KR101695699B1 - Mobile terminal and method for controlling the same - Google Patents

Abstract

The present invention relates to a mobile terminal including at least one payment means and a method for controlling the same. The mobile terminal comprises a memory, a communication part and a control part. The memory includes a plurality of payment means. The communication part receives public land mobile network (PLMN) ID information from an accessed communication network. The control part identifies a nation where the mobile terminal is located from the received PLMN ID information in a case that a communication network identified from the PLMN ID information is a visited network and displays at least one payment means, which has a brand equal to a card association brand commonly used in the identified nation, among the plurality of payment means, as a usable payment means. According to the present invention, at least one among the plurality of payment means can be recommended to a user in accordance with a current situation of the user.

Description

[0001] MOBILE TERMINAL AND METHOD FOR CONTROLLING THE SAME [0002]

The present invention relates to a mobile terminal including at least one payment means and a control method of the mobile terminal.

A terminal can be divided into a mobile terminal (mobile / portable terminal) and a stationary terminal according to whether the terminal can be moved. The mobile terminal can be divided into a handheld terminal and a vehicle mounted terminal according to whether the user can directly carry the mobile terminal.

The functions of mobile terminals are diversified. For example, there are data and voice communication, photographing and video shooting through a camera, voice recording, music file playback through a speaker system, and outputting an image or video on a display unit. Some terminals are equipped with an electronic game play function or a multimedia player function. In particular, modern mobile terminals can receive multicast signals that provide visual content such as broadcast and video or television programs.

Such a terminal has various functions according to the development of technology. For example, it is implemented in the form of a multimedia device having a combination of functions such as photographing and photographing of a moving picture, reproduction of a music or video file, reception of a game, and broadcasting. Further, for functional support and enhancement of the terminal, it may be considered to improve the structural and / or software portion of the terminal.

Particularly, current mobile terminals are implemented in a form including at least one payment means such as a credit card or a debit card. Accordingly, the user can eliminate the inconvenience of having all of the plurality of payment means by having only the mobile terminal including the plurality of payment means.

Meanwhile, when the mobile terminal includes a plurality of payment means, the user must select any one of the plurality of payment means to be used for payment at the time of payment. Accordingly, there is a need for a function for allowing a user to more easily select a suitable payment means.

It is an object of the present invention to solve the above-mentioned problems and other problems, and it is an object of the present invention to provide a mobile terminal including a plurality of payment means, And to provide at least one of a plurality of payment means to a user according to a current user situation, and a control method of the mobile terminal.

According to an aspect of the present invention, there is provided a mobile terminal comprising: a memory including a plurality of payment means; a memory for storing network identification information (PLMN A communication unit for receiving the network identification information from the network identification information, and if the communication network identified by the network identification information is a visited network, identifying the country where the mobile terminal is located from the received network identification information, And a control unit for displaying at least one payment means having the same brand as the Card Association Brand used in the identified country among the means as available payment means.

In one embodiment, the control unit displays, for each payment means indicated as the usable payment means, service information related to the identified country on the display unit of the mobile terminal, The discount rate, and the point accumulation rate associated with the identified country for each payment means.

In one embodiment, the service information further includes information on the type of each of the payment means, and the information on the type of each of the payment means is a credit card (Business Card) And information on whether or not the card is a card (Debit Card).

In one embodiment, the control unit further displays, when the payment means is a debit card, account information for an account associated with the debit card according to a user's selection, And balance information.

In one embodiment, the service information further includes an event related to the identified country, and benefit information related to the event for each of the payment means.

In one embodiment, the control unit registers one of the payment means as the main payment means among the at least one payment means having the same brand as the card association brand commonly used in the identified country, The settlement unit performs settlement through the settlement unit registered as the main settlement unit if there is a settlement request, and the predetermined criterion is a settlement fee, a discount rate per unit of the standard consumption amount, or a rate of accumulation of points.

In one embodiment, the preset criteria further include currency and exchange rates prevailing in the identified country, and the control unit is operable to determine, based on the currency in which the exchange rate is lower than the currency used in the identified country, And comparing the settlement fee with respect to the settlement means.

In one embodiment, the control unit requests information of a card association brand commonly used in the visited network to an MME (Mobility Management Entity) of a currently connected communication network, and when information of a specific card association brand is received from the MME And sets a payment means having the same brand as the received card association brand among the plurality of payment means as the main payment means.

In one embodiment, when a specific area is set, the control unit may additionally register at least one payment means as a main payment means based on a discount rate, a point accumulation rate, or a payment fee according to the set area, The payment is made through the additionally registered payment means.

In one embodiment, the control unit further registers at least one payment means as a main payment means based on a discount rate, a point accumulation rate, or a payment fee for a certain amount of money, and when the total amount of the consumed amount or the one- The settlement is made through the additional registered payment means.

In one embodiment, when the main payment means is changed according to the registration of the main payment means, the control unit stores information on the main payment means before the change is made, and when the main payment means is changed by the network identification information received from the connected communication network And when the identified communication network is a home network, the main payment means is restored based on the stored information.

In one embodiment, the control unit displays, as the payment means that is not usable, the payment means whose remaining days until the expiration date is within a predetermined period, out of the plurality of payment means.

In one embodiment, the control unit estimates a user's overseas stay period based on the information stored in the mobile terminal, and the payment means included in the confirmed overseas stay period is used And the overseas stay period of the user is estimated based on the schedule information of the user stored in the mobile terminal or the ticket purchase history information.

In one embodiment, the control unit searches for available payment means among the plurality of payment means among the plurality of payment means, and if there is no available payment means, When the image of the predetermined main payment means is displayed, or when the distance between the predetermined peripheral device and the predetermined peripheral device is a predetermined distance, the notification information is displayed when indicator information related to the current state of the mobile terminal is displayed, Is displayed on the display unit when the display unit is within a predetermined range.

In one embodiment, when there is no usable payment means among the plurality of payment means, the control unit further displays information related to issuance of another payment means, and the information related to issuance of the other payment means is current At least one payment means having the same brand as the brand of the card association currently used in the country where the mobile terminal is located or the visited network to which the mobile terminal is currently connected, service information including the payment fee of the payment means, And the benefit information.

In one embodiment, the control unit displays information for guiding at least one setting change among the plurality of payment means to the user when there is no usable payment means among the plurality of payment means .

In one embodiment, the control unit may be configured to transmit an Attach accept message received from the MME of the communication network connected when the mobile terminal first accesses the communication network, or a TAU (Tracking Area Update) received from the MME when the location of the mobile terminal is moved, And receives the network identification information through a TAI (Track Area Identifier) list included in the Accept message.

In one embodiment, the control unit determines whether the mobile terminal is located based on a mobile country code (MCC) or a mobile country code (MNC) included in the network identification information, .

In one embodiment, when accessing the visited network, the control unit requests the information of the payment means commonly used in the visited network to the visited network, and when the information of the specific payment means is received in response to the request And acquires information of the specific payment means through a communication network associated with the received payment means.

In one embodiment, when the network identification information can not be obtained from the currently connected communication network, the control unit may determine, based on position information obtained from at least one position information acquiring means capable of acquiring position information, The at least one location information acquiring unit identifies a country where the terminal is located, and the at least one location information acquiring unit is a GPS (Global Positioning System) module, a WiFi module, or at least one peripheral device connectable to the mobile terminal.

According to an aspect of the present invention, there is provided a method of controlling a mobile terminal, the method including receiving network identification information from a connected communication network and identifying a communication network to which the mobile terminal is connected Identifying a country based on the location of the mobile terminal from the received network identification information if the identified network is a visited network; and determining, from among the plurality of payment means previously stored in the mobile terminal, And displaying at least one payment means having the same brand as the commonly used card association brand as the usable payment means.

Effects of the mobile terminal and the control method according to the present invention will be described as follows.

According to at least one of the embodiments of the present invention, the present invention proposes, by recommending at least one of a plurality of payment means included in the mobile terminal to a user based on a country where the mobile terminal is located, There is an effect that it becomes easier and easier to select a payment method suitable for use.

According to at least one of the embodiments of the present invention, the present invention provides a payment method for providing benefits to a user in a country where a user is staying, by displaying benefit information of each of the plurality of payment means related to a country where the mobile terminal is located, So that it is possible to more easily select.

According to at least one of the embodiments of the present invention, when the mobile terminal is connected to the visited network by roaming, by identifying the country where the mobile terminal is located based on the information received from the visited network, It is possible to display the payment means suitable for use in the country where the user currently resides without using the positioning module.

1A is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.
1B and 1C are conceptual diagrams illustrating an example of a mobile terminal according to an embodiment of the present invention in different directions.
FIG. 2 is a flowchart illustrating an operation procedure in which a main payment means is changed according to a currently located country in a mobile terminal according to an embodiment of the present invention.
3 is a conceptual diagram showing an example of a network environment to which a mobile terminal according to an embodiment of the present invention is connected.
4 is a flowchart illustrating an operation procedure of a mobile terminal according to an embodiment of the present invention, which is initially connected to the network of FIG.
5 is a conceptual diagram illustrating a frame structure of TAI (Track Area Identifier) information received in a mobile terminal according to an embodiment of the present invention.
6 is a flowchart illustrating an operation of performing a TAU (Track Area Update) procedure when a mobile terminal detects a change in a TA (Track Area) according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating a process of searching for a payment means suitable for the current location of the mobile terminal, among the operations of FIG. 2. Referring to FIG.
8 is an exemplary diagram illustrating an example in which the settlement means is changed according to the country where the mobile terminal is located when the mobile terminal roams according to the embodiment of the present invention.
9 is an exemplary diagram illustrating an example in which the settlement means is changed to a settlement means usable in a country where the mobile terminal is located when the mobile terminal roams according to the embodiment of the present invention.
10 is a diagram illustrating an example in which information for notifying a user of a payment method available in a country where a mobile terminal is currently located is displayed in a mobile terminal according to an exemplary embodiment of the present invention.
FIGS. 11A and 11B illustrate examples in which, when there is no payment means available in the country according to the current location, the mobile terminal according to the embodiment of the present invention receives a new payment or changes an existing payment means.
FIG. 12A is an exemplary diagram illustrating an example in which the settlement means is changed according to the association brand of the settlement means that is available in the country where the mobile terminal is currently located, in the mobile terminal according to the embodiment of the present invention.
12B is an exemplary diagram illustrating an example in which the payment means is changed based on the benefits provided by the payment means according to the country where the mobile terminal is currently located in the mobile terminal according to the embodiment of the present invention.
12C is an exemplary diagram illustrating an example in which the settlement means is changed according to the currency and the currency used in the country where the mobile terminal is currently located in the mobile terminal according to the embodiment of the present invention.
12D is an exemplary view showing an example in which, in a mobile terminal according to an embodiment of the present invention, when the selected payment means is a debit card, the additional information is further displayed.
FIG. 13 is an exemplary diagram illustrating an example of setting a payment means that can be used in a specific overseas region in a mobile terminal according to an embodiment of the present invention in advance.
14A and 14B illustrate examples in which a method of authenticating a user according to a requested payment is set differently.
FIG. 15 is an exemplary diagram illustrating an example in which, in a mobile terminal according to an exemplary embodiment of the present invention, an information of an authenticated user is further displayed when a user is authenticated at the time of payment proceeding.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like or similar elements are denoted by the same or similar reference numerals, and redundant description thereof will be omitted. The suffix "module" and " part "for the components used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role. In the following description of the embodiments of the present invention, a detailed description of related arts will be omitted when it is determined that the gist of the embodiments disclosed herein may be blurred. It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. , ≪ / RTI > equivalents, and alternatives.

The mobile terminal described in this specification includes a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), a navigation device, a slate PC A tablet PC, an ultrabook, a wearable device (e.g., a smart watch, a glass glass, a head mounted display (HMD), etc.) .

However, it will be readily apparent to those skilled in the art that the configuration according to the embodiments described herein may be applied to fixed terminals such as a digital TV, a desktop computer, a digital signage, and the like, .

1 is a block diagram for explaining a mobile terminal 100 according to the present invention.

The mobile terminal 100 includes a wireless communication unit 110, an input unit 120, a sensing unit 140, an output unit 150, an interface unit 160, a memory 170, a control unit 180, and a power supply unit 190 ), And the like. The components shown in FIG. 1 are not essential for implementing the mobile terminal 100, so that the mobile terminal 100 described herein can have more or fewer components than the components listed above have.

The wireless communication unit 110 may be connected between the mobile terminal 100 and the wireless communication system or between the mobile terminal 100 and another mobile terminal or between the mobile terminal 100 and an external server, And may include one or more modules that enable wireless communication. In addition, the wireless communication unit 110 may include one or more modules for connecting the mobile terminal 100 to one or more networks.

The wireless communication unit 110 may include at least one of a broadcast receiving module 111, a mobile communication module 112, a wireless Internet module 113, a short distance communication module 114, and a location information module 115 .

The input unit 120 includes a camera 121 or an image input unit for inputting a video signal, a microphone 122 for inputting an audio signal, an audio input unit, a user input unit 123 for receiving information from a user A touch key, a mechanical key, and the like). The voice data or image data collected by the input unit 120 may be analyzed and processed by a user's control command.

The sensing unit 140 may include at least one sensor for sensing at least one of information in the mobile terminal 100, surrounding environment information surrounding the mobile terminal 100, and user information. For example, the sensing unit 140 may include a proximity sensor 141, an illumination sensor 142, a touch sensor, an acceleration sensor, a magnetic sensor, A G-sensor, a gyroscope sensor, a motion sensor, an RGB sensor, an infrared sensor, a finger scan sensor, an ultrasonic sensor, A microphone 226, a battery gauge, an environmental sensor (for example, a barometer, a hygrometer, a thermometer, a radiation detection sensor, A thermal sensor, a gas sensor, etc.), a chemical sensor (e.g., an electronic nose, a healthcare sensor, a biometric sensor, etc.). Meanwhile, the mobile terminal disclosed in the present specification can combine and utilize information sensed by at least two of the sensors.

The output unit 150 includes at least one of a display unit 151, an acoustic output unit 152, a haptic tip module 153, and a light output unit 154 to generate an output related to visual, auditory, can do. The display unit 151 may have a mutual layer structure with the touch sensor or may be integrally formed to realize a touch screen. The touch screen may function as a user input unit 123 that provides an input interface between the mobile terminal 100 and a user and may provide an output interface between the mobile terminal 100 and a user.

The interface unit 160 serves as a path to various types of external devices connected to the mobile terminal 100. The interface unit 160 is connected to a device having a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, And may include at least one of a port, an audio I / O port, a video I / O port, and an earphone port. In the mobile terminal 100, corresponding to the connection of the external device to the interface unit 160, it is possible to perform appropriate control related to the connected external device.

In addition, the memory 170 stores data supporting various functions of the mobile terminal 100. The memory 170 may store a plurality of application programs or applications running on the mobile terminal 100, data for operation of the mobile terminal 100, and commands. At least some of these applications may be downloaded from an external server via wireless communication. Also, at least a part of these application programs may exist on the mobile terminal 100 from the time of shipment for the basic functions (e.g., telephone call receiving function, message receiving function, and calling function) of the mobile terminal 100. The application program may be stored in the memory 170 and installed on the mobile terminal 100 and may be operated by the control unit 180 to perform the operation (or function) of the mobile terminal 100.

