payment execution information of a user (104), such as a card number, to a payment device (102) through terminal-to-terminal communication, the payment device (102) can use this to perform payment with a payment system (103). In FIG. 1, the user (104) may be a person using the terminal (101). Typically, the owner of the terminal (101) uses his or her own terminal, and in this disclosure, it is assumed that the legitimate owner of the terminal uses the terminal (101).

[0046] Currently commercialized D2D communications include Bluetooth, near field communication (NFC), ultra-wideband (UWB), Wi-Fi direct, magnetic secure transmission (MST), and various other communications, but MST and NFC are currently mainly used for communication between the terminal (101) and the payment device (102) in FIG. 1. The present invention can be configured using the commercialized D2D communication means, and can also be configured using a D2D communication means to be commercialized in the future.

[0047] First, to help understand the present invention, Samsung Pay and Apple Pay, which are currently in use, are described using FIGS. 2 and 3.

[0048] Figure 2 is a flowchart illustrating the operation procedure of Samsung Pay. Since the present invention aims to enhance convenience from the user's (104) perspective, the portions directly performed by the user (104) in the flowchart are indicated with dotted lines, and the remaining portions are indicated with solid lines to distinguish between the user's (104) experience.

[0049] Referring to FIG. 2, Samsung Pay begins with a user (104) turning on a smartphone corresponding to a terminal (101) (S201). The user then unlocks the smartphone (S202), launches the Samsung Pay app (S203), authenticates the user (104) (S204), and brings the smartphone close to a payment device (102) (S205). Then, the payment device (102) transmits and receives payment-related information from the smartphone and communicates with the payment system (103) to perform payment (S206). In the present disclosure, turning on the smartphone means turning on the smartphone's screen.

[0050] Turning on the smartphone (S201) can be performed by pressing the power button or tapping the screen. Here, 'tap' refers to a motion such as lightly tapping or touching the screen. Unlocking (S202) can be performed by pattern input, fingerprint recognition, facial recognition, or password input. These input methods are currently widely used in smartphones. If the user (104) uses a smartwatch, unlocking can be performed automatically, i.e., can be omitted. Running the Samsung Pay app (S203) is performed by the user (104) directly finding the Samsung Pay icon and tapping it. User authentication (S204) can be performed similarly to unlocking (S202), such as by entering a password. Once user authentication (S204) is complete, a prompt appears on the user's (104) smartphone screen asking the user to bring the smartphone close to the card reader. The user (104) bringing the smartphone close to the payment device (102) (S205) means that the smartphone and the payment device (102) are brought within a distance of approximately 10 cm. The payment process (S206) means that the payment device (102) performs a payment process with the payment system (103). Thus, in the case of Samsung Pay, the user (104) must perform five steps. Furthermore, although not shown in FIG. 2, Samsung Pay requires that data communication using mobile communication be activated. If not, the user (104) must additionally perform a step of activating data communication using mobile communication.

[0051] Figure 3 is a flowchart of Apple Pay's operation procedure. In the flowchart, the portions directly performed by the user (104) are indicated by dotted lines, and the rest are indicated by solid lines.

[0052] Referring to Figure 3, Apple Pay begins with the user (104) turning on the smartphone corresponding to the terminal (101) (S301). The user then unlocks the smartphone (S302) and places it close to the payment device (102) (S303). The payment device (102) then receives payment-related information from the smartphone and performs the payment (S304).

[0053] Turning on a smartphone in Apple Pay (S301) can typically be accomplished by double-pressing the power button. This action turns on the smartphone's screen and simultaneously launches Apple Pay. Unlocking (S302) can be accomplished by pattern input, fingerprint recognition, facial recognition, or password input. If the user (104) uses a smartwatch, unlocking can occur automatically. Unlike Samsung Pay, Apple Pay allows payment to be made simply by unlocking (S302). Once unlocking is complete, the user's (104) smartphone screen changes and a prompt appears asking the user to bring the smartphone closer to the card reader. The user (104) bringing the smartphone closer to the payment device (102) (S303) means that the smartphone and the payment device (102) are brought within a distance of typically 10 cm. Payment (S304) means that the payment device (102) performs a payment transaction with the payment system (103). In this way, Apple Pay can be perceived as more convenient by users (104) because the number of steps required for payment is three fewer than that of Samsung Pay.

