KR20140079675A - Mobile terminal and method for controlling of the same - Google Patents

Mobile terminal and method for controlling of the same Download PDF

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Publication number
KR20140079675A
KR20140079675A KR1020120148993A KR20120148993A KR20140079675A KR 20140079675 A KR20140079675 A KR 20140079675A KR 1020120148993 A KR1020120148993 A KR 1020120148993A KR 20120148993 A KR20120148993 A KR 20120148993A KR 20140079675 A KR20140079675 A KR 20140079675A
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South Korea
Prior art keywords
virtual account
balance
settlement
payment
external server
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KR1020120148993A
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Korean (ko)
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최현미
조경민
김영남
전윤주
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엘지전자 주식회사
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Priority to KR1020120148993A priority Critical patent/KR20140079675A/en
Publication of KR20140079675A publication Critical patent/KR20140079675A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
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  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
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Abstract

A control method for a mobile terminal and a mobile terminal is disclosed. The mobile terminal according to an exemplary embodiment of the present invention receives and stores balance information of a virtual account from an external server that manages a virtual account through a wireless communication unit and, when receiving an input for requesting payment using a part of the balance of the virtual account, When the amount of money is compared with the balance of the virtual account and the settlement amount is equal to or less than the balance of the virtual account, payment can be requested to the external server and the settlement result according to the settlement request can be displayed.

Description

TECHNICAL FIELD [0001] The present invention relates to a mobile terminal and a control method of the mobile terminal,

The present invention relates to a mobile terminal capable of using cash deposited in a virtual account as cash of a mobile wallet and a control method of the mobile terminal.

In recent years, various services such as DMB watching and mobile banking are provided through mobile terminals by using additional functions such as data communication, camera shooting, moving image playback, etc., as well as voice calls of mobile terminals.

In particular, mobile payment has become frequent with the generalization of mobile terminals, and the concept of embedding a mobile card corresponding to a physical credit card into a mobile terminal has been introduced.

However, conventionally, there is not provided a service that provides a function of using a cash using a mobile terminal, such as carrying cash in a purse.

The present invention relates to a mobile terminal that performs mobile settlement by comparing balance information of a virtual account for managing cash of a mobile wallet transmitted from an external server with a settlement amount, and a control method of the mobile terminal.

According to an aspect of the present invention, there is provided a mobile terminal for receiving and storing balance information of a virtual account from a wireless communication unit and an external server for managing a virtual account through a wireless communication unit, The settlement amount is compared with the balance of the virtual account, and when the settlement amount is equal to or less than the balance of the virtual account, the payment is requested to the external server and the settlement result according to the settlement request is displayed And a control unit.

Here, the virtual account may include a virtual account that manages cash withdrawn from the at least one bank account or cash transferred from the mobile wallet.

The control unit can display a result that the balance of the virtual account is insufficient when the payment amount exceeds the balance of the virtual account.

The control unit requests settlement and balance information of the virtual account to the external server when the input for requesting settlement is received, compares the balance information of the virtual account transferred from the external server with the balance information of the stored virtual account, If it is different, the user can request payment canceling to the external server and display the contents of the payment error as the payment result according to the payment request.

When the balance of the virtual account is changed, the control unit can receive and store the changed balance information of the virtual account from the external server.

When performing settlement using part of the balance of the virtual account, the control unit can request input of a pin code according to the set security level and the settlement amount.

According to another aspect of the present invention, there is provided a method of controlling a mobile terminal, the method comprising: receiving and storing balance information of the virtual account from an external server managing a virtual account; Comparing the settlement amount with the balance of the virtual account when the payment is received, and requesting payment to the external server and displaying the settlement result when the payment amount is less than or equal to the balance of the virtual account .