In addition to the operations related to the application program, the control unit 180 typically controls the overall operation of the mobile terminal 100. The control unit 180 may process or process signals, data, information, and the like input or output through the above-mentioned components, or may drive an application program stored in the memory 170 to provide or process appropriate information or functions to the user.

In addition, the controller 180 may control at least some of the components illustrated in FIG. 1A in order to drive an application program stored in the memory 170. FIG. In addition, the controller 180 may operate at least two of the components included in the mobile terminal 100 in combination with each other for driving the application program.

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power to the components included in the mobile terminal 100. The power supply unit 190 includes a battery, which may be an internal battery or a replaceable battery.

At least some of the above components may operate in cooperation with each other to implement a method of operation, control, or control of the mobile terminal 100 according to various embodiments described below. In addition, the operation, control, or control method of the mobile terminal 100 may be implemented on the mobile terminal by driving at least one application program stored in the memory 170.

Hereinafter, the components listed above will be described in more detail with reference to FIG. 1 before explaining various embodiments implemented through the mobile terminal 100 as described above.

First, referring to the wireless communication unit 110, the broadcast receiving module 111 of the wireless communication unit 110 receives broadcast signals and / or broadcast-related information from an external broadcast management server through a broadcast channel. The broadcast channel may include a satellite channel and a terrestrial channel. Two or more broadcast receiving modules may be provided to the mobile terminal 100 for simultaneous broadcast reception or broadcast channel switching for at least two broadcast channels.

The mobile communication module 112 may be a mobile communication module or a mobile communication module such as a mobile communication module or a mobile communication module that uses technology standards or a communication method (e.g., Global System for Mobile communication (GSM), Code Division Multi Access (CDMA), Code Division Multi Access 2000 (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution And an external terminal, or a server on a mobile communication network established according to a long term evolution (AR), a long term evolution (AR), or the like.

The wireless signal may include various types of data depending on a voice call signal, a video call signal or a text / multimedia message transmission / reception.

The wireless Internet module 113 is a module for wireless Internet access, and may be built in or externally attached to the mobile terminal 100. The wireless Internet module 113 is configured to transmit and receive a wireless signal in a communication network according to wireless Internet technologies.

Wireless Internet technologies include, for example, wireless LAN (WLAN), wireless fidelity (Wi-Fi), wireless fidelity (Wi-Fi) Direct, DLNA (Digital Living Network Alliance), WiBro Interoperability for Microwave Access, High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE) and Long Term Evolution-Advanced (LTE-A) 113 transmit and receive data according to at least one wireless Internet technology, including Internet technologies not listed above.

The wireless Internet module 113 for performing a wireless Internet connection through the mobile communication network can be used for wireless Internet access by WiBro, HSDPA, HSUPA, GSM, CDMA, WCDMA, LTE or LTE- May be understood as a kind of the mobile communication module 112.

The short-range communication module 114 is for short-range communication, and includes Bluetooth ™, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB) (Near Field Communication), Wi-Fi (Wireless-Fidelity), Wi-Fi Direct, and Wireless USB (Wireless Universal Serial Bus) technology. The short-range communication module 114 may communicate with the mobile terminal 100 and the wireless communication system through the wireless area networks, between the mobile terminal 100 and another mobile terminal, And may support wireless communication between the network where the mobile terminal (or the external server) is located. The short-range wireless communication network may be a short-range wireless personal area network.

Here, another mobile terminal may be a wearable device (e.g., a smart watch, smart smart, etc.) capable of exchanging data with the mobile terminal 100 according to the present invention glass, HMD (head mounted display)). The short range communication module 114 may detect (or recognize) a wearable device capable of communicating with the mobile terminal 100 around the mobile terminal 100. [ If the detected wearable device is a device authenticated to communicate with the mobile terminal 100 according to the present invention, the control unit 180 may transmit at least a part of the data processed by the mobile terminal 100 to the short- 114 to the wearable device. Therefore, the user of the wearable device can use the data processed by the mobile terminal 100 through the wearable device. For example, according to this, when a telephone is received in the mobile terminal 100, the user performs a telephone conversation via the wearable device, or when a message is received in the mobile terminal 100, It is possible to check the message.

The position information module 115 is a module for obtaining the position (or current position) of the mobile terminal 100, and representative examples thereof include a Global Positioning System (GPS) module or a Wireless Fidelity (WiFi) module. For example, when the mobile terminal 100 utilizes the GPS module, it can acquire the position of the mobile terminal 100 using a signal transmitted from the GPS satellite. As another example, when the mobile terminal 100 utilizes the Wi-Fi module, the location of the mobile terminal 100 is determined based on the information of the wireless AP (wireless access point) transmitting or receiving the wireless signal with the Wi- Can be obtained. Optionally, the location information module 115 may replace or, in addition, perform at least one of the other modules of the wireless communication unit 110 to obtain data regarding the location of the mobile terminal 100. The position information module 115 is a module used for obtaining the position (or the current position) of the mobile terminal 100, and is not limited to a module for directly calculating or acquiring the position of the mobile terminal 100. [

Next, the input unit 120 is for inputting image information (or signal), audio information (or signal), data, or information input from a user. For inputting image information, Or a plurality of cameras 121 may be provided. The camera 121 processes image frames such as still images or moving images obtained by the image sensor in the video communication mode or the photographing mode. The processed image frame may be displayed on the display unit 151 or stored in the memory 170. [ A plurality of cameras 121 provided in the mobile terminal 100 may be arranged to have a matrix structure and various angles or foci may be provided to the mobile terminal 100 through the camera 121 having the matrix structure A plurality of pieces of image information can be input. In addition, the plurality of cameras 121 may be arranged in a stereo structure so as to acquire a left image and a right image for realizing a stereoscopic image.

The microphone 122 processes the external acoustic signal into electrical voice data. The processed voice data can be utilized variously according to a function (or a running application program) being executed in the mobile terminal 100. Meanwhile, the microphone 122 may be implemented with various noise reduction algorithms for eliminating noise generated in receiving an external sound signal.

The user input unit 123 is for receiving information from a user and when the information is inputted through the user input unit 123, the control unit 180 can control the operation of the mobile terminal 100 to correspond to the input information . The user input unit 123 may include a mechanical input unit or a mechanical key such as a button located on the rear or side of the mobile terminal 100, a dome switch, a jog wheel, Jog switches, etc.) and touch-type input means. For example, the touch-type input means may comprise a virtual key, a soft key or a visual key displayed on the touch screen through software processing, And a touch key disposed on the touch panel. Meanwhile, the virtual key or the visual key can be displayed on a touch screen having various forms, for example, a graphic, a text, an icon, a video, As shown in FIG.

Meanwhile, the sensing unit 140 senses at least one of information in the mobile terminal 100, surrounding environment information surrounding the mobile terminal 100, and user information, and generates a corresponding sensing signal. The control unit 180 may control the driving or operation of the mobile terminal 100 or may perform data processing, function or operation related to the application program installed in the mobile terminal 100 based on the sensing signal. Representative sensors among various sensors that may be included in the sensing unit 140 will be described in more detail.

First, the proximity sensor 141 refers to a sensor that detects the presence of an object approaching a predetermined detection surface, or the presence of an object in the vicinity of the detection surface, without mechanical contact by using electromagnetic force or infrared rays. The proximity sensor 141 may be disposed in the inner region of the mobile terminal 100 wrapped by the touch screen as described above or in proximity to the touch screen.

Examples of the proximity sensor 141 include a transmission type photoelectric sensor, a direct reflection type photoelectric sensor, a mirror reflection type photoelectric sensor, a high frequency oscillation type proximity sensor, a capacitive proximity sensor, a magnetic proximity sensor, and an infrared proximity sensor. In the case where the touch screen is electrostatic, the proximity sensor 141 can be configured to detect the proximity of the object with a change of the electric field along the proximity of the object having conductivity. In this case, the touch screen (or touch sensor) itself may be classified as a proximity sensor.

On the other hand, for convenience of explanation, the act of recognizing that the object is located on the touch screen in proximity with no object touching the touch screen is referred to as "proximity touch & The act of actually touching an object on the screen is called a "contact touch. &Quot; The position at which the object is closely touched on the touch screen means a position where the object corresponds to the touch screen vertically when the object is touched. The proximity sensor 141 can detect a proximity touch and a proximity touch pattern (e.g., a proximity touch distance, a proximity touch direction, a proximity touch speed, a proximity touch time, a proximity touch position, have. Meanwhile, the control unit 180 processes data (or information) corresponding to the proximity touch operation and the proximity touch pattern sensed through the proximity sensor 141 as described above, and further provides visual information corresponding to the processed data It can be output on the touch screen. Furthermore, the control unit 180 can control the mobile terminal 100 such that different operations or data (or information) are processed according to whether the touch to the same point on the touch screen is a proximity touch or a touch touch .

The touch sensor senses a touch (or touch input) applied to the touch screen (or the display unit 151) by using at least one of various touch methods such as a resistance film type, a capacitive type, an infrared type, an ultrasonic type, do.

For example, the touch sensor may be configured to convert a change in a pressure applied to a specific portion of the touch screen or a capacitance generated at a specific portion into an electrical input signal. The touch sensor may be configured to detect a position, an area, a pressure at the time of touch, a capacitance at the time of touch, and the like where a touch object touching the touch screen is touched on the touch sensor. Here, the touch object may be a finger, a touch pen, a stylus pen, a pointer, or the like as an object to which a touch is applied to the touch sensor.

Thus, when there is a touch input to the touch sensor, the corresponding signal (s) is sent to the touch controller. The touch controller processes the signal (s) and transmits the corresponding data to the controller 180. Thus, the control unit 180 can know which area of the display unit 151 is touched or the like. Here, the touch controller may be a separate component from the control unit 180, and may be the control unit 180 itself.

On the other hand, the control unit 180 may perform different controls or perform the same control according to the type of the touch object touching the touch screen (or a touch key provided on the touch screen). Whether to perform different controls or to perform the same control according to the type of the touch object may be determined according to the current state of the mobile terminal 100 or an application program being executed.

On the other hand, the touch sensors and the proximity sensors discussed above can be used independently or in combination to provide a short touch (touch), a long touch, a multi touch, a drag touch ), Flick touch, pinch-in touch, pinch-out touch, swipe touch, hovering touch, and the like. Touch can be sensed.

The ultrasonic sensor can recognize the position information of the object to be sensed by using ultrasonic waves. Meanwhile, the controller 180 can calculate the position of the wave generating source through the information sensed by the optical sensor and the plurality of ultrasonic sensors. The position of the wave source can be calculated using the fact that the light is much faster than the ultrasonic wave, that is, the time when the light reaches the optical sensor is much faster than the time the ultrasonic wave reaches the ultrasonic sensor. More specifically, the position of the wave generating source can be calculated using the time difference with the time when the ultrasonic wave reaches the reference signal.

The camera 121 includes at least one of a camera sensor (for example, a CCD, a CMOS, etc.), a photo sensor (or an image sensor), and a laser sensor.

The camera 121 and the laser sensor may be combined with each other to sense a touch of the sensing object with respect to the three-dimensional stereoscopic image. The photosensor may be laminated to the display element, which is configured to scan the movement of the object proximate the touch screen. More specifically, the photosensor mounts photo diodes and TRs (Transistors) in a row / column and scans the contents loaded on the photosensor using an electrical signal that varies according to the amount of light applied to the photo diode. That is, the photo sensor performs coordinate calculation of the object to be sensed according to the amount of change of light, and position information of the object to be sensed can be obtained through the calculation.

The display unit 151 displays (outputs) information processed by the mobile terminal 100. For example, the display unit 151 may display execution screen information of an application program driven by the mobile terminal 100 or UI (User Interface) and GUI (Graphic User Interface) information according to the execution screen information .

In addition, the display unit 151 may be configured as a stereoscopic display unit for displaying a stereoscopic image.

In the stereoscopic display unit, a three-dimensional display system such as a stereoscopic system (glasses system), an autostereoscopic system (no-glasses system), and a projection system (holographic system) can be applied.

The sound output unit 152 may output audio data received from the wireless communication unit 110 or stored in the memory 170 in a call signal reception mode, a call mode or a recording mode, a voice recognition mode, a broadcast reception mode, The sound output unit 152 also outputs sound signals related to functions (e.g., call signal reception sound, message reception sound, etc.) performed in the mobile terminal 100. [ The audio output unit 152 may include a receiver, a speaker, a buzzer, and the like.

The haptic module 153 generates various tactile effects that the user can feel. A typical example of the haptic effect generated by the haptic module 153 may be vibration. The intensity and pattern of the vibration generated in the haptic module 153 can be controlled by the user's selection or the setting of the control unit. For example, the haptic module 153 may synthesize and output different vibrations or sequentially output the vibrations.

In addition to vibration, the haptic module 153 includes a pin arrangement vertically moving with respect to the contacted skin surface, a spraying force or suction force of the air through the injection port or the suction port, a touch on the skin surface, contact of an electrode, And various effects of tactile effect such as effect of reproducing the cold sensation using the heat absorbing or heatable element can be generated.

The haptic module 153 can transmit the tactile effect through the direct contact, and the tactile effect can be felt by the user through the muscles of the finger or arm. The haptic module 153 may include two or more haptic modules 153 according to the configuration of the mobile terminal 100.

The light output unit 154 outputs a signal for notifying the occurrence of an event using the light of the light source of the mobile terminal 100. Examples of events that occur in the mobile terminal 100 may include message reception, call signal reception, missed call, alarm, schedule notification, email reception, information reception through an application, and the like.

The signal output by the optical output unit 154 is implemented as the mobile terminal 100 emits light of a single color or a plurality of colors to the front or rear surface. The signal output may be terminated when the mobile terminal 100 detects an event confirmation of the user.

The interface unit 160 serves as a path for communication with all external devices connected to the mobile terminal 100. The interface unit 160 receives data from an external device or supplies power to each component in the mobile terminal 100 or transmits data in the mobile terminal 100 to an external device. For example, a port for connecting a device equipped with a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, an audio I / O port, a video I / O port, an earphone port, and the like may be included in the interface unit 160.

The identification module is a chip for storing various information for authenticating the use right of the mobile terminal 100 and includes a user identification module (UIM), a subscriber identity module (SIM) A universal subscriber identity module (USIM), and the like. Devices with identification modules (hereinafter referred to as "identification devices") can be manufactured in a smart card format. Accordingly, the identification device can be connected to the mobile terminal 100 through the interface unit 160. [

When the mobile terminal 100 is connected to an external cradle, the interface unit 160 may be a path through which power from the cradle is supplied to the mobile terminal 100, May be a channel through which various command signals transmitted to the mobile terminal 100 may be transmitted. The various command signals or the power source input from the cradle may be operated as a signal for recognizing that the mobile terminal 100 is correctly mounted on the cradle.

The memory 170 may store a program for the operation of the controller 180 and temporarily store input / output data (e.g., a phone book, a message, a still image, a moving picture, etc.). The memory 170 may store data on vibration and sound of various patterns outputted when a touch is input on the touch screen.