[0054] Figure 4 is a flowchart of a simple payment operation according to one embodiment of the present invention. In the flowchart, parts directly performed by the user (104) are indicated by dotted lines, while other parts are indicated by solid lines to distinguish between the user's (104) experience. In Figure 4, the payment device (102) recognition step (S401) may or may not be performed directly by the user (104).

[0055] The simple payment method proposed by the present invention can provide a user (104) with more convenient convenience than Samsung Pay or Apple Pay by allowing the user (104) to use the terminal (101), such as a smartphone, in an off-screen or locked-screen state. Here, the terminal (101) being in an off-screen state may mean that the screen is turned off because the user (104) is not using the terminal (101), or that only a small portion of the screen is turned on, such as a clock, to save power. For example, the Samsung Galaxy S22 smartphone provides a clock, date, and text pop-ups even in an off-screen state, and such settings are provided under the name of 'Always On Display'. The terminal (101) being in a locked-screen state means that the screen has been changed from an off-screen state to an on-screen state by the user (104), but the user (104) must perform user authentication. For example, when you press the power button of a smartphone, the screen turns on immediately, but in this locked screen state, the user (104) must perform user authentication such as fingerprint recognition, facial recognition, pattern input, or password input to use the smartphone, and the locked screen is unlocked.

[0056] Referring to FIG. 4, in the step (S401) where the terminal (101) recognizes the payment device (102), the terminal (101) can recognize the presence of the payment device (102). In the step (S402) where payment preparation information is wirelessly exchanged, the terminal (101) can exchange payment-related information, such as the name of the payment store and the payment amount, with the payment device (102). In the step (S403) where payment schedule information is displayed on the screen of the terminal (101), the terminal (101) can display payment-related information received from the payment device (102) on the screen and notify the user (104). In the user authentication step (S404), the user (104) can perform user authentication to approve payment of the content displayed on the screen of the terminal (101). In the payment execution step (S405), the payment device (102) can transmit and receive payment execution information, such as card information, from the terminal (101) and communicate with the payment system (103) to perform payment. Among the five steps, the step in which the user (104) is involved is the user authentication step (S404), and in the case of the recognition step (S401), there are methods in which the user (104) is involved and methods in which he or she is not involved. Therefore, the simple payment proposed in FIG. 4 can be perceived as much more convenient than Samsung Pay or Apple Pay because the number of steps the user (104) performs for payment is one or two.

[0057] In the step (S401) where the terminal (101) recognizes the payment device (102), the terminal (101) may use Bluetooth, NFC, MST, UWB, wifi-direct, RFID (Radio-Frequency Identification), and other D2D communications to recognize the presence of the payment device (102). For example, a payment device (102) using Bluetooth or UWB may broadcast its own recognition information, and the terminal (101) may receive the recognition information broadcast by the payment device (102) and recognize the payment device (102). The above-described method may also be performed using various other D2D communications. Here, the broadcasted recognition information may include one or more of the type of device, a device identifier (ID), a device version, and a service provided by the device.

[0058] Since the recognition information broadcast by the payment device (102) can be received from several meters to tens of meters depending on the D2D communication used for the broadcast, a problem may arise in which the information is transmitted to terminals that do not actually perform the payment. Therefore, in order to solve the above-described problem, when the terminal (101) recognizes the payment device (102) using D2D communication, the payment device (102) can be recognized only when the terminal (101) approaches the payment device (102) within a predetermined threshold distance. Since 2021, smartphone models such as the 'Galaxy S21 Ultra' have been sold with UWB installed. If the payment device (102) is equipped with UWB, the distance between the payment device (102) and the smartphone can be measured using UWB. Currently, the distance error of UWB is known to be on the order of cm (centimeters). In addition, in order to solve the above-described problem, when the terminal (101) recognizes the payment device (102) using D2D communication, the payment device (102) can be recognized only when the reception power of the wireless signal transmitted by the payment device (102) is higher than a predetermined threshold power. This is a more useful method in communication methods other than UWB, and a high reception power may mean that the payment device (102) and the terminal (101) are close to each other. Another way to solve the above-described problem is to recognize the payment device (102) when the D2D communication device built into the terminal (101) is activated by the wireless signal transmitted by the payment device (102). This is a method suitable for NFC, in which the NFC reader of the payment device (102) generates a magnetic field, and the NFC device of the terminal (101) is activated by the magnetic field signal of the NFC reader when it comes close to the payment device (102), thereby recognizing the NFC reader.

