Electronic device and fraudulent payment detection method for same

Abstract

Disclosed is a fraudulent payment detection method for an electronic device, the method comprising the steps of: checking payment information related to fuel of a vehicle; checking information related to an increase in fuel of the vehicle corresponding to the payment information on the basis of fuel information of the vehicle; and determining whether the payment information is fraudulent payment information on the basis of the information related to the increase in fuel of the vehicle.

Description

Electronic device and method for detecting fraudulent payments thereof

[0001] The present disclosure relates to an electronic device and a method for detecting fraudulent payments thereof.

[0002] Embezzlement through fraudulent fuel payments is a common and challenging problem for companies operating large numbers of commercial vehicles. While the methods of embezzlement vary, common examples include prepaying for fuel at a gas station using a fuel payment method and then selling the fuel coupons received through the prepayment to others for a cash gain, or refueling a personal vehicle instead of a commercial vehicle after payment.

[0003] The damage caused to companies by embezzlement is undeniable. However, adding verification procedures related to fuel payments would increase the complexity of the process, leading to increased inefficiency. Furthermore, attempting to monitor fraudulent payments separately would consume significant administrative resources, making it difficult to prevent embezzlement through fraudulent fuel payments. Therefore, a method is needed that monitors fraudulent payments without complicating fuel payment procedures and with minimal administrative effort.

[0004] In this regard, reference can be made to prior literature such as KR10-2022-0102597.

[0005] The disclosed embodiments provide an electronic device and a method for detecting fraudulent payments. Specifically, the primary purpose is to provide a method for automatically monitoring fraudulent payments without complicating the fuel payment process and with minimal administrative effort.

[0006] The technical tasks to be achieved by this embodiment are not limited to the technical tasks described above, and other technical tasks can be inferred from the following embodiments.

[0007] One aspect of the present disclosure provides a method for detecting fraudulent payment in an electronic device, the method comprising: verifying payment information related to fuel of a vehicle; verifying information related to an increase in fuel of the vehicle corresponding to the payment information based on the fuel information of the vehicle; and determining whether the payment information is fraudulent payment information based on the information related to the increase in fuel of the vehicle.

[0008] In one embodiment of the present disclosure, the step of verifying the payment information may include a method for detecting fraudulent payment, including a step of obtaining the payment information including at least one of time information, location information, and payment amount information at which the payment was made through a payment means from a payment server.

[0009] Additionally, in one embodiment of the present disclosure, the fuel information may be obtained from a vehicle terminal installed in the vehicle capable of acquiring GPS information and performing on-board diagnostics (OBD), and the fuel information may include a method for detecting fraudulent payment, wherein the fuel information includes information on the fuel amount of the vehicle by time and location.

[0010] In addition, in one embodiment of the present disclosure, the step of verifying the payment information includes a step of verifying the time information at which the payment was made, which is included in the payment information, and the step of verifying information related to an increase in the fuel of the vehicle includes a step of verifying, based on the fuel information, information as to whether the fuel of the vehicle has increased within a valid time range based on the time information, and the step of determining whether the payment information is the fraudulent payment information includes a step of verifying, based on the information related to an increase in the fuel of the vehicle, (i) if it is verified that the fuel of the vehicle has increased within the valid time range, verifying the payment information as normal payment information, and (ii) if it is verified that the fuel of the vehicle has not increased within the valid time range, verifying the payment information as fraudulent payment information.

[0011] In addition, in one embodiment of the present disclosure, the step of determining whether the payment information is the fraudulent payment information may include a step of confirming the payment information as normal payment information when it is confirmed that both a condition based on the valid time range and a condition confirmed based on the valid location range are satisfied, wherein the valid location range may include a fraudulent payment detection method in which the payment is confirmed based on location information included in the payment information where the payment was made.

[0012] In addition, in one embodiment of the present disclosure, the step of verifying the payment information includes a step of verifying payment amount information included in the payment information, for which payment has been made, and the step of verifying information related to an increase in fuel of the vehicle includes a step of verifying information related to an increase in fuel of the vehicle, which is at least a part of information related to an increase in fuel of the vehicle, and the step of determining whether the payment information is the fraudulent payment information includes a step of calculating a match rate of the increase amount information to the payment amount information; and a step of verifying the payment information as normal payment information when the match rate is equal to or greater than a threshold, and verifying the payment information as fraudulent payment information when the match rate is less than the threshold.

[0013] In addition, in one embodiment of the present disclosure, the step of calculating the matching rate may include a method for detecting fraudulent payments, including the step of calculating value information corresponding to information related to the fuel increase based on the fuel price information and the increase amount information; and the step of calculating the matching rate by comparing the value information and the payment amount information.