The memory 170 may be a flash memory type, a hard disk type, a solid state disk type, an SDD type (Silicon Disk Drive type), a multimedia card micro type ), Card type memory (e.g., SD or XD memory), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read memory, a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, and / or an optical disk. The mobile terminal 100 may operate in association with a web storage that performs the storage function of the memory 170 on the Internet.

Meanwhile, as described above, the control unit 180 controls the operations related to the application program and the general operation of the mobile terminal 100. [ For example, when the state of the mobile terminal 100 satisfies a set condition, the controller 180 may execute or release a lock state for restricting input of a user's control command to applications.

In addition, the control unit 180 performs control and processing related to voice communication, data communication, video call, or the like, or performs pattern recognition processing to recognize handwriting input or drawing input performed on the touch screen as characters and images, respectively . Further, the controller 180 may control any one or a plurality of the above-described components in order to implement various embodiments described below on the mobile terminal 100 according to the present invention.

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power necessary for operation of the respective components. The power supply unit 190 includes a battery, the battery may be an internal battery configured to be chargeable, and may be detachably coupled to the terminal body for charging or the like.

In addition, the power supply unit 190 may include a connection port, and the connection port may be configured as an example of the interface 160 in which an external charger for supplying power for charging the battery is electrically connected.

As another example, the power supply unit 190 may be configured to charge the battery in a wireless manner without using the connection port. In this case, the power supply unit 190 may use at least one of an inductive coupling method based on a magnetic induction phenomenon from an external wireless power transmission apparatus and a magnetic resonance coupling method based on an electromagnetic resonance phenomenon Power can be delivered.

In the following, various embodiments may be embodied in a recording medium readable by a computer or similar device using, for example, software, hardware, or a combination thereof.

Hereinafter, a structure of a mobile terminal 100 or a terminal in which the above-described components are disposed will be described with reference to FIGS. 1B and 1C, according to an embodiment of the present invention shown in FIG. 1A.

Referring to FIGS. 1B and 1C, the disclosed mobile terminal 100 includes a bar-shaped terminal body. However, the present invention is not limited thereto and can be applied to various structures such as a folder type, a flip type, a slide type, a swing type, and a swivel type in which a watch type, a clip type, a glass type or two or more bodies are relatively movably coupled . The following discussion will be related to a particular type of mobile terminal, but a description of a particular type of mobile terminal is generally applicable to other types of mobile terminals.

Here, the terminal body can be understood as a concept of referring to the mobile terminal 100 as at least one aggregate.

The mobile terminal 100 includes a case (for example, a frame, a housing, a cover, and the like) that forms an appearance. As shown, the mobile terminal 100 may include a front case 101 and a rear case 102. Various electronic components are disposed in the inner space formed by the combination of the front case 101 and the rear case 102. At least one middle case may be additionally disposed between the front case 101 and the rear case 102.

A display unit 151 is disposed on a front surface of the terminal body to output information. The window 151a of the display unit 151 may be mounted on the front case 101 to form a front surface of the terminal body together with the front case 101. [

In some cases, electronic components may also be mounted on the rear case 102. Electronic parts that can be mounted on the rear case 102 include detachable batteries, an identification module, a memory card, and the like. In this case, a rear cover 103 for covering the mounted electronic components can be detachably coupled to the rear case 102. Therefore, when the rear cover 103 is separated from the rear case 102, the electronic parts mounted on the rear case 102 are exposed to the outside.

As shown, when the rear cover 103 is coupled to the rear case 102, a side portion of the rear case 102 can be exposed. In some cases, the rear case 102 may be completely covered by the rear cover 103 during the engagement. Meanwhile, the rear cover 103 may be provided with an opening for exposing the camera 121b and the sound output unit 152b to the outside.

These cases 101, 102, and 103 may be formed by injection molding of synthetic resin or may be formed of metal such as stainless steel (STS), aluminum (Al), titanium (Ti), or the like.

The mobile terminal 100 may be configured such that one case provides the internal space, unlike the above example in which a plurality of cases provide an internal space for accommodating various electronic components. In this case, a unibody mobile terminal 100 in which synthetic resin or metal is connected from the side to the rear side can be realized.

Meanwhile, the mobile terminal 100 may include a waterproof unit (not shown) for preventing water from penetrating into the terminal body. For example, the waterproof portion is provided between the window 151a and the front case 101, between the front case 101 and the rear case 102, or between the rear case 102 and the rear cover 103, And a waterproof member for sealing the inside space of the oven.

The mobile terminal 100 is provided with a display unit 151, first and second sound output units 152a and 152b, a proximity sensor 141, an illuminance sensor 142, a light output unit 154, Cameras 121a and 121b, first and second operation units 123a and 123b, a microphone 122, an interface unit 160, and the like.

1B and 1C, a display unit 151, a first sound output unit 152a, a proximity sensor 141, an illuminance sensor 142, an optical output unit (not shown) A second operation unit 123b, a microphone 122 and an interface unit 160 are disposed on a side surface of the terminal body, And a mobile terminal 100 having a second sound output unit 152b and a second camera 121b disposed on a rear surface thereof.

However, these configurations are not limited to this arrangement. These configurations may be excluded or replaced as needed, or placed on different planes. For example, the first operation unit 123a may not be provided on the front surface of the terminal body, and the second sound output unit 152b may be provided on the side surface of the terminal body rather than the rear surface of the terminal body.

The display unit 151 displays (outputs) information processed by the mobile terminal 100. For example, the display unit 151 may display execution screen information of an application program driven by the mobile terminal 100 or UI (User Interface) and GUI (Graphic User Interface) information according to the execution screen information .

The display unit 151 may be a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), a flexible display display, a 3D display, and an e-ink display.

In addition, the display unit 151 may exist in two or more depending on the embodiment of the mobile terminal 100. In this case, the mobile terminal 100 may be provided with a plurality of display portions spaced apart from each other or disposed integrally with one another, or may be disposed on different surfaces, respectively.

The display unit 151 may include a touch sensor that senses a touch with respect to the display unit 151 so that a control command can be received by a touch method. When a touch is made to the display unit 151, the touch sensor senses the touch, and the control unit 180 generates a control command corresponding to the touch based on the touch. The content input by the touch method may be a letter or a number, an instruction in various modes, a menu item which can be designated, and the like.

The touch sensor may be a film having a touch pattern and disposed between the window 151a and a display (not shown) on the rear surface of the window 151a, or may be a metal wire . Alternatively, the touch sensor may be formed integrally with the display. For example, the touch sensor may be disposed on a substrate of the display or inside the display.

In this way, the display unit 151 can form a touch screen together with the touch sensor. In this case, the touch screen can function as a user input unit 123 (see FIG. 1A). In some cases, the touch screen may replace at least some functions of the first operation unit 123a.

The first sound output unit 152a may be implemented as a receiver for transmitting a call sound to a user's ear and the second sound output unit 152b may be implemented as a loud speaker for outputting various alarm sounds or multimedia playback sounds. ). ≪ / RTI >

The window 151a of the display unit 151 may be provided with an acoustic hole for emitting the sound generated from the first acoustic output unit 152a. However, the present invention is not limited to this, and the sound may be configured to be emitted along an assembly gap (for example, a gap between the window 151a and the front case 101) between the structures. In this case, the appearance of the mobile terminal 100 can be made more simple because the hole formed independently for the apparent acoustic output is hidden or hidden.

The optical output unit 154 is configured to output light for notifying the occurrence of an event. Examples of the event include a message reception, a call signal reception, a missed call, an alarm, a schedule notification, an email reception, and reception of information through an application. The control unit 180 may control the light output unit 154 to terminate the light output when the event confirmation of the user is detected.

The first camera 121a processes an image frame of a still image or a moving image obtained by the image sensor in the photographing mode or the video communication mode. The processed image frame can be displayed on the display unit 151 and can be stored in the memory 170. [

The first and second operation units 123a and 123b may be collectively referred to as a manipulating portion as an example of a user input unit 123 operated to receive a command for controlling the operation of the mobile terminal 100 have. The first and second operation units 123a and 123b can be employed in any manner as long as the user is in a tactile manner such as touch, push, scroll, or the like. In addition, the first and second operation units 123a and 123b may be employed in a manner that the user operates the apparatus without touching the user through a proximity touch, a hovering touch, or the like.

In this figure, the first operation unit 123a is a touch key, but the present invention is not limited thereto. For example, the first operation unit 123a may be a mechanical key or a combination of a touch key and a touch key.

The contents input by the first and second operation units 123a and 123b can be variously set. For example, the first operation unit 123a receives a command such as a menu, a home key, a cancellation, a search, and the like, and the second operation unit 123b receives a command from the first or second sound output unit 152a or 152b The size of the sound, and the change of the display unit 151 to the touch recognition mode.

On the other hand, a rear input unit (not shown) may be provided on the rear surface of the terminal body as another example of the user input unit 123. The rear input unit is operated to receive a command for controlling the operation of the mobile terminal 100, and input contents may be variously set. For example, commands such as power on / off, start, end, scrolling, and the like, the size adjustment of the sound output from the first and second sound output units 152a and 152b, And the like can be inputted. The rear input unit may be implemented as a touch input, a push input, or a combination thereof.

The rear input unit may be disposed so as to overlap with the front display unit 151 in the thickness direction of the terminal body. For example, the rear input unit may be disposed at the rear upper end of the terminal body such that when the user holds the terminal body with one hand, the rear input unit can be easily operated using the index finger. However, the present invention is not limited thereto, and the position of the rear input unit may be changed.

When a rear input unit is provided on the rear surface of the terminal body, a new type of user interface using the rear input unit can be realized. When the first operation unit 123a is not disposed on the front surface of the terminal body in place of at least a part of the functions of the first operation unit 123a provided on the front surface of the terminal body, The display unit 151 may be configured as a larger screen.

Meanwhile, the mobile terminal 100 may be provided with a fingerprint recognition sensor for recognizing the fingerprint of the user, and the controller 180 may use the fingerprint information sensed through the fingerprint recognition sensor as authentication means. The fingerprint recognition sensor may be embedded in the display unit 151 or the user input unit 123.

The microphone 122 is configured to receive the user's voice, other sounds, and the like. The microphone 122 may be provided at a plurality of locations to receive stereophonic sound.

The interface unit 160 is a path through which the mobile terminal 100 can be connected to an external device. For example, the interface unit 160 may include a connection terminal for connection with another device (for example, an earphone or an external speaker), a port for short-range communication (for example, an infrared port (IrDA Port), a Bluetooth port A wireless LAN port, or the like), or a power supply terminal for supplying power to the mobile terminal 100. The interface unit 160 may be implemented as a socket for receiving an external card such as a SIM (Subscriber Identification Module) or a UIM (User Identity Module) or a memory card for storing information.

And a second camera 121b may be disposed on a rear surface of the terminal body. In this case, the second camera 121b has a photographing direction substantially opposite to that of the first camera 121a.

The second camera 121b may include a plurality of lenses arranged along at least one line. The plurality of lenses may be arranged in a matrix form. Such a camera can be named an 'array camera'. When the second camera 121b is configured as an array camera, images can be taken in various ways using a plurality of lenses, and a better quality image can be obtained.

The flash 124 may be disposed adjacent to the second camera 121b. The flash 124 shines light toward the subject when the subject is photographed by the second camera 121b.

And a second sound output unit 152b may be additionally disposed in the terminal body. The second sound output unit 152b may implement a stereo function together with the first sound output unit 152a and may be used for implementing a speakerphone mode in a call.

The terminal body may be provided with at least one antenna for wireless communication. The antenna may be embedded in the terminal body or formed in the case. For example, an antenna constituting a part of the broadcast receiving module 111 (see FIG. 1A) may be configured to be able to be drawn out from the terminal body. Alternatively, the antenna may be formed in a film type and attached to the inner surface of the rear cover 103, or a case including a conductive material may be configured to function as an antenna.

The terminal body is provided with a power supply unit 190 (see FIG. 1A) for supplying power to the mobile terminal 100. The power supply unit 190 may include a battery 191 built in the terminal body or detachable from the outside of the terminal body.

The battery 191 may be configured to receive power through a power cable connected to the interface unit 160. In addition, the battery 191 may be configured to be wirelessly chargeable through a wireless charger. The wireless charging may be implemented by a magnetic induction method or a resonance method (magnetic resonance method).

The rear cover 103 is configured to be coupled to the rear case 102 so as to cover the battery 191 to restrict the release of the battery 191 and to protect the battery 191 from external impact and foreign matter . When the battery 191 is detachably attached to the terminal body, the rear cover 103 may be detachably coupled to the rear case 102.

The mobile terminal 100 may be provided with an accessory that protects the appearance or supports or expands the function of the mobile terminal 100. [ One example of such an accessory is a cover or pouch that covers or accommodates at least one side of the mobile terminal 100. [ The cover or pouch may be configured to interlock with the display unit 151 to expand the function of the mobile terminal 100. Another example of an accessory is a touch pen for supplementing or extending a touch input to the touch screen.

Meanwhile, the mobile terminal 100 according to the embodiment of the present invention may include a plurality of payment means. The payment means included in the mobile terminal 100 means a payment means for the buyer to pay the seller. The payment means includes a credit card, a debit card stored in the mobile terminal 100, And so on. When the payment request and approval of the user for the payment request are detected, the controller 180 transmits any one of the plurality of payment information selected in response to the payment request in response to the payment request, .

Hereinafter, embodiments related to a control method that can be implemented in the mobile terminal 100 configured as above will be described with reference to the accompanying drawings. It will be apparent to those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.

FIG. 2 is a flowchart illustrating an operation procedure in which a main payment means is changed according to a currently located country in a mobile terminal according to an embodiment of the present invention.

First, the control unit 180 of the mobile terminal 100 according to the embodiment of the present invention can identify the country where the user is currently staying according to the current location of the mobile terminal (S200). In step S200, the controller 180 can identify the country corresponding to the current location of the mobile terminal 100 in various manners.

For example, when the mobile terminal 100 is connected to the Visited Network due to roaming, the controller 180 identifies a country corresponding to the current location of the mobile terminal 100 based on information received from the Visited Network can do.

Generally, roaming refers to a service that enables subscribers to make calls through a facility of another communication company in an area where a mobile communication company does not have its own communication facility. When mobile terminal 100 shares a network of different mobile communication companies So as to cover a wider area at a lower cost. Herein, the communication network of the mobile communication company to which the subscriber is registered is referred to as a home network, and the communication network of another mobile communication company connected at the time of roaming is referred to as a visited network.

Such roaming enables users to carry out mobile communication as they are used in the domestic area in the overseas area. In this case, roaming in the overseas area can be achieved by connecting the mobile terminal 100 to a communication network (a visiting network) of an overseas mobile communication company affiliated with a domestic mobile communication company registered with the mobile terminal 100 subscriber .

Meanwhile, whether or not the mobile terminal 100 is connected to the visited network can be identified from the PLMN (Public Land Mobile Network) ID received from the communication network to which the control unit 180 of the mobile terminal 100 is currently connected. That is, the controller 180 compares the PLMN ID of the home network with the PLMN ID of the currently connected communication network, and determines that the PLMN ID is connected to the current visited network if it is not the same. The control unit 180 may identify the current location of the mobile terminal 100 from the PLMN ID.

Hereinafter, the operation of identifying the current location of the mobile terminal 100 based on the information received from the visited network by the mobile terminal 100 according to the embodiment of the present invention will be described in more detail with reference to FIGS. 3 to 6 I will explain.