[0059] Unlike the above methods, the terminal (101) recognizing the payment device (102) using D2D communication can be performed by the payment device (102) recognizing the terminal (101) and notifying the terminal (101) that it is a payment target. To this end, the terminal (101) can broadcast its recognition information via D2D communication. The payment device (102) can receive the recognition information broadcast by the terminal (101) and recognize the terminal (101). At this time, if there are multiple terminals (101) to be recognized, the terminal (101) that is closest in distance or has the highest recognition signal reception power can be selected. After this selection, the payment device (102) can notify the selected terminal (101) that it is a payment target using D2D communication. The terminal (101) can recognize the payment device (102) by receiving the above-described notification. For example, in the case of Bluetooth low energy (BLE) communication, which is a type of Bluetooth, one's own information can be broadcasted through a beacon, etc., and thus, the terminal (101) and the payment device (102) can each broadcast their own recognition information through a beacon. The payment device (102) can receive the recognition information that the terminals (101) broadcast through BLE, recognize the terminals, and notify the terminal (101) with the strongest reception power that it is a payment target through BLE. Then, the terminal (101) that has been notified that it is a payment target can recognize the corresponding payment device (102) through the notification.

[0060] In the step (S402) of wirelessly exchanging payment preparation information, the terminal (101) may exchange information for preparing payment with the payment device (102). Typically, the information exchanged between the payment device (102) and the terminal (101) may include the store name, payment amount, a list of items to be paid, installment payment information, available payment method information, available payment amount among accumulated points, available discount coupons, the user's (104) age, store membership number, membership membership number, and the like. Here, the user's (104) age may be requested for adult verification purposes when purchasing items with age-based purchase restrictions, such as cigarettes. The information required for payment may vary by store or item.

[0061] In the step (S403) of displaying payment schedule information on the screen of the terminal (101), the terminal (101) can display payment-related information exchanged with the payment device (102) and payment execution-related information built into the terminal (101) on the screen to notify the user (104), and this notification can operate even when the terminal (101) is in an off-screen state or a locked-screen state. For example, the above-described notification can be provided as a pop-up window, and the corresponding content can be provided as a pop-up window on the screen of the terminal (101) even when the terminal (101) is in an off-screen state or a locked-screen state. Here, a 'pop-up window' can mean a new window that is suddenly created to display additional content on top of the current screen. For example, when a text message arrives on a typical smartphone, part or all of the text is displayed as a pop-up window on the current screen. The information displayed on the terminal (101) screen may include one or more of the following: store name, payment amount, installment information, available payment amount from accumulated points, available discount coupons, payment card number, card expiration date, and card company. For example, a pop-up message may appear asking, "Would you like to pay 25,000 won at SingSing Mart with a Citi Card?"

[0062] When a pop-up window appears, since the terminal (101) can store multiple cards, a button for selecting another card may be displayed in the pop-up window. The user (104) can then tap the button to select another card. Furthermore, the user (104) can also select a discount coupon or membership card. The user's (104) selection of a payment method is a common and commercially available process. On the other hand, if a discount coupon or membership card is automatically selected and displayed to the user (104), the terminal (101) can receive information related to the discount coupon or membership card from the payment device (102) in step S402 and check whether the terminal (101) has a discount coupon or membership card installed. If there is an available discount coupon or membership card, the user (104) can select it. Alternatively, for convenient payment, the user (104) can set the terminal (101) to automatically use available coupons, gift cards, or membership cards. In this case, the pop-up screen may display automatically applied discount coupons or membership card information. For example, a pop-up message might read, "Would you like to pay 22,500 won at SingSing Mart with your Citi Card? 10% Citi Membership Discount (2,500 won) applied."

[0063] In step S403 of displaying payment information, the user (104) may not easily recognize that the payment information is displayed on the terminal screen. To address the above-described problem, the terminal (101) or payment device (102) may emit a notification sound, or the terminal (101) may perform a notification vibration. Then, the user (104) may recognize the above-described notification, look at the terminal (101) screen, and perform user authentication (S404).

[0064] In the user authentication step (S404), the user (104) inputs information for user authentication into the terminal (101). If a password or pattern input is displayed together with the pop-up window in step S403, the user (104) can input the password or pattern. However, since smartphones from Samsung or Apple provide fingerprint recognition or facial recognition functions, user authentication can also be performed using these.

