WO2017209324A1

WO2017209324A1 - Mobile terminal and method for operating same

Info

Publication number: WO2017209324A1
Application number: PCT/KR2016/005774
Authority: WO
Inventors: 최경동
Original assignee: 엘지전자 주식회사
Priority date: 2016-05-31
Filing date: 2016-05-31
Publication date: 2017-12-07

Abstract

A mobile terminal, according to an embodiment of the present invention, comprises: a display unit; a wireless communication unit for receiving data from a server; a memory for saving card benefit information and payment information of each of a plurality of cards; and a control unit for making a first payment using a first card from the plurality of cards, and analyzing the card benefit of each of the plurality of cards that corresponds to the first payment, wherein the control unit may select a second card from the plurality of cards, cancel the first payment, and make a second payment on a second card, based on the result of analysis.

Description

Mobile terminal and its operation method

The present invention relates to a mobile terminal and a method of operation thereof.

Terminals may be divided into mobile / portable terminals and stationary terminals according to their mobility. The mobile terminal may be further classified into a handheld terminal and a vehicle mounted terminal according to whether a user can directly carry it.

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

As such functions are diversified, for example, a terminal may be a multimedia player having complex functions such as shooting an image or a video, playing a music or video file, playing a game, or receiving a broadcast. Is being implemented.

In order to support and increase the function of such a terminal, it may be considered to improve the structural part and / or the software part of the terminal.

On the other hand, in recent years, the frequency of using the mobile card stored in the mobile terminal on the offline as well as the online payment using the mobile terminal has increased. That is, the frequency of payment in various shops using a mobile card stored in the mobile terminal without carrying a card separately is increasing.

However, even when the payment is performed using the mobile card stored in the mobile terminal, the problem of canceling the payment and re-paying still remains, as in the case of the conventional payment. In particular, as the benefits provided by the card companies have recently diversified, and as the frequency of card payments increases, the case in which a user cancels a payment and then repays it is increasing.

In addition, it is virtually impossible for users to be aware of the card benefits of all cards, and depending on where you are paying or how your card is performing in the month, the card benefits you receive may vary from time to time, so cancel and re-pay There is still a problem with payment.

The present invention is to provide a method for recommending to the user by analyzing the card that can receive the maximum benefits based on the payment place and payment amount.

In addition, the present invention is to provide a method for analyzing the card that can receive the maximum benefits based on the card payment information after the card payment is performed, the final payment approval to the card with the best benefits.

In addition, the present invention is to provide a method for helping the user to be issued a card immediately if the user does not have a good card.

According to an embodiment of the present invention, a mobile terminal includes a display unit, a wireless communication unit receiving data from a server, a memory storing card benefit information and payment information of each of a plurality of cards, and a first card among a plurality of cards. 1 may include a control unit for performing a payment and analyzing card benefits of each of the plurality of cards corresponding to the first payment, and the card benefit information may include payment service information provided by a card company.

The control unit included in the mobile terminal according to an embodiment of the present invention may select the second card from among the plurality of cards based on the analysis result, and may cancel the first payment and perform the second payment to the second card. have.

The controller included in the mobile terminal according to an embodiment of the present invention may cancel the first payment and perform the second payment when the card benefit of the first card corresponding to the first payment is less than the card benefit of the second card. have.

The display unit included in the mobile terminal according to an embodiment of the present invention displays the card benefits of each of the plurality of cards, and the control unit receives a command for selecting a third card among the plurality of cards, and cancels the first payment. And a third payment with the third card.

The display unit included in the mobile terminal according to an embodiment of the present invention further displays a card issuing icon on some of the plurality of cards, and the control unit displays a card issuing screen when receiving a command for selecting a card issuing icon. Can be controlled.

The memory included in the mobile terminal according to an embodiment of the present invention further stores card benefit priority setting information, and the controller selects a fourth card based on the analysis result and the card benefit priority setting information, and makes a first payment. Can be canceled and the fourth payment to the fourth card can be performed.

The memory included in the mobile terminal according to an embodiment of the present invention maps each of the plurality of cards for each card benefit based on the analysis result and stores them as a lookup table, and when the controller selects the fourth card, the memory is based on the lookup table. The fourth card may be selected from among the cards mapped to the card benefits of which the card benefit priority is set to be high, and the first payment and the fourth payment to the fourth card may be performed.

The control unit included in the mobile terminal according to an embodiment of the present invention selects at least two or more cards among the plurality of cards based on the analysis result, and cancels the first payment and performs the divided payment with the selected at least two cards. Can be.

The payment service information provided by the card company in the mobile terminal according to an embodiment of the present invention may include a discount rate, a reserve, a cashback and an installment benefit.

