KR102239990B1 - Card registration method for pament service and mobile electronic device implementing the same - Google Patents

Abstract

An electronic device according to various embodiments of the present disclosure includes an image acquisition device; User interface; A memory for storing a payment application program; A communication circuit configured to wirelessly communicate; And a processor electrically connected to the image acquisition device, the user interface, the memory, and the communication circuit, wherein the memory is used by the processor to make a payment using the payment application program when executed. Receives at least part of information on a transaction card or account through the image acquisition device or user interface, transmits at least part of the information to the outside through the communication circuit, and transmits the information from the outside Receiving an indication (policy) selected based on at least a part through the communication circuit, requesting a selected input item through the user interface based on at least part of the indication, and responding to the selected input items It may include instructions for receiving information to be transmitted through the user interface and transmitting the information to the outside through the communication circuit. Other embodiments are possible.

Description

Card registration method for payment service and portable electronic device implementing the same {CARD REGISTRATION METHOD FOR PAMENT SERVICE AND MOBILE ELECTRONIC DEVICE IMPLEMENTING THE SAME}

Various embodiments relate to a card registration method for a payment service and a portable electronic device implementing the same.

In a method of using money to purchase goods, not only a method using money but also a method using a credit-based card has become common. Accordingly, many users purchase items and use credit cards to pay for them. Meanwhile, due to the development of the Internet, the area for selling goods is changing from a real environment to a cyber environment. In response, payment methods for purchasing goods in a cyber environment are also being changed in various forms.

For example, in the conventional cyber environment, the payment method according to the purchase of goods and payment is provided by providing credit card information registered in advance by the user in a terminal (e.g., a smart phone) to a service device that requests payment for the purchase of goods, and It is implemented in a form provided by a financial institution as much as the amount required by the device. Accordingly, when a user purchases a product using a credit card or the like, the financial institution that guarantees the credit for the credit card pays the price to the seller of the product, and the user provides the price to the financial institution again. In this process, the user directly inputs credit card-related information when purchasing a product, or uses it after storing it in the terminal in advance.

Existing payment services are designed to receive card information after selecting a card company that issued the card in advance when registering a card. At this time, the user can input information about the credit card company. Accordingly, the user has to select the card company of the card to be registered, and during information input, the user cannot change and register the card of another card company, so he must return to the beginning. In addition, there is a problem in that it is difficult to change or reinforce the policy in real time due to the request of the card company or the need for a payment service, since policies are applied for each card company when selecting a card company.

An object of the present invention is to provide a method capable of solving the above problems and an electronic device implementing the same. For example, various embodiments of the present invention may provide a method and apparatus for registering a card without selecting a card company. In addition, various embodiments of the present invention can provide a method and an apparatus for safely registering a card by dynamically changing a policy according to the location of a user terminal.

An electronic device according to various embodiments of the present disclosure includes an image acquisition device; User interface; A memory for storing a payment application program; A communication circuit configured to wirelessly communicate; And a processor electrically connected to the image acquisition device, the user interface, the memory, and the communication circuit, wherein the memory is used by the processor to make a payment using the payment application program when executed. Receives at least part of information on a transaction card or account through the image acquisition device or user interface, transmits at least part of the information to the outside through the communication circuit, and transmits the information from the outside Receiving an indication (policy) selected based on at least a part through the communication circuit, requesting a selected input item through the user interface based on at least part of the indication, and responding to the selected input items It may include instructions for receiving information to be transmitted through the user interface and transmitting the information to the outside through the communication circuit.

A server device according to various embodiments of the present invention includes a communication circuit configured to communicate with an external device; Memory; And a processor electrically connected to the communication circuit and the memory, wherein the memory includes a transaction card used to make a payment using a payment application program included in the external device when the processor is executed. card) or account (account) at least a part of the information is received through the communication circuit, based on at least a part of the information, the payment card or an indication related to the account is selected, and the indication is It may include instructions for transmitting to the external device through the communication circuit, and receiving information obtained from the external device through the communication circuit based at least in part on the indication.

According to various embodiments of the present disclosure, a method of operating an electronic device includes information on a transaction card or account used to make a payment using a payment application program through an image acquisition device or a user interface. Receiving at least a portion of; Transmitting at least part of the information to the outside; Receiving an indication selected based on at least part of the information from the outside; Requesting selected input items through the user interface based at least in part on the indication; Receiving information corresponding to the selected input items through the user interface; And transmitting the information to the outside.

According to various embodiments of the present invention, a method of operating a server device includes at least part of information on a transaction card or account used to make a payment using a payment application program included in an external device. Receiving a; Selecting an indication related to the payment card or account based on at least a portion of the information; Transmitting the indication to the external device; And receiving information obtained from the external device based at least in part on the indication.

Various embodiments of the present invention can provide a method and apparatus for registering a card without selecting a card company. In addition, various embodiments of the present invention can provide a method and an apparatus for safely registering a card by dynamically changing an indication (in other words, a policy) according to a location of a user terminal.

1 is a block diagram illustrating a configuration of an electronic device according to various embodiments of the present disclosure.
2 is a block diagram of an electronic device according to various embodiments of the present disclosure.
3 is a block diagram illustrating a hardware structure of an electronic device capable of performing a payment function according to various embodiments of the present disclosure.
4 illustrates a payment system according to various embodiments of the present invention.
5 is a flowchart illustrating a card registration method according to various embodiments of the present disclosure.
6A, 6B, 6C, 6D and 6E illustrate user interfaces for card registration according to an embodiment of the present invention.
7A, 7B and 7C illustrate user interfaces for card registration according to another embodiment of the present invention.
8 is a block diagram of a program module according to various embodiments of the present document.

Hereinafter, various embodiments of the present document will be described with reference to the accompanying drawings. However, this is not intended to limit the techniques described in this document to specific embodiments, and should be understood to include various modifications, equivalents, and/or alternatives of the embodiments of this document. . In connection with the description of the drawings, similar reference numerals may be used for similar elements.

In this document, expressions such as "have," "may have," "include," or "may contain" are the presence of corresponding features (eg, elements such as numbers, functions, actions, or parts). And does not exclude the presence of additional features.

In this document, expressions such as "A or B," "at least one of A or/and B," or "one or more of A or/and B" may include all possible combinations of the items listed together. . For example, "A or B," "at least one of A and B," or "at least one of A or B" includes (1) at least one A, (2) at least one B, Or (3) it may refer to all cases including both at least one A and at least one B.

Expressions such as "first," "second," "first," or "second," used in this document can modify various elements regardless of their order and/or importance, and It is used to distinguish it from other components and does not limit the components. For example, a first user device and a second user device may represent different user devices regardless of order or importance. For example, without departing from the scope of the rights described in this document, a first component may be referred to as a second component, and similarly, a second component may be renamed to a first component.

Some component (eg, the first component) is “(functionally or communicatively) coupled with/to)” to another component (eg, the second component) or “ When referred to as "connected to", it should be understood that the certain component may be directly connected to the other component or may be connected through another component (eg, a third component). On the other hand, when a component (eg, a first component) is referred to as being “directly connected” or “directly connected” to another component (eg, a second component), the component and the It may be understood that no other component (eg, a third component) exists between the different components.