[0065] Here, when the user (104) inputs a password or pattern, the user (104) may be exposed to the potential risk of his / her password or pattern being known to others around him / her. However, after the above-described notification sound or notification vibration sounds, the user (104) can move the terminal (101) close to the payment device (102) to another location, thereby significantly reducing the risk of exposure to the potential risk. When the terminal (101) and the payment device (102) are close, security can be established between the two, and in this case, even if the user (104) moves the terminal (101) to another location, the terminal (101) and the payment device (102) can communicate while the security is established.

[0066] Among various user authentication methods, "fingerprint recognition" can provide a particularly convenient authentication method. For example, the entire payment process can be completed simply by the user (104) bringing the terminal (101) close to the payment device (102) while in fingerprint recognition mode. This can be performed when the user (104) already knows the payment details, such as the payment amount, through the screen of the payment device (102) and has previously set up a frequently used payment method on the terminal (101). Alternatively, this can be performed when the payment program of the terminal (101) automatically selects a payment method. That is, when a terminal (101) such as a smartphone approaches a payment device (102) while a user's (104) fingerprint is in contact with a fingerprint recognition device, the terminal (101) can recognize the payment device (102) by using the distance between the terminal (101) and the payment device (102) or the reception power of the recognition signal (S401), and payment preparation information can be wirelessly exchanged with the payment device (102) (S402), and the step of displaying payment schedule information (S403) is omitted, and the user authentication step (S404) is performed by a fingerprint in contact with the fingerprint recognition device, and then the payment device (102) can receive payment execution information from the terminal (101) and communicate with the payment system (103) to perform payment (S405). At this time, the terminal (101) exchanges payment execution information related to a preset payment method with the payment device (102). That is, the terminal (101) and payment device (102) can exchange information related to preset cards, open banking, and other payment methods. In particular, when there are multiple preset payment methods, rather than just one, fingerprint recognition can be used more conveniently. For example, the user (104) can place their index or middle finger on the fingerprint recognition device of the terminal (101), and this can be done with either the right or left hand. In this case, the user (104) can have four fingerprints recognized, and four different payment methods can be preset for each fingerprint.The terminal (101) can determine which fingerprint was used for authentication and use a payment method mapped in advance with the fingerprint used for authentication for payment. For example, it can be preset to use a 'Citi Card' for payment using the right index finger, and a 'Samsung Card' for payment using the right middle finger. Meanwhile, fingerprint recognition in the off-screen or locked-screen state can be used for screen unlocking, screen turning on, and payment authentication. That is, the user (104) can set the terminal (101) to perform screen unlocking and screen turning on when a fingerprint is recognized, and in such a case, in order to perform easy payment, the user (104) can perform a payment by placing a finger on the terminal's fingerprint recognition device in the off-screen or locked-screen state and trigger the screen turning on and unlocking.

[0067] When fingerprint recognition is used as described above, a step (S403) of displaying payment information may be performed based on payment settings previously entered by the user (104) into the terminal (101). For example, the content of a pop-up window displayed on the terminal (101) may read, "Requesting payment for 25,000 won at SingSing Mart using a Citi Card." Accordingly, the user (104) can easily recognize that payment is currently being requested.

[0068] In the payment execution step (S405), the payment device (102) and the terminal (101) transmit and receive payment execution information, and the payment device (102) can perform payment with the payment system (103) using the transmitted and received payment execution information. Here, the payment execution information may include the amount to be paid, installment information, accumulated points to be used for payment, discount coupons to be used, payment card number, card expiration date, card company information, etc. In this step, the terminal (101) can use MST communication or NFC communication, which are currently commonly used, and may also use other D2D communication such as UWB or Bluetooth in the future. Since D2D communication such as UWB or Bluetooth has a long communication distance, the user (104) may not bring the terminal (101) closer to the payment device in the above step. However, in the case of MST or NFC communication, since the communication distance is short, the user (104) may have to bring the terminal (101) closer to the payment device (102) again. The payment device (102) communicating with the payment system (103) to perform payment can be implemented in the same manner as the currently commercialized process.