The wireless communication unit included in the mobile terminal according to an embodiment of the present invention receives payment approval information corresponding to the first payment, and the control unit each of the plurality of cards corresponding to the first payment based on the received payment approval information. Analyze the card benefits of, and the payment authorization information may include at least one or more of the payment date, payment amount and payment place.

According to at least one of the embodiments of the present invention, there is an advantage that can provide the user with benefits that can be received for each card type with respect to the details to be paid by the user.

In addition, according to at least one of the embodiments of the present invention, there is an advantage that can check the card benefits for each card type, and select the payment card in consideration of the card benefits to be provided.

In addition, according to at least one of the embodiments of the present invention, there is an advantage that can help the user's card selection by recommending the card to the user which card can receive the best benefits when payment.

In addition, according to at least one of the embodiments of the present invention, there is an advantage to help the user do not worry about which card to pay by automatically paying the card with the best benefit for the details that the user wants to pay.

In addition, according to at least one of the embodiments of the present invention, there is an effect that can provide a method for maximizing the card benefits to the user by performing a partial payment to at least two cards according to the card benefit analysis results when the payment request. .

1 is a block diagram illustrating a mobile terminal related to the present invention.

2 is a flowchart illustrating a payment method using a mobile terminal according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a card list showing retention cards stored in a memory according to an exemplary embodiment.

4 is a diagram illustrating a method of registering an integrated card in a card list according to one embodiment of the present invention.

5 is a diagram illustrating payment approval information received by a mobile terminal according to an embodiment of the present invention.

6 is a diagram for describing a method of displaying a card benefit analysis result according to a first embodiment of the present invention.

7 is a view for explaining a method of displaying a card benefit analysis result according to a second embodiment of the present invention.

8 is a diagram illustrating a method of displaying a card benefit analysis result according to a third embodiment of the present invention.

9 is a diagram illustrating a method of displaying a card benefit analysis result according to a fourth embodiment of the present invention.

10 is a diagram for describing a method of displaying a card benefit analysis result according to a fifth embodiment of the present invention.

11 is a view for explaining a method of displaying a card benefit analysis result according to a sixth embodiment of the present invention.

12 to 14 are diagrams for describing a method of displaying a card benefit analysis result according to a seventh embodiment of the present invention.

15 to 16 are diagrams for describing a method of displaying a card benefit analysis result according to an eighth embodiment of the present invention.

17 to 18 are diagrams for describing a case in which split payment is recommended according to an embodiment of the present invention.

19 is a diagram for describing a partial payment recommendation method according to a first embodiment of the present invention.

20 is a diagram for describing a partial payment recommendation method according to a second embodiment of the present invention.

21 is a diagram for explaining a partial payment recommendation method according to a third embodiment of the present invention.

22 is a diagram for describing a partial payment recommendation method according to a fourth embodiment of the present invention.

FIG. 23 is a diagram for describing a method of setting priority of card benefits according to an exemplary embodiment.

24 is a view for explaining a method of repaying with a changed card according to an embodiment of the present invention.

25 is a diagram illustrating an operation of displaying payment card change information according to the first embodiment of the present invention.

FIG. 26 is a diagram for describing an operation of displaying payment card change information according to a second embodiment of the present disclosure.

27 is a diagram illustrating an operation of displaying payment card change information according to a third embodiment of the present invention.

FIG. 28 is a ladder diagram illustrating a method of transmitting and receiving card information and a payment method between a mobile terminal 100 and a server according to an embodiment of the present invention.

29 to 30 are views for explaining a method of displaying payment approval completion information according to an embodiment of the present invention.

Hereinafter, embodiments of the present disclosure will be described in detail with reference to the accompanying drawings, and the same or similar components are denoted by the same reference numerals regardless of the reference numerals, and redundant description thereof will be omitted. The suffixes "module" and "unit" for components used in the following description are given or used in consideration of ease of specification, and do not have distinct meanings or roles from each other. In addition, in describing the embodiments disclosed herein, when it is determined that the detailed description of the related known technology may obscure the gist of the embodiments disclosed herein, the detailed description thereof will be omitted. In addition, the accompanying drawings are intended to facilitate understanding of the embodiments disclosed herein, but are not limited to the technical spirit disclosed herein by the accompanying drawings, all changes included in the spirit and scope of the present invention. It should be understood to include equivalents and substitutes.

Terms including ordinal numbers such as first and second may be used to describe various components, but the components are not limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

When a component is referred to as being "connected" or "connected" to another component, it may be directly connected to or connected to that other component, but it may be understood that other components may be present in between. Should be. On the other hand, when a component is said to be "directly connected" or "directly connected" to another component, it should be understood that there is no other component in between.

Singular expressions include plural expressions unless the context clearly indicates otherwise.

In this application, the terms "comprises" or "having" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, components, or a combination thereof.

