KR101247965B1 - System and Method for payment using vehicle type NFC - Google Patents

Abstract

The present invention is provided with an NFC terminal inside the vehicle, and the user can easily pay the toll or parking fee of the vehicle operated by the NFC terminal in the vehicle, such as the cost of the goods purchased at the merchants around the vehicle, etc. It relates to a payment method and system using a vehicle NFC to enable.
An NFC payment system for a vehicle according to an embodiment of the present invention includes: a vehicle number recognizer for photographing a vehicle, recognizing a vehicle number, and transmitting the recognized vehicle number to a vehicle payment server together with service information; When the vehicle number is received from the vehicle number recognizer together with the service information, the vehicle company server is determined based on the service information, the vehicle number is transmitted to the determined vehicle company server, and vehicle information corresponding to the vehicle number is obtained. A vehicle payment server for selecting payment information from the information and transmitting the same to the NFC repeater; And when the payment information is mounted on the vehicle and receives the payment information from a vehicle payment server or a POS terminal, obtains authentication information for payment by NFC communication from a credit card or smart card terminal according to the proximity of the credit card or smart card terminal. Characterized in that it comprises an NFC repeater for transmitting to the payment system with payment information.

Description

System and Method for payment using vehicle type NFC}

The present invention is provided with a NFC (Near Field Communication) function in the vehicle, so that the user can pay for the vehicle toll, parking fees, and the cost of goods purchased at the affiliated stores around the vehicle, etc. using the NFC function.

In general, NFC is a contactless short-range wireless communication technology that can transmit data with low power at short range by applying RFID technology using a frequency of 13.56 MHz band. NFC has been standardized around ECMA international, and Nokia, Sony, and Philips are participating in standardization and product commercialization. Using NFC, when two or more terminals are brought close together without the user's artificial manipulation, they can exchange data such as MP3 files or photos as well as basic information such as phone numbers.

On the other hand, the NFC chip mounted on the mobile phone has a function as an RF reader for reading information recorded on an external RF card, and information recorded on an RF card (for example, an authentication USIM card) built into the mobile phone by another RF reader. In the case of an integrated RF card with a built-in RF card and memory in the mobile phone, the reader can read, write, and erase data in the built-in memory. In the case of 3rd generation mobile phones, the USIM card must be installed so that authentication and payment can be made through communication and NFC technology. Therefore, NFC power is always activated when the phone is powered.

However, when a user with a mobile phone equipped with an NFC chip moves to a vehicle and stops in front of a store near a road and asks for a product from a store owner, the user purchases an item to pay for the purchased item. You had to get off the car and enter the store with a mobile phone with an NFC chip, or pay with a user's credit card.

Accordingly, there is a demand for a technology that allows a user to quickly pay by a method other than cash without getting off the vehicle when paying for the purchased goods while the user is in the vehicle.

Republic of Korea Patent Publication No. 10-0986533 (Registration Date: October 01, 2010)

An object of the present invention for meeting the above-described needs is to include an NFC terminal inside a vehicle, and to cover the toll or parking fees of a vehicle operated by a user, and the cost of goods purchased from affiliated stores around the vehicle. The present invention provides a method and system for paying a cost using NFC for a vehicle that enables easy payment using an NFC terminal.

According to an aspect of the present invention for achieving the above object, a vehicle number recognizer for photographing a vehicle to recognize the vehicle number, and transmits the recognized vehicle number to the vehicle payment server along with the service information; When the vehicle number is received from the vehicle number recognizer together with the service information, the vehicle company server is determined based on the service information, the vehicle number is transmitted to the determined vehicle company server, and vehicle information corresponding to the vehicle number is obtained. A vehicle payment server for generating payment information based on the vehicle information and the service information and transmitting the generated payment information to an NFC repeater; A POS terminal for transmitting the payment information to the NFC repeater so that the user can pay for the goods; And mounted on the vehicle, when receiving the payment information from the vehicle payment server or the POS terminal, the authentication for payment by NFC communication from the credit card or the smart card terminal in accordance with the proximity of the credit card or smart card terminal An NFC payment system for a vehicle including an NFC repeater for acquiring information and transmitting the information to the payment system is provided.