The expression "configured to" as used in this document is, for example, "suitable for," "having the capacity to" depending on the situation. ," "designed to," "adapted to," "made to," or "capable of." The term "configured to (or set)" may not necessarily mean only "specifically designed to" in hardware. Instead, in some situations, the expression "a device configured to" may mean that the device "can" along with other devices or parts. For example, the phrase “a processor configured (or configured) to perform A, B, and C” means a dedicated processor (eg, an embedded processor) for performing the operation, or by executing one or more software programs stored in a memory device. , May mean a generic-purpose processor (eg, a CPU or an application processor) capable of performing corresponding operations.

The term "screen" used in this document may refer to a screen of the display unit. For example, in the sentences "the card (image) is displayed on the screen", "the display unit displays the card on the screen" or "the control unit controls the display unit to display the card on the screen", the screen is "the screen of the display unit" Is used as. Meanwhile, the term “screen” may refer to an object displayed on the display unit. For example, in the sentences "the card screen is displayed", "the display unit displays the card screen" or "the control unit controls the display unit to display the card screen", the screen is used as a display object.

Terms used in this document are only used to describe a specific embodiment, and may not be intended to limit the scope of other embodiments. Singular expressions may include plural expressions unless the context clearly indicates otherwise. Terms used herein, including technical or scientific terms, may have the same meaning as commonly understood by one of ordinary skill in the technical field described in this document. Among terms used in this document, terms defined in a general dictionary may be interpreted as having the same or similar meanings as those in the context of the related technology, and unless explicitly defined in this document, they have ideal or excessively formal meanings. Is not interpreted as. In some cases, even terms defined in this document cannot be interpreted to exclude embodiments of this document.

Electronic devices according to various embodiments of the present document include, for example, a smartphone, a tablet personal computer, a mobile phone, a video phone, and an e-book reader. , Desktop personal computer (desktop personal computer), laptop personal computer (laptop personal computer), netbook computer, workstation, server, personal digital assistant (PDA), portable multimedia player (PMP), MP3 player, mobile It may include at least one of a medical device, a camera, or a wearable device. According to various embodiments, the wearable device is an accessory type (e.g., a watch, a ring, a bracelet, an anklet, a necklace, glasses, contact lens, or a head-mounted-device (HMD)), a fabric, or an integrated clothing ( For example, it may include at least one of an electronic garment), a body-attached type (eg, a skin pad or tattoo), or a living body type (eg, an implantable circuit).

In some embodiments, the electronic device may be a home appliance. Home appliances include, for example, televisions, digital video disk (DVD) players, audio, refrigerators, air conditioners, vacuum cleaners, ovens, microwave ovens, washing machines, air cleaners, set-top boxes, and home automation controls. Panel (home automation control panel), security control panel (security control panel), TV box (e.g. Samsung HomeSyncTM, Apple TVTM, or Google TVTM), game console (e.g. XboxTM, PlayStationTM), electronic dictionary, electronic key, camcorder It may include at least one of (camcorder) or an electronic picture frame.

In another embodiment, the electronic device includes various medical devices (e.g., various portable medical measuring devices (blood glucose meter, heart rate meter, blood pressure meter, or body temperature meter, etc.), magnetic resonance angiography (MRA), magnetic resonance imaging (MRI), CT (computed tomography), camera, or ultrasound), navigation device, global navigation satellite system (GNSS), event data recorder (EDR), flight data recorder (FDR), car infotainment ) Devices, marine electronic equipment (e.g. marine navigation equipment, gyro compasses, etc.), avionics, security equipment, vehicle head units, industrial or domestic robots, automatic teller's machines (ATMs) for financial institutions , Point of sales (POS) in stores, or internet of things (e.g. light bulbs, sensors, electricity or gas meters, sprinkler devices, fire alarms, thermostats, street lights, toasters) , Exercise equipment, hot water tank, heater, boiler, etc.).

According to some embodiments, the electronic device is a furniture or part of a building/structure, an electronic board, an electronic signature receiving device, a projector, or various measurement devices (e.g., It may include at least one of water, electricity, gas, or radio wave measurement equipment. In various embodiments, the electronic device may be a combination of one or more of the aforementioned various devices. The electronic device according to some embodiments may be a flexible electronic device. Further, the electronic device according to the exemplary embodiment of the present document is not limited to the above-described devices, and may include a new electronic device according to technological advances.

A portable electronic device according to various embodiments of the present document may be a combination of one or more of the aforementioned various devices. Also, a portable electronic device according to various embodiments of the present document may be a flexible device. Also, it is apparent to those skilled in the art that the portable electronic device according to various embodiments of the present document is not limited to the above-described devices.

When the portable electronic device according to various embodiments of the present disclosure generates a magnetic field signal, the same current as when the magnetic card swipes the card reading device from the position of the header may be generated in the card reading device. That is, the user may pay the cost or the like by bringing the portable electronic device close to or in contact with the card reading device.

Magnetic field communication methods may include near field communication (NFC) and magnetic secure transmission or near field magnetic data stripe transmission (MST). These schemes may differ in data rate (bit/sec), communication range, and frequency. In addition, while NFC is a two-way communication method, MST is a one-way communication (for example, information is transmitted from one side without ping).

Hereinafter, electronic devices according to various embodiments will be described with reference to the accompanying drawings. In this document, the term user may refer to a person using an electronic device or a device (eg, an artificial intelligence electronic device) using an electronic device.

Referring to FIG. 1, an electronic device 101 in a network environment 100 in various embodiments is described. The electronic device 101 may include a bus 108, a processor 102, a memory 103, an input/output interface 105, a display 106, and a communication interface 107. In some embodiments, the electronic device 101 may omit at least one of the constituent elements or may additionally include other constituent elements.

The bus 108 may include, for example, a circuit that connects the components 102, 103, and 105-108 to each other and transfers communication (eg, control messages and/or data) between the components.

The processor 102 may include one or more of a central processing unit (CPU), an application processor (AP), or a communication processor (CP). The processor 102 may control at least one other component of the electronic device 101 and/or perform an operation or data processing related to communication.

The memory 103 may include volatile and/or nonvolatile memory. The memory 103 may store, for example, a command or data related to at least one other component of the electronic device 101. According to one embodiment, the memory 103 may store software and/or a program 104. The program 104 is, for example, a kernel 104A, middleware 104B, an application programming interface (API) 104C, and/or an application program (or "application") 104D, etc. It may include. At least a portion of the kernel 104A, middleware 104B, or API 104C may be referred to as an operating system (OS).

The kernel 104A is, for example, system resources (e.g., system resources used to execute an operation or function implemented in other programs (e.g., middleware 104B, API 104C, or application program 104D)). : The bus 108, the processor 102, or the memory 103, etc.) can be controlled or managed. In addition, the kernel 104A provides an interface for controlling or managing system resources by accessing individual components of the electronic device 101 from the middleware 104B, the API 104C, or the application program 104D. I can.

The middleware 104B may serve as an intermediary so that, for example, the API 104C or the application program 104D communicates with the kernel 104A to exchange data.