[0069] FIG. 5 is a flowchart illustrating an extended operation of simple payment according to an embodiment of the present invention. Referring to FIG. 5 and FIG. 4, each step from S501 to S505 is the same as each step from S401 to S405. Referring to FIG. 5, when payment is completed in the payment execution step (S505), in the payment approval completion display step (S506), the terminal (101) may receive payment approval completion information from the payment device (102) via D2D communication and display it on the screen of the terminal (101). The approval completion information may include information on the approval time, the name of the card used for approval, the card number used for approval, the approved amount, information on the store where the approval occurred, information on the coupon used for approval, information on the accumulated points used for approval, information on the accumulated points remaining after approval, information on the points generated by the approval, etc. For example, it may be displayed as, "Payment for 25,000 won at SingSing Mart with Citi Card has been completed. 250 won has been accumulated." The card company may provide payment completion information to the user (104) via text message via mobile communication. However, since the service is often paid, the payment device (102) may replace the paid service by transmitting payment approval completion information to the terminal (101). Here, step S506 may be omitted depending on the terminal (101) settings of the user (104).

[0070] In the receipt reception step (S507), the terminal (101) can receive a receipt for payment from the payment device (102) via D2D communication and display it on the screen of the terminal (101). The above-described electronic receipt reception helps the user (104) conveniently check the purchase list, and can be particularly useful when requesting a refund. Since step S507 replaces the receipt being printed on paper, step S507 can reduce paper usage. Step S507 can be omitted depending on the terminal (101) settings of the user (104).

[0071] In the receipt transmission step (S508), the terminal (101) can transmit the payment receipt received in step S507 to the payment device (102) and display it on the screen of the payment device (102). The above-described method can be useful when the user (104) wants a refund. Step S508 can be performed when the user performs an operation such as a refund.

[0072] Figure 6 is a block diagram of a terminal (101) used for simple payment according to one embodiment of the present invention. In Figure 6, the terminal is assigned a different code, 600, than 101, but both 101 and 600 refer to the same terminal.

[0073] Referring to FIG. 6, a terminal (600) may include at least one processor (610), a memory (620), a transmission / reception device (630) connected to a network to perform communication, and a D2D device (640) to perform D2D communication. In addition, the terminal (600) may further include an input interface device (650), an output interface device (660), a storage device (670), etc. Each component included in the terminal (600) may be connected by a bus (680) to perform communication with each other. However, each component included in the terminal (600) may be connected through an individual interface or individual bus centered on the processor (610), rather than a common bus (680). For example, the processor (610) may be connected to at least one of a memory (620), a transceiver (630), a D2D device (640), an input interface device (650), an output interface device (660), and a storage device (670) via a dedicated interface.

[0074] The processor (610) can execute program commands stored in at least one of the memory (620) and the storage device (670). The processor (610) may refer to a central processing unit (CPU), a graphics processing unit (GPU), or a dedicated processor in which methods according to embodiments of the present invention are performed. Each of the memory (620) and the storage device (670) may be configured with at least one of a volatile storage medium and a non-volatile storage medium. For example, the memory (620) may be configured with at least one of a read-only memory (ROM) and a random access memory (RAM).

[0075] The operations of the method according to the embodiments of the present disclosure can be implemented as a computer-readable program or code on a computer-readable recording medium. A computer-readable recording medium includes any type of recording device that stores information readable by a computer system. Furthermore, a computer-readable recording medium can be distributed across network-connected computer systems, allowing the computer-readable program or code to be stored and executed in a distributed manner.

[0076] Additionally, the computer-readable recording medium may include hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, etc. The program instructions may include not only machine language codes produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter, etc.

[0077] While some aspects of the present disclosure have been described in the context of a device, they may also represent a description of a corresponding method, wherein a block or device corresponds to a method step or a feature of a method step. Similarly, aspects described in the context of a method may also be described as a corresponding block or item or a feature of a corresponding device. Some or all of the method steps may be performed by (or using) a hardware device, such as, for example, a microprocessor, a programmable computer, or an electronic circuit. In some embodiments, at least one or more of the most important method steps may be performed by such a device.

[0078] In embodiments, a programmable logic device (e.g., a field-programmable gate array) may be used to perform some or all of the functions of the methods described herein. In embodiments, the field-programmable gate array may operate in conjunction with a microprocessor to perform one of the methods described herein.

[0079] Although the present disclosure has been described with reference to preferred embodiments thereof, it will be understood by those skilled in the art that various modifications and changes may be made to the present disclosure without departing from the spirit and scope of the present disclosure as set forth in the claims below.

[0080] There is.