The mobile terminal described herein includes a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, a personal digital assistant, a portable multimedia player, a navigation, a slate PC , Tablet PCs, ultrabooks, wearable devices, such as smartwatches, glass glasses, head mounted displays, and the like. have.

However, it will be readily apparent to those skilled in the art that the configuration according to the embodiments described herein may also be applied to fixed terminals such as digital TVs, desktop computers, digital signages, etc., except when applicable only to mobile terminals. will be.

The mobile terminal 100 includes a wireless communication unit 110, an input unit 120, a sensing unit 140, an output unit 150, an interface unit 160, a memory 170, a controller 180, and a power supply unit 190. ) May be included. The components shown in FIG. 1 are not essential to implementing a mobile terminal, so a mobile terminal described herein may have more or fewer components than those listed above.

More specifically, the wireless communication unit 110 of the components, between the mobile terminal 100 and the wireless communication system, between the mobile terminal 100 and another mobile terminal 100, or the mobile terminal 100 and the external server It may include one or more modules that enable wireless communication therebetween. In addition, the wireless communication unit 110 may include one or more modules for connecting the mobile terminal 100 to one or more networks.

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

The input unit 120 may include a camera 121 or an image input unit for inputting an image signal, a microphone 122 for inputting an audio signal, an audio input unit, or a user input unit 123 for receiving information from a user. , Touch keys, mechanical keys, and the like. The voice data or the image data collected by the input unit 120 may be analyzed and processed as a control command of the user.

The sensing unit 140 may include one or more sensors for sensing at least one of information in the mobile terminal, surrounding environment information surrounding the mobile terminal, and user information. For example, the sensing unit 140 may include a proximity sensor 141, an illumination sensor 142, an illumination sensor, a touch sensor, an acceleration sensor, a magnetic sensor, and gravity. G-sensor, Gyroscope Sensor, Motion Sensor, RGB Sensor, Infrared Sensor, Infrared Sensor, Finger Scan Sensor, Ultrasonic Sensor Optical sensors (e.g. cameras 121), microphones (see 122), battery gauges, environmental sensors (e.g. barometers, hygrometers, thermometers, radiation detection sensors, Thermal sensors, gas sensors, etc.), chemical sensors (eg, electronic noses, healthcare sensors, biometric sensors, etc.). Meanwhile, the mobile terminal disclosed herein may use a combination of information sensed by at least two or more of these sensors.

The output unit 150 is for generating an output related to sight, hearing, or tactile sense, and includes at least one of the display unit 151, the audio output unit 152, the hap tip module 153, and the light output unit 154. can do. The display unit 151 forms a layer structure with or is integrally formed with the touch sensor, thereby implementing a touch screen. The touch screen may function as a user input unit 123 that provides an input interface between the mobile terminal 100 and the user, and may also provide an output interface between the mobile terminal 100 and the user.

The interface unit 160 serves as a path to various types of external devices connected to the mobile terminal 100. The interface unit 160 connects a device equipped with a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, and an identification module. It may include at least one of a port, an audio input / output (I / O) port, a video input / output (I / O) port, and an earphone port. In the mobile terminal 100, in response to an external device being connected to the interface unit 160, appropriate control associated with the connected external device may be performed.

In addition, the memory 170 stores data supporting various functions of the mobile terminal 100. The memory 170 may store a plurality of application programs or applications driven in the mobile terminal 100, data for operating the mobile terminal 100, and instructions. At least some of these applications may be downloaded from an external server via wireless communication. In addition, at least some of these application programs may exist on the mobile terminal 100 from the time of shipment for basic functions of the mobile terminal 100 (for example, a call forwarding, a calling function, a message receiving, and a calling function). The application program may be stored in the memory 170 and installed on the mobile terminal 100 to be driven by the controller 180 to perform an operation (or function) of the mobile terminal.

In addition to the operation related to the application program, the controller 180 typically controls the overall operation of the mobile terminal 100. The controller 180 may provide or process information or a function appropriate to a user by processing signals, data, information, and the like, which are input or output through the above-described components, or by driving an application program stored in the memory 170.

In addition, the controller 180 may control at least some of the components described with reference to FIG. 1 to drive an application program stored in the memory 170. Furthermore, the controller 180 may operate by combining at least two or more of the components included in the mobile terminal 100 to drive the application program.

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

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

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

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

The mobile communication module 112 may include technical standards or communication schemes (eg, Global System for Mobile communication (GSM), Code Division Multi Access (CDMA), Code Division Multi Access 2000 (CDMA2000), and EV). Enhanced Voice-Data Optimized or Enhanced Voice-Data Only (DO), Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), LTE-A (Long Term Evolution-Advanced) and the like to transmit and receive a radio signal with at least one of a base station, an external terminal, a server on a mobile communication network.