In addition, the middleware 104B may process one or more job requests received from the application program 104D according to priority. For example, the middleware 104B can use the system resources of the electronic device 101 (for example, the bus 108, the processor 102, or the memory 103) for at least one of the application programs 104D. Priority can be given. For example, the middleware 104B may perform scheduling or load balancing for the one or more work requests by processing the one or more work requests according to the priority assigned to the at least one.

The API 104C is, for example, an interface for the application 104D to control functions provided by the kernel 104A or the middleware 104B. For example, file control, window control, image processing, or text It may include at least one interface or function (eg, command) for control or the like.

The input/output interface 105 may serve as an interface capable of transmitting commands or data input from a user or other external device to other component(s) of the electronic device 101, for example. In addition, the input/output interface 105 may output commands or data received from other component(s) of the electronic device 101 to a user or another external device.

The display 106 is, for example, a liquid crystal display (LCD), a flexible display, a transparent display, a light-emitting diode (LED) display, an organic light emitting diode. It may include an organic light-emitting diode (OLED) display, a microelectromechanical systems (MEMS) display, or an electronic paper display. The display 106 may display, for example, various types of content (eg, text, images, videos, icons, symbols, etc.) to the user. The display 106 may include a touch screen, and may receive, for example, a touch, gesture, proximity, or hovering input using an electronic pen or a part of the user's body.

The communication interface 107 sets communication between the electronic device 101 and an external device (eg, a first external electronic device 109A, a second external electronic device 109B, or a server 109C), for example. I can. For example, the communication interface 107 may be connected to the network 109E through wireless communication or wired communication to communicate with an external device (eg, the second external electronic device 109B or the server 109C).

Wireless communication is, for example, a cellular communication protocol, for example, LTE (long-term evolution), LTE-A (LTE Advance), CDMA (code division multiple access), WCDMA (wideband CDMA), UMTS (universal mobile telecommunications system), WiBro (Wireless Broadband), or GSM (Global System for Mobile Communications). Further, wireless communication may include, for example, short-range communication 109D. The short-range communication 109D may include at least one of, for example, wireless fidelity (WiFi), Bluetooth, near field communication (NFC), Magnetic Secure Transmission (MST), or global navigation satellite system (GNSS). I can. GNSS is, for example, GPS (Global Positioning System), Glonass (Global Navigation Satellite System), Beidou Navigation Satellite System (hereinafter "Beidou") or Galileo, the European global satellite-based navigation system. It may include at least one. Hereinafter, in this document, “GPS” may be used interchangeably with “GNSS”. Wired communication may include at least one of, for example, universal serial bus (USB), high definition multimedia interface (HDMI), recommended standard 232 (RS-232), or plain old telephone service (POTS). The network 109E may include at least one of a telecommunications network, for example, a computer network (eg, LAN or WAN), the Internet, or a telephone network.

Each of the first and second external electronic devices 109A and 109B may be a device of the same or different type as the electronic device 101. According to an embodiment, the server 109C may include a group of one or more servers. According to various embodiments, all or part of the operations executed by the electronic device 101 may be executed by another one or a plurality of electronic devices (eg, electronic devices 109A and 109B, or a server 109C). According to an example, when the electronic device 101 needs to perform a certain function or service automatically or by request, the electronic device 101 instead of or in addition to executing the function or service itself, at least Some functions may be requested from other devices (eg, electronic devices 109A and 109B, or server 109C) Other electronic devices (eg, electronic devices 109A and 109B, or server 109C) may The function or additional function may be executed, and the result may be transmitted to the electronic device 101. The electronic device 101 may provide the requested function or service by processing the received result as it is or additionally. For example, cloud computing, distributed computing, or client-server computing technology may be used.

2 is a block diagram 200 illustrating an electronic device 201 according to various embodiments. The electronic device 201 may include, for example, all or part of the electronic device 101 illustrated in FIG. 1. The electronic device 201 includes one or more processors (eg, an application processor (AP)) 210, a communication module 220, a subscriber identification module 229, a memory 230, a sensor module 240, and an input device ( 250), a display 260, an interface 270, an audio module 280, a camera module 291, a power management module 295, a battery 296, an indicator 297, and a motor 298. I can.

The processor 210 may control a plurality of hardware or software components connected to the processor 210 by driving an operating system or an application program, for example, and may perform various data processing and operations. The processor 210 may be implemented with, for example, a system on chip (SoC). According to an embodiment, the processor 210 may further include a graphic processing unit (GPU) and/or an image signal processor. The processor 210 may also include at least some of the components shown in FIG. 2 (for example, the cellular module 221). The processor 210 may load and process commands or data received from at least one of other components (eg, nonvolatile memory) into a volatile memory, and store various data in the nonvolatile memory. have.

The communication module 220 may have the same or similar configuration as the communication interface 170 of FIG. 1. The communication module 220 is, for example, a cellular module 221, a WiFi module 222, a Bluetooth module 223, a GNSS module 224 (eg, a GPS module, a Glonass module, a Beidou module, or a Galileo module). , NFC module 225, MST module 226, and may include a radio frequency (RF) module 227.

The cellular module 221 may provide, for example, a voice call, a video call, a text service, or an Internet service through a communication network. According to an embodiment, the cellular module 221 may distinguish and authenticate the electronic device 201 in a communication network using a subscriber identification module (eg, a SIM card) 229. According to an embodiment, the cellular module 221 may perform at least some of the functions that the processor 210 may provide. According to an embodiment, the cellular module 221 may include a Communication Processor (CP).

Each of the WiFi module 222, the Bluetooth module 223, the GNSS module 224, the NFC module 225, or the MST module 226 includes, for example, a processor for processing data transmitted and received through a corresponding module. Can include. According to some embodiments, at least some of the cellular module 221, the WiFi module 222, the Bluetooth module 223, the GNSS module 224, the NFC module 225, or the MST module 226 (e.g., two or more ) May be included in one integrated chip (IC) or IC package.

The RF module 227 may transmit and receive, for example, a communication signal (eg, an RF signal). The RF module 227 may include, for example, a transceiver, a power amp module (PAM), a frequency filter, a low noise amplifier (LNA), or an antenna. According to another embodiment, at least one of the cellular module 221, the WiFi module 222, the Bluetooth module 223, the GNSS module 224, the NFC module 225, or the MST module 226 is a separate RF module. Through the RF signal can be transmitted and received.

The subscriber identification module 229 may include, for example, a card including a subscriber identification module and/or an embedded SIM (embedded SIM), and unique identification information (eg, integrated circuit card identifier (ICCID)) or It may include subscriber information (eg, international mobile subscriber identity (IMSI)).

The memory 230 (for example, the memory 130) may include, for example, an internal memory 232 or an external memory 234. The internal memory 232 is, for example, a volatile memory (eg, dynamic RAM (DRAM), static RAM (SRAM), or synchronous dynamic RAM (SDRAM)), a non-volatile memory (eg: OTPROM (one time programmable ROM), PROM (programmable ROM), EPROM (erasable and programmable ROM), EEPROM (electrically erasable and programmable ROM), mask ROM, flash ROM, flash memory (e.g., NAND flash or NOR flash, etc.), It may include at least one of a hard drive or a solid state drive (SSD).

