KR20110128573A - Mobile communication terminal and mobile payment method using the same, mobile payment system - Google Patents

Abstract

PURPOSE: A portable terminal, mobile payment method using the same, and mobile payment system are provided to perform a mobile payment using a payment means among benefit information according to each payment means. CONSTITUTION: A USIM unit(118) stores credit card information. A control unit(108) requests the search of a franchise corresponding to a current location in the operation of a payment virtual machine. The control unit performs a temporary payment by requesting a prepayment to a POS(Point-Of-Sale) system using one or more payment means information. An RF(Radio Frequency) unit(110) request the prepayment to the POS system.

Description

MOBILE COMMUNICATION TERMINAL AND MOBILE PAYMENT METHOD USING THE SAME, MOBILE PAYMENT SYSTEM}

The present invention relates to a mobile payment technique, and more particularly, provides merchant information based on a location of a mobile communication terminal, provides payment information for each payment method corresponding to the payment method, and selected from among the payment information for each payment method. The present invention relates to a mobile communication terminal, a mobile payment method using the same, and a mobile payment system suitable for performing an actual payment for a corresponding product according to an actual purchase after performing a payment by using information.

As is well known, with the development of electronic and communication technologies, various wireless communication services are provided using a wireless communication network. Basically, a voice call is wirelessly provided to users of mobile communication terminals and a text message service is provided. It complements the service.

On the other hand, with the establishment of the Internet based on TCP / IP (transmission control protocol / internet protocol), it is possible to search for various information using the Internet, or to transmit various data including text, voice, image, video, etc. in real time. In order to use various communication services using the Internet in a better communication environment, the spread of high speed communication networks is increasing.

In addition, in recent years, many companies are developing technology for wireless Internet to provide Internet service regardless of the user's location. The wireless Internet service is to provide Internet contents through a mobile communication network. Unique information can be provided based on location, and a location based service (LBS) is emerging among various wireless Internet services.

The location-based service refers to a communication service that locates a mobile communication terminal such as a mobile phone, a personal digital assistant (PDA), a notebook computer, and provides additional information related to the identified location. Due to integration with various content technologies and information processing technologies such as terminal technology, geographic information system (GIS), global position system (GPS), and intelligent transport system (ITS) It is expected.

In order to use the location-based service, a wireless position determination technology (PDT) for identifying the location of the mobile communication terminal is required, which is divided into a network-based method using a base station reception signal and a handset-based method using a GPS signal. Recently, a hybrid type technology that combines the two technologies to improve the position accuracy has been developed.

In addition, GPS is a system that can be located anywhere in the world by 24 GPS satellites orbiting the earth at an altitude of about 20000 kilometers, using radio waves in the 1.5 GHz band, and having a control station called the control station on the ground. It collects and synchronizes the information transmitted from the GPS satellites, and the user can determine the current position through the GPS receiver. The general technique of positioning using the GPS system is the triangulation method. A satellite is required, and a total of four GPS satellites are required, including an observation satellite for time error.

Using the GPS signal as described above, the location of the mobile communication terminal can be provided to provide various location-based services related to the identified location. After obtaining a database of restaurant information and gas station information in each region, the current location is identified. Therefore, through the surrounding information located in the vicinity, it is possible to provide services such as location, phone number, and directions associated with the surrounding facilities.

As described above, by using location-based services, the mobile terminal provides peripheral information such as restaurant information and gas station information in each region. In connection with this, services for providing various payment services using the mobile terminal are developed. It is in a state.

Accordingly, the present invention provides a mobile communication terminal by providing neighboring merchant information using location-based information, providing benefit information for each payment method, and performing mobile payment using a payment method selected from the payment information for each payment method. The present invention provides a mobile communication terminal capable of performing payment using a mobile payment method and a mobile payment system using the same.

According to an aspect of an embodiment of the present invention, the USIM unit that stores a plurality of credit card information, and requests the search of the merchant corresponding to the current location while running the payment virtual machine, and based on the found merchant A control unit which receives at least one payment method information in consideration of benefit information for each payment method corresponding to a plurality of credit card information from a wireless access server, requests prepayment to the POS system together with one of the selected payment method information, and performs the provisional payment. And an RF unit for receiving the at least one payment means information from the wireless access server and requesting the prepayment to the POS system.

Preferably, the control unit is provided with a mobile communication terminal for receiving and storing approval information including a personal identification number (PIN) number from the POS system after performing the provisional payment.

Preferably, the controller requests the actual mobile payment by transmitting the payment means information and the approved PIN number to the POS system according to the input of the approved PIN number while the payment virtual machine is driven. A mobile communication terminal is provided.

