US 10,482,458 B2Granted

User equipment, service providing device, payment system comprising the same, control method thereof and non-transitory computer-readable storage medium storing computer program recorded thereon

AssigneeSK Planet Co., Ltd.

InventorSebyung Kwak

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Abstract

Provided are user equipment, a service providing device, a payment system including the same, a control method thereof, and a non-transitory computer-readable storage medium storing a computer program recorded thereon. According to the present invention, when one or more payment cards related with a user of user equipment registered in the user equipment are used, the user equipment collects various types of position information related with the user equipment and then provides the various types of collected position information to the service providing device, the service providing device compares current position information of the user equipment with various types of position information collected in the user equipment to determine whether the payment card is illegally used. Therefore, it is possible to verify illegal usage which steals the user equipment or steals position information of a store and increase reliability of determining illegal usage.

Claims17

Dependent claims

A service providing device, comprising:

a communication unit which receives information on a payment card, a PIN number corresponding to the payment card, position information of user equipment of a user attempting to purchase an item at a physical payment store, position information of one or more devices in the vicinity of the user equipment, and identification information of the user equipment which are transmitted from the user equipment, wherein the one or more devices that are in the vicinity of the user equipment are located at the physical payment store;
and
a control unit which determines whether the position information of the user equipment is located within a predetermined radius from the position information of the one or more devices located at the physical payment store for primary verification of the purchase, checks a type of the payment card from among one or more payment cards issued to the user equipment that is being used to purchase the item, payment date and time information associated with the attempted purchase of the item at the physical store, and position information of the physical payment store when the position information of the user equipment is located within the predetermined radius from the position information of the one or more devices located at the physical payment store as a determination result, and performs secondary verification based on a distance difference between the position information of the user equipment and position information of the physical payment store where the payment is made by the payment card and a time difference between a present time and the payment date and time information when the payment is made by the payment card.

A service providing device, comprising:

a communication unit which receives a first time duration based on a time when a user who carries a user equipment enters a store to a time when the user equipment receives a PIN number corresponding to a payment card of the user, a second time duration based on the time when the user equipment receives the PIN number to a time when the user confirms a payment using the payment card, a movement distance of the user from the time when the user enters the store to the time when the user confirms the payment, a movement route, and identification information of the user equipment which are transmitted from the user equipment;
and
a control unit which determines whether to perform additional authentication on the user equipment, based on a comparison result between the received first time duration, the second time duration, the movement distance, and the movement route and reference values which are stored in advance according to the identification information of the user equipment.

A control method of a service providing device, the method comprising:

receiving information on a payment card, a PIN number corresponding to the payment card, position information of user equipment of a user attempting to purchase an item at a physical payment store, position information of one or more devices in the vicinity of the user equipment, and identification information of the user equipment which are transmitted from the user equipment by means of a communication unit, wherein the one or more devices that are in the vicinity of the user equipment are located at the physical payment store;
determining whether the position information of the user equipment is located within a predetermined radius from the position information of the one or more devices located at the physical payment store, for primary verification of the purchase, by means of a control unit;
checking a type of the payment card from among one or more payment cards issued to the user equipment that is being used to purchase the item, payment date and time information associated with the attempted purchase of the item at the physical store, and position information of the physical payment store by means of the control unit when the position information of the user equipment is located within the predetermined radius from the position information of the one or more devices located at the physical payment store as a determination result;
calculating a distance difference between the position information of the user equipment and the position information of the physical payment store where the payment is made using the payment card and a time difference between a present time and the payment date and time information when the payment is made using the payment card, by means of the control unit;
calculating a speed based on the calculated distance difference and the calculated time difference, by means of the control unit;
checking whether the calculated speed is equal to or lower than a predetermined reference speed, by means of the control unit;
and
confirming that authentication is normally completed by determining there is an additional payment trial within a movable distance from the user equipment and maintaining a stand-by status for simple payment by means of the control unit when the calculated speed is equal to or lower than the reference speed as a checking result.

5 more elements

A non-transitory computer-readable storage medium storing a computer program recorded thereon configured to perform a method comprising:

receiving information on a payment card, a PIN number corresponding to the payment card, position information of user equipment of a user attempting to purchase an item at a physical payment store, position information of one or more devices in the vicinity of the user equipment, and identification information of the user equipment which are transmitted from the user equipment by means of a communication unit, wherein the one or more devices that are in the vicinity of the user equipment are located at the physical payment store;
determining whether the position information of the user equipment is located within a predetermined radius from the position information of the one or more devices located at the physical payment store, for primary verification of the purchase, by means of a control unit;
checking a type of the payment card from among one or more payment cards issued to the user equipment that is being used to purchase the item, payment date and time information associated with the attempted purchase of the item at the physical store, and position information of the physical payment store by means of the control unit when the position information of the user equipment is located within the predetermined radius from the position information of the one or more devices located at the physical payment store as a determination result;
calculating a distance difference between the position information of the user equipment and the position information of the physical payment store where the payment is made using the payment card and a time difference between a present time and the payment date and time information when the payment is made using the payment card, by means of the control unit;
calculating a speed based on the calculated distance difference and the calculated time difference, by means of the control unit;
checking whether the calculated speed is equal to or lower than a predetermined reference speed, by means of the control unit;
and
confirming that authentication is normally completed by determining there is an additional payment trial within a movable distance from the user equipment and maintaining a stand-by status for simple payment by means of the control unit when the calculated speed is equal to or lower than the reference speed as a checking result.

5 more elements

Dependencies are inferred from the claim text.

Facts

Application: 15/254,650Filed 1 Sep 2016
Priority: KR 10-2015-01269638 Sep 2015
Published: US 2017/0068959 A19 Mar 2017
Granted: 19 Nov 2019
Term ends: Not estimatedThe source records don’t support an estimate.

Classification5 codes

G06Q 20/382
Payment protocols; Details thereof: insuring higher security of transaction
G06Q 20/20
Payment architectures: point-of-sale [POS] network systems
G06Q 20/3224
Aspects of commerce using mobile devices [M-devices]: transactions dependent on location of M-devices
G06Q 20/34
Characterised by the use of specific devices or networks: using cards, e.g. integrated circuit [IC] cards or magnetic cards

Family

US 2017/0068959 A1Pre-grant publication · published 9 Mar 2017
US 10,482,458 B2This patent

From the US filing history. Foreign family members aren’t listed.

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