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

The wireless internet module 113 refers to a module for wireless internet access and may be embedded or external to the mobile terminal 100. The wireless internet module 113 is configured to transmit and receive wireless signals in a communication network according to wireless internet technologies.

Examples of wireless Internet technologies include Wireless LAN (WLAN), Wireless-Fidelity (Wi-Fi), Wireless Fidelity (Wi-Fi) Direct, Digital Living Network Alliance (DLNA), Wireless Broadband (WiBro), and WiMAX (World). Interoperability for Microwave Access (HSDPA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A), and the like. 113) transmits and receives data according to at least one wireless Internet technology in a range including the Internet technologies not listed above.

In view of the fact that the wireless Internet access by WiBro, HSDPA, HSUPA, GSM, CDMA, WCDMA, LTE, LTE-A, etc. is made through a mobile communication network, the wireless Internet module 113 for performing a wireless Internet access through the mobile communication network 113 ) May be understood as a kind of mobile communication module 112.

The short range communication module 114 is for short range communication, and includes Bluetooth ™, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, and NFC. (Near Field Communication), at least one of Wi-Fi (Wireless-Fidelity), Wi-Fi Direct, Wireless USB (Wireless Universal Serial Bus) technology can be used to support short-range communication. The short-range communication module 114 may be configured between a mobile terminal 100 and a wireless communication system, between the mobile terminal 100 and another mobile terminal 100, or through the wireless area networks. ) And a network in which the other mobile terminal 100 (or an external server) is located. The short range wireless communication network may be short range wireless personal area networks.

Here, the other mobile terminal 100 is a wearable device capable of exchanging (or interworking) data with the mobile terminal 100 according to the present invention (for example, smartwatch, smart glasses). (smart glass), head mounted display (HMD). The short range communication module 114 may sense (or recognize) a wearable device that can communicate with the mobile terminal 100, around the mobile terminal 100. Further, when the detected wearable device is a device that is authenticated to communicate with the mobile terminal 100 according to the present invention, the controller 180 may include at least a portion of data processed by the mobile terminal 100 in the short range communication module ( 114) to the wearable device. Therefore, the user of the wearable device may use data processed by the mobile terminal 100 through the wearable device. For example, according to this, when a call is received by the mobile terminal 100, the user performs a phone call through the wearable device or when a message is received by the mobile terminal 100, the received through the wearable device. It is possible to check the message.

The location information module 115 is a module for obtaining a location (or current location) of a mobile terminal, and a representative example thereof is a Global Positioning System (GPS) module or a Wireless Fidelity (WiFi) module. For example, when the mobile terminal utilizes the GPS module, the mobile terminal may acquire the location of the mobile terminal using a signal transmitted from a GPS satellite. As another example, when the mobile terminal utilizes the Wi-Fi module, the mobile terminal may acquire the location of the mobile terminal based on information of the wireless access point (AP) transmitting or receiving the Wi-Fi module and the wireless signal. If necessary, the location information module 115 may perform any function of other modules of the wireless communication unit 110 to substitute or additionally obtain data regarding the location of the mobile terminal. The location information module 115 is a module used to obtain the location (or current location) of the mobile terminal, and is not limited to a module that directly calculates or obtains the location of the mobile terminal.

Next, the input unit 120 is for inputting image information (or signal), audio information (or signal), data, or information input from a user. For input of image information, the mobile terminal 100 is one. Alternatively, the plurality of cameras 121 may be provided. The camera 121 processes image frames such as still images or moving images obtained by the image sensor in the video call mode or the photographing mode. The processed image frame may be displayed on the display unit 151 or stored in the memory 170. On the other hand, the plurality of cameras 121 provided in the mobile terminal 100 may be arranged to form a matrix structure, and through the camera 121 forming a matrix structure in this way, the mobile terminal 100 may have various angles or focuses. The plurality of pieces of image information may be input. In addition, the plurality of cameras 121 may be arranged in a stereo structure to acquire a left image and a right image for implementing a stereoscopic image.

The microphone 122 processes external sound signals into electrical voice data. The processed voice data may be variously used according to a function (or an application program being executed) performed by the mobile terminal 100. Meanwhile, various noise reduction algorithms may be implemented in the microphone 122 to remove noise generated in the process of receiving an external sound signal.

The user input unit 123 is for receiving information from a user. When information is input through the user input unit 123, the controller 180 may control an operation of the mobile terminal 100 to correspond to the input information. . The user input unit 123 may be a mechanical input unit (or a mechanical key, for example, a button, a dome switch, a jog wheel, or the like located on the front, rear, or side surfaces of the mobile terminal 100). Jog switch, etc.) and touch input means. As an example, the touch input means may include a virtual key, a soft key, or a visual key displayed on the touch screen through a software process, or a portion other than the touch screen. It may be made of a touch key disposed in the. The virtual key or the visual key may be displayed on the touch screen while having various forms, for example, graphic, text, icon, video, or the like. It can be made of a combination of.