Preferably, the control unit is provided with a mobile communication terminal for controlling to receive and display the recommended discount information from the POS system when the prepayment is requested.

Advantageously, the payment information for each payment means is provided with a mobile communication terminal including at least one of a discount for a card name, whether free or not, an event, and a free gift.

Preferably, the recommendation discount information is provided with a mobile communication terminal including at least one of a recommendation discount product name, a product-specific discount rate, a product-specific gift or not, and a product-specific event.

According to another aspect of an embodiment of the present invention, requesting a search for an affiliate store corresponding to a current location while a payment virtual machine is driven, and for each payment method corresponding to a plurality of credit card information based on the searched affiliate store Receiving at least one payment method information in consideration of the benefit information from the wireless access server, and requesting a prepayment to the POS system with any one of the payment means information selected from the received at least one payment method information to perform the provisional payment A mobile payment method using a mobile communication terminal is provided.

Preferably, the mobile payment method, the mobile communication terminal further comprises the step of receiving and storing the approval information including a personal identification number (PIN) number from the POS system after performing the provisional payment; The mobile payment method used is provided.

Preferably, the mobile payment method further comprises the step of requesting the actual mobile payment by transmitting the one of the payment means information and the approval PIN number to the POS system according to the input of the approval PIN number A mobile payment method using a communication terminal is provided.

Preferably, in the performing of the prepaid payment, a mobile payment method using a mobile communication terminal which receives and displays recommendation discount information from the POS system upon request of the prepaid payment is provided.

Preferably, the payment information for each payment means is provided with a mobile payment method using a mobile communication terminal including at least one of whether the discount for the card name, free or not, whether the event and free gifts.

Preferably, the recommendation discount information is provided with a mobile payment method using a mobile communication terminal including at least one of a recommendation discount product name, a product-specific discount rate, a gift-free gift or a product-specific event.

According to another embodiment of the present invention, if the location-based service server for identifying the location of the mobile communication terminal to provide location information and the search for the affiliate store from the mobile communication terminal is requested, the affiliate store information corresponding to the provided location information is requested. Request and receive to the service server, request and receive a plurality of payment means information provided from the mobile communication terminal and payment method-specific benefit information for the received merchant information to a card company server, and receive the benefit information for each payment means. The wireless access server selects at least one payment means information from the plurality of payment means information and provides the mobile communication terminal to the mobile communication terminal according to a preset standard, and when a prepayment is requested from the mobile communication terminal, Mobile payments that include a point-of-sale system A system is provided.

Preferably, the POS system is provided with a mobile payment system that provides recommended discount information to the mobile communication terminal when the prepayment is requested.

Preferably, the POS system is provided with a mobile payment system that provides the mobile communication terminal with approval information including a personal identification number (PIN) number after the provisional payment is performed.

Preferably, the POS system, when the mobile payment is requested with the transmission of the approval PIN number from the mobile communication terminal, a mobile payment system for performing the actual mobile payment for the payment is provided.

Preferably, the payment information for each payment means is provided with a mobile payment system including at least one of whether the discount for the card name, free or not, whether the event and free gifts.

Preferably, the recommendation discount information is provided with a mobile payment system including at least one of a recommendation discount product name, a product-specific discount rate, a gift-free gift or a product-specific event.

The present invention provides neighboring merchant information using location-based information, provides benefit information for each payment method, performs a provisional payment using a payment method selected from the payment information for each payment method, and performs a payment. By performing the mobile payment after the actual purchase of the product along with the personal information, it is possible to provide the merchant search service using location-based information, to provide information of the available credit card when introducing the merchant information, and owns the mobile card If you do, you can provide a mobile payment service that can recommend the best card use.

1 is a block diagram illustrating a mobile communication terminal suitable for performing a mobile payment using benefit information for each merchant based on location-based information according to an embodiment of the present invention;
2 is a block diagram of a mobile payment system suitable for providing a mobile payment service using benefit information for each merchant based on location-based information according to another embodiment of the present invention;
FIG. 3 is a diagram illustrating a process of performing a mobile payment using benefit information for each merchant based on location based information according to another embodiment of the present invention. FIG.

According to the present invention, when a merchant search is requested using a mobile communication terminal, after determining a location of the corresponding mobile communication terminal, the neighboring merchant information is provided, and when the mobile communication terminal provides payment information according to the merchant information, a payment means Providing benefit information for each payment method according to the affiliate information on the selected information, and providing at least one payment method to the mobile communication terminal through the provided payment information for each payment method, and selecting a corresponding payment method in the mobile communication terminal in advance If the request is made, the payment is performed accordingly, and then the actual payment is performed using the approval information, and the technical problems can be solved through such technical means.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions in the embodiments of the present invention, which may vary depending on the intention of the user, the intention or the custom of the operator. Therefore, the definition should be based on the contents throughout this specification.