When the settlement amount is less than or equal to the balance of the virtual account, the step of requesting payment to the external server and displaying the settlement result includes the steps of: requesting payment to the external server and balance information of the virtual account; Comparing the balance information of the stored virtual accounts with each other, comparing the balance information of the stored virtual accounts with each other, and if the comparison result is the same, performing connection with the external server to display the balance information after payment of the virtual account as a payment result according to the payment request, Requesting the server to cancel the payment, and displaying the content of the payment error as a payment result in response to the payment request.

The details of other embodiments are included in the detailed description and drawings.

The control method of the mobile terminal and the mobile terminal according to the present invention has the following effects.

According to the embodiment of the present invention, since the balance deposited in the mobile wallet, that is, the virtual account, can be used as cash, it is possible to enjoy the benefit of using cash even when only the mobile terminal is carried.

In addition, according to the embodiment of the present invention, when the mobile terminal is lost, it is possible to request the suspension of the balance of the virtual account, unlike the case where the real cash is lost.

According to an embodiment of the present invention, a balance of a virtual account stored in a mobile terminal and a balance of a virtual account transmitted from an external server at the time of settlement are compared with each other to check a problem situation such as malfunction or hacking of a mobile wallet program installed in the mobile terminal And authentication is performed when payment is made to an external server, so that security can be enhanced.

1 is a block diagram of a mobile terminal according to an embodiment of the present invention.
2 is a flowchart of a method of controlling a mobile terminal according to an embodiment of the present invention.
FIG. 3 is a flow chart for requesting payment to an external server of a mobile terminal according to an embodiment of the present invention and displaying a payment result.
4 to 7 are diagrams for explaining a control method of a mobile terminal according to an embodiment of the present invention.

The above objects, features and advantages of the present invention will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. It is to be understood, however, that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and similarities. Like reference numerals designate like elements throughout the specification. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. In addition, numerals (e.g., first, second, etc.) used in the description of the present invention are merely an identifier for distinguishing one component from another.

Hereinafter, a mobile terminal according to the present invention will be described in detail with reference to the drawings. The suffix "module" and "part" for components used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role.

The mobile terminal described in this specification may include a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player), and navigation.

However, it will be understood by those skilled in the art that the configuration according to the embodiments described herein may be applied to a fixed terminal such as a digital TV, a desktop computer, and the like, unless the configuration is applicable only to a mobile terminal.

1 is a block diagram of a mobile terminal according to an embodiment of the present invention.

The mobile terminal 100 includes a wireless communication unit 110, an audio / video input unit 120, a user input unit 130, a sensing unit 140, an output unit 150, a memory unit 160, An interface unit 170, a control unit 180, a power supply unit 190, and the like. The components shown in Fig. 1 are not essential, and a mobile terminal having more or fewer components may be implemented.

Hereinafter, the components will be described in order.

The wireless communication unit 110 may include one or more modules for enabling wireless communication between the mobile terminal 100 and the wireless communication system or between the mobile terminal 100 and the network in which the mobile terminal 100 is located. For example, the wireless communication unit 110 may include a broadcast receiving module 111, a mobile communication module 112, a wireless Internet module 113, a short range communication module 114, and a location information module 115 .

The broadcast receiving module 111 receives broadcast signals and / or broadcast-related information from an external broadcast management server through a broadcast channel.

The broadcast channel may include a satellite channel and a terrestrial channel. The broadcast management server may refer to a server for generating and transmitting broadcast signals and / or broadcast related information, or a server for receiving broadcast signals and / or broadcast related information generated by the broadcast management server and transmitting the generated broadcast signals and / or broadcast related information. The broadcast signal may include a TV broadcast signal, a radio broadcast signal, a data broadcast signal, and a broadcast signal in which a data broadcast signal is combined with a TV broadcast signal or a radio broadcast signal.

The broadcast-related information may refer to a broadcast channel, a broadcast program, or information related to a broadcast service provider. The broadcast-related information may also be provided through a mobile communication network. In this case, it may be received by the mobile communication module 112.