[0014] In addition, in one embodiment of the present disclosure, the step of calculating the matching rate may further include, in response to a calculation result of the matching rate being below a threshold value, a step of: (i) checking first comparison information between information on the time at which the payment was made, which is included in the payment information, and (ii) information on the time at which the fuel increased, which is included in the information related to the fuel increase; a step of calculating at least one first correction value for the increase amount information based on the first comparison information and information on the average fuel consumption per hour of the vehicle; and a step of adjusting the matching rate based on the first correction value.

[0015] In addition, in one embodiment of the present disclosure, the step of calculating the matching rate may further include, in response to a calculation result of the matching rate being below a threshold value, a step of: (i) checking second comparison information between the payment location information included in the payment information and (ii) the fuel increased location information included in the fuel increase related information; calculating at least one second correction value for the increase information based on the second comparison information and the information on the average fuel consumption per distance of the vehicle; and adjusting the matching rate based on the second correction value.

[0016] In addition, in one embodiment of the present disclosure, the step of determining whether the payment information is the fraudulent payment information may further include a fraudulent payment detection method including the steps of: checking the misjudgment history information for the fraudulent payment of the vehicle; calculating a third correction value based on the misjudgment history information; and adjusting the threshold based on the third correction value.

[0017] In addition, in one embodiment of the present disclosure, the step of verifying the payment information includes a step of verifying location information where the payment was made, which is included in the payment information, the step of verifying information related to an increase in the fuel of the vehicle includes a step of verifying information on whether the fuel of the vehicle has increased within a valid location range based on the location information, and the step of determining whether the payment information is the fraudulent payment information includes a step of verifying the payment information as normal payment information, based on the information related to an increase in the fuel of the vehicle, and (ii) verifying the payment information as fraudulent payment information, if the fuel of the vehicle is verified to have increased within the valid location range.

[0018] In addition, in one embodiment of the present disclosure, a method for detecting fraudulent payment may further include a step of transmitting information about the vehicle, information about the fuel increase, and the payment information to an administrator terminal in response to determining whether the payment information is fraudulent payment information.

[0019] Another aspect of the present disclosure provides an electronic device for detecting fraudulent payments, comprising: a processor; and a memory storing one or more instructions, wherein the processor is configured to: verify payment information related to fuel of a vehicle; verify information related to an increase in fuel of the vehicle corresponding to the payment information based on the fuel information of the vehicle; and determine, based on the information related to the increase in fuel of the vehicle, whether the payment information is fraudulent payment information.

[0020] Another aspect of the present disclosure may provide a computer-readable, non-transitory recording medium having recorded thereon a program for executing the above-described fraudulent payment detection method on a computer.

[0021] Specific details of other embodiments are included in the detailed description and drawings.

[0022] According to the proposed embodiment, one or more of the following effects can be expected.

[0023] According to the embodiments of this specification, embezzlement through fraudulent payments can be automatically monitored with little administrative power and without complicating the fuel payment procedure.

[0024] In addition, in the case of embodiments of the present specification, if an increase in fuel is not immediately detected due to various reasons such as a sensor malfunction, the misjudgment of fraudulent payments can be reduced by adjusting the matching rate based on the correction value.

[0025] In addition, according to the embodiment of the present specification, by adjusting the threshold based on the history of misjudgment as fraudulent payment, a relaxed standard can be applied to vehicles that have been misjudgment as fraudulent payment due to various reasons such as sensor abnormalities, thereby reducing misjudgment as fraudulent payment.

[0026] The effects of the present disclosure are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description of the claims.

[0027] FIG. 1 illustrates the interlocking relationship of an electronic device for detecting fraudulent payments according to one embodiment.

[0028] FIG. 2 is a flowchart illustrating a method for detecting fraudulent payments according to one embodiment.

[0029] FIG. 3 is a flowchart illustrating one embodiment of a method for detecting fraudulent payments based on time information.

[0030] Figure 4 is a flowchart illustrating one embodiment of a method for detecting fraudulent payments based on increase amount information.

[0031] FIG. 5 is a flowchart illustrating one embodiment of a method for detecting fraudulent payments based on increase amount information and at least one of the first and second correction values.

[0032] Figure 6 is a flowchart illustrating one embodiment of a method for detecting fraudulent payments based on increase amount information and a third correction value.

[0033] FIG. 7 is a flowchart illustrating one embodiment of a method for detecting fraudulent payments based on increase amount information and at least one of the first and second correction values ​​and the third correction value.

[0034] Figure 8 is an example of vehicle-specific payment information and information related to fuel increase transmitted to the administrator terminal.

[0035] Figure 9 illustrates a block diagram of an electronic device according to one embodiment.