Combinations of each block of the accompanying block diagram and each step of the flowchart may be performed by computer program instructions. These computer program instructions may be mounted on a processor of a general purpose computer, special purpose computer, or other programmable data processing equipment such that instructions executed through the processor of the computer or other programmable data processing equipment may not be included in each block or flowchart of the block diagram. It will create means for performing the functions described in each step. These computer program instructions may be stored in a computer usable or computer readable memory that can be directed to a computer or other programmable data processing equipment to implement functionality in a particular manner, and thus the computer usable or computer readable memory. It is also possible for the instructions stored in to produce an article of manufacture containing instruction means for performing the functions described in each block or flowchart of each step of the block diagram. Computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operating steps may be performed on the computer or other programmable data processing equipment to create a computer-implemented process to create a computer or other programmable data. Instructions that perform processing equipment may also provide steps for performing the functions described in each block of the block diagram and in each step of the flowchart.

In addition, each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s). It should also be noted that in some alternative embodiments, the functions mentioned in the blocks or steps may occur out of order. For example, the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.

First, when the terms used in the present invention are described, the prepayment corresponds to any one of the card information held by the user if the merchant information retrieved from the location of the terminal is provided before the card payment is performed in the actual store. The payment means previously requested to the POS system connected through wireless communication in order to receive the recommended discount information. That is, the prepayment means an act of requesting transmission of recommended discount information rather than performing any form of payment process.

In addition, before the payment is made in the actual store, the payment is performed by using the card information selected at the time of the prepayment request through the recommendation discount information provided to the user in the POS system connected through the wireless communication according to the prepayment request. It means the payment is performed in advance through.

In addition, the approval means the approval performed between the POS system and the card company server for the provisional payment performed in advance through wireless communication before performing the card payment in the actual store.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention;

FIG. 1 is a block diagram of a mobile communication terminal suitable for performing a mobile payment using benefit information for each merchant based on location-based information according to an embodiment of the present invention. The keypad 102, the memory unit 104, and the display unit are shown. 106, the controller 108, the RF unit 110, the audio unit 112, the payment virtual machine 114, the interface unit 116, and the USIM unit 118 may be included.

Referring to FIG. 1, the keypad 102 includes a plurality of numeric keys, and generates corresponding key data when the user presses a predetermined key and outputs the corresponding key data to the controller 108. The keypad 102 has a difference in character arrangement for each manufacturer and country, and instead of a physical keypad according to an input method, a keypad displayed in a touch screen format on the display unit 106 as needed in software mode. Also provided.

In addition, when the user inputs a key for requesting a merchant search, the keypad 102 generates key data corresponding thereto and provides the same to the controller 108, and then, in the payment method selection information displayed through the display unit 106. When a user inputs a key for requesting a prepayment, key data corresponding thereto is provided to the controller 108, and when a key for requesting a prepayment is input through the recommended discount information displayed through the display unit 106, the corresponding key data is provided. Provide key data to the control unit 108. Here, at least one payment method selection information may be provided including benefit information for each payment method (for example, card company name, card name, discount status, free status, event status, free gift status, etc.).

Thereafter, the keypad 102 controls the control unit 108 when the user inputs a key for requesting actual payment by inputting approval information (for example, approval PIN number, etc.) when the actual product is purchased. )

The display unit 106 displays various types of information of the mobile communication terminal 100 under the control of the controller 108, receives key data generated from the keypad 102, and various information signals of the controller 108. do. For example, a keypad, a text message, a multimedia message, a video, a still image, and the like, which are displayed in a touch screen format, may be displayed. For example, payment method selection information, recommendation discount information, and a song that are transmitted from the controller 108 may be displayed. Notification message, payment information message and the like may be displayed.

Next, the control unit 108 controls the overall operation of the mobile communication terminal 100 according to the operation program stored in the memory unit 104, which operation program (the basic operating system required for the operation of the mobile communication terminal 100) In addition to the operating system), the display unit 106 and the keypad 102 are connected to each other, and pre-programmed at the time of manufacture to manage input / output of data or to operate an internal application of the mobile communication terminal 100 and the like. Collectively, software and the like perform various service functions through an application program installed to drive various functions serviced using the mobile communication terminal 100.