The broadcast-related information may exist in various forms. For example, an EPG (Electronic Program Guide) of a DMB (Digital Multimedia Broadcasting) or an ESG (Electronic Service Guide) of a DVBH (Digital Video BroadcastHandheld).

The broadcast receiving module 111 receives broadcast signals using various broadcasting systems. In particular, the broadcast receiving module 111 may be a digital multimedia broadcasting broadcasting (DMBT), a digital multimedia broadcasting satellite (DMBS), a media forward link only (MediaFLO), a digital video broadcasting ), And ISDBT (Integrated Services Digital Broadcast Terrestrial). Of course, the broadcast receiving module 111 may be adapted to other broadcasting systems that provide broadcast signals as well as the digital broadcasting system described above.

The broadcast signal and / or broadcast related information received through the broadcast receiving module 111 may be stored in the memory unit 160.

The mobile communication module 112 transmits and receives radio signals to at least one of a base station, an external terminal, and a server on a mobile communication network. The wireless signal may include various types of data depending on a voice call signal, a video call signal or a text / multimedia message transmission / reception.

The wireless Internet module 113 refers to a module for wireless Internet access, and the wireless Internet module 113 can be embedded in the mobile terminal 100 or externally. WLAN (WiFi), Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access) and the like can be used as wireless Internet technologies.

The short-range communication module 114 refers to a module for short-range communication. Bluetooth, radio frequency identification (RFID), infrared data association (IrDA), ultra wideband (UWB), ZigBee, and the like can be used as the short distance communication technology.

The location information module 115 is a module for confirming or obtaining the location of the mobile terminal. A typical example of the location information module is a GPS (Global Position System) module. According to the current technology, the GPS module 115 calculates information on a distance (distance) from three or more satellites to one point (entity), information on the time when the distance information is measured, , Three-dimensional position information according to latitude, longitude, and altitude of one point (individual) in one hour can be calculated. Further, a method of calculating position and time information using three satellites and correcting the error of the calculated position and time information using another satellite is also used. The GPS module 115 continues to calculate the current position in real time and uses it to calculate speed information.

Referring to FIG. 1, an A / V (Audio / Video) input unit 120 is for inputting an audio signal or a video signal, and may include a camera 121 and a microphone 122. The camera 121 processes image frames such as still images or moving images obtained by the image sensor in the video communication mode or the photographing mode. The processed image frame can be displayed on the display module 151. [

The image frame processed by the camera 121 may be stored in the memory unit 160 or may be transmitted to the outside through the wireless communication unit 110. [ The camera 121 may be equipped with two or more cameras according to the configuration of the terminal.

The microphone 122 receives an external sound signal through a microphone in a communication mode, a recording mode, a voice recognition mode, or the like, and processes it as electrical voice data. The processed voice data can be converted into a form that can be transmitted to the mobile communication base station through the mobile communication module 112 when the voice data is in the call mode, and output. Various noise reduction algorithms may be implemented in the microphone 122 to remove noise generated in receiving an external sound signal.

The user input unit 130 generates input data for a user to control the operation of the terminal. The user input unit 130 may include a key pad dome switch, a touch pad (static / static), a jog wheel, a jog switch, and the like.

The sensing unit 140 senses the current state of the mobile terminal 100 such as the open / close state of the mobile terminal 100, the position of the mobile terminal 100, the presence or absence of user contact, the orientation of the mobile terminal, And generates a sensing signal for controlling the operation of the mobile terminal 100. For example, when the mobile terminal 100 is in the form of a slide phone, it is possible to sense whether the slide phone is opened or closed. In addition, it may be responsible for a sensing function related to whether the power supply unit 190 is powered on, whether the interface unit 170 is connected to an external device, and the like. Meanwhile, the sensing unit 140 may include an orientation sensor 141 and / or a proximity sensor.

The output unit 150 is for generating output related to visual, auditory or tactile sense and includes a display module 151, an acoustic output module 152, an alarm unit 153, and a haptic module 154 .