[0036] The terms used in the examples have been selected from widely used, current terms, taking into account the functions of the present disclosure. However, these terms may vary depending on the intentions of those skilled in the art, precedents, the emergence of new technologies, etc. Furthermore, in certain cases, terms may be arbitrarily selected by the applicant, in which case their meanings will be described in detail in the relevant description. Therefore, the terms used in this disclosure should not be defined simply as names, but rather based on the meanings of the terms and the overall content of the present disclosure.

[0037] When a part of a specification is said to "include" a component, this does not mean that it excludes other components, but rather that it may include other components, unless otherwise stated.

[0038] The expression "at least one of a, b, and c" described throughout the specification may encompass 'a alone', 'b alone', 'c alone', 'a and b', 'a and c', 'b and c', or 'all of a, b, and c'.

[0039] The "terminal" mentioned below may be implemented as a computer or portable terminal that can connect to a server or other terminal via a network. Here, the computer includes, for example, a notebook, desktop, laptop, etc. equipped with a web browser, and the portable terminal may include, for example, a wireless communication device that guarantees portability and mobility, and may include all types of handheld-based wireless communication devices such as communication-based terminals such as IMT (International Mobile Telecommunication), CDMA (Code Division Multiple Access), W-CDMA (W-Code Division Multiple Access), LTE (Long Term Evolution), smartphones, tablet PCs, etc.

[0040] Below, embodiments of the present disclosure are described in detail with reference to the attached drawings so that those skilled in the art can easily implement the present disclosure. However, the present disclosure may be implemented in various different forms and is not limited to the embodiments described herein.

[0041] Hereinafter, embodiments of the present disclosure will be described in detail with reference to the drawings.

[0042] FIG. 1 illustrates the interlocking relationship of an electronic device for detecting fraudulent payments according to one embodiment.

[0043] Referring to FIG. 1, the electronic device (100) can operate via a network and in conjunction with a vehicle terminal (200) and a payment server (300). Meanwhile, the system illustrated in FIG. 1 only illustrates components related to the present embodiment. Therefore, those skilled in the art will appreciate that, in addition to the components illustrated in FIG. 1, other general-purpose components may be included.

[0044] An electronic device (100) is a device that configures and provides various types of information. The electronic device (100) may provide the configured information as a web page or application screen, or may provide the information in a form that can be displayed as a web page or application screen on a receiving terminal.

[0045] The electronic device (100) can check fuel information or information related to an increase in the fuel level of the vehicle from the vehicle terminal (200). The fuel information may include information on the fuel amount by time and location of the vehicle in which the vehicle terminal (200) is installed. Such fuel information can be checked from the vehicle terminal (200) capable of acquiring GPS information and performing on-board diagnostics (OBD). To acquire the fuel information, the vehicle terminal (200) may include a sensor capable of measuring fuel information, such as a fuel amount sensor. In addition, the electronic device (100) can check information related to an increase in the fuel level of the vehicle, which will be described later, based on the fuel information. Here, the information related to the increase in fuel may be acquired by the electronic device (100) performing a calculation based on the fuel information acquired from the vehicle terminal (200), or may be acquired by the vehicle terminal (200) performing a calculation based on the fuel information acquired by itself and transmitting the calculated information to the electronic device (100).

[0046] Additionally, the electronic device (100) can verify payment information from the payment server (300). The payment server (300) may be a server that performs payment using a designated payment method for a vehicle in which the vehicle terminal (200) is installed. The electronic device (100) can obtain payment information including at least one of payment time information, location information, and payment amount information from the payment server (300).

[0047] FIG. 2 is a flowchart illustrating a method for detecting fraudulent payments according to one embodiment.

[0048] Referring to FIG. 2 , in step S210, the electronic device (100) can verify payment information related to the vehicle's fuel. In step S220, the electronic device (100) can verify information related to an increase in the vehicle's fuel corresponding to the payment information based on the vehicle's fuel information. In step S230, the electronic device (100) can determine whether the payment information is fraudulent based on the information related to the increase in the vehicle's fuel. Each step will be described in more detail below.

[0049] According to one embodiment, as described above, the electronic device (100) can verify payment information including at least one of payment time information, location information, and payment amount information related to vehicle fuel from the payment server (300). Here, with respect to the time information, location information, and payment amount information included in the payment information, as will be described later, one or a combination of these may be used depending on the embodiment.

[0050] Furthermore, according to one embodiment, the electronic device (100) may, based on the fuel information, identify information related to an increase in the fuel of the vehicle corresponding to the payment information. Here, the information related to the fuel increase may include various types of information depending on the embodiment and situation. For example, the information related to the fuel increase may include information regarding whether the fuel of the vehicle has increased within a valid time range determined based on the time information of the payment, or information regarding whether the fuel of the vehicle has increased within a valid location range determined based on the location information of the payment. Furthermore, according to one embodiment, the information related to the fuel increase may include information regarding the time when the fuel increase was detected, location information, and increase amount information, assuming that the fuel increase itself has been detected. As described above, the information related to the fuel increase is identified based on the fuel information, and since the fuel information includes information regarding the fuel amount of the vehicle by time and location, the information related to the fuel increase identified based on such fuel information may include the aforementioned information.