The external memory 234 is a flash drive, for example, compact flash (CF), secure digital (SD), micro secure digital (Micro-SD), mini secure digital (Mini-SD), and external memory (xD). digital), a multi-media card (MMC), or a memory stick. The external memory 234 may be functionally and/or physically connected to the electronic device 201 through various interfaces.

The security module 236 is a module including a storage space having a higher security level than the memory 230 and may be a circuit that ensures safe data storage and a protected execution environment. The security module 236 may be implemented as a separate circuit and may include a separate processor. The security module 236 is, for example, present in a removable smart chip, a secure digital (SD) card, or an embedded secure element (embedded secure element) embedded in a fixed chip of the electronic device 201. eSE)). Also, the security module 236 may be driven by an operating system different from the operating system (OS) of the electronic device 201. For example, it can operate based on the JCOP (java card open platform) operating system.

The sensor module 240 may measure a physical quantity or detect an operating state of the electronic device 201, for example, and convert the measured or sensed information into an electric signal. The sensor module 240 is, for example, a gesture sensor 240A, a gyro sensor 240B, an atmospheric pressure sensor 240C, a magnetic sensor 240D, an acceleration sensor 240E, a grip sensor 240F, a proximity sensor ( 240G), color sensor (240H) (e.g., RGB (red, green, blue) sensor), biometric sensor (240I), temperature/humidity sensor (240J), illuminance sensor (240K), or UV (ultra violet) ) It may include at least one of the sensors 240M. Additionally or alternatively, the sensor module 240 includes, for example, an E-nose sensor, an electromyography sensor, an electroencephalogram sensor, and an ECG sensor. , An infrared (IR) sensor, an iris sensor, and/or a fingerprint sensor. The sensor module 240 may further include a control circuit for controlling at least one or more sensors included therein. In some embodiments, the electronic device 201 further includes a processor configured to control the sensor module 240 as part of the processor 210 or separately, while the processor 210 is in a sleep state, The sensor module 240 can be controlled.

The input device 250 is, for example, a touch panel 252, a (digital) pen sensor 254, a key 256, or an ultrasonic input device ( 258). The touch panel 252 may use at least one of, for example, a capacitive type, a pressure sensitive type, an infrared type, or an ultrasonic type. In addition, the touch panel 252 may further include a control circuit. The touch panel 252 may further include a tactile layer to provide a tactile reaction to a user.

The (digital) pen sensor 254 may be, for example, a part of a touch panel or may include a separate sheet for recognition. The key 256 may include, for example, a physical button, an optical key, or a keypad. The ultrasonic input device 258 may detect ultrasonic waves generated by an input tool through a microphone (for example, the microphone 288), and check data corresponding to the sensed ultrasonic waves.

The display 260 (eg, the display 160) may include a panel 262, a hologram device 264, or a projector 266. The panel 262 may have the same or similar configuration as the display 160 of FIG. 1. The panel 262 may be implemented, for example, to be flexible, transparent, or wearable. The panel 262 may be configured with the touch panel 252 as a single module. The hologram device 264 may show a three-dimensional image in the air using interference of light. The projector 266 may project light onto a screen to display an image. The screen may be located inside or outside the electronic device 201, for example. According to an embodiment, the display 260 may further include a control circuit for controlling the panel 262, the hologram device 264, or the projector 266.

The interface 270 is, for example, a high-definition multimedia interface (HDMI) 272, a universal serial bus (USB) 274, an optical interface 276, or D-sub (D-subminiature). ) 278 may be included. The interface 270 may be included in, for example, the communication interface 170 shown in FIG. 1. Additionally or alternatively, the interface 270 is, for example, a mobile high-definition link (MHL) interface, a secure digital (SD) card/multi-media card (MMC) interface, or an infrared (IRDA) interface. data association) may include a standard interface.

The audio module 280 may convert, for example, a sound and an electric signal bidirectionally. At least some components of the audio module 280 may be included in, for example, the input/output interface 145 illustrated in FIG. 1. The audio module 280 may process sound information input or output through, for example, a speaker 282, a receiver 284, earphones 286, or a microphone 288.

The camera module 291 is, for example, a device capable of photographing still images and moving pictures, and according to an embodiment, one or more image sensors (eg, a front sensor or a rear sensor), a lens, an image signal processor (ISP) , Or flash (eg, LED or xenon lamp, etc.) may be included.

The power management module 295 may manage power of the electronic device 201, for example. According to an embodiment, the power management module 295 may include a power management integrated circuit (PMIC), a charger integrated circuit (IC), or a battery or fuel gauge. The PMIC may have a wired and/or wireless charging method. The wireless charging method includes, for example, a magnetic resonance method, a magnetic induction method, or an electromagnetic wave method, and may further include an additional circuit for wireless charging, such as a coil loop, a resonance circuit, or a rectifier. have. The battery gauge may measure the remaining amount of the battery 296, voltage, current, or temperature during charging. The battery 296 may include, for example, a rechargeable battery and/or a solar battery.

The indicator 297 may display a specific state of the electronic device 201 or a part thereof (eg, the processor 210), for example, a booting state, a message state, or a charging state. The motor 298 may convert an electrical signal into mechanical vibration, and may generate a vibration or a haptic effect. Although not shown, the electronic device 201 may include a processing device (eg, a GPU) for supporting mobile TV. A processing device for supporting mobile TV may process media data according to standards such as digital multimedia broadcasting (DMB), digital video broadcasting (DVB), or mediaFlo™.

Each of the constituent elements described in this document may be composed of one or more components, and the name of the constituent element may vary according to the type of electronic device. In various embodiments, the electronic device may include at least one of the constituent elements described in this document, and some constituent elements may be omitted or additional other constituent elements may be further included. In addition, some of the components of an electronic device according to various embodiments of the present disclosure are combined to form a single entity, so that functions of the corresponding components before the combination may be performed in the same manner.

3 is a block diagram 300 illustrating a hardware structure of an electronic device (eg, electronic device 101) capable of performing a payment function, according to various embodiments. According to an embodiment, the electronic device includes, for example, a camera module 301, an acceleration sensor 303, a gyro sensor 305, a biometric sensor 307, an MST module 310, an NFC module 320, and It may include an MST control module 330, an NFC control module 340, a processor 350, and a memory 360. The camera module 301 may acquire card information by photographing a card required for payment. The camera module 301 may recognize card information (eg, card company, card number, card expiration date, card owner, etc.) marked on a card through an optical character reader (OCR) function. Alternatively, a user may input necessary card information into the electronic device using an input device (eg, a touch panel, a pen sensor, a key, an ultrasonic input device, or a microphone input device) included in the electronic device.

According to an embodiment, the acceleration sensor 303 or the gyro sensor 305 may obtain a location state of the electronic device at the time of payment. The acquired location information of the electronic device (for example, the electronic device 101) is transmitted to the processor 350, and the processor is based on the acquired position state of the electronic device, the strength of the magnetic field transmitted from the MST module 310 to the POS (Current intensity) may be adjusted or, when there are a plurality of coil antennas, a coil antenna to be used may be selected. According to an embodiment, the MST control module 330 includes a data receiving module 331 and an output conversion module 333 It may include. The data receiving module 331 may receive a logical low/high pulse signal including payment information transmitted by the processor 350 or a security module (eg, eSE).