In addition, the controller 108 performs various functions of the mobile payment service through the payment virtual machine 114 driven for mobile payment. When the key data for the merchant search is provided from the keypad 102, the payment virtual machine ( 114, and transmits the corresponding key data to the wireless access server (for example, WAP server, etc.) through the RF unit 110 by using the driven payment virtual machine 114 to request a merchant search, and location After determining the location of the mobile communication terminal 100 in association with the base service server (for example, a GPS service server), if the payment means information is requested from the wireless access server through the RF unit 110, the interface unit Through 116, a plurality of credit card information is extracted from the USIM unit 118, and a plurality of payment means information (for example, card company name, card name, etc.) corresponding thereto is transmitted to the wireless access server.

When the at least one payment means information of the plurality of payment means information is selected and received through the RF unit 110 through the wireless access server, the controller 108 displays the information through the display unit 106 and the keypad 102. If one of the at least one means of payment information is selected and key data requesting a prepayment is input, the prepayment is requested to the POS system. When a discount product name, a discount rate for each product, a free gift for each product, an event for each product, etc.) are provided, the display unit 106 displays the corresponding payment means information (eg, when key data for payment is input from the keypad 102). For example, the card company name, card name, etc.) is transmitted to the POS system through the RF unit 110, and if the approval is notified from the POS system, the corresponding approval Information (e.g., a card name, a product name, a personal identification number (PIN) number, a payment amount, etc.) is displayed on the display unit 106. Here, when requesting a prepayment, it is possible to request a prepayment with a preset payment card (ie, a representative card) instead of selecting from at least one payment card information. For example, a coupon service such as a discount coupon provided by a merchant may be provided together.

In addition, when the actual purchase of the product, if the approval PIN number and the key data requesting the actual mobile payment are input from the keypad 102, the controller 108 drives the payment virtual machine 114, and then the driven payment virtual machine ( 114), for example, request payment to the POS system while transmitting the corresponding approval information including the approval PIN number and the like, and accordingly payment information provided after the actual payment between the POS system and the card company server is performed. (For example, card company name, card name, payment authorization number, product name, payment amount, etc.) is received and displayed on the display unit 106.

Meanwhile, the RF unit 110 refers to a component that includes a high frequency processor, an intermediate frequency processor, a baseband processor, and the like, and transmits voice and various multimedia data from an external wireless communication network through an antenna ANT to a wireless communication band frequency. In the first process, and the intermediate frequency processing to lower it back to a low frequency band, and processes it as a signal of a frequency band that can be processed by the controller 108 again.

Next, the audio unit 112 modulates the voice signal input through the microphone MIC into a wireless signal under the control of the control unit 108, demodulates the received wireless signal, and sends it as a voice signal to the speaker SPK. do.

In addition, the payment virtual machine 114 is driven according to the control from the control unit 108 when requesting a merchant search for mobile payment, and performs communication between the wireless access server and the mobile communication terminal 100, for example. , To provide the control unit 108 with a function such as requesting a merchant search, identifying a terminal location, and providing payment method selection information, and performing communication between the POS system and the mobile communication terminal 100, for example, requesting a prepaid payment or payment. And provide functions such as actual payment to the controller 108.

The interface unit 116 interfaces data transmitted / received between the main body of the mobile communication terminal 100 and the USIM unit 118.

In addition, the USIM unit 118 stores, manages, and provides basic authentication information necessary for communication, including a user authentication module of the mobile communication terminal 100, and provides a plurality of credits for mobile payment service using the mobile communication terminal 100. The card information is provided. In addition, an additional memory and a computing device are included to store and manage an application other than a communication related application.

Therefore, using the location-based information to provide the information of the neighboring merchants, provide the benefit information for each payment method, and perform the provisional payment by using the payment method selected from the payment information for each payment method, the approval information that performed the payment In addition, by performing a mobile payment after the actual purchase of the product, it is possible to effectively perform a mobile payment using the neighboring merchant information based on the location of the mobile communication terminal.

Next, when the affiliate store search is requested using the mobile communication terminal having the above-described configuration, after determining the location of the mobile communication terminal, the neighboring store information is provided and the payment information according to the affiliate store information is provided by the mobile communication terminal. If provided, provides the payment information by payment method according to the affiliated information on the payment method, at least one payment method is selected and provided to the mobile communication terminal through the provided payment information for each payment method, the corresponding in the mobile communication terminal When a payment method is selected and a prepaid request is made, a mobile payment system for performing a prepaid payment and performing a real payment using the approval information will be described.

