Journal of Information Technology Services (한국IT서비스학회지)

Korea Society of IT Services (한국IT서비스학회)
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Study of Measures to Expand Mobile Payment by Enhancing the Payment Infrastructure for Merchant : Focus on Bluetooth Low Energy(BLE) Technology

가맹점 결제 인프라 개선을 통한 모바일 결제 확대 방안 연구 : 블루투스(BLE) 기술 중심

  • 복중효 (숭실대학교 IT정책경영학과) ;
  • 김병수 (숭실대학교 IT정책경영학과) ;
  • 김광용 (숭실대학교 경영학부)
  • Received : 2017.10.18
  • Accepted : 2017.11.26
  • Published : 2017.12.31
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Abstract

Increasing popularity of smartphone is creating many changes in payment market sector also. The new fin-tech and simple mobile payment service have provided convenience as well as various benefits and value-added services to create new payment culture. However, the infrastructure of offline shops is too poor for users to use the simple mobile payment services in Korea. There are several reasons why the support of simple mobile payment services by offline shops has reached the limit in Korea. They include the reluctance of shop owners due to highly priced devices, the failure of NFC of the leading offline payment infrastructure to support iOS, the services that are biased to the specific manufacturers and smartphones (Samsung Pay and LG Pay), prefer large shops (SSG Pay and L PAY), and focus on online transactions. This study used the Bluetooth technology that is the standard feature built in all smartphone to expand the offline shops that accept the simple mobile payment services ensuring universality and scalability from the convenience of customer's and service provider's aspects. Applying the same payment scene as the existing NFC payment method from the user's aspect and the Bluetooth technology from the service provider's aspect enables support of all smartphones and offering value-added services such as electronic receipt and promotions through the large-capacity bidirectional data transfer. This study is intended to review the simple mobile payment services in Korea and other countries, propose the simple mobile payment service model for Korea by analyzing the Bluetooth technology and preceding studies of payment services using BLE technology, and develop the pilot system using the BLE technology to verify the proposed system with actual shops.

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References

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