The display module 151 displays and outputs information processed by the mobile terminal 100. For example, when the mobile terminal is in the call mode, a UI (User Interface) or a GUI (Graphic User Interface) associated with a call is displayed. When the mobile terminal 100 is in the video communication mode or the photographing mode, the photographed and / or received video or UI and GUI are displayed.

The display module 151 may be a liquid crystal display, a thin film transistor liquid crystal display, an organic light emitting diode, a flexible display, a 3D display And may include at least one.

Some of these displays may be transparent or light transmissive so that they can be seen through. This may be referred to as a transparent display. A typical example of the transparent display is a transparent LCD or the like. The rear structure of the display module 151 may also be of a light transmission type. With this structure, the user can see an object located behind the terminal body through the area occupied by the display module 151 of the terminal body.

There may be two or more display modules 151 according to the embodiment of the mobile terminal 100. For example, in the mobile terminal 100, a plurality of display modules may be spaced apart or integrally arranged on one surface, and may be disposed on different surfaces, respectively.

In a case where the display module 151 and the sensor for sensing the touch operation (hereinafter, referred to as 'touch sensor') have a mutual layer structure (hereinafter referred to as 'touch screen' It can also be used as an input device. The touch sensor may have the form of, for example, a touch film, a touch sheet, a touch pad, or the like.

The touch sensor may be configured to convert a change in a pressure applied to a specific portion of the display module 151 or a capacitance generated in a specific portion of the display module 151 into an electrical input signal. The touch sensor can be configured to detect not only the position and area to be touched but also the pressure at the time of touch.

If there is a touch input to the touch sensor, the corresponding signal (s) is sent to the touch controller. The touch controller processes the signal (s) and transmits the corresponding data to the controller 180. Thus, the control unit 180 can know which area of the display module 151 is touched or the like.

Referring to FIG. 1, a proximity sensor may be disposed in an inner region of the mobile terminal or in the vicinity of the touch screen, which is enclosed by the touch screen. The proximity sensor refers to a sensor that detects the presence or absence of an object approaching a predetermined detection surface or a nearby object without mechanical contact using the force of an electromagnetic field or infrared rays. The proximity sensor has a longer life span than the contact sensor and its utilization is also high.

Examples of the proximity sensor include a transmission type photoelectric sensor, a direct reflection type photoelectric sensor, a mirror reflection type photoelectric sensor, a high frequency oscillation type proximity sensor, a capacitive proximity sensor, a magnetic proximity sensor, and an infrared proximity sensor.

And to detect the proximity of the pointer by the change of the electric field along the proximity of the pointer when the touch screen is electrostatic. In this case, the touch screen (touch sensor) may be classified as a proximity sensor.

Hereinafter, for convenience of explanation, the act of recognizing that the pointer is positioned on the touch screen while the pointer is not in contact with the touch screen is referred to as "proximity touch & The act of actually touching the pointer on the screen is called "contact touch. &Quot; The position where the pointer is proximately touched on the touch screen means a position where the pointer is vertically corresponding to the touch screen when the pointer is touched.

The proximity sensor detects a proximity touch and a proximity touch pattern (e.g., a proximity touch distance, a proximity touch direction, a proximity touch speed, a proximity touch time, a proximity touch position, a proximity touch movement state, and the like). Information corresponding to the detected proximity touch operation and the proximity touch pattern may be output on the touch screen.

The audio output module 152 may output audio data received from the wireless communication unit 110 or stored in the memory unit 160 in a call signal reception mode, a call mode or a recording mode, a voice recognition mode, a broadcast reception mode, The sound output module 152 outputs an acoustic signal related to a function (e.g., a call signal reception sound, a message reception sound, etc.) performed in the mobile terminal 100. The audio output module 152 may include a receiver, a speaker, a buzzer, and the like.