2 is a block diagram of a mobile payment system suitable for providing a mobile payment service using benefit information for each merchant based on location-based information, according to another embodiment of the present invention. 200, location based service server 202, POS system 204, service server 206, card company server 208, and the like.

Referring to FIG. 2, the USIM unit 118 of the mobile communication terminal 100 stores a plurality of credit card information. When the mobile communication terminal 100 requests a search for an affiliated store from a user, the control unit 108 stores the mobile information. By operating the payment virtual machine 114 for payment, and performing communication between the wireless access server 200 and the mobile communication terminal 100 through the driven payment virtual machine 114, for example, merchant search request, terminal It performs functions such as location, providing payment method selection information, and performs communication between the POS system 204 and the mobile communication terminal 100 through the driven payment virtual machine 114, for example, a pre-payment request, It performs functions such as billing and actual payment.

That is, when a request for a merchant search is requested, the payment virtual machine 114 is driven under the control of the controller 108 to request the affiliate access search from the wireless access server 200, and interworked with the location-based service server 202. After the location of the mobile communication terminal 100 is determined, when payment means information is requested from the wireless access server 200 through the RF unit 110, a plurality of USIM units 118 from the USIM unit 118 through the interface unit 116. Extract credit card information and transmit a plurality of payment means information (for example, card company name, card name, etc.) corresponding to the wireless access server 200.

In addition, when the payment virtual machine 114 receives at least one payment means information selected from among a plurality of payment means information through the wireless access server 200 under the control of the controller 108, This is displayed through the display unit 106 and the POS system 204 when a prepayment is requested through payment method selection information (for example, card company name, card name, discount status, free status, event status, free gift status, etc.). If a payment request is made in advance and recommended discount information (for example, a recommended discount product name, a discount rate for each product, whether a gift for each product or a gift for each product, etc.) is provided from the POS system 204, the display unit 106 displays it. When the key data for the payment is input from the keypad 102, the payment means information is transmitted to the POS system 204 through the RF unit 110, and if the approval is notified from the POS system 204,The approval information (for example, card name, product name, approval approval PIN number, payment amount, etc.) is displayed on the display unit 106. Here, when the prepayment is requested, the prepayment may be requested using a preset payment card (ie, a representative card) without selecting from at least one payment card information.

Subsequently, when the virtual machine 114 receives the approval information and the key data requesting the actual payment from the keypad 102 when the actual product is purchased under the control of the controller 108, the payment virtual machine 114 is controlled according to the control of the controller 108. The payment information is provided after the actual payment is performed between the POS system 204 and the card company server 208 while driving and transmitting corresponding approval information. Company name, card name, payment authorization number, product name, payment amount, etc.) is displayed on the display unit 106.

Next, the wireless access server 200 refers to, for example, a wireless application protocol (WAP) service server and the like, and provides a wireless connection environment for the mobile communication terminal 100, from the mobile communication terminal 100. When the affiliate store search is requested, requesting the location-based service server 202 to determine the location of the terminal, and after the terminal location is determined through the location-based service server 202 and the location information is provided, corresponding to the corresponding location information Request the merchant server information (for example, current location, distance to the current location, merchant location, affiliate store name, telephone number, etc.) from the service server 206.

In addition, when the affiliated store information corresponding to the location information is provided from the service server 206, the wireless access server 200 requests payment means information (for example, card company name, card name, etc.) from the mobile communication terminal 100. And receiving payment means information (i.e., a plurality of payment means information) from the mobile communication terminal 100, and participating information corresponding to such payment means information (e.g., merchant name for each card, merchant location, telephone number, etc.). ) To the POS system 204 and when affiliate information corresponding to the payment method information is received from the POS system 204, the payment information according to the affiliate information (for example, card company name, card name, discount) Whether or not, free or not, event status, free gifts, etc.) to the card company server 208, and when the benefit information for each payment method is received from the card company server 208, referring to the benefit information for each payment method, Standing at least selected one of the payment methods and then, the payment method selection information and transmits it to (for example, the card's mission, card name, discount, whether free or not, the event, whether giveaways whether such) a mobile communication terminal (100).

Here, the selection of at least one payment method refers to the payment information for each payment method, and selects a payment method that provides the highest benefit based on items such as discount, free or coupon, or the like. The method may be performed by simultaneously selecting a plurality of payment methods that satisfy a set criterion (eg, a discount rate of 30%, a free offer priority, a coupon present, etc.).

In addition, the location-based service server 202 refers to a server that provides a location service, such as a GPS service server, for example, when the location of the mobile communication terminal 100 is requested from the wireless access server 200. After determining the terminal location through the communication between the GPS satellites and the mobile communication terminal 100, the location information is provided to the wireless access server 200.