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

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

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

On the other hand, for convenience of explanation, an action of allowing the object to be recognized without being in contact with the touch screen so that the object is located on the touch screen is referred to as a "proximity touch", and the touch The act of actually touching an object on a screen is called a "contact touch." The position at which the object is in close proximity touch on the touch screen means a position where the object is perpendicular to the touch screen when the object is in close proximity touch. The proximity sensor 141 may detect a proximity touch and a proximity touch pattern (for example, a proximity touch distance, a proximity touch direction, a proximity touch speed, a proximity touch time, a proximity touch position, and a proximity touch movement state). have. Meanwhile, the controller 180 processes data (or information) corresponding to the proximity touch operation and the proximity touch pattern detected through the proximity sensor 141 as described above, and further, provides visual information corresponding to the processed data. It can be output on the touch screen. Further, the controller 180 may control the mobile terminal 100 to process different operations or data (or information) according to whether the touch on the same point on the touch screen is a proximity touch or a touch touch. .

The touch sensor applies a touch (or touch input) applied to the touch screen (or the display unit 151) using at least one of various touch methods such as a resistive film method, a capacitive method, an infrared method, an ultrasonic method, and a magnetic field method. Detect.

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

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

Meanwhile, the controller 180 may perform different control or perform the same control according to the type of touch object that touches the touch screen (or a touch key provided in addition to the touch screen). Whether to perform different control or the same control according to the type of touch object may be determined according to the operation state of the mobile terminal 100 or an application program being executed.

Meanwhile, the touch sensor and the proximity sensor described above may be independently or combined, and may be a short (or tap) touch, a long touch, a multi touch, a drag touch on a touch screen. ), Flick touch, pinch-in touch, pinch-out touch, swipe touch, hovering touch, etc. A touch can be sensed.

The ultrasonic sensor may recognize location information of a sensing object using ultrasonic waves. On the other hand, the controller 180 can calculate the position of the wave generation source through the information detected from the optical sensor and the plurality of ultrasonic sensors. The position of the wave source can be calculated using the property that the light is much faster than the ultrasonic wave, that is, the time that the light reaches the optical sensor is much faster than the time when the ultrasonic wave reaches the ultrasonic sensor. More specifically, the position of the wave generation source may be calculated using a time difference from the time when the ultrasonic wave reaches the light as the reference signal.

On the other hand, the camera 121, which has been described as the configuration of the input unit 120, includes at least one of a camera sensor (eg, CCD, CMOS, etc.), a photo sensor (or image sensor), and a laser sensor.

The camera 121 and the laser sensor may be combined with each other to detect a touch of a sensing object with respect to a 3D stereoscopic image. The photo sensor may be stacked on the display element, and the photo sensor may be configured to scan a movement of the sensing object in proximity to the touch screen. More specifically, the photo sensor mounts a photo diode and a transistor (TR) in a row / column and scans contents loaded on the photo sensor by using an electrical signal that changes according to the amount of light applied to the photo diode. That is, the photo sensor calculates coordinates of the sensing object according to the amount of light change, and thus, the position information of the sensing object can be obtained.

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

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

The stereoscopic display unit may be a three-dimensional display method such as a stereoscopic method (glasses method), an auto stereoscopic method (glasses-free method), a projection method (holographic method).

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

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

In addition to vibration, the haptic module 153 may be used to stimulate pins that vertically move with respect to the contact skin surface, jetting force or suction force of air through the jetting or suction port, grazing to the skin surface, contact of electrodes, and electrostatic force Various tactile effects can be generated, such as effects by the endothermic and the reproduction of a sense of cold using the elements capable of endothermic heat generation.

The haptic module 153 may not only deliver a tactile effect through direct contact, but also may allow a user to feel the tactile effect through a muscle sense such as a finger or an arm. Two or more haptic modules 153 may be provided according to a configuration aspect of the mobile terminal 100.

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

The signal output from the light output unit 154 is implemented as the mobile terminal emits light of a single color or a plurality of colors to the front or the rear. The signal output may be terminated by the mobile terminal detecting the user's event confirmation.

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

On the other hand, the identification module is a chip that stores a variety of information for authenticating the usage rights of the mobile terminal 100, a user identification module (UIM), subscriber identity module (SIM), universal user authentication And a universal subscriber identity module (USIM). A device equipped with an identification module (hereinafter referred to as an 'identification device') may be manufactured in the form of a smart card. Therefore, the identification device may be connected to the terminal 100 through the interface unit 160.