The alarm unit 153 outputs a signal for notifying the occurrence of an event of the mobile terminal 100. Examples of events that occur in the mobile terminal include call signal reception, message reception, key signal input, touch input, and the like. The alarm unit 153 may output a signal for notifying the occurrence of an event in a form other than the video signal or the audio signal, for example, vibration. The video signal or audio signal may also be output through the display module 151 or the audio output module 152.

The haptic module 154 generates various tactile effects that the user can feel. A typical example of the haptic effect generated by the haptic module 154 is vibration. The intensity and pattern of the vibration generated by the hit module 154 can be controlled. For example, different vibrations may be synthesized and output or sequentially output.

In addition to the vibration, the haptic module 154 may be configured to perform various functions such as an effect of stimulation by a pin arrangement vertically moving with respect to a contact skin surface, an effect of stimulation by air spraying force or suction force through a jet opening or a suction opening, A variety of tactile effects such as an effect of stimulation through contact of an electrode, an effect of stimulation by an electrostatic force, and an effect of reproducing a cold sensation using a heat absorbing or exothermic element can be generated.

The haptic module 154 can be implemented not only to transmit the tactile effect through the direct contact but also to feel the tactile effect through the muscles of the user's finger or arm. At least two haptic modules 154 may be provided according to the configuration of the mobile terminal 100.

The memory unit 160 may store a program for the operation of the controller 180 and temporarily store input / output data (e.g., a phone book, a message, a still image, a moving picture, etc.). The memory unit 160 may store data related to vibration and sound of various patterns outputted when a touch is input on the touch screen.

The memory unit 160 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or XD memory) At least one of a random access memory (RAM), a static random access memory (SRAM), a read only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read- Lt; / RTI > type of storage medium. The mobile terminal 100 may operate in association with a web storage that performs a storage function of the memory unit 160 on the Internet.

The interface unit 170 serves as a path for communication with all external devices connected to the mobile terminal 100. The interface unit 170 receives data from an external device or receives power from the external device to transfer the data to each component in the mobile terminal 100 or to transmit data in the mobile terminal 100 to an external device. For example, a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, a port for connecting a device having an identification module, an audio I / O port, A video input / output (I / O) port, an earphone port, and the like may be included in the interface unit 170.

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

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

The control unit 180 typically controls the overall operation of the mobile terminal. For example, voice communication, data communication, video communication, and the like. The control unit 180 may include a multimedia module 181 for multimedia playback. The multimedia module 181 may be implemented in the control unit 180 or may be implemented separately from the control unit 180. [

The controller 180 may perform a pattern recognition process for recognizing handwriting input or drawing input performed on the touch screen as characters and images, respectively.

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power necessary for operation of the respective components.

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

According to a hardware implementation, the embodiments described herein may be implemented as application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays May be implemented using at least one of processors, controllers, microcontrollers, microprocessors, and electrical units for performing functions. In some cases such embodiments may be implemented using a controller 180 < / RTI >

According to a software implementation, embodiments such as procedures or functions may be implemented with separate software modules that perform at least one function or operation. The software code may be implemented by a software application written in a suitable programming language. Also, the software codes may be stored in the memory unit 160 and executed by the control unit 180. [

Hereinafter, embodiments of the present invention will be described.

FIG. 2 is a flowchart illustrating a method of controlling a mobile terminal according to an exemplary embodiment of the present invention. FIG. 3 is a flowchart illustrating a method of requesting payment to an external server of a mobile terminal according to an exemplary embodiment of the present invention, 4 to 7 are diagrams for explaining a control method of a mobile terminal according to an embodiment of the present invention. The control method may be implemented under the control of the control unit 180 of the mobile terminal 100 illustrated in FIG.

Referring to FIG. 2, the controller 180 of the mobile terminal 100 receives the balance information of the virtual account from the external server and stores the balance information (S110).

Here, the external server means a bank server, a communication company server, or a server operated by another operator, and the virtual account means a virtual account for managing the cash of the mobile wallet.