On the other hand, POS system 204 is a system for servicing mobile payments of merchants, and when affiliate information of merchants for payment means is requested from wireless access server 200, affiliated information corresponding to the payment means (for example, Extract the affiliate name, affiliate location, phone number, etc. for each card and provide it to the wireless access server 200. When a prepayment is requested from the mobile communication terminal 100, recommendation discount information provided by the affiliate store (for example, recommendation) Discount product name, discount rate for each product, free gift for each product, event for each product, etc.) and provide the same to the mobile communication terminal 100. Accordingly, when the payment means information is transmitted from the mobile communication terminal 100, the corresponding payment means information is provided to the card company. The server 208 requests the approval of the prepayment while transmitting to the server 208, and notifies the mobile communication terminal 100 when the approval is granted from the card company server 208. After that, after the approval information and payment means information is transmitted from the mobile communication terminal 100 and the mobile payment is requested, it is transmitted to the card company server 208. Here, when providing the recommended discount information to the mobile communication terminal 100 may provide a coupon service such as, for example, a discount coupon provided by the affiliated store.

Next, the service server 206 is a server for providing merchant information for providing a mobile payment service. If the merchant information corresponding to the location information of the mobile communication terminal 100 is requested from the wireless access server 200, the corresponding location is requested. Detects affiliate information (eg, current location, distance from current location, affiliate store location, affiliate store name, phone number, etc.) such as a list of affiliate stores located within a preset distance (for example, 1Km, 500m, etc.) Provided to the access server 200.

The card company server 208 is a server connected to the POS system 204 through a value added network (VAN) network to perform mobile payment using a credit card. If requested, extract the benefit information for various benefits (e.g., discount, free, event, free gift, etc.) for each payment method, and provide the benefit information for each payment method (e.g. card name, card name, Discount, free or not, event, free gifts, etc.) to the wireless access server 200, and if the approval of the payment method is requested from the POS system 204, the approval is approved to the payment method, The POS system 204 is notified of the approval, together with the personal information (e.g. card name, product name, approval PIN number, payment amount, etc.), and then the approval system information (for example, through the POS system 204). For example, approve PIN Etc.) and the payment method information is sent again, when the mobile payment is requested, the actual payment is performed with the payment method (for example, the card company, card name, payment authorization number, product name, payment amount, etc.) Is transmitted to the mobile communication terminal (100).

Therefore, using the location-based information to provide the information of the neighboring merchants, provide the benefit information for each payment method, and perform the provisional payment by using the payment method selected from the payment information for each payment method, the approval information that performed the payment In addition, by performing a mobile payment after the actual purchase of the product, it is possible to effectively perform a mobile payment using the neighboring merchant information based on the location of the mobile communication terminal.

Next, when the affiliated store search is requested in the mobile payment system as described above, after determining the location of the corresponding mobile communication terminal, providing the surrounding affiliated store information, and providing the payment information according to the affiliated store information in the mobile communication terminal, Providing benefit information for each payment method according to the affiliate information on the means, selecting at least one payment method through the provided payment information for the payment method and providing the same to the mobile terminal, and selecting the corresponding payment method from the mobile communication terminal. When the prepayment is requested, the process of performing the prepaid accordingly and then performing the actual payment using the approval information will be described.

FIG. 3 is a diagram illustrating a process of performing a mobile payment using benefit information for each merchant based on location-based information according to another embodiment of the present invention.

Referring to FIG. 3, when a search for an affiliate store is requested based on a location, the mobile communication terminal 100 searches for an affiliate store in the wireless access server 200 using the payment virtual machine 114 driven under the control of the controller 108. Request (S302).

When the affiliate store search is requested from the mobile communication terminal 100, the wireless access server 200 requests the location-based service server 202 to determine the location of the terminal (S304).

Accordingly, when the location-based service server 202 is requested to determine the location of the mobile communication terminal 100 from the wireless access server 200, after determining the location of the terminal through communication between the GPS satellites and the mobile communication terminal 100. In operation S 306, the wireless terminal server 200 provides the determined location information of the corresponding mobile communication terminal 100 to the wireless access server 200.

Next, when the location information of the mobile communication terminal 100 is provided from the location based service server 202, the wireless access server 200 requests the affiliate server information corresponding to the location information from the service server 206 (S310). ), The service server 206 includes affiliated store information (for example, current location and current location) such as a list of affiliated stores located within a predetermined distance (for example, 1Km, 500m, etc.) from the corresponding location of the mobile communication terminal 100. Distance, affiliate store location, affiliate store name, phone number, etc.) is detected and provided to the wireless access server 200 (S312).