[0051] Hereinafter, various embodiments in which an electronic device (100) determines whether payment information is fraudulent payment information based on information related to an increase in the fuel level of a vehicle will be described with reference to FIGS. 3 to 7.

[0052] FIG. 3 is a flowchart illustrating one embodiment of a method for detecting fraudulent payments based on time information.

[0053] Referring to FIG. 3, the electronic device (100) can verify the time information at which payment was made based on the payment information. Thereafter, the electronic device (100) can verify the valid time range based on the time information. In addition, the electronic device (100) can verify information related to the increase in vehicle fuel, including information regarding whether the vehicle's fuel has increased within the valid time range, based on the fuel information. Thereafter, if the electronic device (100) determines that the vehicle's fuel has increased within the valid time range based on the information related to the increase in fuel, the electronic device (100) can verify the payment information as normal payment information, and if the vehicle's fuel has not been verified to have increased within the valid time range, the electronic device (100) can verify the payment information as fraudulent payment information. Here, the valid time range can be determined in various ranges based on the time information. For example, it can be determined as several times the operating cycle of the fuel level sensor of the vehicle terminal (200). For example, if the fuel level sensor operates once per minute, the valid time range can be set to a range within 5 minutes of the payment time. Alternatively, embodiments may be possible in which the valid time range is set variably or with various values ​​unrelated to the fuel level sensor's cycle.

[0054] Furthermore, according to one embodiment, in addition to the above-described embodiments, an embodiment may be possible to further verify conditions based on the valid location range to determine whether a payment has been fraudulent. That is, the electronic device (100) verifies payment information as normal only when conditions verified based on the valid location range are also satisfied in addition to the conditions based on the aforementioned valid time range, and verifies payment information as fraudulent if even one of the conditions is not satisfied. Here, the valid location range may be verified based on the location information of the location where the payment was made, i.e., the gas station. For example, the valid location range may be set within a certain radius or a certain path distance from the location where the payment was made. Alternatively, the valid location range may be determined based on the administrative district of the location where the payment was made or in various other ways.

[0055] Figure 4 is a flowchart illustrating one embodiment of a method for detecting fraudulent payments based on increase amount information.

[0056] Referring to FIG. 4, the electronic device (100) can verify the payment amount information included in the payment information based on the payment information. Furthermore, the electronic device (100) can verify the increase in the vehicle's fuel amount as at least part of the information related to the increase in fuel. Thereafter, the electronic device (100) can calculate a match rate between the increase information and the payment amount information. If the match rate is above a threshold, the electronic device (100) can confirm the payment information as normal payment information. If the match rate is below the threshold, the electronic device (100) can confirm the payment information as fraudulent payment information.

[0057] Specifically, the electronic device (100) can calculate price information corresponding to information related to fuel increase based on the increase amount information and the fuel price information. Here, the fuel price information can be confirmed based on the fuel price information of the gas station confirmed based on the location information included in the payment information where the payment was made, or can be confirmed based on the average fuel price in the relevant region or the average fuel price nationwide, or various other methods for estimating the price of the fuel filled can be used to confirm. Thereafter, the price information can be confirmed by multiplying the fuel price information and the increase amount information. For example, if the increase amount information is 30L and the fuel price information is confirmed as 1,600 won, the price information can be confirmed as 48,000 won. Thereafter, the electronic device (100) can calculate a match rate as the ratio of the price information to the payment amount information. For example, if the payment amount information is 49,000 won, the match rate can be calculated as 97.9%. Thereafter, the electronic device (100) can confirm the payment information as normal payment information if the matching rate is above a threshold, and can confirm the payment information as fraudulent payment information if the matching rate is below the threshold. Here, the threshold may be a specific numerical value, such as a percentage value of 90%, and may be determined based on the reliability of the fuel price information and the fuel level sensor. For example, if the fuel price information is confirmed to be the average fuel price of the region or the country rather than the price of the gas station, the fuel price information may be inaccurate, so the threshold may be set relatively low. Furthermore, if the fuel level sensor is highly reliable, the threshold may be set relatively high, but if the reliability is low, the threshold may need to be relatively low.

[0058] FIG. 5 is a flowchart illustrating one embodiment of a method for detecting fraudulent payments based on increase amount information and at least one of the first and second correction values.

[0059] Referring to FIG. 5, a modified embodiment of the method for detecting fraudulent payments based on increment information, as described in FIG. 4, can be seen. That is, the process of verifying payment amount information, verifying increment information, calculating a match rate, and then comparing the size with a threshold may be identical. The embodiment of FIG. 5 may further include a process of calculating at least one of the first and second correction values ​​and then adjusting the match rate if the match rate is below the threshold. The calculation process for each of the first and second correction values ​​will be described in detail below.