If the external server is a bank server, the virtual account can be managed separately from at least one bank account, and the virtual account managed by the external server can be withdrawn from at least one bank account, Means a virtual account managed by cash.

A virtual account is a concept distinguished from a general bank account and means a virtual account for managing the cash of the mobile wallet. The server managing the virtual account may be a bank server, or a server operated by a communication company server or other operator.

That is, the cash withdrawn from at least one bank account can be used as cash in the mobile wallet of the mobile terminal by depositing or remitting cash in advance in the virtual account.

Accordingly, in the case of processing a settlement using a balance of a virtual account, it means processing a settlement using cash in the mobile wallet. Therefore, a process of processing a settlement using a general bank account may involve an authentication process or a payment approval process It is different.

When the balance of the virtual account managed by the external server is changed, the external server transmits the changed balance information to the controller 180, and the controller 180 stores the balance information of the received virtual account as the cash amount of the mobile wallet .

The control unit 180 receives an input requesting settlement using a part of the balance of the virtual account (S120).

The input for requesting settlement using a part of the balance of the virtual account is processed as an input for requesting settlement using the cash of the mobile wallet, and a password such as a pin code (Pin_Code) is inputted according to the security level and the balance amount, It is possible to process the payment immediately without going through the process.

In other words, when the control unit 180 receives an input for requesting settlement using a part of the balance of the virtual account, that is, when a payment is requested using cash of the mobile wallet, The settlement can be handled in an easy way, and the cash of the mobile wallet (the balance of the virtual account) can be managed by being subtracted from the used balance.

Therefore, in case of using a mobile wallet cash and paying a small amount of money which does not require pin code input, there is no need to go through a separate authentication procedure, and there is no need to carry out communication for payment approval with the bank server It has a simple and convenient effect.

The control unit 180 can set the environment setting of the mobile terminal 100 to use a part of the remaining balance of the virtual account to make a payment, and the setting method will be described in detail in the description of FIG.

Referring to FIG. 4, the controller 180 determines whether or not to use a part of the remaining balance of the virtual account in the environment setting, that is, a cash service (hereinafter, used to mean 'settlement using the mobile wallet's cash') And if the cash service is set up, it is possible to apply the cash service more preferentially than other payment methods.

The control unit 180 may be configured to preferentially apply the cash service before performing the payment or to apply the cash service preferentially while performing the payment.

In addition, when the cash service is set to be preferentially applied, the control unit 180 can set a different security level according to the amount of the cash service, and can request a pin code input according to the security level.

For example, the controller 180 may set a security level to request a pin code input when paying a money amount of 10,000 or more.

When making a payment using the balance of the virtual account, the control unit 180 compares the payment amount with the balance of the virtual account (S130). If the payment amount exceeds the balance of the virtual account (No), the control unit 180 may display on the touch screen a result indicating that the settlement can not be successfully processed because the balance of the virtual account is insufficient.

If the payment amount is equal to or less than the balance of the virtual account (Yes), the control unit 180 may request payment to the external server and display the payment approval result on the touch screen (S140).

3 is a security method for preventing a case in which the balance information of the virtual account stored in the mobile terminal is hacked when the mobile terminal requests settlement to the external server and displays the settlement result.

Referring to FIG. 3, when an input for requesting settlement is received using a part of the balance of the virtual account, the controller 180 requests settlement and balance information of the virtual account to the external server (S141).

The control unit 180 newly requests the balance information of the virtual account when the payment is requested, and compares the balance information of the stored virtual account with the balance information of the newly transmitted virtual account (S142). The control unit 180 may determine whether the corresponding program stored in the mobile terminal 100 is hacked by comparing the balance information of the newly transferred virtual account with the balance information of the stored virtual account.