On the other hand, according to another aspect of the present invention for achieving the above object, a communication unit for communicating via a communication network with a vehicle number recognizer, NFC repeater and a plurality of vehicle company servers; When the vehicle number is received from the vehicle number recognizer together with the service information, the vehicle company server is determined based on the service information, the vehicle number is transmitted to the vehicle company server, and the vehicle information is requested. A payment information processor for acquiring vehicle information corresponding to the number and selecting and transmitting payment information from the acquired vehicle information to an NFC repeater; And a vehicle information database storing the obtained vehicle information corresponding to the vehicle number and storing information of the vehicle company server corresponding to the service information.

The vehicle information management unit may further include a vehicle information manager that manages vehicle information including a vehicle number, driver information, contact information, and credit card information corresponding to the vehicle number through a website.

The vehicle information management unit may include a chassis number, driver information, contact information, and credit card information corresponding to the vehicle number when the user requests to modify the vehicle information by accessing the website through a computer terminal. The vehicle information can be updated and stored in the vehicle information database.

On the other hand, according to another aspect of the present invention for achieving the above object, the payment terminal for transmitting the payment information so that the user can pay for the goods and the payment information based on the vehicle information and service information In the vehicle NFC repeater for communicating with a vehicle payment server through a communication network, Communication unit for receiving the payment information from the POS terminal or the vehicle payment server; NFC communication unit for receiving the authentication information for payment for authenticating the payment information from the credit card or NFC-equipped terminal by NFC communication; And recognizing through a NAD field of a message transmitted and received with respect to the POS terminal, and receiving the payment information from the POS terminal or the vehicle payment server, in proximity to the credit card or the NFC chip mounted terminal. Accordingly, a vehicle payment processing unit for acquiring payment authentication information through NFC communication from the credit card or the NFC chip mounted terminal and transmitting the authentication information to the payment system together with the payment information is provided.

On the other hand, according to another aspect of the present invention for achieving the above object, (a) a vehicle number recognizer photographing the vehicle, and recognizes the vehicle number and transmits to the vehicle payment server; (b) the vehicle payment server determines the corresponding vehicle company server based on the service information, obtains vehicle information corresponding to the vehicle number from the determined vehicle company server, and generates payment information based on the vehicle information and the service information. Transmitting to the NFC repeater; (c) transmitting, by the POS terminal, the payment information to the NFC repeater so that the user can pay for the goods; And (d) when the NFC repeater receives the payment information from the vehicle payment server or the POS terminal, as the credit card or smart card terminal approaches, the authentication information for payment from the credit card or smart card terminal through NFC communication. There is provided a cost payment method using NFC for a vehicle comprising obtaining and transmitting the payment information to a payment system.

On the other hand, according to another aspect of the present invention for achieving the above object, a vehicle NFC payment method of a vehicle payment server for communicating with a vehicle number recognizer, NFC repeater and a plurality of vehicle company servers through a communication network, (a) the Receiving a vehicle number together with service information from the vehicle number recognizer; (b) determining a vehicle company server based on the service information, and requesting vehicle information by transmitting the vehicle number to the vehicle company server; (c) obtaining vehicle information corresponding to the vehicle number from the vehicle company server; And (d) generating payment information based on the obtained vehicle information and service information, and transmitting the generated payment information to an NFC repeater through a communication network.

In addition, the method may further include storing the obtained vehicle information corresponding to the vehicle number.

In addition, the step (e) includes a chassis number, driver information, contact information, and credit card information corresponding to the vehicle number when the user connects through a website using a computer terminal and requests modification of the vehicle information. The vehicle information can be updated and stored in the vehicle information database.

On the other hand, according to another aspect of the present invention for achieving the above object, in the vehicle NFC payment method of the vehicle NFC repeater for receiving the payment information when the POS terminal or the vehicle payment server transmits the payment information to the vehicle NFC repeater (a) receiving payment information from the POS terminal or the vehicle payment server through a communication network through a communication unit in a vehicle NFC repeater; (b) acquiring payment authentication information for authenticating the payment information from the credit card or the NFC chip-mounted terminal through NFC communication according to a proximity of a credit card or the NFC chip-mounted terminal; And (c) the vehicle NFC payment method of the vehicle NFC repeater including the step of transmitting the authentication information for payment with the payment information is provided.