[0060] According to one embodiment, the electronic device (100) may check first comparison information between the time information of the payment made, which is included in the payment information, and the time information of the fuel increase, which is included in the information related to the fuel increase. Thereafter, based on the first comparison information and the information on the average fuel consumption per hour of the vehicle, at least one first correction value for the increase information may be calculated. That is, there may be some difference between the time information of the payment made and the time information of the fuel increase due to various reasons, such as a sensor abnormality, a system error, or a mismatch between the sensor's measurement cycle and the payment time. Therefore, the first comparison information may be calculated by comparing each piece of time information, and the first correction value may be calculated by multiplying the first comparison information by the average fuel consumption per hour of the vehicle. For example, in a situation where the time information of the payment made indicates 13:32, if the fuel amount sensor operates once every 5 minutes, the time information of the fuel increase may indicate 13:35. In this case, the first comparison information indicating 3 minutes can be multiplied by the vehicle's average hourly fuel consumption, for example, 0.1 L / min, to calculate the first correction value of 0.3 L. Thereafter, the increase amount information can be adjusted based on the first correction value, and the matching rate can be adjusted based on the adjusted increase amount information. For example, the electronic device (100) can add the price corresponding to 0.3 L to the price information and then recalculate the matching rate. Through such an embodiment, cases where the matching rate is calculated low due to the difference between the payment time and the fuel increase detection time can be corrected.

[0061] According to one embodiment, the electronic device (100) may check second comparison information between the location information where the payment was made, which is included in the payment information, and the location information where the fuel increased, which is included in the information related to the fuel increase. Thereafter, at least one second correction value for the increase information may be calculated based on the second comparison information and the information on the average fuel consumption per distance of the vehicle. That is, there may be some differences between the location information where the payment was made and the location information where the fuel increased due to various reasons, such as a sensor abnormality, a system error, a mismatch between the sensor measurement cycle and the payment time (movement during the time between the payment time and the sensor measurement time). Therefore, the second comparison information may be calculated by comparing each location information, and the second correction value may be calculated by multiplying the second comparison information by the average fuel consumption per distance of the vehicle. For example, the location information where the payment was made may indicate a predetermined location, and the location information where the fuel increased may indicate a location 1.5 km away from the predetermined location on the route. In this case, the second comparison information indicating 1.5 km can be multiplied by the vehicle's average fuel consumption per distance, for example, 0.15 L / km, to calculate the second correction value of 0.225 L. Thereafter, the increase amount information can be adjusted based on the second correction value, and the matching rate can be adjusted based on the adjusted increase amount information. For example, the electronic device (100) can add the price corresponding to 0.225 L to the price information and then recalculate the matching rate. Through such an embodiment, cases where the matching rate is calculated low due to the difference between the payment location and the fuel increase detection location can be corrected.

[0062] Embodiments that utilize the first and second correction values ​​described above together are also possible. For example, the weighted average of the first and second correction values ​​could be used to adjust the increment information, or the smaller or larger value of the first and second correction values ​​could be used to adjust the increment information, and other various embodiments are possible.

[0063] In addition, the average fuel consumption per hour and the average fuel consumption per distance, which are used to calculate the first and second correction values, respectively, may be assigned values ​​for each vehicle based on information about the vehicle type and fuel type of each vehicle.

[0064] Figure 6 is a flowchart illustrating one embodiment of a method for detecting fraudulent payments based on increase amount information and a third correction value.

[0065] Referring to FIG. 6, a modified embodiment of the method for detecting fraudulent payments based on increment information described in FIG. 4 can be confirmed. Referring to FIG. 6, the electronic device (100) can confirm the increment information and then check the misjudgment history information. Furthermore, the electronic device (100) can calculate a third correction value based on the misjudgment history information. Thereafter, the threshold can be adjusted based on the third correction value. The misjudgment history information may include information regarding a case where the electronic device (100) determined that a fraudulent payment occurred using a payment method corresponding to the vehicle, but in reality, the fraudulent payment did not occur. This situation may occur due to a sensor failure or other various reasons. For example, the electronic device (100) may make an incorrect judgment due to a sensor failure. In this case, the electronic device (100) can adjust the threshold based on the third correction value. For example, the electronic device (100) can determine the number of times a vehicle has been misjudged within a recent specified period based on misjudgement history information, and then adjust the threshold based on a third correction value specified for each range. For example, if a single vehicle has been misjudged five times within a month, the threshold can be lowered by 20%, if there have been three misjudgements, the threshold can be lowered by 10%, and if there has been one misjudgement, the threshold can be lowered by 5%. In other words, the third correction value can refer to a value used to lower the threshold.