Meanwhile, in step S200, the controller 180 may acquire the location of the mobile terminal 100 using a location information module 115 such as a GPS module or a WiFi module. Then, the country information corresponding to the obtained position can be confirmed.

Or the control unit 180 may use various information received by the mobile terminal 100 to identify the area where the mobile terminal 100 is currently located. For example, the control unit 180 may identify a country corresponding to a current location of the mobile terminal 100 through a received roaming guide message or the like to inform that the roaming has been performed.

Or the controller 180 may identify the current position of the mobile terminal 100 through a peripheral device that can provide information related to the current position of the mobile terminal 100. [ The peripheral device may be various. For example, the peripheral device may be a payment terminal for transmitting a payment request to the mobile terminal 100.

If the country corresponding to the current location of the mobile terminal 100 is confirmed in step S200, the controller 180 determines whether the current location of the mobile terminal 100 is a location corresponding to the location of the current mobile terminal 100 among the plurality of payment methods included in the mobile terminal 100 At least one payment means suitable for use in the country where the payment is made may be recommended to the user (S202).

For this, the controller 180 may collect information related to the country where the mobile terminal 100 is currently located, for each of a plurality of payment means currently included in the mobile terminal 100, in step S202. For example, the control unit 180 may collect information related to the country where the mobile terminal 100 is currently located, from issuers who issued the payment means, that is, a bank or a credit card company. The information of each payment means collected here can be used to determine whether or not the information is available in the country where the mobile terminal 100 is currently located, the Card Association Brand owned by each payment means, and discounts, Or information relating to tax exemption benefits for certain areas of the country.

On the other hand, when the information on the payment means is collected, the controller 180 can search at least one of the plurality of payment means based on various preset criteria and display the searched result.

For example, the control unit 180 can search for payment means available in the country where the mobile terminal 100 is currently located among a plurality of payment means currently included in the mobile terminal 100. Whether or not the mobile terminal 100 can be used in the country where the mobile terminal 100 is located can be determined based on whether the foreign usage restriction setting set in the payment means or the currency supported by the payment means is money used in the country where the mobile terminal 100 is located, The expiration date of the payment means, and the like.

That is, when the restriction setting for prohibiting the use of foreign countries among the plurality of payment means, that is, the restriction of overseas use is set, the control unit 180 can determine that the payment means is unusable. Or the control unit 180 can determine that the payment means is unavailable if the payment means can not pay with the common currency in the country where the mobile terminal 100 is located. If the expiration period is within a predetermined period, the controller 180 may determine that the payment means is unavailable. In this case, the controller 180 can check the user's overseas stay period based on the schedule information of the user stored in the mobile terminal 100 or the ticket purchase history information. And may determine that the payment means for expiring the period within the confirmed overseas stay period is unusable.

In addition, according to the search result, the payment means usable in the country where the mobile terminal 100 is currently located among the plurality of payment means can be distinguished so that the user can identify the payment means. In this case, if there is one available payment means in the currently located country, the control unit 180 may directly set the currently searched payment means as the 'main payment means'.

Here, the 'main payment means' may mean a payment means previously selected by the user so that settlement may be performed according to the detected payment request among the plurality of payment means. In this case, the payment means selected as the 'main payment means' may be the payment means in the' activated state ', and the payment means not selected as the' main payment means' may be the payment means in the ' .

On the other hand, if it is determined that there is no payment means available in the country where the mobile terminal 100 is currently located among the plurality of payment means, the controller 180 instructs the user to issue a new payment means available in the corresponding country . Alternatively, the control unit 180 may display guide information for requesting a user to change the setting of at least one of the plurality of payment means so that the user can use the setting of at least one of the plurality of payment means in the country where the mobile terminal 100 is currently located.

On the other hand, if the search result shows that there are a plurality of payment means available in the country where the mobile terminal 100 is currently located among the plurality of payment means, the control unit 180 may determine that the user has selected at least one payment means It can be selected as a payment means.

For example, the control unit 180 may search for payment means having the same brand as the card brand of a card association that is available in the country identified in step S200 among the plurality of payment means. Here, the 'card association' may refer to a card issuer and a buyer's network that process a payment card having a specific brand, such as 'MASTER' or 'VISA'. That is, when the brand of the card association that can be used in the country where the mobile terminal 100 is currently located is 'MASTER', the controller 180 searches for a payment means having a 'MASTER' brand among a plurality of payment means previously stored, The retrieved payment means can be displayed separately. In this case, if the searched payment means is one, the control unit 180 may directly set the currently searched payment means as the 'main payment means'.

On the other hand, if there are a plurality of payment means having the same brand as the card brand of the card association that can be used in the country identified in step S200, More information related to the benefits of the payment instrument can be displayed. Information about these benefits may include region-specific discounts, fees, or duty-free benefits for the country in which you are located. In step S202, the mobile terminal 100 searches for available payment means in the country where the mobile terminal 100 is currently located, and displays information on each payment means associated with the currently located country on the display unit 151 A detailed operation process will be described with reference to FIG.

In this manner, the controller 180 can display information on a plurality of payment means included in the current mobile terminal 100 in step S202. The control unit 180 can select at least one of the plurality of payment means from the user. Then, the control unit 180 may set the selected at least one payment means as a 'main payment means' (S204). In this case, in step S204, at least one payment means selected from the user among the plurality of payment means stored in the mobile terminal 100 is set to an active state, and other payment means except for the selected payment means are set to an inactive state Lt; / RTI > In this case, the controller 180 can make the payment only through the payment means in the active state.

Meanwhile, when the main payment means is set as described above, the control unit 180 can detect whether or not there is a payment request. If the payment request is received, the information of the payment means currently set as the 'main payment means' is transmitted to the user so that payment according to the payment request is made (S206).

It is a matter of course that there may be a plurality of main payment means. For example, the control unit 180 may set a plurality of main payment means such that different payment means are used based on the peripheral circumstances detected when a payment request is received according to a user's selection. For example, the control unit 180 determines whether the mobile terminal 100 is in a specific location or in a specific area (for example, a duty-free shop), according to the total amount of the consumption amount, The settlement may be performed by another payment means.

Accordingly, the mobile terminal 100 according to an embodiment of the present invention detects the foreign roaming of the mobile terminal 100, and determines a country corresponding to the current location of the mobile terminal 100, I.e. whether it is available in the country in which the user is staying or the benefits offered. By allowing the user to select any one of the payment means based on the availability and benefits, the payment means suitable for use in the currently located country can be easily and easily found.

According to the above description, when the foreign roaming is detected, the control unit 180 of the mobile terminal 100 according to the embodiment of the present invention extracts, from the information of the connected visited network, the current location of the mobile terminal 100 It is possible to identify the corresponding country. 3 to 6 are for explaining the operation of the mobile terminal 100 according to the embodiment of the present invention in more detail.

3 is a conceptual diagram showing a network environment to which a mobile terminal 100 according to an embodiment of the present invention is connected.

Referring to FIG. 3, the eNB 310 is wirelessly connected to a UE (User Equipment: mobile terminal) 100. The eNB 310 allocates frequencies to the UE 100 and is responsible for all wireless related functions including radio bearer control, admission control, mobility control, scheduling, and security. The eNB 310 is provided for each of a plurality of cells constituting a TA (Tracking Area), for example.

The eNB 310 is connected to a core network including a Mobility Management Entity (MME) 200, a Serving GateWay (S-GW) 330 and a Packet GateWay (P-GW) do.

The MME 320 is connected to the eNB 310 via a radio channel and manages the idle mode UE 100 and selects the S-GW 330 and the P-GW 340. The MME 320 performs functions related to roaming and authentication and processes a bearer signal generated in the UE 100. [

The S-GW 330 serves as a mobile anchor when the UE 100 moves.

The P-GW 340 allocates an IP (Internet Protocol) address to the UE 100, performs packet data related functions of the core network, and the UE 100 moves between the 3GPP radio network and the non-3GPP radio network , It acts as a mobility anchor.

Meanwhile, FIG. 4 illustrates an operation procedure in which the mobile terminal 100 is registered to use the connected wireless network when the mobile terminal 100 initially accesses the wireless network environment according to the embodiment of the present invention Fig.

The mobile terminal, that is, the UE 100, when the power is turned on, transmits an Attach message to the base station (eNB) 310 of the cell where the UE 100 is located to request the MME 310 to use the network, request message (S400). Here, the Attach request message may include an International Mobile Subscriber Identity (IMSI), which is identification information of the UE 100.

Upon receiving the Attach request, the eNB 310 transmits a Cell Global Identifier (ECGI) and a Track Area Identifier (TAI) of the cell in which the eNB 310 is located, And transmits an Initial UE message including information to the MME 320. Here, the eNB 310 transmits the Attach request message to the Initial UE message. Here, the TAI indicates identification information of a TA (Track Area) including a cell of the eNB 310 receiving the Attach request message.

Meanwhile, the MME 310 updates the location of the UE 100 based on information included in the received Initial UE message, i.e., IMSI, TAI, etc. (S420). In step S420, the MME 320 authenticates the UE 200 through an HSS (Home Subscriber Sever), and registers the UE 100 so that the UE 100 can access the network when the UE 100 is an authorized subscriber .

The MME 320 transmits an Attach accept message to the UE 100 in response to the Attach request message of the UE 100. To this end, the MME 320 transmits the Attach accept message to the eNB 310 so that the Attach accept message is delivered to the UE 100 (S430). Then, the eNB 310 transmits an Attach accept message received from the MME 320 to the UE 100 (S440). Then, the UE 100 can recognize that it is registered in the currently connected network, and can perform wireless communication through the connected network.

Meanwhile, in step S430, the MME 310 identifies the neighboring TAs adjacent to the TA corresponding to the TAI information received from the eNB 310 based on the TAI information included in the Initial UE message May be attached to the Attach accept message and transmitted. Accordingly, the UE 100 that has received the Attach accept message can acquire information related to the TA where the UE 100 is currently located and the TA around the TA.

Meanwhile, the TAI list includes information on other TAs around the TA in which the UE (mobile terminal 100) is currently located, i.e., TAI information, as described above. And the TAI information includes information related to the location of the corresponding TA.

FIG. 5 is a conceptual diagram showing the frame structure of such TAI (Track Area Identifier) information.

Referring to FIG. 5, the TAI information may include up to 40 bits of data, and may include a PLMN ID 550 and a TAC (Track Area Code) 530. Here, the TAC 530 indicates a unique value allocated to each TA by a communication carrier, and the PLMN ID 550 may indicate a unique value that can identify a communication carrier.

The control unit 180 may compare the PLMN ID 550 with the home PLMN ID currently stored in the memory 170. [ If the PLMN ID 550 obtained from the received TAI information is different from the home PLMN ID, it can be determined that the PLMN ID 550 is connected to a network other than the current home network, that is, a visited network.

The PLMN ID 550 may include a Mobile Country Code (MCC) 510 and an MNC (Mobile Network Code) 520, as shown in FIG. The control unit 180 receives the PLMN ID 550 of the visited network from the MCC 510 and the MNC 520 included in the PLMN ID of the visited network, Can be identified. For example, in case of 'Korea', the MCC 510 is allocated '450', and 'SKT' which is one of communication carriers in 'Korea' is allocated as '05' to the MNC 520. Accordingly, when the PLMN ID 550 is '45005', the mobile terminal 100 can recognize that the mobile terminal 100 is currently connected to the network of the 'SKT' communication provider located in 'Korea'.

Accordingly, the mobile terminal according to the embodiment of the present invention, i.e., the UE 100, can identify the country corresponding to the current location based on the received TAI list. That is, the control unit 180 can confirm the MCC 510 from the TAI information of the TAI list received from the MME 320, as described above. The identified MCC 510 can identify the country where the mobile terminal 100 is currently located.

For this, the mobile terminal 100 according to the embodiment of the present invention may store information, which can identify a specific country, in the memory 170 in advance from the confirmed MCC 510. In this case, the information stored in the memory 170 may include country information corresponding to each MCC. Hereinafter, the information capable of identifying the corresponding country from the specific MCC will be referred to as MCC country identification information.

Similarly, the controller 180 of the mobile terminal 100 according to the embodiment of the present invention may check the MNC 520 from each of the TAI information included in the TAI list. In this case, it is needless to say that the controller 180 can confirm the information of the network currently connected from the confirmed MNC 520, that is, the carrier information of the area (TA) in which the mobile terminal 100 is currently located. In addition, similar to the MCC country identification information, the MNC 520 may further store, in the memory 170, MNC network identification information for identifying the network.

Meanwhile, the mobile terminal according to the embodiment of the present invention, i.e., the UE 100, can be moved as much as the user moves. When the user moves out of the tracking area (TA) according to the movement of the user, the UE 100 can detect this and perform a tracking area update (TAU).

For example, the UE 100 may receive the broadcasting system information (SIB1: A system information block 1) broadcasted from the base station (eNB) 310 of the currently located cell. Here, the base station (eNB) 310 of the cell can broadcast unique information of the TA to which the cell belongs, that is, a TAC (Track Area Code) through the broadcasting system information SIB1.

The UE 100 may check whether there is a TAI corresponding to the TAC received from the eNB 310 among the TAI information included in the previously stored TAI list. If there is no TAI corresponding to the TAC received from the eNB 310 in the pre-stored TAI list, it is recognized that the TA has been changed and the TA update procedure can be started.

Alternatively, the UE 100 may perform a TAU (Tracking Area Update) procedure when a predetermined period of time has elapsed for periodic TA update.

6 shows a case where the TA 100 corresponding to the TAC received from the eNB 310 among the TAI information included in the TAI list when the UE 100 moves out of the tracking area TA And the UE 100 performs a tracking area update (TAU) in the absence of the TAU.

6, the UE 100 transmits a tracking area update request (TAU request) message to the eNB 310 (S600), and the eNB 310 transmits the tracking area update request (TAU request) message to the MME 320 (S602). The MME 320 transmits a context request message requesting the context information of the UE 100 to the old MME, that is, the old MME (S604), and transmits a response to the context request message (S206).

Thereafter, the MME 320 transmits a Modify Bearer Request message for requesting bearer change to the S-GW 330 in step S608, and receives a response to the bearer change request in step S610.

Then, the MME 320 transmits an Update Location Request message requesting the location update to the HSS (S612), and the HSS cancels the location registration of the old MME (S614, S616) , And transmits a response to the location update (Update Location Ack) to the MME 320 (S618).

Then, the MME 320 transmits a TAU Accept message to the UE 100 to permit tracking area update (S620).

At this time, the MME transmits the TAI list to the UE 100 together with the TAU Accept message. Here, the TAI list refers to a list including TAIs of other TAs adjacent to the TA where the UE 100 is currently located.

Accordingly, when the TAU procedure is completed, the UE 100, i.e., the mobile terminal 100 according to the embodiment of the present invention, can acquire information about the TAI of the TA where the TAI is located and the TAIs of neighboring TAs. The control unit 180 of the mobile terminal 100 may obtain the PLMN ID including the MCC and the MNC by parsing the TAI information. Using this information, the identification information of the currently connected visited network and the area where the mobile terminal 100 is currently located can be identified.