According to the present invention, the user can pay the cost for goods purchased around the vehicle without getting off the vehicle while the user is in the vehicle.

In addition, the toll or parking fee of the vehicle can be easily paid through the NFC terminal installed in the vehicle.

1 is a configuration diagram schematically showing the overall configuration of a vehicle NFC payment system according to an embodiment of the present invention.
2 is a configuration diagram schematically showing the internal functional configuration of a vehicle payment server according to an embodiment of the present invention.
Figure 3 is a schematic diagram showing the internal functional configuration of a vehicle NFC repeater according to an embodiment of the present invention.
4 is a diagram illustrating an overall flowchart for explaining a method for payment using a vehicle NFC according to an embodiment of the present invention.
5 is a flowchart illustrating an operation of a vehicle NFC payment method of a vehicle payment server according to an embodiment of the present invention.
6 is a diagram illustrating an operation flowchart for describing a vehicle NFC payment method of a vehicle NFC repeater according to another embodiment of the present invention.
7 is a diagram illustrating an example of a message format transmitted and received between a POS terminal and a vehicle NFC repeater according to an exemplary embodiment of the present invention.
8 illustrates an example of a message descriptor field (DESC) in a message format according to an embodiment of the present invention.
9 illustrates an example of a node address field NAD in a message format according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a configuration diagram schematically showing the overall configuration of a vehicle NFC payment system according to an embodiment of the present invention.

1, the vehicle NFC payment system 100 according to an embodiment of the present invention, a vehicle number recognizer 110, a vehicle payment server 120, a vehicle NFC repeater 130, a smart card (Smart Card, hereinafter) SC 140 terminal, credit card 142 and POS (Point Of Sale) terminal 150, payment system 160, vehicle company server 170 and the like.

The vehicle number recognizer 110 includes a camera, photographs the vehicle number through the camera, recognizes the vehicle number, and transmits the vehicle number to the vehicle payment server 120 through a communication network. In this case, the vehicle number recognizer 110 also transmits service information such as a service company, a service type, and a service fee to the vehicle payment server 120 together with the vehicle number information. In the case of service companies, for example, a parking lot management company or a road toll management company may be used. For example, a service management service may include a parking management service, a road toll service, and other goods payment service. Therefore, the service information is used when the vehicle payment server 120 generates payment information according to the user's use of the service.

When the vehicle payment server 120 receives the service information and the vehicle number from the vehicle number recognizer 110, the vehicle settlement server 120 determines the vehicle company server 170 based on the service information, and transmits the vehicle number from the vehicle company server 170 to the vehicle number. Acquiring the corresponding vehicle information, selecting credit card information among the vehicle information, generating payment information including a service fee based on the service information, and transmitting the generated payment information to the vehicle NFC repeater 130. Here, the vehicle information includes vehicle number, driver's personal information, driver's name, mobile phone number, credit card information, vehicle NFC repeater unique number, vehicle parts information, and the like.

When the vehicle NFC repeater 130 is mounted in a vehicle and receives payment information from the POS terminal 150 or the vehicle payment server 130, as the user approaches the credit card 142 or the SC terminal 140, Acquire payment authentication information from the credit card 142 or SC terminal 140 by NFC communication and transmits the payment authentication information to the payment system 160 together with the payment information.

Here, the NFC repeater 130 for a vehicle may be implemented integrally with a navigation device mounted on a vehicle, and may be mounted in an OBU (On Board Unit) form separately from the navigation device.

The SC terminal 140 is a portable terminal into which a smart card (SC) is inserted, such as a universal subscriber identification module (USIM) card, a subscriber identification module (SIM) card, a user identity module (UIM) card, and the like. In addition, the SC terminal 140 may be referred to as an 'NFC chip mounted terminal' when the NFC chip is embedded therein.