In addition, when the mobile terminal 100 is connected to an external cradle, the interface unit 160 may be a passage for supplying power from the cradle to the mobile terminal 100 or may be input from the cradle by a user. Various command signals may be a passage through which the mobile terminal 100 is transmitted. Various command signals or power input from the cradle may operate as signals for recognizing that the mobile terminal 100 is correctly mounted on the cradle.

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

The memory 170 may include a flash memory type, a hard disk type, a solid state disk type, an SSD type, a silicon disk drive type, and a multimedia card micro type. ), Card-type memory (e.g., SD or XD memory), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read It may include at least one type of storage medium of -only memory (PROM), programmable read-only memory (PROM), magnetic memory, magnetic disk and optical disk. The mobile terminal 100 may be operated in connection with a web storage that performs a storage function of the memory 170 on the Internet.

On the other hand, as described above, the controller 180 controls the operation related to the application program, and generally the overall operation of the mobile terminal 100. For example, if the state of the mobile terminal satisfies a set condition, the controller 180 may execute or release a lock state that restricts input of a user's control command to applications.

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

The power supply unit 190 receives an external power source and an internal power source under the control of the controller 180 to supply power for operation of each component. The power supply unit 190 includes a battery, and the battery may be a built-in battery configured to be rechargeable, and may be detachably coupled to the terminal body for charging.

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

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

Meanwhile, various embodiments of the present disclosure may be implemented in a recording medium readable by a computer or a similar device using, for example, software, hardware, or a combination thereof.

Next, a communication system that can be implemented through the mobile terminal 100 according to the present invention will be described.

First, the communication system may use different air interfaces and / or physical layers. For example, a radio interface that can be used by a communication system includes frequency division multiple access (FDMA), time division multiple access (TDMA), and code division multiple access (CDMA). ), Universal Mobile Telecommunications Systems (UMTS) (especially Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A)), Global System for Mobile Communications (GSM), etc. This may be included.

Hereinafter, for convenience of description, the description will be limited to CDMA. However, it is apparent that the present invention can be applied to any communication system including an orthogonal frequency division multiplexing (OFDM) wireless communication system as well as a CDMA wireless communication system.

The CDMA wireless communication system includes at least one terminal 100, at least one base station (Base Station, BS (also referred to as Node B or Evolved Node B)), and at least one Base Station Controllers (BSCs). ), And may include a mobile switching center (MSC). The MSC is configured to connect with the Public Switched Telephone Network (PSTN) and BSCs. The BSCs may be connected to the BS through a backhaul line. The backhaul line may be provided according to at least one of E1 / T1, ATM, IP, PPP, Frame Relay, HDSL, ADSL, or xDSL. Thus, a plurality of BSCs can be included in a CDMA wireless communication system.

Each of the plurality of BSs may include at least one sector, and each sector may include an omnidirectional antenna or an antenna pointing in a radial direction from the BS. In addition, each sector may include two or more antennas of various types. Each BS may be configured to support a plurality of frequency assignments, and the plurality of frequency assignments may each have a specific spectrum (eg, 1.25 MHz, 5 MHz, etc.).

The intersection of sectors and frequency assignments may be called a CDMA channel. BSs may be called Base Station Transceiver Subsystems (BTSs). In this case, one BSC and at least one BS may be collectively referred to as a "base station". The base station may also indicate “cell site”. Or, each of the plurality of sectors for a particular BS may be called a plurality of cell sites.

The broadcast transmitter (BT) transmits a broadcast signal to the terminals 100 operating in the system. The broadcast receiving module 111 shown in FIG. 1 is provided in the terminal 100 to receive a broadcast signal transmitted by BT.

In addition, a satellite positioning system (Global Positioning System, GPS) for identifying the position of the mobile terminal 100 may be linked to the CDMA wireless communication system. The satellite helps to locate the mobile terminal 100. Useful location information may be obtained by up to two or more satellites. Here, the location of the mobile terminal 100 may be tracked using all the technologies capable of tracking the location as well as the GPS tracking technology. In addition, at least one of the GPS satellites may optionally or additionally be responsible for satellite DMB transmission.

The location information module 115 provided in the mobile terminal is used to detect, calculate, or identify the location of the mobile terminal. Examples of the location information module 115 may include a Global Position System (GPS) module and a Wireless Fidelity (WiFi) module. If necessary, the location information module 115 may perform any function of other modules of the wireless communication unit 110 to substitute or additionally obtain data regarding the location of the mobile terminal.

The GPS module 115 calculates distance information and accurate time information away from three or more satellites, and then triangulates the calculated information to accurately calculate three-dimensional current position information according to latitude, longitude, and altitude. can do. Currently, 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 widely used. In addition, the GPS module 115 may calculate speed information by continuously calculating the current position in real time. However, it is difficult to accurately measure the position of the mobile terminal using the GPS module in the shadowed area of the satellite signal such as indoors. Accordingly, in order to compensate for GPS positioning, a WPS (WiFi Positioning System) may be utilized.