[0066] FIG. 7 is a flowchart illustrating one embodiment of a method for detecting fraudulent payments based on increase amount information and at least one of the first and second correction values ​​and the third correction value.

[0067] Referring to FIG. 7, an embodiment that integrates the embodiments described with reference to FIGS. 5 and 6 can be examined. That is, the electronic device (100) can verify payment amount information, verify increase amount information, and then, in parallel with calculating a matching rate, perform verification of misjudgment history information, calculation of a third correction value, and threshold adjustment based thereon. Thereafter, the calculated matching rate is compared with the adjusted threshold, and if the matching rate is greater than or equal to the adjusted threshold, the payment information can be determined to be normal payment information. If the matching rate is less than the adjusted threshold, at least one of the first and second correction values ​​can be calculated and the matching rate can be adjusted based thereon. Thereafter, the adjusted matching rate is compared with the adjusted threshold, and if the adjusted matching rate is less than the adjusted threshold despite the adjustment, the payment information can be determined to be fraudulent payment information. If the adjusted matching rate is greater than or equal to the adjusted threshold, the payment information can be determined to be normal payment information.

[0068] In addition to the embodiments based on FIGS. 3 to 7, embodiments based on conditions related to the above-described valid location range are also possible, which will be described below. That is, according to one embodiment, the electronic device (100) can check the location information where the payment was made, which is included in the payment information. Thereafter, the electronic device (100) can check the valid location range based on the location information where the payment was made. Here, the valid location range may be a range within a certain radius distance or a certain path distance from the location where the payment was made, as described above. Thereafter, the electronic device (100) can check information on whether the vehicle's fuel has increased within the valid location range. In addition, if the electronic device (100) determines that the vehicle's fuel has increased within the valid location range based on the information related to the increase in the vehicle's fuel, the electronic device (100) can determine the payment information as normal payment information, and if the vehicle's fuel has not been determined to have increased within the valid location range, the electronic device can determine the payment information as fraudulent payment information. In this way, instead of the condition based on the valid time range described in FIG. 3, an embodiment based on a condition based on the valid location range is also possible.

[0069] If it is determined that payment information is fraudulent or legitimate based on at least one of the embodiments described above, the electronic device (100) can transmit vehicle information, fuel increase information, and payment information to the administrator terminal. Refer to FIG. 8 for an example of transmitting the above information to the administrator terminal.

[0070] Figure 8 is an example of vehicle-specific payment information and information related to fuel increase transmitted to the administrator terminal.

[0071] Referring to FIG. 8, examples of vehicle information, fuel increase information, and payment information transmitted to the administrator terminal can be examined. For example, for the Seoul 12x1234 vehicle, the price information and payment information are almost identical at 49,600 won and 49,500 won, respectively, and the matching rate is above the threshold, so it can be confirmed that the corresponding payment information is determined to be normal payment information. In contrast, it can be confirmed that the payment information corresponding to the Gyeongbuk 78x8846 vehicle and the Jeju 91x4487 vehicle are determined to be fraudulent payment information. For the Gyeongbuk 78x8846 vehicle, the fuel increase corresponding to the payment time information is not detected, and for the Jeju 91x4487 vehicle, the fuel increase corresponding to the payment amount information is not detected. For the Gyeonggi 34x5678 vehicle and the Chungnam 56x9876 vehicle, it can be confirmed that the payment information is determined to be normal payment information through the modified example described above. That is, the payment information of the Gyeonggi 34x5678 vehicle would be judged as fraudulent payment information based on the basic threshold, but as can be confirmed in the remarks column, it can be confirmed that it was judged as normal payment information by applying an adjusted threshold based on the misjudgment history information. In addition, in the case of the Chungnam 56x9876 vehicle, the payment was made at 05:30, but the fuel increase was detected at 07:59, and the payment location is C-dong Tagil 78, but the fuel increase was detected at C-dong Da-gil 46. As can be confirmed, the detection of the fuel increase was delayed, so by reflecting the fuel consumption during that time through the first or second correction value, the price information was corrected to 23,800 won, and it can be confirmed that the payment information was judged as normal payment information. Referring to Fig. 8, such information can be displayed in the remarks column so that the administrator can easily check it. The judgment result for each payment information included in the examples described above can be derived by performing a fraudulent payment detection method according to each of the above-described embodiments or a combination thereof.