In this case, the USIM card is a smart card that is essentially installed in the 3G mobile communication WCDMA terminal, and the USIM card is a user authentication and global roaming function as provided by the SIM card and the UIM card respectively in the GSM and CDMA environments. In addition, it supports various financial transaction services such as transportation cards, mobile banking, securities transactions, memberships, and payments. Operators issue a USIM card, and subscribers can rent a terminal anywhere in the world and use a mobile communication service freely with their mobile phone number when carrying only one USIM card.

SIM card usually refers to a communication IC card that is inserted into the card insertion slot behind the terminal. One of the advantages of the SIM card is that the user can insert the SIM card into any terminal and use it as his own terminal with the SIM card. This is because the SIM card stores subscriber information therein. In addition, the SIM card has excellent security and is highly useful in electronic commerce.

The UIM card is also a type of IC card for mobile communication that contains mobile subscriber information. The UIM is a modification to apply the subscriber information module (SIM) of the global mobile communication system (GSM) to code division multiple access (CDMA). The UIM card stores subscriber information, security, roaming module authentication and terminal control commands. In addition, the payment IC card is equipped with payment information related to various application services as well as user authentication, thereby preventing payment accidents, as well as payment of credit cards, mobile numbers, electronic money, and the like.

As is generally known, the credit card 142 has credit card information recorded on a magnetic stripe or stores a user's credit card information on an IC chip. Therefore, when the credit card 142 is close to the vehicle NFC repeater 130, the credit card information stored in the IC chip is transmitted to the vehicle NFC repeater 130 by NFC communication.

The POS terminal 150 is installed in a store or an affiliated store, and the like, so that a user can pay a cost for an item with a credit card 142, for example, a vehicle NFC repeater (e.g. 130).

The payment system 160 is a financial settlement agency server, a card company server, a bank server, or the like, and processes and completes a payment according to payment authentication information and payment information received from the vehicle NFC repeater 120 and the result of the vehicle NFC repeater. Send to 120.

The vehicle company server 170 is a server managed by a manufacturer, a sales company, or a car registry of each vehicle. The vehicle company server 170 may include a vehicle number, a driver's information, a driver's contact information, a credit card information, a vehicle's NFC repeater unique number, and a vehicle corresponding to the vehicle number. Provides vehicle information such as part information.

2 is a configuration diagram schematically showing the internal functional configuration of a vehicle payment server according to an embodiment of the present invention.

2, the vehicle payment server 120 according to an embodiment of the present invention includes a communication unit 210, a payment information processing unit 220, a vehicle information database 230, a vehicle information management unit 240, and the like. .

The communication unit 210 communicates with the vehicle number recognizer 110, the vehicle NFC repeater 130, and the plurality of vehicle company servers 170 through a communication network.

When the payment information processor 220 receives the vehicle number together with the service information from the vehicle number recognizer 110, determines the vehicle company server 170 based on the service information, and transmits the vehicle number to the vehicle company server 170. Request vehicle information by sending to.

Subsequently, when the payment information processing unit 220 obtains the vehicle information corresponding to the vehicle number from the vehicle company server 170, the payment information processing unit 220 selects a mobile phone number or a credit card number from the obtained vehicle information, and uses a service fee based on the service information. Generate payment information, including, and transmits the generated payment information to the vehicle NFC repeater 130.

The vehicle information database 230 stores information about a vehicle company server corresponding to the service information, and includes vehicle information obtained from the vehicle company server, for example, vehicle number, driver information, driver contact information, credit card information, and vehicle information. NFC repeater unique number, vehicle parts information, etc. are stored in correspondence with the vehicle number.

The vehicle information manager 240 manages vehicle information including a vehicle number, driver information, contact information, and credit card information corresponding to the vehicle number through a website. Accordingly, the vehicle information manager 240 provides a website such as a homepage for managing vehicle information to the user terminal.

In addition, the vehicle information management unit 240 includes a chassis number, driver information, contact information, and credit card information corresponding to the vehicle number when the user requests a modification of the vehicle information by connecting through a website using a computer terminal. The vehicle information can be updated and stored in the vehicle information database.