That is, when the balance information of the virtual account is changed from the external server, the controller 180 receives the balance information and stores the balance information in the mobile terminal 100, so that the controller 180 of the mobile terminal 100 However, if the balance information of the virtual account stored in the mobile terminal 100 is changed due to the hacking of the mobile terminal 100, the security information may be a problem.

For example, in the external server, the balance information of the virtual account is changed to 50,000 won to transmit the balance information changed to the mobile terminal 100, 50,000 won, and the mobile terminal 100 stores the balance information of the virtual account at 50,000 won . When the balance information of the virtual account managed by the external server is not changed but the balance information of the virtual account stored in the mobile terminal 100 is changed to 100,000 KRW and the mobile terminal 100 is hacked and stored, The control unit 180 judges that the balance information of the virtual account is 100,000 won. Therefore, in order to prevent this from occurring, the balance information of the virtual account is once again requested to the external server at the time of settlement, and balance information of the virtual account stored in the mobile terminal 100 So that the mobile terminal 100 can verify whether or not the mobile terminal 100 has been hacked.

If the balance information of the virtual account transmitted from the external server matches the balance information of the virtual account stored in the external server (for example), the control unit 180 accesses the external server to perform settlement, and transmits balance information after settlement of the virtual account (S143).

When the controller 180 connects to the external server and performs settlement, the controller 180 can request a PinCode input according to the set security level and the settlement amount.

For example, the security level can be set to upper, middle, and lower. If the security level is 'up', the user can always request the PIN code regardless of the amount of payment. If the security level is 'middle' PIN code input can be requested only when the security level is " low ", and pin code can be set not to be always input regardless of the payment amount.

If the balance information of the virtual account transmitted from the external server does not match the balance information of the virtual account (No) transmitted from the external server, the control unit 180 requests payment cancel to the external server and displays the content of the payment error on the touch screen (S144).

At this time, the content of the settlement error displayed on the touch screen by the control unit 180 may display a message such as a virtual account (or mobile wallet) program error of the mobile terminal 100, a discrepancy with the virtual account balance of the external server, and the like.

5 to 7 illustrate an embodiment in which a mobile terminal 100 accesses a POS (point of sale) terminal and requests payment.

Referring to FIG. 5, the controller 180 displays the balance of the virtual account transmitted from the external server on the touch screen, and requests payment of settlement amount by accessing a POS (point of sale) terminal.

The POS terminal transmits the settlement amount to the mobile terminal 100. The control unit 180 of the mobile terminal 100 compares the balance of the virtual account displayed on the touch screen with the settlement amount and if the balance of the virtual account is less than the settlement amount , The POS terminal transmits a settlement unauthorized determination to the mobile terminal 100, and the control unit 180 of the mobile terminal 100 displays the payment unauthorized person due to insufficient balance as a payment result on the touch screen.

Referring to FIG. 6, the controller 180 displays the balance of the virtual account transmitted from the external server on the touch screen, and requests payment of the settlement amount by accessing the POS terminal.

The POS terminal transmits the settlement amount to the mobile terminal 100. When the payment amount is transmitted from the POS terminal, the control unit 180 of the mobile terminal 100 requests the balance information of the virtual account to the external server, do.

The control unit 180 compares the balance of the virtual account stored in advance and displayed on the touch screen with the balance of the virtual account newly transmitted from the external server. When the balance is inconsistent, the controller 180 requests the external server and the POS terminal to cancel the payment, It is possible to display the balance of the virtual account of the external server and the payment unapproval due to the mismatch of the balance of the virtual account stored in the mobile terminal with the touch screen of the mobile terminal 100. [

Referring to FIG. 7, the controller 180 displays the balance of the virtual account transmitted from the external server on the touch screen, and requests payment of settlement amount by accessing the POS terminal.

The POS terminal transmits the payment amount to the mobile terminal 100. When the payment amount is transmitted from the POS terminal, the control unit 180 of the mobile terminal 100 transmits the payment amount to the external server when the payment amount is equal to or less than the balance of the virtual account And sends a payment request.