[0072] Here, the information transmitted to the administrator terminal may include, in addition to the information shown in FIG. 8, information such as how much each vehicle used the gas station designated for each management camp, and whether each payment information corresponds to a payment made at the gas station designated for each management camp. Furthermore, the electronic device (100) has information on the type of fuel used by each vehicle, and even if each vehicle uses a different type of fuel, it can determine whether payment information is fraudulent for each vehicle based on each of the aforementioned embodiments or a combination thereof. Furthermore, the fraudulent payment detection method according to each of the aforementioned embodiments or a combination thereof may be performed in real time each time a payment occurs, or may be performed by collecting payments made over a specific period of time. For example, fraudulent payments may be detected all at once by collecting payment information made over a period of time, such as a week or a month, or fraudulent payments may be detected for each payment in real time. When performing the fraudulent payment detection method by collecting payments made over a specific period of time, fuel price information on the first day of the specific period or another representative day may be used.

[0073] Figure 9 illustrates a block diagram of an electronic device according to one embodiment.

[0074] The electronic device (100) may include, according to one embodiment, a memory (101) and a processor (102). The electronic device (100) illustrated in FIG. 9 only illustrates components related to the present embodiment. Therefore, those skilled in the art will appreciate that, in addition to the components illustrated in FIG. 9, other general-purpose components may be included. In one embodiment, the processor (102) may be included in a controller.

[0075] The processor (102) can control the overall operation of the electronic device (100) and process data and signals. The processor (102) can be composed of at least one hardware unit. In addition, the processor (102) can operate by one or more software modules generated by executing program codes stored in the memory (101). The processor (102) can include a memory, and the processor (102) can control the overall operation of the electronic device (100) and process data and signals by executing program codes stored in the memory.

[0076] The processor (102) may be configured to verify payment information related to fuel of the vehicle, verify information related to an increase in fuel of the vehicle corresponding to the payment information based on the fuel information of the vehicle, and determine whether the payment information is fraudulent payment information based on the information related to the increase in fuel of the vehicle.

[0077] Depending on the embodiment, the electronic device (100) may additionally include a transceiver for performing wired / wireless communication. The electronic device (100) may communicate with an external electronic device using the transceiver. The external electronic device may be a terminal or a server. In addition, the communication technologies used by the transceiver may include GSM (Global System for Mobile communication), CDMA (Code Division Multi Access), LTE (Long Term Evolution), 5G, WLAN (Wireless LAN), Wi-Fi (Wireless-Fidelity), Bluetooth (Bluetooth), RFID (Radio Frequency Identification), Infrared Data Association (IrDA), ZigBee, NFC (Near Field Communication), etc.

[0078] The electronic device according to the above-described embodiments may include a processor, a memory for storing and executing program data, permanent storage such as a disk drive, a communication port for communicating with an external device, a user interface device such as a touch panel, a key, a button, etc. The methods implemented as software modules or algorithms may be stored on a computer-readable recording medium as computer-readable codes or program instructions executable on the processor. Here, the computer-readable recording medium includes a magnetic storage medium (e.g., read-only memory (ROM), random-access memory (RAM), floppy disk, hard disk, etc.) and an optical reading medium (e.g., CD-ROM, DVD: Digital Versatile Disc)). The computer-readable recording medium may be distributed to computer systems connected to a network, so that the computer-readable code may be stored and executed in a distributed manner. The medium may be readable by a computer, stored in a memory, and executed by a processor.

[0079] The present embodiment may be represented by functional block configurations and various processing steps. These functional blocks may be implemented by various hardware and / or software configurations that perform specific functions. For example, the embodiment may employ direct circuit configurations such as memory, processing, logic, look-up tables, etc., which may perform various functions under the control of one or more microprocessors or other control devices. Similarly, the present embodiment may be implemented in a programming or scripting language such as C, C++, Java, assembler, etc., including various algorithms implemented as a combination of data structures, processes, routines, or other programming configurations. Functional aspects may be implemented as algorithms that execute on one or more processors. Furthermore, the present embodiment may employ conventional techniques for electronic configuration, signal processing, and / or data processing. Terms such as "mechanism," "element," "means," and "composition" can be used broadly and are not limited to mechanical or physical structures. These terms can also encompass a series of software routines, such as those associated with a processor.

[0080] The above-described embodiments are merely examples, and other embodiments may be implemented within the scope of the claims set forth below.

Claims

1. A method for detecting fraudulent payment of an electronic device, Steps to verify payment information related to the vehicle's fuel; A step of checking information related to an increase in fuel of the vehicle corresponding to the payment information based on the fuel information of the vehicle; and A method for detecting fraudulent payment, comprising the step of determining whether the payment information is fraudulent payment information based on information related to an increase in fuel of the vehicle.

2. In paragraph 1, The steps to verify the above payment information are: A method for detecting fraudulent payment, comprising the step of obtaining payment information including at least one of time information, location information, and payment amount information at which payment was made through a payment method from a payment server.

3. In paragraph 1, The above fuel information is obtained from a vehicle terminal installed in the vehicle capable of obtaining GPS information and performing on-board diagnostics (OBD). A method for detecting fraudulent payments, wherein the fuel information includes information on the amount of fuel in the vehicle by time and location.