The output conversion module 333 may include a circuit for converting the data recognized by the data receiving module 331 to the MST module 310 in a required form. The circuit may include an H-Bridge that controls a direction of a voltage supplied to both ends of the MST module 310. H-Bridge may include a circuit structure connected in an H shape using a structure of four switches.

According to an embodiment, based on the card information input through the camera module 301 or an input device (for example, a touch panel, a pen sensor, etc.), the electronic device is a card company through a communication module (not shown). /Payment information (e.g., track1/2/3 or token information) included in the magnetic stripe of the magnetic card is received from the bank server and is required for the memory 360 or a separate security module 236 (e.g., eSE). Can be saved in the form.

4 illustrates a payment system according to various embodiments of the present invention.

Referring to FIG. 4, the payment system 400 may include a user terminal 410, a payment service server 420, a security support device 430, a storage device 440, and a financial server 450. The payment service server 420, the security support device 430, and the storage device 440 may be configured as one device. For example, the payment service server 420 may perform a function of the security support device 430 and a function of the storage device 440.

The user terminal 410 may include a payment application (wallet application) 411. Additionally, the user terminal 410 may include all or part of the electronic device 101 shown in FIG. 1 or the electronic device 201 shown in FIG. 2.

The payment application 411 may include a Samsung Pay Application, and may provide a payment-related user interface (eg, a user interface (UI) or a user experience (UX)). A payment-related user interface May include a wallet user interface (wallet UI/UX) For example, the payment application 411 may provide a user interface related to card registration, payment, or transaction. The payment application 411 may provide an interface related to card registration through a character reader (eg, OCR (optical character reader/recognition)) or an external input (eg, user input). ) May provide an interface related to user authentication for card registration or payment.

The user terminal 410 may perform card registration using the payment application 411. For example, the user may register a card through the terminal 410 without selecting a card company. The user terminal 410 is a transaction card or account used to make payment through a user interface (eg, input device 250) or an image acquisition device (eg, camera module 291). ) Information can be received. For example, the received information may include a credit card, a membership card, a gift card, a debit card, an account number, or a gift certificate number. The received information, for example, a part of the card number (aka: BIN code) may be used as information for determining the card company. The user terminal 410 may display a window for inputting a card number. In response to the input of the BIN code through such an input window, the user terminal 410 may transmit a policy request message for card registration to the payment service server 420. For example, the policy request message may include a BIN code, terminal identification information, and user information for member identification of a payment service. Additionally, the policy request message may include, for example, location information of the user terminal 410 to enable the payment service server 420 to set the security level of the policy.

The user terminal 410 may receive a response message including information corresponding to the policy established by the payment service server 420 from the payment service server 420. For example, the response message may include information indicating the encryption target, terms and conditions information, announcements, payment available area, payment available level, etc., and when a response message is received, the user terminal 410 displays the card registration screen as a user interface (e.g. : Can be displayed through the display 260. The card registration screen is in accordance with established policies, and card company information (e.g., card company name, card company logo, image representing the card company, etc.), required input items (e.g., the first two digits of the card password, CVC input items, It may include a resident registration number input item, a mobile phone number input item, etc.). In addition, the card registration screen may include a security keypad according to the established policy. For example, the arrangement of keys on the security keypad may be different for each established policy. The user terminal 410 may receive input information through an input device (eg, the input device 250) while the card registration screen is displayed, and display it in a corresponding item. In this case, a specific symbol (eg, "*") may be displayed in place of input information (eg, CVC number) according to a policy.

The user terminal 410 may transmit a registration request message including data input to the items to the payment service server 420 and receive a registration result from the payment service server 420 as a response thereto. If the registration result is card registration approval, the user terminal 410 receives a token corresponding to the card number from the financial server 450 (or directly from the financial server 450) through the payment service server 420 and stores the token in the memory. Card registration can also be completed by saving.

The user terminal 410 may perform payment using the payment application 411. The user may perform a payment function using the payment application 411 and receive information related to the payment function from the user terminal 410.

The payment service server 420 may recognize the issuer of the card requested for registration by using the information received from the user terminal 410 and determine a "card registration policy" corresponding to the recognized card company. For example, the processor of the payment service server 420 recognizes the card company using information received from the user terminal 410 (eg, BIN code and/or location information of the user terminal 410) through a communication module. Then, the recognized card company's card registration policy may be obtained from an external device (eg, the storage device 440) through a communication module. In addition, the processor of the payment service server 420 requests a policy for card registration from the identified card company's server (for example, the financial server 450) through the communication module, and sends a response from the server to the request. It may be received through a module and a policy may be obtained from the received response.

The payment service server 420 may determine a security level of card registration using information received from the user terminal 410 and may determine a policy based on the security level. For example, the security support device 430 receives user information from the user terminal 410 through the payment service server 450, and recognizes that the user who requests card registration through the received user information is a member of the payment service. And, by accessing the member's information stored in the storage device 440, the member's residence region (eg, country) may be checked. The security support device 430 may receive location information from the user terminal 410 through the payment service server 450 and determine whether the received location information corresponds to the confirmed member's residence area. As a result of the determination, when the received location information means a location within the confirmed member's residence area, the security support device 430 may set the security level to a low level. As a result of the determination, when the received location information is irrelevant to the residential area, the security support device 430 may set the security level relatively high. The processor of the payment service server 420 may receive information indicating the set security level through a communication module, and determine a policy using the information.

The payment service server 420 may transmit a response message including information corresponding to the determined “card company policy”, for example, a required input item, a security item, a security keypad, and the like, to the user terminal 410. In addition, in the case of a policy with a high security level, the response message may further include an additional input item (eg, user authentication using a mobile phone or an Automatic Response Service (ARS)). That is, when a card is suspected of being stolen or stolen, the payment service server 420 may request the user terminal 410 for additional information in addition to essential information to prevent unauthorized use of the card.

The payment service server 420 may manage a card company's policy. For example, as a card is newly developed, a new policy is established, or a part of the policy is changed (e.g., a part of the password was previously requested from the user, but according to the changed policy, the entire password is requested from the user) If the card is lost, the policy may be discarded. The payment service server 420 may receive information on such a policy change from a card company's server (eg, the financial server 450) and update the information on the storage device 440. In addition, the payment service server 420 may receive card user information (eg, bad member information, excellent member information) from the card company's server and store it in the storage device 440. The received card user's information can be used in policy decisions.