3 to 6, the control unit 180 of the mobile terminal 100 according to the embodiment of the present invention determines whether the position of the mobile terminal 100 is changed upon initial registration in the network, For example, overseas roaming, etc.), thereby acquiring information on the communication carrier in the country where the mobile terminal 100 is currently located and the current location.

2, if the country corresponding to the current location of the mobile terminal 100, that is, the country where the mobile terminal 100 is currently located is identified, the controller 180 determines whether the mobile terminal 100 is currently located, Based on the identified country, at least one of the payment means previously stored in the mobile terminal 100 may be searched for as payment means suitable for use in the identified country.

Meanwhile, it goes without saying that the ATTACH ACCEPT message or the TAU ACCPEPT message shown in FIGS. 4 and 6 may not be received in a specific case. For example, when the mobile terminal 100 is connected to another network other than an LTE (Long Term Evolution) network or a 3GPP (Third Generation Partnership Project) network according to the movement of the user, (When an ATTACH REJECT message is received), or when a TA Update request is rejected (when a TAU REJECT message is received), the ATTACH ACCEPT message or the TAU ACCPEPT message may not be received to be. In this case, the control unit 180 may not receive the PLMN ID of the visited network according to the location of the mobile terminal 100, because the ATTACH ACCEPT message or the TAU ACCPEPT message is not received.

Then, the control unit 180 of the mobile terminal 100 according to the embodiment of the present invention can detect this state. For example, the controller 180 may determine that the ATTACH ACCEPT message or the TAU ACCPEPT message is not received when the ATTACH REQUEST message or the TAU REQUEST message is not received for a predetermined time or longer. Alternatively, if the ATTACH ACCEPT message or the TAU ACCPEPT message is not received despite attempting the ATTACH REQUEST process or the TAU REQUEST process of FIG. 4 and FIG. 6 for a predetermined number of times or more, the control unit 180 can not receive the ATTACH ACCEPT message It can be judged. Or the control unit 180 can determine that the ATTACH ACCEPT message or the TAU ACCPEPT message can not be received when the ATTACH REJECT message is received or the TAU REJECT message is received.

Then, the control unit 180 may obtain the information of the country or the visited network according to the location of the current mobile terminal 100, using another method. For example, the control unit 180 may calculate the current location of the mobile terminal 100 using the GPS or WiFi included in the location information module 115 and obtain the corresponding country information. Alternatively, the control unit 180 may acquire information on a country and a visiting network corresponding to the current location of the mobile terminal 100 through a peripheral device (for example, a payment terminal) connectable with the mobile terminal 100. [ Or a country corresponding to the current position of the mobile terminal 100 based on a text recognized from a message received from a specific sender (e.g., a message informing of the movement of the user, etc.). The control unit 180 searches at least one of the payment means previously stored in the mobile terminal 100 as a payment means suitable for use in the country where the mobile terminal 100 is currently located based on the identified country or visited network can do.

FIG. 7 illustrates a process of searching for a payment means suitable for the current location of the mobile terminal 100 in step S202 of FIG.

7, the control unit 180 of the mobile terminal 100 according to the embodiment of the present invention determines whether the payment unit currently available in the country where the mobile terminal 100 is located, among the payment means currently stored in the mobile terminal 100, The payment means can be searched (S700).

For example, in step S700, based on the information collected for each of the payment means, it is possible to detect a payment means having a limited available country. That is, in step S700, the control unit 180 may detect the payment means whose usage is restricted such that the payment unit is restricted from being disabled in the foreign country or is unavailable in the country where the mobile terminal 100 is currently located have. The payment means other than the detected payment means among the payment means pre-stored in the mobile terminal 100 can be identified as the payment means available in the country where the mobile terminal 100 is currently located.

On the other hand, in step S700, the controller 180 can check whether there is a payment means identified as a payment means available in the country where the mobile terminal 100 is currently located, among the payment means previously stored in the mobile terminal 100 (S702). If it is determined in step S702 that there is a payment method available in the country in which the mobile terminal 100 is currently located, the controller 180 transmits various information Can be displayed.

The information displayed here may include information relating to country discounts, commission fees, or tax-exempt benefits for certain areas of the country. Or if a particular event (eg, a festival, a sporting event, etc.) is held in the country in which it is currently located. In this case, if the payment means is providing a special benefit related to the specific event, the control unit 180 may further display information related to the benefit (for example, the 2004 Korea World Cup, Additional discounts, etc.).

These benefit related information may be displayed corresponding to each payment means. For example, the control unit 180 may display the benefit information provided by the payment means in each of the images of the payment means identified as available in step S702. Accordingly, in the present invention, the user can compare the benefit information for each payment means, and the user can select at least one payment means as the 'main payment means' according to the comparison result of the benefit information. Hereinafter, examples in which the benefit-related information provided for the country in which the mobile terminal 100 is currently located are displayed for each payment means and a specific payment means is selected accordingly will be described in more detail with reference to FIGS. 12A to 12D .

On the other hand, if it is determined in step S702 that there is no payment means available in the country where the mobile terminal 100 is currently located, the control unit 180 displays information related to the addition or change of the payment means on the display unit 151 (S706).

In step S706, the control unit 180 may display information on at least one payment means available in the country where the mobile terminal 100 is currently located on the display unit 151. [ Or the control unit 180 may display a menu for requesting the user to change the setting of at least one of the plurality of payment means so that the user can use the setting in at least one of the countries where the mobile terminal 100 is currently located.

The control unit 180 may add a new payment means or change the state of at least one of the plurality of payment means according to the changed state (S708). That is, the controller 180 may display information on the added payment means on the display unit 151 when a new payment means is added by the user. Or at least one payment means may be changed to be available in the country in which the mobile terminal 100 is located according to the change request. Hereinafter, examples in which information related to the addition or change of the payment means is displayed when there is no payment means available in the country where the mobile terminal 100 is currently located will be described in more detail with reference to FIGS. 11A and 11B.

On the other hand, if the new payment means is added or the state of the payment means is changed, the control unit 180 proceeds to steps S700 and S702 again to determine whether there is a payment means available in the country where the mobile terminal 100 is currently located . In this case, the payment means newly added or changed in the restriction setting may be identified as available in the country where the current mobile terminal 100 is currently located in steps S700 and S702. In step S704, the payment unit newly added or changed in the restriction setting may display on the display unit 151 the benefits provided for the country where the mobile terminal 100 is currently located.

In the above description, when overseas roaming occurs, the mobile terminal 100 according to the embodiment of the present invention searches for available payment means in the presently located country, and displays the benefit information provided for the currently located country Thereby making it easier for the user to select the payment means suitable for use in the country where he / she is currently staying, with reference to the flowcharts.

In the following description, it is assumed that, in the mobile terminal 100 according to the embodiment of the present invention, the 'main payment means' is automatically changed based on the country where the mobile terminal 100 is currently located in accordance with the overseas roaming, Examples of displaying the benefit information of the payment means available in the country where the mobile terminal 100 is located will be described in more detail with reference to exemplary diagrams. In the following description, it is assumed that the payment means stored in the mobile terminal 100 is a business card or a debit card for convenience of explanation. However, it is needless to say that the payment means mentioned in the present invention is not limited to this, and it may include cyber money, virtual money such as bit coin, and the like. In the present invention, an image corresponding to the virtual currency such as the cyber money or the bit coin may be displayed in a manner similar to the credit card or the debit card image, and the virtual currency may be selected as the payment means through the user's selection Of course.

8 is an exemplary diagram illustrating an example in which the settlement means is changed according to the country where the mobile terminal 100 is located when the mobile terminal 100 roams according to the embodiment of the present invention.

First, the first diagram of FIG. 8 shows an example in which the mobile terminal 100 according to the embodiment of the present invention detects foreign roaming according to the movement of the user and displays information about the identified country will be.

The mobile terminal 100 according to the embodiment of the present invention can detect occurrence of overseas roaming in various ways. For example, when the mobile terminal 100 is connected to the visited network by roaming as described with reference to FIGS. 3 to 6, the mobile terminal 100 according to the embodiment of the present invention locates a currently located country Can be identified. And can detect whether roaming has occurred according to the identified country.

Alternatively, the control unit 180 of the mobile terminal 100 according to the embodiment of the present invention may detect occurrence of such overseas roaming from a specific caller, for example, a guidance message provided from a mobile communication company to which the user is subscribed. For example, when a roaming information message or the like provided to guide a roaming charge or the like is received, the controller 180 may identify the country where the mobile terminal 100 is currently located. In other words, if the roaming information message is the fare guidance message of "1700 won / minute when calling from the United Kingdom to Korea, 1072 won / minute when receiving and 7 yen / kb of data" UK 'and may identify the current mobile terminal 100 as being located in a country corresponding to the calculated country name.

Alternatively, the control unit 180 may measure the current position using a location information module such as a GPS module or a WiFi module, and may identify the country where the mobile terminal 100 is currently located based on the measured location. Alternatively, the control unit 180 may acquire positional information from a peripheral device, for example, a payment terminal (for example, a POS terminal) capable of providing position information around the mobile terminal 100, . ≪ / RTI >

If the identified country is different from the country in which the mobile terminal 100 was previously identified, the control unit 180 may detect that overseas roaming has occurred. In this case, as shown in the first diagram of FIG. 8, the controller 180 may display the notification information 800 on the display unit 151 to inform the user of the detected foreign roaming. In this case, information on a country where the mobile terminal 100 has moved, that is, a country corresponding to a place where the mobile terminal 100 is currently located may also be included in the notification information 800.

On the other hand, the notification information 800 may include a menu for the user to select a change of the payment means. In this case, if the user selects the change of the payment means through the menu included in the notification information 800, the control unit 180 can display information related to the change of the payment means.

The second to fourth drawings in FIG. 8 illustrate examples of displaying information related to the change of the settlement means.

8, when the change of the payment means is selected from the user through the notification information 800, the control unit 180 displays information on the payment means currently stored in the mobile terminal 100 on the display unit 151 ). ≪ / RTI > In this case, the controller 180 may divide the display unit 151 into a plurality of areas and display information on the payment unit. 8, the control unit 180 includes a second area 850 for displaying thumbnail images for each of a plurality of payment means stored in the mobile terminal 100, The display unit 151 may be partitioned into a first area 810 that displays detailed information on any one of the payment units of the display unit.

In this case, in the first area 810, an image 820 including more detailed information about a specific payment method may be displayed. If the payment means is a specific credit card, the payment means image 820 includes the name of the credit card, the card number, and the Card Association Brand of the card, as shown in the second drawing of FIG. ) May be discretely displayed.

In the second area 820, thumbnail images 852, 854, and 856 for the payment means included in the current mobile terminal 100 may be displayed. If the user selects one of the thumbnail images 852, 854, and 856 displayed in the second area 850, the control unit 180 selects one of the thumbnail images corresponding to the selected thumbnail image corresponding to the user's selection An image 820 of the payment means may be displayed in the first area 810. [

Meanwhile, the controller 180 may display the thumbnail images displayed in the second area 820 separately according to whether the specific payment means is available in the country where the mobile terminal 100 is currently located. That is, if the third thumbnail image 856 corresponding to the third payment means is not a credit card available in the country (UK) where the mobile terminal 100 is currently located. In this case, as shown in the second diagram of FIG. 8, the control unit 180 determines that the third thumbnail image 856 corresponding to the third payment means is not available in one area on the display unit 151 May be displayed. Accordingly, the user may identify that the third payment means is not currently available.

The control unit 180 of the mobile terminal 100 according to the embodiment of the present invention may further include detailed information on the currently selected payment means on the payment means image 820 displayed in the first region 810 It can also be displayed. For example, the detailed information may be information on a settlement criterion such as a payment fee or a point charged when a payment is made in a country where the current mobile terminal 100 is currently located through the currently selected payment means. In addition, the detailed information may further display the benefit related information if the currently selected payment means has a benefit to the country where the mobile terminal 100 is currently located. Such benefit information may be, for example, payment discount information or information about these points if there are additional points to be earned.

The benefit information may further include information on a specific area or an event of the current country where the mobile terminal 100 is located. For example, the control unit 180 may further include information on duty-free benefits such as duty-free shops or information on special benefits (for example, additional discounts or additional points) granted in a specific area. Or if a particular event (eg, a festival, a sporting event, etc.) is held in the country in which it is currently located. In this case, if the payment means is providing a special benefit related to the specific event, the control unit 180 may further display information related to the benefit (for example, at the time of the World Cup, And additional discounts given when paying for.

In this way, the controller 180 of the mobile terminal 100 according to the present invention transmits various benefit information, which is given in relation to the country where the mobile terminal 100 is currently located, to the display unit 151 Can be displayed. And allow the user to select at least one payment means.

Meanwhile, the benefit information displayed on the payment means image 820 may include different discount information or fee information for each payment unit, for each consumption amount, and the like. Then, the user can select different payment means as 'main payment means' according to the region, consumption amount or period through such information.

In this case, when the mobile terminal 100 enters a specific region in the country where the mobile terminal 100 is currently located, the controller 180 can change the 'main payment means' as a specific payment means according to the user's selection. Or the control unit 180 may change the 'main payment means' to a specific payment means according to the user's selection when the total consumption amount or the once consumed amount exceeds a predetermined level. Alternatively, the control unit 180 may change the 'main payment means' to another payment means previously set by the user when the period specified by the currently set main payment means has elapsed.

If the main payment means is changed to any one of the plurality of payment means included in the mobile terminal 100, the control unit 180 transmits a notification message indicating that the main payment means has been changed, as shown in the fourth drawing of FIG. (860) can be displayed. It goes without saying that the control unit 180 may notify the user of the change of the main payment means with the vibration or sound signal at the same time as the notification message 860. [

8 shows an example in which a notification message 860 for notifying that the main payment means has been changed is displayed when a plurality of payment means is displayed and one of the payment means is selected by the user However, it is needless to say that the notification message 860 can be displayed at any time when the main payment means is changed as well as when any one payment means is selected. That is, even when the main payment means is automatically changed according to the region, the consumption amount, or the period, not only the example shown in FIG. 8 but also the notification message 860 and / or the alarm Or vibration may be output.

9 is an exemplary diagram illustrating an example in which the payment means is automatically changed to a payment means usable in a country where the mobile terminal is located when the mobile terminal 100 roams according to an embodiment of the present invention.

9, the first diagram of FIG. 9 illustrates an example in which the mobile terminal 100 according to an embodiment of the present invention transmits the roaming information message to the mobile terminal 100 at present based on the roaming information message received from the specific sender. And identifies the country in which it is located.

For example, the 'specific sender' may be a mobile communication company corresponding to the home network of the mobile terminal 100. That is, when the roaming occurs, the mobile communication company providing the communication network used by the subscriber of the mobile terminal 100 can not use the communication network of the home network at present according to the foreign roaming, Message (roaming guiding message: 904) to notify the mobile terminal 100 of the message. In addition to the roaming information message, a message (roaming fee message: 902) for informing a user of a charging system to be charged according to roaming may be transmitted. These messages 902 and 904 may be displayed on the display unit 151 of the mobile terminal 100. [ The first diagram of Fig. 9 shows this example.