In addition, when affiliated store information corresponding to the location information is provided from the service server 206, the wireless access server 200 requests payment means information from the mobile communication terminal 100 (S314). A plurality of payment means information (for example, card company name, card name, etc.) corresponding to a plurality of credit cards is extracted from the USIM unit 118 through the driven payment virtual machine 114, and the wireless access server 200 is extracted. Transfer to (S316). Here, the merchant information provided from the service server 206 may be provided to the mobile communication terminal 100.

Meanwhile, the wireless access server 200 requests affiliated information corresponding to a plurality of payment means information transmitted from the mobile communication terminal 100 to the POS system 204 (S318), and the POS system 204 provides the corresponding payment means. Affiliation information (eg, affiliated store name, affiliated store location, phone number, etc.) corresponding to the extracted information is provided to the wireless access server 200 (S320).

In addition, the wireless access server 200 requests the card company server 208 for benefit information for each payment method according to the affiliate information provided from the POS system 204 (S322), and the card company server 208 provides various benefits for each payment method. (E.g., discount, free, event, free gift, etc.) and extracts the benefit information for each payment method (e.g. card name, card name, discount, free or event) , Whether or not a free gift) to the wireless access server 200 (S324).

Accordingly, the wireless access server 200 selects at least one payment method from the payment method information with reference to the payment information for each payment method (S326), and the corresponding payment method selection information (for example, card company name, card name, Discount, free, event, free gifts, etc.) is provided to the mobile communication terminal 100 (S328).

Here, the wireless access server 200 selects a payment method that provides the highest benefit based on items such as discounts, free, coupons, events, free gifts or the like with reference to the benefit information. The method may be performed by simultaneously selecting a plurality of payment methods satisfying a predetermined criterion (for example, a discount rate of 30%, free offer priority, coupon present, gift present, event present, etc.).

Meanwhile, in the mobile communication terminal 100, when at least one payment means selection information selected from the wireless access server 200 is received through the RF unit 110, the mobile communication terminal 100 displays the selected payment means through the display unit 106 and drives the payment virtual machine. If any one of the at least one payment method information is selected through the 114 and the key data for requesting the upfront payment is input, the POS system 204 requests the upfront payment (S330). Here, when the prepayment is requested, the prepayment may be requested using a preset payment card (ie, a representative card) without selecting from at least one payment card information.

Next, in the POS system 204, the recommendation discount information (for example, a recommendation discount product name, a discount rate for each product, whether or not a gift for each product, an event for each product, etc.) provided at the merchant in response to a prepayment request from the mobile communication terminal 100. Extract it and provide it to the mobile communication terminal 100 (S332).

On the other hand, the mobile communication terminal 100 displays the recommended discount information from the POS system 204, and displays it through the display unit 106, and when the payment is requested through the driven payment virtual machine 114, the corresponding payment means. Information (for example, card company name, card name, etc.) is transmitted to the POS system 204 through the RF unit 110 (S334).

In addition, when the payment method information is provided from the mobile communication terminal 100, the POS system 204 requests the approval of the corresponding payment to the card company server 208 together with the payment method information (S336). When the approval of the provisional payment is notified from 208, the approval information (for example, card name, product name, approval PIN number, payment amount, etc.) is transmitted to the mobile communication terminal 100 to approve the approval. Notify (S338). Accordingly, the mobile communication terminal 100 may display the approval information on the display unit 106 through the driven payment virtual machine 114.

Subsequently, when the actual product is purchased, the mobile communication terminal 100 receives the approval information (for example, the approval PIN number, etc.) and the key data requesting the actual payment from the keypad 102. Requesting mobile payment while transmitting the approval information to the POS system 204 through the payment virtual machine 114 driven by the control (S340), accordingly, the actual between the POS system 204 and the card company server 208 Payment is performed (S342). After the actual payment is performed, corresponding payment information (for example, card company, card name, payment approval number, product name, payment amount, etc.) may be transmitted to the mobile communication terminal 100 and displayed.

Therefore, using the location-based information to provide the information of the neighboring merchants, provide the benefit information for each payment method, and perform the provisional payment by using the payment method selected from the payment information for each payment method, the approval information that performed the payment In addition, by performing a mobile payment after the actual purchase of the product, it is possible to effectively perform a mobile payment using the neighboring merchant information based on the location of the mobile communication terminal.