The payment service server 420 may perform management for payment. For example, the payment service server 420 may transmit “items for payment” corresponding to a policy established at the time of card registration to the user terminal 410. According to an embodiment, the payment service server 420 may request user authentication from the user terminal 410 requesting payment. In this case, the user authentication method may be different for each card company. For example, user authentication for a payment request for the A card may include authentication through input of a password. User authentication for the payment request of the B card may include authentication through input of a password and a fingerprint. When user authentication is completed, the user terminal 410 may transmit payment information (eg, token) corresponding to the items to the payment service server 420. The payment service server 420 may transmit payment information to an external device (eg, a server of a corresponding card company) or process payment. According to another embodiment, when the user terminal 410 requests a payment, the payment service server 420 may request the user terminal 410 for user authentication with enhanced security. For example, the user terminal 410 may transmit location information of the user terminal 410 to the payment service server 420 together with a payment request. The payment service server 420 may access the member's information stored in the storage device 440 to check the member's residence region (eg, country). The payment service server 420 may determine whether the received location information corresponds to the confirmed member's residence area. As a result of the determination, when the received location information refers to a location in the confirmed member's residence area, the payment service server 420 performs user authentication with low security level (eg, user authentication through input of a password). It can be requested from the terminal 410. As a result of the determination, if the received location information is irrelevant to the residential area, the payment service server 420 performs user authentication with a relatively high level of security (eg, user authentication through input of a password and fingerprint) to the user terminal 410 Can ask.

The payment service server 420 may manage card information linked to a service account (eg, a samsung account) or a user account (eg, a user's email address). In addition, the payment service server 420 may include an application program interface (API) server related to the payment application 411. In addition, the payment service server 420 may provide an account management module (eg, account integration or samsung account integration). The payment service server 420 may transmit and receive information between the user terminal 410 and a token server (not shown). In addition, the payment service server 420 may issue, delete, or activate information related to payment (eg, a token).

The financial server 450 may include a token server 451. The financial server 450 may generate information necessary for payment provided to a user. The financial server 450 may store the generated information in the user terminal 410, the payment service server 420, or the storage device 440. The financial server 450 is functionally connected to the payment service server 420 to transmit and receive policies required for card registration. The token server 451 may generate or manage payment-related information (eg, token). For example, the token server 451 may generate a token and transmit it to the user terminal 410 through or without the payment service server 420. The user terminal 410 may use the received token upon payment.

5 is a flowchart illustrating a card registration method according to various embodiments of the present disclosure.

Referring to FIG. 5, in operation 510, a user terminal 501 (eg, user terminal 410) may receive a part of a card number through an input device. In response to the reception, in operation 520, the user terminal 501 may transmit a message including a part of the received card number to the payment service server 502 (eg, the payment service server 420). The message may further include terminal identification information (eg, mobile phone number), terminal location information (eg, GPS information), and user information (eg, an account of a user (member) subscribed to the payment service system).

In operation 530, the payment service server 502 may identify the card company by using a part of the card number in the received message. In operation 540, the payment service server 502 may determine a policy for card registration corresponding to the card company. In this case, the terminal location information may be additionally considered in the policy decision. For example, when the location of a payment service member (user) is recognized through the terminal location information, and the recognized location is not a living area known to the server 502, the security level is set high and corresponds to the set security level. The policy to do can be decided. In operation 550, the payment service server 502 may transmit the determined policy to the user terminal 501.

In operation 560, the user terminal 501 may display a card registration screen corresponding to the received policy through a user interface (eg, the display 260). According to an embodiment, the policy may include data representing a credit card company and data representing a security level. Accordingly, the user terminal 501 may display input items corresponding to the data. According to another embodiment, the policy may include input items according to the card company and security level. Accordingly, the user terminal 501 may display the received input items.

In operation 570, the user terminal 501 may receive user input information through the card registration screen. In operation 580, the user terminal 501 may transmit a card registration request message including user input information to the payment service server 502.

In operation 590, the payment service server 502 verifies the user input information and, if there is no abnormality, registers the user's card in the payment service system to pay using the user terminal 501 (for example, the storage device 340). Can be registered at).

In operation 595, the payment service server 502 may transmit the registration result to the user terminal 501.

6A, 6B, 6C, 6D and 6E illustrate user interfaces for card registration according to an embodiment of the present invention.

Referring to FIG. 6A, the user terminal 601 (eg, the user terminal 410) may display an item 610 for inputting a card number. In item 610, when four numbers are input in each of the first and second columns, the user terminal 601 can transmit an eight-digit number (i.e., BIN code) to a payment service server (e.g., payment service server 420). have. For example, the user terminal 601 may display a keypad, receive a card number from the user through this, and display the received card number in item 610. Thereafter, the user terminal 601 may receive a policy for card registration from the payment service server, and display additional items for card registration as shown in FIG. 6B corresponding to the policy.

6B, the user terminal 601 includes an item 620 for entering a resident registration number, an item 630 for entering a card password, an item 640 for entering a CVC number of the card, and a user's name. Item 650 and information 660 indicating the identified card company (eg, A card) may be further displayed. Here, certain items may be omitted according to policies. For example, when the security level of the determined policy is low, only other items may be displayed without item 620. A specific symbol as shown in FIG. 6C may be displayed in place of the input information.

Referring to FIG. 6C, the user terminal 601 may display a symbol * instead of information input by the user. For example, instead of the numbers entered in the third column of the item 610, the second column of the item 620, the item 630, and the item 640, "*" may be displayed, respectively. After the mobile phone authentication is successful, when the user requests card registration (eg, when the transmit button 670 is selected), the user terminal 601 may transmit the input information to the payment service server. Here, the information may be encrypted and then transmitted.

Input items may differ depending on the credit card company. Referring to FIG. 6D, when the identified card company is "B card", the user terminal 601 may request input of a 4-digit card password 641. Also, the user terminal 601 may not require mobile phone authentication. Instead, another input item, for example, an e-mail ID 680 may be requested.

The display of certain symbols may also differ from card company to card company. Referring to FIG. 6E, "****" may be displayed in the fourth column of the card number. Unlike FIG. 6D, the CVC number may display an input number.

7A, 7B and 7C illustrate user interfaces for card registration according to another embodiment of the present invention.

Referring to FIG. 7A, the user terminal 701 (eg, the user terminal 410) may display an item 710 for inputting a card number. For example, the user terminal 701 may display a keypad, receive a card number from the user through this, and display the received card number in item 710. As another example, when the user selects the camera icon 702, the user terminal 701 may drive the camera, receive an image from the camera, obtain a card number from the image, and display it in the item 710. The user terminal 701 may transmit an 8-digit number input through the first and second columns in the item 710 to a payment service server (eg, payment service server 420). Thereafter, the user terminal 701 may receive a policy for card registration from the payment service server, and display items for card registration of card A, for example, as shown in FIG. 7B corresponding to the policy.

Referring to FIG. 7(b), the user terminal 701 includes item 720 for entering the expiration date of the card, item 730 for entering the card user's name, item 740 for entering a security code (eg, CVC), and An item 750 for entering the password of the card may be further displayed. In addition, additional items may be further displayed. For example, when the user selects the button 760, an additional item may be further displayed.

When the identified card company is, for example, a B card company, items required for card registration may be different. For example, referring to FIG. 7C, the user terminal 701 may further display an item 770 for inputting a resident registration number.

8 is a block diagram of a program module according to various embodiments. According to an embodiment, the program module 810 (eg, the program 104) is an operating system (OS) that controls resources related to the electronic device (eg, the electronic device 101) and/or Various applications (eg, application programs 104D) running on the system may be included. The operating system may be, for example, Android, iOS, Windows, symbian, Tizen, or bada.

The program module 810 may include a kernel 820, middleware 830, an application programming interface (API) 860, and/or an application 870. At least a part of the program module 810 may be preloaded on an electronic device or downloaded from an external electronic device (eg, electronic devices 109A and 109B, server 109C, etc.).