Claims

1. A method for providing simple payment by a terminal with a simple payment application installed. A step of recognizing a payment device using device to device (D2D) communication in a screen-off or lock screen state; A step of wirelessly exchanging payment preparation information with the above payment device; A step in which payment information is displayed on the screen of the terminal; A step of receiving user authentication information from the user; and Comprising a step of transmitting the payment execution information to the payment device, Easy payment method 2. In paragraph 1, The terminal-to-terminal communication used by the terminal to recognize the payment device includes at least one of Bluetooth, near field communication (NFC), magnetic secure transmission (MST), ultra-wideband (UWB) communication, and Wi-Fi direct. Easy payment method 3. In paragraph 1, In the step of recognizing the above payment device using terminal-to-terminal communication, The above terminal receives payment device recognition information broadcast by the payment device using terminal-to-terminal communication. Easy payment method 4. In paragraph 1, The conditions for the above terminal to recognize the above payment device using terminal-to-terminal communication are: The terminal approaches the payment device within a predetermined threshold distance, or the reception power of the wireless signal transmitted by the payment device from the terminal is higher than the predetermined threshold power, or the terminal-to-terminal communication device of the terminal is activated by a signal transmitted by the payment device. Easy payment method 5. In paragraph 1, In the step where the terminal recognizes the payment device using terminal-to-terminal communication, The above terminal is notified by terminal-to-terminal communication that it is a payment target from the above payment device. Easy payment method 6. In paragraph 5, The above terminal is notified by the payment device that it is a payment target. The payment device selects the terminal as the closest terminal to the payment device and receives a terminal-to-terminal communication signal notifying the terminal that it is a payment target, or the payment device selects the terminal as the terminal with the highest reception power of the terminal-to-terminal communication signal and receives a terminal-to-terminal communication signal notifying the terminal that it is a payment target. Easy payment method 7. In paragraph 1, Payment preparation information exchanged wirelessly with the above payment device is: Contains at least one of the following: store name, payment amount, installment information, available payment amount from accumulated points, available discount coupons, and user personal information. Easy payment method 8. In paragraph 1, The payment information displayed on the screen of the above terminal is: Including at least one of the following: store name, amount to be paid, name of card to be paid, installment information, amount available for payment from accumulated points, and available discount coupons. Easy payment method 9. In paragraph 1, At the stage where the payment schedule information is displayed on the screen of the terminal, The above payment information is displayed as a pop-up when the screen is off or locked. Easy payment method 10. In paragraph 1, The method for the above terminal to receive user authentication information from the user is as follows: Including at least one of fingerprint recognition, facial recognition, pattern recognition, and password input. Easy payment method 11. In paragraph 1, When the terminal recognizes the payment device and wirelessly exchanges payment preparation information with the payment device, user authentication is performed on the terminal. The above terminal omits the step of receiving user authentication information from the user. Easy payment method 12. In paragraph 1, When the terminal recognizes the payment device and wirelessly exchanges payment preparation information with the payment device, user authentication is performed on the terminal. The above terminal simultaneously omits the step of displaying the payment schedule information on the screen of the above terminal and the step of receiving user authentication information from the user. Easy payment method 13. In paragraph 1, When the terminal recognizes the payment device and wirelessly exchanges payment preparation information with the payment device, user authentication is performed on the terminal. If the authentication method is a fingerprint, the terminal uses a payment method pre-mapped with the fingerprint used for the authentication for the payment. Easy payment method 14. In paragraph 1, After the step of recognizing the payment device using terminal-to-terminal communication while the screen is off or locked, further comprising a step of transmitting a recognition notification sound or performing a notification vibration, Easy payment method 15. In paragraph 1, After the step of transmitting the payment execution information to the payment device, The terminal further includes a step of receiving payment approval completion information from the payment device and displaying the received information on the screen of the terminal. Easy payment method 16. In paragraph 1, After the step of transmitting the payment execution information to the payment device, Further comprising a step of receiving a receipt for the payment from the payment device and displaying the received receipt on the screen of the terminal. Easy payment method 17. In paragraph 16, After the step of receiving a receipt for the payment from the payment device, Further comprising a step of transmitting the received payment receipt to the payment device or another payment device capable of receiving the payment receipt. Easy payment method 18. An application stored in a recording medium that enables a terminal to perform the following functions, wherein the functions are: Ability to recognize a payment device using terminal-to-terminal communication while the screen is off or locked; Ability to wirelessly exchange payment preparation information with the above payment device; A function for displaying the payment schedule information on the screen of the terminal; A function to receive user authentication information from the user; and Including a function of transmitting the payment execution information to the payment device, Easy payment application

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