The control unit 180 may display whether or not the payment has been approved and the balance information after payment on the touch screen when the payment procedure with the external server is performed.

Also, the external server can operate by setting the virtual account to automatically transfer an amount of money less than a preset amount of the accounts, and can accumulate the card mileage in cash in conjunction with the card operation server. In addition, external servers can operate virtual accounts in a variety of ways.

The above-described method of controlling a mobile terminal according to the present invention can be provided by being recorded in a computer-readable recording medium, which is a program for execution in a computer.

The control method of the mobile terminal according to the present invention can be executed through software. When executed in software, the constituent means of the present invention are code segments that perform the necessary tasks. The program or code segments may be stored in a processor readable medium or transmitted by a computer data signal coupled with a carrier wave in a transmission medium or a communication network.

A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording device include a ROM, a RAM, a CD-ROM, a DVD-ROM, a DVD-RAM, a magnetic tape, a floppy disk, a hard disk and an optical data storage device. The computer-readable recording medium may also be distributed to networked computer devices so that computer readable code can be stored and executed in a distributed manner.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention. The present invention is not limited to the drawings. In addition, the embodiments described in this document are not limited to be applied, but all or some of the embodiments may be selectively combined so that various modifications can be made.

100: mobile terminal 151: display module
180:

Claims (8)

A wireless communication unit; And
When receiving an input for receiving balance information of the virtual account from an external server managing the virtual account through the wireless communication unit and requesting settlement using a part of the balance of the virtual account, A controller for comparing the balance of the settlement amount with the settlement amount and requesting settlement to the external server when the settlement amount is equal to or less than the balance of the virtual account and displaying a settlement result according to the settlement request;
.
The method according to claim 1,
Wherein the virtual account includes a virtual account that manages cash withdrawn from the at least one bank account or cash transferred from the mobile wallet.
The method according to claim 1,
Wherein the controller displays a result indicating that the remaining amount of the virtual account is insufficient when the payment amount exceeds the remaining amount of the virtual account.
The method according to claim 1,
Wherein the control unit requests payment to the external server and balance information of the virtual account when receiving an input requesting the payment, and transmits the balance information of the virtual account transmitted from the external server and the balance of the stored virtual account And if the comparison result is different, requests the external server to cancel the payment, and displays the content of the payment error as a payment result according to the payment request.
The method according to claim 1,
Wherein when the balance of the virtual account is changed, the controller receives and stores the changed balance information of the virtual account from the external server.
The method according to claim 1,
Wherein the control unit requests input of a pin code according to the set security level and the payment amount when performing settlement using a part of the balance of the virtual account.
Receiving and storing balance information of the virtual account from an external server managing a virtual account;
Comparing an amount of the settlement amount with a balance of the virtual account when an input requesting settlement using a part of the balance of the virtual account is received; And
Requesting payment to the external server and displaying a payment result when the payment amount is less than or equal to the balance of the virtual account;
And transmitting the control information to the mobile terminal.
8. The method of claim 7,
Wherein when the payment amount is equal to or less than the balance of the virtual account,
Requesting payment to the external server and balance information of the virtual account;
Comparing the balance information of the virtual account transmitted from the external server with the balance information of the stored virtual account; And
And when the comparison result is the same, displays the settlement information after connection with the external server, displays settlement information after settlement of the virtual account with the settlement result according to the settlement request, and if the comparison result is different, And displaying the content of the settlement error as a settlement result according to the settlement request;
And a controller for controlling the mobile terminal.
KR1020120148993A 2012-12-19 2012-12-19 Mobile terminal and method for controlling of the same KR20140079675A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106899565A (en) * 2016-07-26 2017-06-27 阿里巴巴集团控股有限公司 One kind request sending method and device

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106899565A (en) * 2016-07-26 2017-06-27 阿里巴巴集团控股有限公司 One kind request sending method and device

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