The Wi-Fi Positioning System (WPS) uses a WiFi module provided in the mobile terminal 100 and a wireless access point (AP) for transmitting or receiving a wireless signal with the WiFi module. As a technology for tracking the location of a, it refers to a WLAN (Wireless Local Area Network) based location positioning technology using WiFi.

The Wi-Fi location tracking system may include a Wi-Fi location server, a mobile terminal 100, a wireless AP connected to the mobile terminal 100, and a database in which any wireless AP information is stored.

The mobile terminal 100 connected to the wireless AP may transmit a location information request message to the Wi-Fi location server.

The Wi-Fi positioning server extracts the information of the wireless AP connected to the mobile terminal 100 based on the location information request message (or signal) of the mobile terminal 100. Information of the wireless AP connected to the mobile terminal 100 may be transmitted to the Wi-Fi positioning server through the mobile terminal 100, or may be transmitted from the wireless AP to the Wi-Fi positioning server.

Based on the location information request message of the mobile terminal 100, the extracted information of the wireless AP is MAC Address, Service Set IDentification (SSID), Received Signal Strength Indicator (RSSI), Reference Signal Received Power (RSRP), RSRQ ( It may be at least one of Reference Signal Received Quality, Channel Information, Privacy, Network Type, Signal Strength, and Noise Strength.

As described above, the Wi-Fi location server receives the information of the wireless AP connected to the mobile terminal 100, and extracts the wireless AP information corresponding to the wireless AP to which the mobile terminal is connected from a pre-established database. At this time, the information of any wireless AP stored in the database is MAC address, SSID, channel information, Privacy, Network Type, latitude and longitude coordinates of the wireless AP, building name, floor number, indoor detailed location information (GPS coordinates) Available), the AP owner's address, telephone number, and the like. In this case, in order to remove the wireless AP provided by the mobile AP or the illegal MAC address in the positioning process in the positioning process, the Wi-Fi positioning server may extract only a predetermined number of wireless AP information in the order of high RSSI.

Thereafter, the Wi-Fi location server may extract (or analyze) location information of the mobile terminal 100 using at least one piece of wireless AP information extracted from a database. The location information of the mobile terminal 100 is extracted (or analyzed) by comparing the included information with the received wireless AP information.

As a method for extracting (or analyzing) the location information of the mobile terminal 100, a cell-ID method, a finger print method, a triangulation method, a landmark method, or the like may be utilized.

The Cell-ID method is a method of determining the location of a mobile AP having the strongest signal strength among neighboring wireless AP information collected by the mobile terminal. The simple implementation, no additional cost, and quick location information can be obtained. However, the low installation density of the wireless AP reduces the positioning accuracy.

The fingerprint method is a method of selecting a reference location in a service area to collect signal strength information and estimating a location based on signal strength information transmitted from a mobile terminal based on the collected information. In order to use the fingerprint method, it is necessary to database propagation characteristics in advance.

The triangulation method calculates the position of the mobile terminal based on the coordinates of at least three wireless APs and the distance between the mobile terminals. In order to measure the distance between the mobile terminal and the wireless AP, the signal strength is converted into distance information, a time of arrival of a radio signal (ToA), a time difference of transmission of a signal (Time Difference of Arrival, TDoA) , Angle of signal transmission (Angle of Arrival, AoA) may be used.

The landmark method is a method of measuring the location of a mobile terminal using a landmark transmitter that knows the location.

In addition to the methods listed, various algorithms may be utilized as a method for extracting (or analyzing) location information of a mobile terminal.

The extracted location information of the mobile terminal 100 is transmitted to the mobile terminal 100 through the Wi-Fi positioning server, the mobile terminal 100 can obtain the location information.

The mobile terminal 100 may obtain location information by being connected to at least one wireless AP. In this case, the number of wireless APs required to obtain location information of the mobile terminal 100 may be variously changed according to a wireless communication environment in which the mobile terminal 100 is located.

Next, a payment operation method using the mobile terminal 100 according to an embodiment of the present invention will be described with reference to FIGS. 2 to 30.

The present invention is to provide a method of determining which card is the most profitable to the user when making a card payment using the mobile terminal 100, and to help pay with the most profitable card. Method according to an embodiment of the present invention for achieving the above object may be a method for analyzing the card that is most profitable to the user in the mobile terminal (100). Alternatively, the method according to another embodiment of the present invention may have a method of performing a payment with an analyzed card by analyzing a card that is most profitable from an external server as the mobile terminal 100 makes a payment request.

First, a method of analyzing and paying a card which is most profitable to a user in the mobile terminal 100 will be described with reference to FIGS. 2 to 27.