The kernel 820 (eg, the kernel 104A) may include, for example, a system resource manager 821 and/or a device driver 823. The system resource manager 821 may control, allocate, or recover system resources. According to an embodiment, the system resource manager 821 may include a process management unit, a memory management unit, or a file system management unit. The device driver 823 may include, for example, a display driver, a camera driver, a Bluetooth driver, a shared memory driver, a USB driver, a keypad driver, a WiFi driver, an audio driver, or an IPC (inter-process communication) driver. .

The middleware 830, for example, provides a function commonly required by the application 870, or through the API 860 so that the application 870 can efficiently use limited system resources inside the electronic device. Functions may be provided to the application 870. According to an embodiment, the middleware 830 (for example, the middleware 104B) is a runtime library 835, an application manager 841, a window manager 842, and a multimedia manager. )(843), resource manager(844), power manager(845), database manager(846), package manager(847), connectivity manager ) (848), notification manager (notification manager) (849), location manager (location manager) (850), graphic manager (graphic manager) (851), or security manager (security manager) (852) includes at least one of can do.

The runtime library 835 may include, for example, a library module used by the compiler to add a new function through a programming language while the application 870 is being executed. The runtime library 835 may perform input/output management, memory management, or a function for an arithmetic function.

The application manager 841 may manage, for example, a life cycle of at least one application among the applications 870. The window manager 842 may manage GUI resources used on the screen. The multimedia manager 843 may identify a format required for reproduction of various media files, and perform encoding or decoding of a media file using a codec suitable for the corresponding format. The resource manager 844 may manage resources such as source code, memory, or storage space of at least one of the applications 870.

The power manager 845 may operate together with, for example, a BIOS (basic input/output system), to manage a battery or power, and provide power information necessary for operation of an electronic device. The database manager 846 may create, search, or change a database to be used by at least one of the applications 870. The package manager 847 may manage installation or update of an application distributed in the form of a package file.

The connection manager 848 may manage a wireless connection such as WiFi or Bluetooth. The notification manager 849 may display or notify an event such as an arrival message, an appointment, and a proximity notification in a manner that does not interfere with the user. The location manager 850 may manage location information of the electronic device. The graphic manager 851 may manage a graphic effect to be provided to a user or a user interface related thereto. The security manager 852 may provide all security functions necessary for system security or user authentication. According to an embodiment, when the electronic device (eg, the electronic device 101) includes a phone function, the middleware 830 further includes a telephony manager for managing the voice or video call function of the electronic device. can do.

The middleware 830 may include a middleware module that forms a combination of various functions of the above-described components. The middleware 830 may provide modules specialized for each type of operating system in order to provide differentiated functions. Also, the middleware 830 may dynamically delete some of the existing components or add new components.

The API 860 (eg, API 104C) is, for example, a set of API programming functions, and may be provided in different configurations depending on the operating system. For example, in the case of Android or iOS, one API set may be provided for each platform, and in the case of Tizen, two or more API sets may be provided for each platform.

The application 870 (e.g., application program 104D) is, for example, a home 871, a dialer 872, an SMS/MMS 873, an instant message (IM) 874, a browser 875, and Camera 876, alarm 877, contact 878, voice dial 879, email 880, calendar 881, media player 882, album 883, or clock 884, health care It may include one or more applications capable of performing functions such as (health care) (eg, measuring exercise amount or blood sugar), or providing environmental information (eg, providing air pressure, humidity, or temperature information).

According to an embodiment, the application 870 is an application that supports information exchange between an electronic device (for example, the electronic device 101) and an external electronic device (for example, the electronic devices 109A and 109B). For convenience, "information exchange application") may be included. The information exchange application may include, for example, a notification relay application for delivering specific information to an external electronic device, or a device management application for managing an external electronic device.

For example, the notification delivery application transmits notification information generated from another application (eg, SMS/MMS application, email application, health management application, or environment information application) of the electronic device to an external electronic device (eg, electronic device 109A). , 109B)). In addition, the notification delivery application may receive notification information from, for example, an external electronic device and provide it to a user.

The device management application includes, for example, at least one function of an external electronic device (eg, electronic devices 109A and 109B) that communicates with the electronic device (eg, the turn-on of the external electronic device itself (or some component parts)). Manages (e.g., installation, deletion, etc.)on/turn-off or display brightness (or resolution) adjustment), applications running on external electronic devices, or services provided from external electronic devices (e.g., call service or message service, etc.) , Or update).

According to an embodiment, the application 870 may include a property of an external electronic device (eg, electronic devices 109A and 109B) (a specific application (eg, a health management application of a mobile medical device)). According to an embodiment, the application 870 may include an application received from an external electronic device (eg, the server 109C or the electronic devices 109A and 109B). May include a preloaded application or a third party application that can be downloaded from the server. So it can be different.

According to various embodiments, at least a portion of the program module 810 may be implemented in software, firmware, hardware, or a combination of at least two or more of them. At least a portion of the program module 810 may be implemented (eg, executed) by, for example, a processor (eg, processor 102). At least a portion of the program module 810 may include, for example, a module, a program, a routine, a set of instructions or a process for performing one or more functions.

The term "module" used in this document may mean, for example, a unit including one or a combination of two or more of hardware, software, or firmware. "Module" may be used interchangeably with terms such as, for example, unit, logic, logical block, component, or circuit. The "module" may be the smallest unit of integrally configured parts or a part thereof. The "module" may be a minimum unit or a part of one or more functions. The "module" can be implemented mechanically or electronically. For example, a "module" is one of known or future developed application-specific integrated circuit (ASIC) chips, field-programmable gate arrays (FPGAs), or programmable-logic devices that perform certain operations. It may include at least one.

At least a part of a device (eg, modules or functions thereof) or a method (eg, operations) according to various embodiments is, for example, a computer-readable storage media in the form of a program module. It can be implemented as a command stored in. When the command is executed by a processor (eg, processor 102), the one or more processors may perform a function corresponding to the command. The computer-readable storage medium may be, for example, the memory 103.

Computer-readable recording media include hard disks, floppy disks, magnetic media (e.g. magnetic tape), optical media (e.g. compact disc read only memory (CD-ROM)), DVD ( digital versatile disc), magnetic-optical media (e.g. floptical disk), hardware device (e.g. read only memory (ROM), random access memory (RAM)), or flash memory ), etc. In addition, the program instruction may include not only machine language codes generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter, etc. The hardware devices described above may include various types of hardware devices. It may be configured to operate as one or more software modules to perform the operation of the embodiment, and vice versa.

A module or a program module according to various embodiments may include at least one or more of the above-described elements, some of the above-described elements may be omitted, or additional other elements may be further included. Operations performed by modules, program modules, or other components according to various embodiments may be executed sequentially, in parallel, repetitively, or in a heuristic manner. In addition, some operations may be executed in a different order, omitted, or other operations may be added. In addition, the embodiments disclosed in this document are presented for description and understanding of the disclosed and technical content, and do not limit the scope of the technology described in this document. Accordingly, the scope of this document should be construed as including all changes or various other embodiments based on the technical idea of this document.