Figure 3 is a schematic diagram showing the internal functional configuration of a vehicle NFC repeater according to an embodiment of the present invention.

3, the vehicle NFC repeater 130 according to an embodiment of the present invention, NFC communication unit 310, communication unit 320, vehicle payment processing unit 330, input unit 340, display unit 350 and storage Section 360 and the like.

NFC communication unit 310 receives the authentication information for payment from the credit card 142 or NFC chip mounting terminal 140 by NFC communication. That is, the NFC communication unit 310 receives payment authentication information from the credit card 142 in a non-contact manner as the user approaches the credit card 142 to the vehicle NFC repeater 130 mounted in the vehicle. In addition, the NFC communication unit 310 may receive, for example, payment authentication information such as a mobile terminal number or a credit card number through NFC communication from a smart card of a mobile communication terminal having an embedded NFC chip.

The communication unit 320 communicates with the POS terminal 150 or the vehicle payment server 120 through a communication network. For example, a wired communication network including the Internet or PSNT, a mobile communication network including WCDMA or 4G (LTE), Zigbee, Bluetooth, Wi-Fi, Infrared, and the like can be communicated via a local wireless communication network.

The vehicle payment processing unit 330 makes a payment from the POS terminal 150 which transmits the payment information so that the user can pay for the goods or the vehicle payment server 120 which transmits the payment information based on the vehicle information and the service information. Upon receiving the information, the user approaches the credit card 142 or the NFC chip-mounted terminal 140 to the NFC communication unit 310, so that the payment can be made by NFC communication from the credit card 142 or the NFC chip-mounted terminal 140. The authentication information is received and transmitted to the payment system 170 together with the payment information.

The input unit 340 receives a command regarding operation of the device from the user or receives menu selection data.

The display unit 350 displays a cost payment process using a car NFC according to an embodiment of the present invention on a screen, or displays an operation state of the device.

The storage unit 360 stores the payment information received from the POS terminal 150 or the vehicle payment server 120, or the authentication information for payment received from the credit card 142 or the NFC chip-mounted terminal 140 through NFC communication. Save it.

4 is a diagram illustrating an overall flowchart for explaining a method for payment using a vehicle NFC according to an embodiment of the present invention.

Referring to Figure 4, the vehicle NFC payment system 100 according to an embodiment of the present invention first if the vehicle number recognizer 110 is installed at the entrance of the parking lot, for example, the vehicle enters to park in the parking lot The vehicle number recognizer 110 photographs the vehicle, recognizes the vehicle number, and transmits the vehicle number to the vehicle payment server 120 through the communication network, so that the vehicle payment server 120 receives the vehicle number from the vehicle number recognizer 110 through the communication network. Receive (S410).

In this case, since the vehicle number recognizer 110 acquires an image by capturing a vehicle, and analyzes the image, the vehicle number recognizer is generally known, and thus the detailed description thereof will be omitted.

In addition, the vehicle number recognizer 110 transmits service information such as a service company, a service type, and a service fee to the vehicle payment server 120 together with the vehicle number information. Here, the service information may include location information on a place where the vehicle number recognizer 110 is installed, as well as a service company and a service type.

Accordingly, when the vehicle payment server 120 receives the service information and the vehicle number from the vehicle number recognizer 110, the vehicle payment server 120 determines the corresponding vehicle company server 170 based on the service information, and the vehicle number is determined by the vehicle company server 170. Request the vehicle information for the vehicle number by transmitting to (S420).

The vehicle company server 170 transmits the vehicle information corresponding to the vehicle number to the vehicle payment server 120 through the communication network (S430). Here, the vehicle information includes vehicle number, driver's personal information, driver's contact information (mobile phone number), credit card information, vehicle NFC repeater unique number, vehicle parts information, and the like.