In this case, the controller 180 can identify the country where the mobile terminal 100 is currently located through the messages 902 and 904. For example, the control unit 180 may detect roaming of the mobile terminal 100 through the roaming information message among the messages 902 and 904 shown in the first drawing of FIG. As a result of recognizing the text included in the roaming charge message 902, it is possible to identify the country where the mobile terminal 100 is currently located, i.e., 'UK'.

In this case, the control unit 180 can search for the payment means available in the country where the mobile terminal 100 is currently located, that is, 'UK', among the payment means included in the current mobile terminal 100. In this case, as shown in the second diagram of FIG. 9, when the usable payment means is the first payment means, the control unit 180 determines that only the first payment means can be used, that the thumbnail displayed in the second region 850 Images can be displayed.

9, the controller 180 generates thumbnail images 854 and 856 corresponding to the payment means other than the first thumbnail image 852 corresponding to the first payment means, To display graphical objects for indicating that the second and third payment means are not available. Alternatively, the control unit 180 may display only the first thumbnail image 852 corresponding to the currently available payment means, that is, the first payment means, in the second region 850.

Meanwhile, when there is only one available payment means, the control unit 180 may directly select any one of the available payment means as the 'main payment means' without selecting the user. In this case, even if not selected by the user, a message 860 indicating that the main payment means has been changed as shown in the third diagram of FIG. 9 may be displayed on the display unit 151 immediately.

However, if there is no payment means currently available in the mobile terminal 100 among the payment means included in the mobile terminal 100, the controller 180 may display it in various ways . FIG. 10 is a diagram illustrating an example in which information for notifying a user of the absence of available payment means in the country where the mobile terminal 100 is currently located is displayed in the mobile terminal 100 according to an embodiment of the present invention.

For example, as shown in FIG. 10A, the control unit 180 may display information for notifying that the payment means is absent by displaying various status information (indicator information) of the mobile terminal 100 Area, that is, an indicator area. In this case, when the indicator information 1010 is displayed based on the touch gesture or touch and drag input sensed by the user, the control unit 180 determines whether the current state of the mobile terminal 100 It is possible to display information 1012 on the display unit 151 to inform that there is no payment means available at the location.

The control unit 180 may display information for informing that there is no available payment means at the current position of the mobile terminal 100 when the information of the payment means set as the main payment means is displayed by the user. In other words, when the information 1022 of the main payment means is displayed as shown in FIG. 10 (b) based on the touch gesture or touch and drag input sensed by the user, the controller 180 is currently selected A message 1024 indicating that the main payment means can not be used at the current position of the mobile terminal 100 may be displayed on the display unit 151. [

9, in the mobile terminal 100 according to the embodiment of the present invention, when there is at least one payment means available at the current position of the mobile terminal 100, . Therefore, if the message 1024 as shown in the second drawing of FIG. 10 is displayed, the user can know that there is no card available at the current position of the mobile terminal 100.

Meanwhile, the mobile terminal 100 according to the embodiment of the present invention may display information for informing that there is no usable payment means at the current location when the predetermined specific equipment is nearby. 10 (c), when the payment terminal 1000 is detected within a predetermined distance from the mobile terminal 100, the controller 180 notifies that there is no available payment means A message 1030 can be displayed on the display unit 151. [

10, the notification information for notifying that there is no usable payment means in a specific case is displayed by a specific method. However, in order to allow the user to recognize and take action more quickly, And may be continuously displayed on the display unit 151 until the usable payment means is set.

As shown in FIG. 10, the control unit 180 of the mobile terminal 100 according to the embodiment of the present invention not only displays information for notifying that there is no usable payment means, More guidance information may be displayed to enable you to take action. For example, such guide information may be information that enables a user to receive a new payment means, or allows the user to change an existing payment means.

11A and 11B illustrate a case where the mobile terminal 100 according to the embodiment of the present invention does not have a payment means available in the country according to the current location and allows the user to receive a new payment or change an existing payment means As shown in FIG.

First, referring to FIG. 11A, FIG. 11A shows an example in which a user receives a new payment.

11A, the first drawing of FIG. 11A shows that there is no available payment means at the current position, and a payment means absence message (FIG. 1100) is displayed. When the user selects issuance of a new settlement means through the settlement means absence message 1100, the control unit 180 may display various guide information related to the issue on the display unit 151. [ The second to fourth drawings in FIG. 11A show examples of the guide information displayed in the process of issuing the new payment means.

If the issuance of the new payment means is selected by the settlement means absence message 1100, the control unit 180 may receive information on the payment means that the user can receive the issuance immediately. For example, the control unit 180 may be a server (for example, a server designated in advance from a mobile communication company of the home network according to a country where the mobile terminal 100 is currently located) or a bank Or may receive information about these payment methods from a credit card company. As shown in the second drawing of FIG. 11A, information on the received payment means can be displayed on the display unit 151. [

On the other hand, as shown in the second diagram of FIG. 11A, the information on the received payment means may include an image of each payment means in the form of a thumbnail image, and the service or benefit Related brief information may be displayed. In this state, when the user selects one of the payment means, the control unit 180 can display more detailed information on the selected payment means on the display unit 151. [ The third diagram of Figure 11A illustrates this example.

For example, if the user selects the thumbnail image 1110 corresponding to the B card from the information of the payment means shown in the second drawing of FIG. 11A, the control unit 180 displays the thumbnail image 1110 shown in the third drawing of FIG. It is possible to display the image 1120 of the A card corresponding to the thumbnail image 1110 on the display unit 151 as shown in FIG. The information 1122 related to the A card can be displayed in an area on the display unit 151 on which the image 1120 of the A card is displayed so that the user can identify it. Here, the information 1122 related to the A-card may include information on the service or benefit of the A-card, for example, information on a settlement fee, a discount rate, or a reference for accumulating points. It may also include benefit information for a particular area (for example, whether tax refunds are available when used at an exemption site, or information related to events held in a particular area).

On the other hand, the control unit 180 may display a selection menu 1130 on the display unit 151 from which the user can select issuance of one payment means. In this case, the selection menu 1130 may be displayed together with images (for example, reference numeral 1120) of the specific payment means and detailed information (for example, reference numeral 1122) for the specific payment means are displayed. Accordingly, the control unit 180 may compare the benefit and service information for each currently available payment means, and then request the issuance of one of the payment means immediately.

On the other hand, if an immediate issuance of a specific payment means is requested through the selection menu 1130, the control unit 180 can proceed with the authentication procedure and various related procedures according to the immediate issuance application. When the above procedures are completed, as shown in the fourth drawing of FIG. 11A, the controller 180 displays a message 1140 informing that the issuance of the new payment means is completed and information on the issued payment means, An image 1142 corresponding to the newly issued payment means can be displayed on the display unit 151. [

11A, only the payment means that can be transmitted to the mobile terminal 100 is issued. However, the mobile terminal 100 according to the embodiment of the present invention may store various information related to the issuance of the payment means Of course. For example, the control unit 180 of the mobile terminal 100 may display guide information for issuing a physical payment means such as an actual plastic IC card or a smart card as well as an electronic payment means in accordance with a user's selection have.

That is, the control unit 180 may display on the display unit 151 information related to the issuer which can issue the physical payment means to the user, according to the user's selection. In this case, the information related to the issuer may include path information from the current position of the user to locations of the issuer where the physical payment means selected by the user can be issued.

Meanwhile, unlike the case in which the controller 180 issues the new payment means, the controller 180 can select the change of the existing payment means from the user. For example, the control unit 180 indicates that there is no payment means available at the current position, and displays a payment means absence message 1150 that allows the user to select a change of the setting of the existing payment means will be. When the user selects to change the setting of the existing payment means through the payment method absence message 1100, the control unit 180 may display various guide information related to the setting on the display unit 151. [ The second to fourth drawings in FIG. 11B show examples of guide information displayed in the process of issuing the new payment means.

When the setting change of the existing settlement unit is selected by the settlement unit absence message 1150, the control unit 180 determines whether the currently set use The environment information can be displayed on the display unit 151. [ Such usage environment information may be provided from a bank or credit card company corresponding to the selected specific payment means.

For example, as shown in usage preferences 1160 of the second drawing of FIG. 11B, if the country is set to 'Korea', the currently selected payment means is set to be available only in 'Korea' Overseas use restriction setting). In this case, the control unit 180 can cancel the setting of the overseas use restriction according to the user's selection or add the country where the mobile terminal 100 is currently located, that is, 'UK', to the country where the currently selected payment means can be used have. Depending on the user's choice, the period of use and the usage limit can be further set. When the user selects 'confirm' in the usage configuration 1160, the user can transmit the usage environment setting information set by the current user to the bank or the credit card company corresponding to the selected specific payment means.

On the other hand, according to the transmitted usage environment setting information, the usage environment setting of the currently selected payment means can be changed. For example, when the user is authenticated, the bank or the credit card company that has received the use environment setting information can change the environment setting of the currently selected payment means according to the received usage environment setting information. When the usage environment is changed, the bank or the credit card company can transmit service and benefit related information related to the currently selected payment means in the country where the mobile terminal 100 is currently located according to the changed usage environment.

And the service and benefit related information related to the currently selected payment means received from the bank or the credit card company may be displayed on the display unit 151. [ For example, as shown in the third diagram of FIG. 11B, the control unit 180 may display the service and benefit related information 1170 related to the currently selected payment means, on the display unit 820, (151). When the user sets the currently selected payment means as the main payment means in this state, as shown in the fourth drawing of FIG. 11B, the control unit 180 displays a message 860 informing the change of the main payment means, Can be displayed on the display unit 151.

In the example of FIG. 11A, only the setting of the settlement means having the foreign usage restriction is described. However, it is needless to say that the setting of the settlement means may include the update of the expiration date. Accordingly, the expiration date of expiration can be updated based on the transmission of the usage environment setting information, and even if the expiration date is close to the expiration date, it can be converted into the usable payment means.

According to the above description, the controller 180 of the mobile terminal 100 according to the embodiment of the present invention determines whether the mobile terminal 100 is currently available in the country where the mobile terminal 100 is currently located, Appropriate payment methods can be recommended to the user. And various information about each payment means can be displayed for such recommendation.

In this case, the criteria for recommending the payment means may be various. For example, the mobile terminal 100 may be a brand of a card association commonly used in a country where the mobile terminal 100 is currently located, or may be a payment fee or a discount rate. Or the type and currency of the currency commonly used in the country where the mobile terminal 100 is currently located. 12A and 12B illustrate an example in which at least one payment means is recommended to a user according to the country where the mobile terminal 100 is located in the mobile terminal 100 according to the embodiment of the present invention. And examples of information related to each payment means displayed to the user for the recommendation.

12A is a flowchart illustrating a method of recommending and changing a payment means according to a card association brand of a payment means available in a country where the mobile terminal 100 is currently located in the mobile terminal 100 according to an embodiment of the present invention FIG.

First, the first diagram of FIG. 12A shows an example in which when the mobile terminal 100 detects foreign roaming according to the movement of the user, the mobile terminal 100 detects the foreign roaming and displays information about the identified country will be. In this case, as shown in the first drawing of FIG. 12A, the control unit 180 may display notification information 800 on the display unit 151 to notify the user of the detected foreign roaming. In this case, the notification information 1250 may include a menu for the user to select a change of the payment means.

12A, when the user selects the change of the payment means through the menu included in the notification information 1250, the control unit 180 determines whether the mobile terminal 100 is currently located in the country (e.g., For example, information 1252 on a card association brand commonly used in 'UK' on the display unit 151. Then, the control unit 180 displays an image 1200 of the payment means having the same brand as the card association brand used in the country where the mobile terminal 100 is currently located, among the pre-stored payment means, on the display unit 151 .

In this case, as shown in the second diagram of FIG. 12A, if the card association brand commonly used in the United Kingdom is a 'master card' The image 1200 of the payment means in which the card association brand is the 'master card' can be displayed on the display unit 151. The control unit 180 may display information about the card association brands for each of the thumbnail images 852, 854, and 856 corresponding to the plurality of payment means.

Meanwhile, when the image 1200 of the payment means having the same brand as the card association brand commonly used in the country where the mobile terminal 100 is currently located is displayed, the control unit 180 displays the image 1200 displayed on the display unit 151 A menu 1254 for selecting from the user whether or not to set the means as the main payment means can be displayed. When the user selects the change of the main payment means through the selection menu 1254, the image 1200 of the payment means selected as the main payment means and the message 860 informing the change of the main payment means are displayed on the display unit 151).

In the description of FIG. 12A, it is assumed that there is one brand of the card association currently used in the country where the mobile terminal 100 is located, and that there is only one payment means having the same brand. However, The present invention is not limited thereto. That is, there may be a plurality of card association brands that are widely used in the present country. It goes without saying that a plurality of payment means having a brand of the same card association may be stored in the mobile terminal 100.

Accordingly, there may be a plurality of payment means having the same brand as at least one card association brand currently used in the country where the mobile terminal 100 is located. In this case, the controller 180 may display the information on the plurality of payment means having the same brand, separately from the payment means of the other brands.

For example, the control unit 180 may transmit information (hereinafter referred to as first payment means) of payment means having the same brand as the brand currently used in the country where the mobile terminal 100 is located to payment means (Hereinafter referred to as " second payment means "). In this case, the control unit 180 may display the information of the first payment means in the first area 810 and the information of the second payment means in the second area 850. [

Alternatively, the controller 180 may display the thumbnail images corresponding to the first payment means in the second area 850 before the thumbnail images corresponding to the second payment means. In this case, each of the thumbnail images includes thumbnail images corresponding to the first payment means, and thumbnails corresponding to the second payment means by displaying the card association brand as shown in the second drawing of Fig. Images may be separated from each other.

Alternatively, the controller 180 may display only the thumbnail images corresponding to the first payment means in the second area 850, and may display only images corresponding to any one of the first payment means in the first area 810 ). That is, the thumbnail images corresponding to the second payment means and the images corresponding to the second payment means may not be displayed on the display unit 151.

Accordingly, in the mobile terminal 100 according to the embodiment of the present invention, the payment means having the same brand as the brand of the card association currently used in the country according to the location of the mobile terminal 100 can be displayed have. Then, the user can select the payment means having the same brand. In this case, if there is one payment means having the same brand as the brand of the card association used in the country according to the position of the mobile terminal 100, the control unit 180 transmits the payment It goes without saying that the means may be automatically changed.

The control unit 180 selects one of the payment means in accordance with the predetermined condition and selects the one of the plurality of payment means having the same brand as the brand of the card association used in the country according to the position of the mobile terminal 100, Main payment means'. Here, the predetermined condition may be, for example, a settlement fee or a discount rate or a point accumulation rate. That is, the control unit 180 determines whether the payment commission is the lowest among the payment means having the same brand as the brand of the card association currently used in the country according to the location of the mobile terminal 100, The payment means having the highest accumulation rate may be set directly as the 'main payment means'. It goes without saying that the control unit 180 may convert the discount rate or the point accumulation rate for each payment means into the reference amount and compare them.

On the other hand, unlike the example shown in FIG. 12A, it is needless to say that the user can directly check the service information and the information related to the benefits of each card, and select a specific payment means accordingly. 12B is an example of recommending and changing the payment means based on the benefit provided by each payment means according to the country where the mobile terminal 100 is currently located in the mobile terminal 100 according to the embodiment of the present invention Fig. In the following description, it is assumed that each payment means included in the mobile terminal 100 has the same brand as any one of the card association brands used in the currently located country.