The term "module" used in various embodiments of the present invention may mean, for example, a unit including one or a combination of two or more of hardware, software, or firmware. "Module" may be used interchangeably with terms such as, for example, unit, logic, logical block, component, or circuit. The "module" may be the smallest unit of integrally configured parts or a part thereof. The "module" may be a minimum unit or a part of one or more functions. The "module" can be implemented mechanically or electronically. For example, a "module" according to various embodiments of the present invention, known or developed in the future, is an application-specific integrated circuit (ASIC) chip that performs certain operations, field-programmable gate arrays (FPGAs), or programmable logic. It may include at least one of programmable-logic devices.

At least a part of an apparatus (eg, modules or functions thereof) or a method (eg, operations) according to various embodiments of the present invention is, for example, a computer-readable storage medium in the form of a programming module. storage media). When an instruction is executed by a processor, the processor may perform a function corresponding to the instruction. The computer-readable storage medium may be, for example, memory 103. At least some of the programming modules may be implemented (eg, executed) by a processor. At least a part of the programming module may include, for example, a module, a program, a routine, a set of instructions, a process, or the like for performing one or more functions.

Computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, and optical media such as Compact Disc Read Only Memory (CD-ROM) and Digital Versatile Disc (DVD). ), Magnetic-Optical Media such as a floptical disk, and program commands such as ROM (Read Only Memory), RAM (Random Access Memory), and flash memory (e.g. programming module ). A hardware device specially configured to store and perform) may be included. Further, the program instruction may include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The above-described hardware device may be configured to operate as one or more software modules to perform operations of various embodiments of the present invention, and vice versa.

A module or a programming module according to various embodiments of the present disclosure may include at least one or more of the above-described components, some of the above-described components may be omitted, or additional other components may be further included. Operations performed by a module, a programming module, or other components according to various embodiments of the present disclosure may be executed sequentially, in parallel, repeatedly, or in a heuristic manner. In addition, some operations may be executed in a different order, omitted, or other operations may be added.

In addition, the embodiments of the present invention disclosed in the present specification and drawings are provided only to provide specific examples in order to easily explain the technical contents of according to the embodiments of the present invention and to aid in understanding of the embodiments of the present invention, and the scope of the embodiments of the present invention I am not trying to limit it. Therefore, the scope of various embodiments of the present invention should be interpreted as being included in the scope of various embodiments of the present invention in addition to the embodiments disclosed herein, all changes or modified forms derived based on the technical idea of various embodiments of the present invention. .

101, 109A, 109B: electronic device
102: processor 103: memory
104: program 105: input/output interface
106: display 107: communication interface
108: bus 109C: server
109D: Near Field Communication 109E: Network

Claims (21)

In the electronic device,
Touch panel;
display;
Communication circuit;
A memory for storing a payment application program; And
And a processor operatively coupled to the touch panel, the display, the communication circuit, and the memory,
The memory, when executed, the processor,
Using the execution screen of the payment application program, a first user input corresponding to only a part of the entire card number of the payment card is received through the touch panel,
In response to the first user input, a part of the received card number is transmitted to a first external device through the communication circuit,
Receiving first information from the first external device through the communication circuit as a response to the transmission of a part of the card number,
When a first user input corresponding to only a part of the card number is received and the received first information is related to a first card company, the first card registration screen is displayed in response to the reception of the first information. And when the received first information is related to a second card company, a second card registration screen that is at least partially different from the first card registration screen is displayed on the display in response to the reception of the first information,
Using the execution screen of the payment application program, corresponding to the second information on the input item included in the first card registration screen or the input item included in the second card registration screen, and the remaining part of the card number A second user input to be received through the touch panel,
And storing instructions for transmitting the second information and the card number of the payment card to the first external device through the communication circuit after receiving the second user input. The method of claim 1,
The first information,
An electronic device comprising information related to at least one of a credit card company, a required input item, an additional input item, a security item, or a security keypad. The method of claim 1,
The above input items are:
An electronic device comprising a user interface displayed to receive at least one of a card password, a CVC, a social security number, an e-mail, or a mobile phone number. The method of claim 1,
The second information,
An electronic device comprising information related to at least one of a card password, a CVC, a social security number, an e-mail, or a mobile phone number. The method of claim 1,
The first card registration screen includes at least one of a first card company name, a first card company logo, an image representing the first card company, or a first input item,
The second card registration screen includes at least one of a second card company name, a second card company logo, an image representing the second card company, or a second input item. The method of claim 1,
The instructions, the processor,
And displaying the received second information on at least a portion of the display, and displaying a specific symbol in place of a plurality of numbers among the received second information. The method of claim 1,
The instructions, the processor,
Displaying the received second information on at least a portion of the display,
When the received first information is related to a first card company, a specific symbol is displayed in place of the first plurality of numbers among the received second information,
When the received first information is related to a second card company, the specific symbol is displayed in place of a second plurality of numbers among the received second information,
The electronic device, wherein the number or number of digits of the first plurality of digits is different from a corresponding one of the number or digits of the second plurality of digits. The method of claim 1,
The instructions, the processor,
And displaying a security keypad for receiving the second information on at least a portion of the display. The method of claim 8,
The instructions, the processor,
When the received first information is related to a first card company, the security keypad is displayed so that the security keypad has a first key arrangement,
When the received first information is related to a second card company, the electronic device is configured to display the security keypad so that the security keypad has a second key arrangement. The method of claim 1,
Part of the received card number includes a bank identification number (BIN) of the payment card. The method of claim 1,
The instructions, the processor,
Along with a part of the received card number, at least one of identification information of the electronic device, location information of the electronic device, or user information for member identification of a payment service is transmitted to the first external device through the communication circuit. Electronic device, characterized in that to transmit. The method of claim 1,
The instructions, the processor,
Through the communication circuit, to receive payment data from a second external device,
And the payment data includes information corresponding to at least one of track 1, track 2, and track 3 included in a magnetic strip of the payment card. The method of claim 12,
The instructions, the processor,
And storing the received payment data in the memory or in a separate security module. The method of claim 12,
Further comprising at least one coil,
And transmitting a magnetic-based signal including the received payment data to the outside by using the at least one coil. The method of claim 14,
The instructions, the processor,
And transmitting the magnetic-based signal so that a current corresponding to a current generated in the card reading device is generated in the card reading device when the payment card is swiped on the card reading device. The method of claim 14,
The instructions, the processor,
Electronic device, characterized in that to transmit the magnetic-based signal in a magnetic-based transmission method different from the NFC method. The method of claim 16,
The other self-based transmission method, the NFC method,
An electronic device, characterized in that at least one of a data rate (bit/sec), a communication range, or a frequency is different. The method of claim 16,
The electronic device, characterized in that the other self-based transmission method is a one-way communication method. The method of claim 1,
Further comprising a microphone input device,
The instructions, the processor,
And receiving at least one of the first information or the second information through the microphone input device. The method of claim 1,
The payment card,
An electronic device comprising at least one of a credit card, a membership card, a gift card, or a debit card. The method of claim 1, further comprising a camera functionally connected to the processor,
The instructions, the processor,
An electronic device configured to receive the card number of the payment card instead of the touch panel.

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