Accordingly, the vehicle payment server 120 selects credit card information from the vehicle information received from the vehicle company server 170 and generates payment information including a service name, a service fee based on the credit card information and the service information. To transmit to the vehicle NFC repeater 130 through a communication network, such as a mobile communication network (S440). At this time, the vehicle payment server 120 determines the vehicle NFC repeater 130 to receive payment information according to the vehicle NFC repeater unique number included in the service information, and the payment information to the determined vehicle NFC repeater 130 through the communication network To transmit. In addition, when the user wants to pay for the goods with the credit card 142, the POS terminal 150 installed in a store or an affiliated store may transmit payment information including a service name and a service fee to the NFC repeater 130 for a vehicle through a communication network. Will be sent.

Subsequently, when the vehicle NFC repeater 130 installed in the vehicle receives payment information from the POS terminal 150 or the vehicle payment server 120 through a communication network, the driver may display the payment information on the screen or make a voice output. And, according to the operation of the driver close the SC terminal 140 or credit card 142 to the vehicle NFC repeater 130, the authentication information for payment by NFC communication from the SC terminal 140 or credit card 142 Acquire (S450), and transmits the obtained payment authentication information to the payment system 170 with the payment information (S460). Here, the authentication information for payment includes credit card information, a mobile phone number, or the like.

Therefore, the payment system 170 such as a bank or a card company completes the corresponding payment processing based on the authentication information and payment information for payment and notifies the NFC repeater 130 of the result of the operation (S470).

Accordingly, the vehicle NFC repeater 130 displays the result of the payment processing on the screen to allow the driver to confirm that the corresponding payment is completed.

5 is a flowchart illustrating an operation of a vehicle NFC payment method of a vehicle payment server according to an embodiment of the present invention.

Referring to FIG. 5, the vehicle payment server 120 according to an exemplary embodiment of the present invention first recognizes the vehicle number by transmitting the vehicle number through a camera and transmits the vehicle number to the vehicle payment server 120. Accordingly, when the vehicle number is received from the vehicle number recognizer 110 (S510-Yes), the vehicle number is transmitted to the vehicle company server 170 to request vehicle information (S520).

At this time, as the vehicle number recognizer 110 transmits the service information including the service company, the service type, the service fee, etc. together with the vehicle number to the vehicle payment server 120, the vehicle payment server 120 is connected with the vehicle number. Along with receiving the service information from the vehicle number recognizer 110, and determines the vehicle company server 170 based on the service information, and transmits the vehicle number to the determined vehicle company server 170 to request the vehicle information. .

Accordingly, the vehicle company server 170 retrieves the vehicle information corresponding to the vehicle number and transmits it to the vehicle payment server 120, so that the vehicle payment server 120 corresponds to the vehicle number from the vehicle company server 170. Acquired vehicle information (S530). Here, the vehicle information includes a chassis number, driver information, driver name, mobile phone number, credit card information, vehicle NFC repeater unique number, vehicle parts information and the like.

Subsequently, the vehicle payment server 120 selects payment information such as credit card information or a mobile phone number from the obtained vehicle information, and provides payment information including a service name and a service fee based on the selected credit card information and service information. It generates and transmits to the vehicle NFC repeater 130 through a communication network such as a mobile communication network (S540).

Subsequently, the vehicle payment server 120 stores the obtained vehicle information in the vehicle information database 230 in correspondence with the vehicle number (S550).

On the other hand, the vehicle payment server 120 when the user requests to modify the vehicle information by accessing through the website using a computer terminal (S560-Yes), the vehicle number corresponding to the vehicle number, driver information, contact information, credit The vehicle information including the card information is updated and stored in the vehicle information database 230 (S570).

6 is a diagram illustrating an operation flowchart for describing a vehicle NFC payment method of a vehicle NFC repeater according to another embodiment of the present invention.

Referring to FIG. 6, when an NFC receiver 120 for a vehicle according to another embodiment of the present invention is mounted in a vehicle and a user purchases and pays an item at a store or an affiliated store near the vehicle, the POS terminal ( 150 to scan the bar code information of the goods and transmits to the vehicle NFC repeater 120 by short-range wireless communication such as Wi-Fi (WiFi) to the payment information including the item name and price, etc. Receive payment request information (S610).