In this case, when the user selects the change of the payment means through the menu included in the notification information for informing the user of the overseas roaming, the controller 180 displays the thumbnail images corresponding to each payment means stored in the mobile terminal 100 852, 854 and 856 may be displayed in the second area 850 on the display part 151 and in the first area 810 on the display part 151 corresponding to the specific payment means.

That is, as shown in the first drawing of FIG. 12B, the control unit 180 determines whether the thumbnail images 852, 854, and 856 include the image 1210 of the first payment means corresponding to the first thumbnail image 852 Can be displayed on the display unit 151. [ The service information and benefit related information 1212 of the first payment means related to the country where the mobile terminal 100 is currently located ('UK') can be displayed on the display unit 151. In this case, the service information and the benefit related information 1212 of the first payment means are displayed in a manner such that the image 1200 of the first payment means is identifiable in the area where the image 1210 of the first payment means is displayed It can be displayed in a translucent manner so as to be seen through. Herein, the service information and the benefit related information 1212 of the first payment means may include information relating to a fee charging standard and a credit accumulation criterion of the first payment means.

Meanwhile, in this state, the controller 180 may detect a user's input to one of the thumbnail images 852, 854, and 856 displayed in the second area 850, or display information related to the next payment means The user may be able to sense the user's input to the graphical object 1240. In addition, information related to other payment means may be displayed on the display unit 151 according to the input of the sensed user.

For example, the control unit 180 may display the graphic object 1240 corresponding to the next payment means, or the second thumbnail image of the thumbnail images 852, 854, and 856, in the state shown in the first drawing of Fig. The user can display an image 1220 of the second payment means corresponding to the second thumbnail image 854 on the display unit 151. [ And display service information and benefit related information 1222 of the second payment means related to the country where the mobile terminal 100 is currently located ('UK') on the display unit 151.

In this case, as shown in the second diagram of FIG. 12B, the service information and benefit-related information 1222 of the second payment means are displayed in a semi-transparent state so that the image 1220 of the second payment means can be visually recognized Lt; / RTI > The service information and benefit related information 1222 of the second payment means may include a fee charging standard of the first payment means, a credit accumulation criterion, discount information related to the specific region or a specific event, have.

Accordingly, in the present invention, the user can compare the service, the discount standard, the benefit, or the like provided for each payment means with each other. If the user selects one of the payment means according to the comparison result, the control unit 180 determines whether the image of the currently selected payment means (for example, Image 1220) on the display unit 151 and display a message 860 indicating that the main payment means has been changed.

On the other hand, if the user selects a payment means (for example, a third payment means) that is not available in the country where the mobile terminal 100 is currently located, that is, the use thereof is limited, the control unit 180 transmits a message Can be displayed on the display unit 151. That is, the control unit 180 may display a message 1232 indicating that the currently selected card is a payment means that is not available in the current location (e.g., the United Kingdom), as shown in the third diagram of FIG. 12B. By displaying the image 1230 of the currently selected third payment means differently from the image 1210 of the first payment means and the image 1220 of the second payment means shown in the first drawing of Fig. 12B and the second drawing, It may indicate that the third payment means is not available.

In the above description, it is described that the user compares the service information and the benefit information of each payment means and selects one of the payment means in accordance with the comparison result. However, when the control unit 180 determines that at least one It is also possible to recommend the payment means of the user to the user. In this case, the control unit 180 may compare the service information of each payment means with each other according to a preset reference. The predetermined criteria may be the settlement fee, the discount rate for each region or the consumption amount.

For example, the control unit 180 may compare the service information of each payment means on the basis of the payment commission. The plurality of payment means can be sorted and displayed in the order of the lowest payment commission. That is, the control unit 180 may sort the plurality of payment means in the order of the lowest payment fee, and may display the thumbnail images corresponding to the respective payment means in the second region 850 according to the sorted order. In addition, images corresponding to each settlement unit may be displayed in the first area 810 according to the order in which the thumbnail images are displayed. Accordingly, in the present invention, information of each payment means can be displayed in the order of the payment means having the lowest settlement commission rate in the country where the mobile terminal 100 is currently located.

Similarly, the control unit 180 may arrange and display the plurality of payment means in the order of the highest discount rate or in the order of the highest rate of payment points. In this case, the control unit 180 calculates each discount rate or point accumulation rate on the basis of predetermined predetermined amounts (for example, 1, 10, and 100 dollars), and calculates the discount rate or the point accumulation rate based on the calculated discount rate or point accumulation rate It can also be sorted and displayed.

On the other hand, the controller 180 may set a specific amount of money from the user, and may compare the discount rate, the point accumulation rate, or the payment fee according to the set amount for each payment means. In this case, the control unit 180 may compare the discount rate, the point accumulation rate, or the payment fee according to each payment means, assuming that the total amount of the consumption amount is equal to or greater than the set amount or the one-time payment amount is equal to or greater than the set amount.

Therefore, if there is a payment means in which the applicable discount rate, point accumulation rate or payment fee is changed when the total amount of the consumption amount is equal to or higher than a certain level or the one-time payment amount is equal to or higher than a certain level, And can be compared with other payment means based on the accrual rate or payment fee.

The control unit 180 may arrange and display the plurality of payment means in the order of the discount rate or the point accumulation rate being high or in the order of low payment commission. Therefore, when the total amount of the consumption amount is equal to or more than the set amount or when the one-time payment amount is equal to or greater than the set amount, the information of each payment means (e.g., in order of decreasing rate or point- Thumbnail images) can be displayed in an aligned manner.

If a specific payment means is selected in this state, the payment means can be set to be used when the total amount of the consumption amount is equal to or larger than the set amount or when the one-time payment amount is equal to or larger than the set amount. That is, the controller 180 can set a plurality of 'main payment means' so that different payment means are used when the total amount of money or the one-time payment amount is equal to or greater than the predetermined specific amount or less.

On the other hand, it is needless to say that a plurality of payment means may be set according to a specific area. In this case, the control unit 180 of the mobile terminal 100 according to the embodiment of the present invention may preset a specific area from the user and compare the discount rate, the point accumulation rate, or the payment fee according to the set area for each payment method Of course. In this case, the control unit 180 can compare the discount rate, the point accumulation rate, or the payment fee according to each settlement unit according to the set area. It goes without saying that the control unit 180 may convert the discount rate or the point accumulation rate for each payment means into the reference amount and compare them.

Therefore, if there is a payment means for changing the discount rate, the point accumulation rate, or the payment fee depending on the area, the payment means can be compared with other payment means based on the changed discount rate or the point accumulation rate or payment fee. And the plurality of payment means may be displayed in an aligned manner according to the comparison result. If any of the payment means is selected by the user, the payment means can be set to be used as the main payment means when the mobile terminal 100 is located within the specific region. That is, the controller 180 of the mobile terminal 100 according to the embodiment of the present invention can set a plurality of 'main payment means' so that different payment means are used depending on the area where the mobile terminal 100 is located.

In the above description, the control unit 180 of the mobile terminal 100 compares a plurality of payment means and displays the result according to the settlement fee or the benefit. However, it is needless to say that the present invention may recommend payment means more suitable for the user based on the currency and the exchange rate used in the country where the mobile terminal 100 is currently located as well as the settlement fee or the benefit.

12C shows an example of recommending and changing the payment means according to the currency and the exchange rate used in the country where the mobile terminal 100 is currently located in the mobile terminal 100 according to the embodiment of the present invention.

The mobile terminal 100 according to the embodiment of the present invention can confirm the type of money commonly used in the country where the mobile terminal 100 is currently located. For example, the control unit 180 may receive this information from a predetermined external server or may use the call information of each station stored in the memory 170 in advance.

For example, if the country where the mobile terminal 100 is currently located is 'UK', the controller 180 can check currency information, that is, currency information used in 'UK'. If it is determined that the currency in the UK is 'US Dollar' or Euro, the controller 180 may receive the exchange rate information of the USD and the euro from the predetermined external server. Then, the received exchange rate information can be displayed on the display unit 151. The first diagram of Figure 12C illustrates this example.

Referring to the first drawing of FIG. 12C, the controller 180 of the mobile terminal 100 according to the embodiment of the present invention can display the exchange rate information on the display unit 151. Therefore, the country where the mobile terminal 100 is currently located is displayed on the display unit 151. You can display the USD and Euro currency used in 'UK', and the exchange rate information (1260) for the above USD and Euro. Here, the exchange rate information may be the exchange rate at the time when the confirmation of the exchange rate is requested, or the exchange rate (if the requested time has passed the exchange rate deadline). Or an average rate for a predetermined period. In this case, the control unit 180 may calculate and display the exchange rate average for a predetermined period from the user.

The control unit 180 may compare the confirmed exchange rates with each other. For example, as shown in the first diagram of FIG. 12C, when the exchange rate of USD is '+4.1' and the exchange rate of the euro is '+6.1', the control unit 180 determines that the exchange rate is lower than USD You can choose the type. This is because, if the currency is paid in a lower currency, the user can benefit more, and the fee generated at the time of payment may also be lower.

If the user selects a currency having a lower exchange rate, the control unit 180 may display the settlement commission based on the currently selected currency on the display unit 151 for each payment means. In this case, the control unit 180 may arrange the plurality of payment means in the order of the lowest payment commission according to the currently selected currency. Accordingly, in the following description, the first payment means and the second payment means are arranged in the order of the following description. And the second diagram of FIG. 12C represents information corresponding to the first payment means, and the third diagram of FIG. 12C represents information corresponding to the second payment means.

In this case, the control unit 180 may display information corresponding to the first payment means displayed first among the sorted payment means. That is, if the first payment means and the second payment means are arranged in the order of the above-mentioned assumption, the control unit 180 may display the information on the first payment means on the display unit 151 first. In this case, the control unit 180 may display the image 1210 of the first payment means and the information 1214 related to the first payment means, as shown in the second diagram of FIG. 12C. Here, information 1214 related to the first payment means may include a payment commission rate according to the currently selected currency, i.e. USD.

In this case, the user can directly select the payment means currently displayed on the display unit 151. [ 12C, the controller 180 displays the currently settling means, that is, the image 1210 of the first settlement means, and the message 860 to inform that the main settlement means has been changed, to the display unit 151 ). ≪ / RTI >

Meanwhile, in a state shown in the second drawing of FIG. 12C, if the user selects another payment means, it is needless to say that the controller 180 may further display information about other payment means. That is, when the user inputs the predetermined graphic object to display a thumbnail image corresponding to another payment means or information of another payment means, the control unit 180 displays information about another payment means corresponding to the input of the user You can also display more.

Therefore, if the user selects the thumbnail image corresponding to the second payment means from the sorted payment means information, i.e., the thumbnail images corresponding to the respective payment means, the image 1220 corresponding to the second payment means, And information 1224 associated with the second payment means. Here, the information 1224 related to the second payment means may include a payment commission rate according to the currently selected currency, i.e. USD. The third diagram of Figure 12c shows this example.

It is needless to say that the information related to each payment means (1212, 1222 in FIG. 12B, or 1214 and 1224 in FIG. 12C) may further display information on the type of the currently selected payment means. Further, additional information according to the type of the payment means may be displayed according to the user's selection.

12D shows an example of further displaying additional information according to the type of the selected payment means in the mobile terminal 100 according to the embodiment of the present invention. For example, the control unit 180 may display information on whether the payment means corresponding to the image currently displayed on the display unit 151 is a credit card or a debit card.

The first drawing and the second drawing in Fig. 12D show this example. For example, when the first payment means is a credit card, the control section 180 determines whether the first payment means is a credit card, as shown in the first drawing of Fig. 12D, Information 1216 may indicate that the payment means corresponding to the image 1210 is a credit card.

On the other hand, when the second payment means is a debit card, as shown in the second drawing of Fig. 12D, the control unit 180 displays the information 1228 may indicate that the payment means corresponding to the image 1220 is a credit card.

Meanwhile, in this state, the control unit 180 may further display additional information related to the payment means in accordance with the user's selection. For example, when the user selects the display of additional information in a state of displaying information related to the second payment means, which is a debit card, as shown in the second drawing of Fig. 12D, May further be displayed as additional information related to the second payment means.

This additional information may include information relating to the bank associated with the second payment means, the account number, and the balance of the account linked to the second payment means. Therefore, in order to acquire such additional information, the control unit 180 may request authentication of the user. The authentication may be performed by various methods such as fingerprint authentication, password, and voice recognition. When the authentication information is input from the user, the authentication information may be transmitted to the bank associated with the second payment means, and additional information related to the second payment means may be acquired according to the authentication result.

The additional information thus obtained may be displayed on the display unit 151. [ The third diagram in FIG. 12D shows an example in which additional information 1228 including information on the bank, account information, and balance related to the second payment means is displayed on the display unit 151 as described above.

On the other hand, although not shown, the length of the remaining period up to the expiration date of each payment means may be further included as the payment means recommendation standard. In this case, the control unit 180 may arrange the remaining time period until the expiration date of the period according to the selection order, in addition to the above-mentioned payment means, or according to the user's choice. Therefore, the longer the remaining period until the expiration date, the more suitable payment means can be recommended to the user.

Meanwhile, the mobile terminal 100 according to the embodiment of the present invention may be configured to set a payment means to be used in a specific region or a specific period from a user. In this case, the controller 180 may detect that the mobile terminal 100 is located in a preset area, or may set the predetermined payment means as the main payment means if it is a predetermined specific date.

FIG. 13 illustrates an example in which the mobile terminal 100 according to the embodiment of the present invention sets up payment means that can be used in a specific overseas region in advance.

Referring to FIG. 13, the first diagram of FIG. 13 shows an example of a setting screen 1300 in which a region or a period for using a specific settlement means is set in advance. As shown in the first drawing of FIG. 13, the control unit 180 can set an area, a period, a use place, and the like to use the specific payment means in advance.

On the other hand, if the specific region and / or the period is set as described above, the control unit 180 can select a payment means to use for the set region and / or period. The second diagram of FIG. 13 shows an example of a screen related to the selection of the settlement means.

The control unit 180 of the mobile terminal 100 according to the embodiment of the present invention displays information on the payment means included in the current mobile terminal 100 on the display unit 151, Area 1360 on the display screen. Here, the information on the payment means may be whether or not the payment means is usable.

For example, the control unit 180 may compare the expiration date of each payment means with a predetermined period of time in the first drawing of FIG. 13 to determine whether each payment means is usable. In this case, the payment means 1370 including the expiration date within the predetermined period may be determined as unusable.

Also, in the case of a payment means for which overseas usage restriction is set, or a payment means that does not support currency or service (for example, a card association brand) commonly used in the country, it can be judged that the use is impossible. In this case, as shown in the second drawing of FIG. 13, the controller 180 may display a message 1372 indicating that the corresponding card is unavailable at a position where the image of the corresponding payment means is displayed.

Meanwhile, the control unit 180 may recommend at least one payment means to the user. For example, when there is no usable payment means among the payment means currently included in the mobile terminal 100, the controller 180 transmits information about the new payment means 1382 to one area 1380 on the display unit 151 Can be displayed.