In the foregoing description, various embodiments of the present invention have been described and described. However, the present invention is not necessarily limited thereto, and a person having ordinary skill in the art to which the present invention pertains can make various changes without departing from the technical spirit of the present invention. It will be readily appreciated that branch substitutions, modifications and variations are possible.

100: mobile communication terminal 102: keypad
104: memory section 106: display section
108: control unit 110: RF unit
112: audio unit 114: payment virtual machine
116: interface unit 118: USIM unit
200: wireless access server 202: location-based service server
204: POS system 206: service server
208: card company server

Claims (18)

A USIM unit that stores a plurality of credit card information;
Request a search for a merchant corresponding to the current location while the payment virtual machine is running, and wirelessly store at least one payment method information in consideration of the payment information for each payment method corresponding to the plurality of credit card information based on the found merchant. A control unit for performing prepayment by requesting a prepayment to the POS system together with the selected payment method information received from the access server;
Receiving the at least one payment means information from the wireless access server, including a RF unit for requesting the prepayment to the POS system
Mobile communication terminal. The method of claim 1,
The control unit is configured to receive and store approval information including a personal identification number (PIN) number from the POS system after performing the provisional payment.
Mobile communication terminal. The method of claim 2,
The control unit transmits any one of the payment means information and the approved PIN number to the POS system according to the input of the approved PIN number while driving the payment virtual machine to request actual mobile payment.
Mobile communication terminal. The method according to any one of claims 1 to 3,
The control unit controls to receive and display recommendation discount information from the POS system when the prepayment is requested.
Mobile communication terminal. The method of claim 4, wherein
The payment information for each payment method includes at least one of a discount on a card name, whether free or not, an event, and a free gift.
Mobile communication terminal. The method of claim 4, wherein
The recommendation discount information may include at least one of a recommendation discount product name, a discount rate for each product, a free gift for each product, and an event for each product.
Mobile communication terminal. Requesting a search for an affiliate store corresponding to the current location while running the payment virtual machine;
Receiving at least one payment means information from a wireless access server in consideration of benefit information for each payment means corresponding to a plurality of credit card information based on the found merchant;
Requesting a prepayment to a POS system together with any one of the payment means information selected from the received at least one payment means information to perform a provisional payment;
Mobile payment method using a mobile communication terminal. The method of claim 7, wherein
The mobile payment method,
And after receiving the approval information from the POS system, receiving and storing approval information including a personal identification number (PIN) number.
Mobile payment method using a mobile communication terminal. The method of claim 8,
The mobile payment method,
The mobile terminal transmits any one of the payment means information and the approved PIN number to the POS system according to the input of the approved PIN number.
Mobile payment method using a mobile communication terminal. The method according to any one of claims 7 to 9,
The performing of the payment may include receiving and displaying recommended discount information from the POS system when the prepayment is requested.
Mobile payment method using a mobile communication terminal. The method of claim 10,
The payment information for each payment method includes at least one of a discount on a card name, whether free or not, an event, and a free gift.
Mobile payment method using a mobile communication terminal. The method of claim 10,
The recommendation discount information may include at least one of a recommendation discount product name, a discount rate for each product, a free gift for each product, and an event for each product.
Mobile payment method using a mobile communication terminal. A location-based service server that locates a mobile communication terminal and provides location information;
When a search for an affiliated store from the mobile communication terminal is requested, requesting and receiving affiliated store information corresponding to the provided location information to a service server, and receiving a plurality of payment means information and the received affiliated store information provided from the mobile communication terminal. Requesting and receiving benefit information for each payment method to a card company server, selecting at least one payment method information from the plurality of payment means information according to a preset criterion for the payment information for each payment method, and providing the same to the mobile terminal; With wireless connection server to say,
When the prepayment is requested from the mobile communication terminal, and includes a POS system for performing the payment in conjunction with the card company server;
Mobile payment system. The method of claim 13,
The POS system provides recommendation discount information to the mobile communication terminal when the prepayment is requested.
Mobile payment system. The method of claim 14,
The POS system provides the mobile communication terminal with approval information including a personal identification number (PIN) number after the provisional payment is performed.
Mobile payment system. The method of claim 15,
The POS system, when the mobile payment is requested together with the transmission of the approval PIN number from the mobile communication terminal, performs the actual mobile payment for the provisional payment;
Mobile payment system. The method according to any one of claims 14 to 16,
The payment information for each payment method includes at least one of a discount on a card name, whether free or not, an event, and a free gift.
Mobile payment system. The method according to any one of claims 14 to 16,
The recommendation discount information may include at least one of a recommendation discount product name, a discount rate for each product, a free gift for each product, and an event for each product.
Mobile payment system.

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