In this case, the payment information may be transmitted from the POS terminal 150 to the vehicle NFC repeater 120 in a message format as shown in FIG. 7. 7 is a diagram illustrating an example of a message format transmitted and received between a POS terminal and a vehicle NFC repeater according to an exemplary embodiment of the present invention. In FIG. 7, the POS terminal 150 may recognize the vehicle NFC repeater 120 through a NAD field in a message format transmitted and received with the vehicle NFC repeater 120.

The NFC repeater 120 for a vehicle and the POS terminal 150 may perform communication based on a command, a response, and an event. The command is transmitted from the POS terminal 150 to the vehicle NFC repeater 120, and the response is transmitted from the vehicle NFC repeater 120 to the POS terminal 150. The event is delivered from the POS terminal 150 to the vehicle NFC repeater 120 and is independent of the command or response. Commands and responses may proceed in pairs.

Referring to FIG. 7, the format of a message transmitted and received between the POS terminal 150 and the vehicle NFC repeater 120 may include a message descriptor field (DESC), a NAD field (Node Address Field), and a payload field. ) The DESC field and the NAD field may be considered as mandatory parts, and the payload field may be considered as an optional part. In the message format according to the embodiment of FIG. 7, the DESC is expressed as having 1 byte, the NAD is 1 byte or 2 bytes, and the payload is 0 to 255 bytes. However, this is only one example.

8 illustrates an example of a message descriptor field (DESC) in a message format according to an embodiment of the present invention. Here, for example, what is the meaning of each value recorded in the DESC field when the DESC is expressed in one byte. In the DESC field, a message type, a NAD, length information, a flag, and a reserved for future use (RFU) are recorded. The message type may be represented by 2 bits and may represent a command, a response, an event, and data according to the value. The NAD can represent whether it is a 4-bit NAD or an 8-bit NAD, depending on its value. The length information (Length) can be expressed in the case of no length information (No length), 1-byte length, 2-byte length, RFU according to the value. The flag may represent a case of following a message and a case of following No message. And RFU can always be expressed as a specific value.

9 illustrates an example of a node address field NAD in a message format according to an embodiment of the present invention. NAD considered 8-bit NAD and 4-bit NAD respectively. In the case of an 8-bit NAD, two bytes may be represented, and a source NAD is expressed in an upper 1 byte and a destination NAD in a lower 1 byte. In the case of 4-bit NAD, it can be represented by 1 byte, and the source NAD is expressed in the upper 4 bits and the destination NAD in the lower 1 byte.

Subsequently, the vehicle NFC repeater 120 according to an operation in which the user approaches the NFC chip mounted terminal 140 or the credit card 142 to the vehicle NFC repeater 130 may include the NFC chip mounted terminal 140 or the credit card 142. ) To obtain authentication information for payment by NFC communication (S620). Here, the authentication information for payment includes credit card information and a mobile phone number.

In addition, the vehicle NFC repeater 120 transmits the authentication information for payment to the payment system 170 through the communication network together with the payment information (S630).

Accordingly, the payment system 170 such as a bank or card company completes the payment processing based on the authentication information and payment information for payment, and the vehicle NFC repeater 120 receives the payment processing result from the payment system 170. The display on the screen (S640).

Therefore, the user confirms that the payment for the item purchase is completed through the payment processing result displayed on the screen of the vehicle NFC repeater 120 installed in the vehicle.

As described above, according to the present invention, an NFC terminal is provided in an interior of a vehicle, and the NFC terminal in the interior of the vehicle includes a toll fee, a parking fee, and a cost for an item purchased at an affiliated store around the vehicle. It is possible to realize a cost payment method and system using a NFC for a vehicle that can be easily paid using.

It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention as defined by the following claims and their equivalents. Only. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

The present invention can be applied to a navigation device installed inside a vehicle, and can be implemented as a device that is separate from the navigation device.

In addition, the present invention may be applied to a system for calculating a toll or parking fee of a vehicle, and may be applied to a system for paying a cost of goods purchased by a driver around a vehicle.