In this case, the payment means recommended by the control unit 180 may be recommended among a plurality of predetermined payment means in accordance with the criteria similar to those described with reference to FIGS. 12A to 12D. That is, the controller 180 determines whether any one of the predetermined payment means has a card association brand commonly used in a predetermined country in the first drawing of FIG. 13, In a predetermined country, whether it is available within the predetermined period. You can also recommend them in descending order of payment fees, or in descending order of discount rate or points.

Here, the predetermined plurality of payment means may be selected from a specific external server. For example, information about the plurality of payment means may be received from a mobile communication company or at least one bank or a credit card company.

On the other hand, when a specific payment means is preset in advance, the control unit 180 can set an authentication method related to the currently set payment means. 14A and 14B are illustrations showing examples of a method of authenticating a user in this case.

The control unit 180 may display a screen requesting various authentication information for authentication. That is, when the authentication information is input through the authentication certificate request, the mobile phone number authentication, or the fingerprint authentication method, as shown in the authentication information request screen 1400 shown in FIG. 14A, Authentication, and payment can be made.

On the other hand, unlike this authentication method, if the payment means is used for a designated purpose in a designated area, the authentication method may be set differently. For example, the control unit 180 may select a method of authenticating a user with a faster authentication method (hereinafter referred to as simple authentication) from the user. This is to allow the payment to proceed more easily by authenticating the user more quickly and simply without using a complicated authentication process if the predetermined payment means is used in a pre-designated area and / or a pre-designated use, that is, a usage place. 14 (b) shows an example in which this simple authentication method is set.

On the other hand, when there is a payment request from the payment terminal 1000 as shown in (a) of FIG. 14B, the controller 180 of the mobile terminal 100 according to the embodiment of the present invention, May request different authentication information from the user depending on whether it has been requested in the predefined area and / or according to a predefined use.

That is, if the payment request is requested in a pre-designated area and / or according to a predetermined use, the controller 180 determines whether the user is authenticated in one of the simplified authentication methods set in (b) Can be performed. Accordingly, as shown in (b) of FIG. 14B, the user authentication can be performed simply by photographing the face of the user, so that the settlement can be performed more quickly and simply.

On the other hand, if the payment request is not requested in a predetermined area and / or according to a predetermined use purpose, the control unit 180 displays a screen 1460 for requesting the user for the authentication information as shown in FIG. 14 (b) ) Can be displayed. This makes it possible for the payment request to be made more strictly for a payment request that is not in accordance with a predefined area and / or a predefined use, so that payment can be restricted if the payment means is abused or abnormally used .

Meanwhile, when the user authentication is completed, the controller 180 of the mobile terminal 100 according to the embodiment of the present invention can further display information related to the authenticated user. FIG. 15 is an exemplary view illustrating an example in which, in the mobile terminal according to the embodiment of the present invention, information of the authenticated user is further displayed when the user is authenticated at the time of payment proceeding.

15, when the user inputs the authentication information 1560 in the state that the image 1510 for the selected payment means is displayed on the display unit 151, May transmit the authentication information 1560 to a bank or credit card company corresponding to the currently selected payment means. When the authentication of the user is completed, the control unit 180 can receive the personal information of the authenticated user from the bank or the credit card company and display it on the display unit 151. [

Here, the personal information of the authenticated user may be a name of the user. 15, the control unit 180 may display the name of the authenticated user on the image 1510 of the payment means displayed on the display unit 151. In this case, Accordingly, the selling party can confirm whether or not the other party is an authenticated user of the payment means by checking the personal information of the authenticated user.

Meanwhile, in the second drawing of FIG. 15, only the name of the user is displayed as personal information of the authenticated user, but it is needless to say that various information may be displayed. For example, the personal information of the authenticated user received from the bank or the credit card company may include a face image of the user and the like. Accordingly, the selling party can confirm whether or not the other party is an authenticated user of the payment means by checking the face of the other party.

Meanwhile, the controller 180 of the mobile terminal 100 according to the embodiment of the present invention may recommend or change the main payment means when foreign roaming is detected according to the above description. Similarly, when the user enters the country, the control unit 180 may recommend or change the corresponding main payment means. If the PLMN ID included in the TAI information is a PLMN ID corresponding to the home network, the control unit 180 may detect whether the PLMN ID is included in the TAI information, The location of the terminal 100 may be identified as the home country, that is, the home location.

In this case, since the location of the mobile terminal 100 is the home country, that is, the home country, the controller 180 may display service or benefit information for each payment means on the assumption that all the cards are available, The payment means can also be arranged and displayed.

However, it is needless to say that the controller 180 may restore the 'main payment means' to a state before the overseas roaming occurs, without displaying or recommending the information related to the recommendation or payment means. For example, when the roaming is detected, the controller 180 may store the payment means set as the 'main payment means' so as to correspond to the home network before roaming. When the connection to the home network is detected again after the main payment means is changed according to the connected visited network according to the roaming, the payment means corresponding to the home network can be restored to the 'main payment means' again. This is to allow the user to use the payment means familiar to him / her after returning home.

In the above description, it is assumed that the mobile terminal 100 detects that the mobile terminal 100 is currently connected to the visited network according to the received TAI information and identifies a country corresponding to the current location according to the MCC among the PLMN IDs included in the TAI information . However, the control unit 180 of the mobile terminal 100 according to the embodiment of the present invention may also be configured such that the PLMN IDs included in the TAI information are transmitted to the mobile terminal 100 in accordance with the visited network identified according to the MNC, It goes without saying that one payment means may be selected.

For example, the MNC network identification information for identifying the network corresponding to the MNC may include various information. That is, as described above, the MNC network identification information may include information on a network corresponding to a specific MNC and information on a card association brand used in the network. Or specific payment means corresponding to a specific network may be included in the MNC network identification information.

Accordingly, the control unit 180 of the mobile terminal 100 according to the embodiment of the present invention allows the payment unit according to the card association brand currently used in the visited network to be directly set as the 'main payment unit' The specific payment means corresponding to the visited network can be automatically set as the 'main payment means'.

On the other hand, when the specific payment means corresponding to the currently connected visited network is automatically set as the main payment means, the service provided by the identified visiting network to the currently set payment means, for example, a secure channel service, Of course, additional discounts of city may be used. Here, the electronic purchase may be a purchase made in the mobile terminal 100 by recognizing identification information such as a barcode of a local product, and making payment according to the currently set payment means.

In the above description, it has been described that the MNC network identification information includes information on a network corresponding to a specific MNC and information on a card association brand used in the network. However, Of course, it can be provided. In this case, the controller 180 of the mobile terminal 100 according to the embodiment of the present invention can request the MME of the visited network that is currently connected to the information of the card association brand commonly used in the network. When the information of the specific card association brand is received from the MME of the visited network, the payment means having the same brand as the received card association brand among the plurality of payment means may be directly set as the main payment means. In this case, if there are a plurality of payment means having the same brand, the payment means having the lowest discount rate or the highest point accumulation rate is set as the main payment means It is possible.

It should be understood that all the above-described communication processes or embodiments may be performed through a specific communication network of the visited network to which the mobile terminal 100 is connected, in the above description.

For example, when the connection of the visited network is detected, the control unit 180 can receive the payment means commonly used in the visited network from the MME of the visited network. And payment can be made using the payment means through the communication network corresponding to the received payment means, that is, the communication network of the specific bank or the specific credit card company. In this case, the information of the current location of the mobile terminal 100 and the service information and benefit information of the specific payment means related to the corresponding country may be received through the communication network of the specific bank or the specific credit card company. In this case, the specific payment means may be automatically registered as the main payment means.

In the description of FIG. 4, the TAI information included in the ATTACH ACCEPT message is used to identify the country where the mobile terminal 100 is currently located and the visited network, but it may be identified using other information Of course.

For example, the control unit 180 of the mobile terminal 100 according to the embodiment of the present invention may receive GUTI (globally unique temporary identifier) information together with the ATTACH ACCEPT message in response to the ATTACH REQUEST message . Here, the GUTI information may refer to provisional identification information of the UE 100 that can be used in the currently connected visited network. In this case, the UE 100 can communicate with the MME of the visited network using the GUTI information.

Meanwhile, the GUTI information includes PLMN ID information and GUMMEI information including an MMEI (MMEI Identifier). Accordingly, the controller 180 may identify the country where the mobile terminal 100 is located and the visited network using the PLMN ID included in the GUTI information.

The present invention described above can be embodied as computer-readable codes on a medium on which a program is recorded. The computer readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of the computer readable medium include a hard disk drive (HDD), a solid state disk (SSD), a silicon disk drive (SDD), a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, , And may also be implemented in the form of a carrier wave (e.g., transmission over the Internet). Also, the computer may include a control unit 180 of the terminal. Accordingly, the above description should not be construed in a limiting sense in all respects and should be considered illustrative. The scope of the present invention should be determined by rational interpretation of the appended claims, and all changes within the scope of equivalents of the present invention are included in the scope of the present invention.

Claims (20)

In the mobile terminal,
A memory including a plurality of payment means;
A display unit for displaying image information;
A communication unit for receiving network identification information (Public Land Mobile Network (PLMN) ID) from a connected communication network;
Determining roaming of the mobile terminal by comparing the received network identification information and the stored home network identification information, determining that the mobile terminal is connected to the visited network when the roaming is detected, And displaying a roaming notification message for indicating roaming overseas roaming,
Wherein,
Identifying a country in which the mobile terminal is located from the received network identification information (PLMN ID), identifying at least one settlement having the same brand as a card association brand used in the identified country among the plurality of payment means, And displays a payment means change menu in which the means is distinguished by a payment means usable in a country where the mobile terminal is located, according to the input of the user with respect to the roaming announcement information. The apparatus of claim 1,
For each payment means indicated by the available payment means, displaying service information associated with the identified country on the display unit,
The service information includes:
And information regarding a settlement fee, a discount rate, and a point accumulation rate associated with the identified country for each of the payment means. 3. The method according to claim 2,
Further comprising information on a type of each of the payment means,
The information on the type of each payment means may be,
Further comprising information on whether the payment means is a credit card (Business Card) or a debit card (debit card). The apparatus of claim 3,
If the payment means is a debit card, displays account information for an account linked to the debit card according to a user's selection,
The account information,
And the balance information of the associated account. 3. The method according to claim 2,
An event related to the identified country, and benefit information related to the event for each payment means. The apparatus of claim 1,
One of the payment means is registered as a main payment means in accordance with a predetermined standard among at least one payment means having the same brand as the card association brand commonly used in the identified country, The payment is performed through the payment means,
The predetermined criterion is,
Payment fee, discount rate per point of standard consumption amount, or accumulation rate of points. 7. The method of claim 6,
Further comprising currencies and exchange rates prevailing in the identified countries,
Wherein,
Wherein the comparing means compares the settlement commission for each settlement means on the basis of a currency having a lower exchange rate among the currencies common to the identified countries. 7. The apparatus of claim 6,
Requests the MME (Mobility Management Entity) of the currently connected communication network for information of the card association brand commonly used in the visited network,
And when the information of the specific card association brand is received from the MME, sets the payment means having the same brand as the received card association brand among the plurality of payment means as the main payment means. 7. The apparatus of claim 6,
When a specific area is set or a specific amount is set, at least one payment means is additionally registered as a main payment means on the basis of the set specific area or the discount rate, the point accumulation rate or the payment fee according to the set specific amount,
The settlement is made through the additional registered payment means when the area where payment is requested is within the specific area or when the sum of the consumption amount or the requested amount of money is more than the specific amount. Mobile terminal. 7. The apparatus of claim 6,
If the main payment means is changed according to the registration of the main payment means, information on the main payment means before the change is stored,
When the communication network identified by the network identification information received from the connected communication network is a home network, restores the main payment means based on the stored information. The apparatus of claim 1,
When the network identification information can not be obtained from the currently connected communication network, identifies the country where the mobile terminal is located based on the location information obtained from the at least one location information obtaining means,
Wherein the at least one position information acquiring means comprises:
A GPS (Global Positioning System) module, a WiFi module, or at least one peripheral device connectable to the mobile terminal. The apparatus of claim 1,
Wherein the payment means for which the remaining days until the expiration date is within a predetermined period among the plurality of payment means are displayed as unusable payment means. 13. The apparatus according to claim 12,
Wherein the settlement means estimates the user's overseas stay period based on the information stored in the mobile terminal and displays the settlement means including the expiration date of the plurality of settlement means in the estimated overseas stay period as un-
The user's overseas stay period may be, for example,
Based on at least one of schedule information of a user stored in the mobile terminal or ticket purchase history information. The apparatus of claim 1,
Wherein the display unit displays a list of available payment means among the plurality of payment means in accordance with a predetermined criterion among the plurality of payment means,
The notification information includes:
When the image of the predetermined main payment means is displayed or when the distance from the predetermined peripheral device is within a predetermined distance when the indicator information related to the current state of the mobile terminal is displayed, Is displayed. 15. The apparatus of claim 14,
If there is no usable payment means among the plurality of payment means, further displays information related to issuance of another payment means,
The information related to issuance of the other payment means may be,
At least one payment means having the same brand as a brand of a card association currently used in a country where the mobile terminal is currently located or a visited network to which the mobile terminal is currently connected, service information including a payment fee of the payment means, The benefit information including the benefit ratio. 15. The apparatus of claim 14,
And displays information for guiding at least one setting change of the plurality of payment means to the user when there is no usable payment means among the plurality of payment means. The apparatus of claim 1,
A Track Area Identifier (TAI) included in a TAU (Tracking Area Update) Accept message received from the MME upon movement of a location of the mobile terminal, or an Attach accept message received from an MME of a communication network connected at the time of initial access to the communication network, ) List from the mobile terminal. 18. The apparatus of claim 17,
Wherein the mobile terminal identifies a country where the mobile terminal is located or a visited network to which the mobile terminal is currently connected based on an MCC (Mobile Country Code) or an MNC (Mobile Network Code) included in the network identification information. The apparatus of claim 1,
Requesting information of a payment means commonly used in the visited network to the visited network when accessing the visited network,
Wherein when the information of the specific payment means is received in response to the request, information of the specific payment means is acquired through a communication network associated with the received payment means. Claim 20 has been abandoned due to the setting registration fee. A method of controlling a mobile terminal,
Receiving foreign network identification information (Public Land Mobile Network (PLMN) ID) from the connected communication network, and detecting overseas roaming of the mobile terminal by comparing the received network identification information and the stored home network identification information;
Determining that the mobile terminal is connected to the visited network according to the received network identification information when it is determined that the foreign roaming occurs as a result of the detection and determining that the mobile terminal is connected to the visiting network based on the network identification information (PLMN ID) Identifying a country according to the location of the terminal; And
Displaying the notification information for indicating the detected foreign roaming, and displaying, based on the input of the user for the notification information, a card association And displaying at least one payment means having the same brand as the available payment means,
Wherein the step of identifying a country based on the location of the mobile terminal from the received network identification information comprises:
Receiving an attach accept message or a TAU (Tracking Area Update) Accept message from a Mobility Management Entity (MME) of the visited network;
Obtaining a network identification information (PLMN ID) of the visited network from the received attach accept message or a TAI (Track Area Identifier) list included in the TAU Accept message; And
Identifying a country where the mobile terminal is located and the visited network based on MCC (Mobile Country Code) and MNC (Mobile Network Code) included in the acquired PLMN ID, To the mobile terminal.

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