4. In paragraph 1, The steps to verify the above payment information are: Including a step of checking the time information of payment made included in the above payment information, The steps to check the information related to the fuel increase of the above vehicle are: Based on the above fuel information, a step of checking information on whether the fuel of the vehicle has increased within a valid time range based on the time information is included. The step of determining whether the above payment information is the above fraudulent payment information is as follows: A method for detecting fraudulent payments, comprising the steps of: (i) confirming the payment information as normal payment information if it is confirmed that the fuel of the vehicle has increased within the valid time range, and (ii) confirming the payment information as fraudulent payment information if it is not confirmed that the fuel of the vehicle has increased within the valid time range, based on information related to an increase in the fuel of the vehicle.

5. In paragraph 4, The step of determining whether the above payment information is the above fraudulent payment information is as follows: Including a step of confirming the payment information as normal payment information when it is confirmed that both the condition based on the above valid time range and the condition confirmed based on the valid location range are satisfied, A method for detecting fraudulent payments, wherein the above valid location range is verified based on the location information where the payment was made, which is included in the payment information.

6. In paragraph 1, The steps to verify the above payment information are: Including a step of checking the payment amount information included in the above payment information, The steps to check the information related to the fuel increase of the above vehicle are: A step of checking information on the increase in fuel of the vehicle, which is at least part of information related to the increase in fuel of the vehicle, The step of determining whether the above payment information is the above fraudulent payment information is as follows: A step of calculating the matching rate of the increase amount information to the payment amount information; and A method for detecting fraudulent payments, comprising the step of confirming the payment information as normal payment information when the matching rate is greater than or equal to a threshold, and confirming the payment information as fraudulent payment information when the matching rate is less than or equal to a threshold.

7. In paragraph 6, The steps for calculating the above match rate are: A step of calculating value information corresponding to information related to the fuel increase based on the fuel price information and the increase amount information; and A method for detecting fraudulent payments, comprising the step of comparing the value information and the payment amount information to calculate the matching rate.

8. In paragraph 7, The steps for calculating the above match rate are: In response to a calculation result below the threshold of the above matching rate, a step of checking first comparison information between (i) information on the time at which the payment was made, which is included in the payment information, and (ii) information on the time at which the fuel increased, which is included in the information related to the fuel increase; A step of calculating at least one first correction value for the increase information based on the first comparison information and the information on the average hourly fuel consumption of the vehicle; A method for detecting fraudulent payments, further comprising a step of adjusting the matching rate based on the first correction value.

9. In paragraph 7, The steps for calculating the above match rate are: In response to a calculation result below the threshold of the above matching rate, a step of checking second comparison information between (i) location information where the payment was made, which is included in the payment information, and (ii) location information where the fuel increased, which is included in the information related to the fuel increase; A step of calculating at least one second correction value for the increase information based on the second comparison information and information on average fuel consumption per distance of the vehicle; A method for detecting fraudulent payments, further comprising the step of adjusting the matching rate based on the second correction value.

10. In paragraph 6, The step of determining whether the above payment information is the above fraudulent payment information is as follows: A step of checking the history of misjudgment regarding the above-mentioned fraudulent payment of the above-mentioned vehicle; A step of calculating a third correction value based on the above error history information; and A method for detecting fraudulent payments, further comprising the step of adjusting the threshold based on the third correction value.

11. In paragraph 1, The steps to verify the above payment information are: Including a step of checking the location information where the payment was made, included in the above payment information; The steps to check the information related to the fuel increase of the above vehicle are: Comprising a step of checking information on whether the fuel of the vehicle has increased within a valid location range based on the location information; The step of determining whether the above payment information is the above fraudulent payment information is as follows: A method for detecting fraudulent payments, comprising the steps of: (i) confirming the payment information as normal payment information if it is confirmed that the fuel of the vehicle has increased within the valid location range, and (ii) confirming the payment information as fraudulent payment information if it is not confirmed that the fuel of the vehicle has increased within the valid location range, based on information related to an increase in the fuel of the vehicle.

12. In paragraph 1, A method for detecting fraudulent payment, further comprising the step of transmitting information about the vehicle, information about the fuel increase, and the payment information to an administrator terminal in response to determining whether the payment information is fraudulent payment information.

13. A non-transitory computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 12 on a computer.

14. An electronic device for detecting fraudulent payments, processor; and Contains memory that stores one or more instructions, An electronic device wherein the processor is set to verify payment information related to fuel of the vehicle, verify information related to an increase in fuel of the vehicle corresponding to the payment information based on the fuel information of the vehicle, and determine whether the payment information is fraudulent payment information based on the information related to the increase in fuel of the vehicle.

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