100: car NFC payment system 110: car number recognizer
120: vehicle payment server 130: car NFC repeater
140: smart card (SC) terminal 142: credit card
150: POS terminal 160: payment system
170: vehicle company server 210: communication unit
220: payment information processing unit 230: vehicle information database
240: vehicle information management unit 310: NFC communication unit
320: communication unit 330: vehicle payment processing unit
340: input unit 350: display unit
360: storage

Claims (10)

delete A communication unit for communicating with a vehicle number recognizer, an NFC repeater, and a plurality of vehicle company servers through a communication network;
When the vehicle number is received from the vehicle number recognizer together with the service information, the vehicle company server is determined based on the service information, the vehicle number is transmitted to the vehicle company server, and the vehicle information is requested. A payment information processor for acquiring vehicle information corresponding to the number and generating payment information based on the obtained vehicle information and service information and transmitting the generated payment information to the NFC repeater; And
A vehicle information database storing the obtained vehicle information in correspondence with a vehicle number and storing information of a vehicle company server corresponding to the service information;
Vehicle payment server comprising a.
The method of claim 2,
A vehicle information management unit managing vehicle information including a vehicle number, driver information, contact information, an NFC repeater unique number, and credit card information corresponding to the vehicle number through a website;
Vehicle payment server further comprises a.
The method of claim 3, wherein
The vehicle information management unit, when the user requests to modify the vehicle information by accessing through a website using a computer terminal, the vehicle information including the vehicle number, driver information, contact information, credit card information corresponding to the vehicle number Vehicle payment server, characterized in that for updating to store in the vehicle information database.
In the POS terminal for transmitting the payment information so that the user can pay for the goods and the vehicle NFC repeater for communicating over the communication network with the vehicle payment server for transmitting the payment information based on the vehicle information and service information,
A communication unit for receiving the payment information from the POS terminal or the vehicle payment server;
NFC communication unit for receiving the authentication information for payment for authenticating the payment information from the credit card or NFC-equipped terminal by NFC communication; And
Recognizing through the NAD field (Node Address Field) of the message transmitted and received to the POS terminal, when receiving the payment information from the POS terminal or the vehicle payment server, depending on the proximity of the credit card or the NFC chip-mounted terminal A vehicle payment processing unit which obtains payment authentication information from the credit card or the NFC chip-mounted terminal through NFC communication and transmits the authentication information to the payment system together with the payment information;
Car NFC repeater comprising a.
delete A vehicle NFC payment method of a vehicle payment server that communicates with a vehicle number recognizer, an NFC repeater, and a plurality of vehicle company servers through a communication network,
(a) receiving a vehicle number together with service information from the vehicle number recognizer;
(b) determining a vehicle company server based on the service information, and requesting vehicle information by transmitting the vehicle number to the vehicle company server;
(c) obtaining vehicle information corresponding to the vehicle number from the vehicle company server; And
(d) generating payment information based on the obtained vehicle information and service information and transmitting the payment information to an NFC repeater through a communication network;
Vehicle NFC payment method of the vehicle payment server comprising a.
The method of claim 7, wherein
(e) storing the obtained vehicle information in correspondence with a vehicle number;
Vehicle NFC payment method of the vehicle payment server further comprising a.
The method of claim 8,
In the step (e), when the user requests to modify the vehicle information through a website using a computer terminal, the vehicle includes a vehicle number, driver information, contact information, and credit card information corresponding to the vehicle number. Vehicle NFC payment method of the vehicle payment server, characterized in that for updating the information stored in the vehicle information database.
In the vehicle NFC payment method of the vehicle NFC repeater for receiving the payment information when the POS terminal or the vehicle payment server transmits the payment information to the vehicle NFC repeater,
(a) receiving payment information via a communication network from the POS terminal or the vehicle payment server through a communication unit in a vehicle NFC repeater;
(b) acquiring payment authentication information for authenticating the payment information from the credit card or the NFC chip-mounted terminal through NFC communication according to a proximity of a credit card or the NFC chip-mounted terminal; And
(c) transmitting the authentication information for payment together with the payment information to a payment system;
Vehicle NFC payment method of the vehicle NFC repeater comprising a.

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