The memory 170 may store card benefit information and payment information of each of the plurality of cards. The card benefit information of each of the plurality of cards may refer to existing cards and benefit information provided according to each of the cards. In addition, the card benefit information may include payment service information provided by the card company. Payment service information provided by the card company may include a discount rate, reserves, cashback and installment profit. The payment information may refer to information used by a user using holding cards. That is, the payment information may include a card use date, used card name, payment amount and the like.

In addition, the memory 170 may store card information. The card information may include a card name, card holder information, a card number, an expiration date, and the like. Accordingly, the memory 170 may store card information, card name information, card number, validity period, and the like, which are card information of cards held by the user, for each card.

The user may store the information of the user holding card in the memory 170 by inputting the card information of the card held by the user to the mobile terminal 100.

The controller 180 may register some of the retention cards as an integrated card (S101).

The user input unit 141 may receive a command for registering some of the user holding cards as an integrated card.

The user may select some of the cards possessed by the user and register as an integrated card. Here, the integrated card refers to a card that performs the payment that is the target of the card benefit analysis according to an embodiment of the present invention. This is because not all of the cards possessed by the user are subject to the analysis of the card benefits, but only when the user requests a payment with the registered integrated card.

A user can own various types of cards, such as personal cards, family cards, and corporate cards. Therefore, the user may arbitrarily set a card which is a target of card benefit analysis and a card which is not a target of card benefit analysis according to an embodiment of the present invention. Thus, the user can select some of the holding cards and register them as a unified card.

In addition, card benefits may include card benefits such as discount rates, reserves and installment benefits. A good card benefit may mean a card profit that has a large discount rate, a large reserve, a low interest rate when the installment is settled, or a long interest-free installment period.

The controller 180 may select some of the holding cards and register the selected card as an integrated card according to an integrated card registration command for the selected card.

Next, referring to Figs. 3 to 4, the operation of registering some of the holding cards as the integrated card will be described.

The display unit 151 may display retention cards stored in the memory 170. In particular, as shown in FIG. 3, the display unit 151 may display holding cards through the card list 300. The card list 300 may be a list including card information such as card names of the cards stored in the memory 170 and a part of the card shape.

Specifically, for example, the memory 170 stores AA card information, BB card information, CC card information, and DD card information. Accordingly, the display unit 151 may display the card list 300 including the AA card, the BB card, the CC card, and the DD card, which are card names of the stored card information, and a part of each card shape. If more cards are stored in the memory 170, the card list 300 may display the stored cards including a scroll bar.

In addition, the controller 180 may receive a command for selecting any one of the cards displayed on the card list 300. The controller 180 may display the detailed information 320 of the selected card on the display unit 151 as a command for selecting one card from the card list 300 is received. For example, the controller 180 may receive a command for selecting an AA card. Accordingly, the display unit 151 may display the detailed information 320 of the selected AA card. In detail, the detailed information 320 may include information such as a card shape, a card name, a card number, an expiration date, and the like of the selected card.

As shown in FIG. 3, the display unit 151 may display card information stored in the memory 170.

According to another embodiment of the present disclosure, as shown in FIG. 4, the display unit 151 may further display an integrated card icon 400 for registering as an integrated card in the card list 300.

According to an embodiment of the present disclosure, the card list 300 may further include an integrated card icon 400. When the controller 180 receives a command for selecting the integrated card icon 400, the controller 180 may register the selected card as an integrated card. The display unit 151 may further display a registration icon 401 on a card registered as an integrated card. In addition, when the controller 180 receives a command for selecting an integrated card icon 400 for a card registered as an integrated card, the controller 180 may release the integrated card. Accordingly, the display unit 151 may not display the registration icon 401.

As such, registration of the integrated card may be simply performed through an operation of selecting an icon. However, this is merely an example, and thus the integrated card may be registered in another method. In addition, the registration icon 401 has an effect of helping the user to easily distinguish whether or not the card registered as an integrated card.

According to another embodiment of the present disclosure, the controller 180 may target all of the retention cards stored in the memory 170 without analyzing the integrated card registration.

Again, Fig. 2 is described.

The controller 180 may receive card-specific benefit information and card use information of the user (S103). That is, the controller 180 may control the wireless communication unit 110 to receive card benefit information and payment information of each of the plurality of cards from the outside.

The controller 180 uses the card-specific benefit information and the user's card usage information in order to analyze what kind of card benefits can be applied to the payments with the integrated card and which card is the most profitable. Can be. Accordingly, the controller 180 may receive benefit information of the card and card usage information of the user's holding cards from the outside for each card type. The reason for receiving the user's card usage information is that some cards may apply card benefits reflecting the user's past card usage history.

According to another embodiment of the present invention, the controller 180 may receive benefit information for each card and card usage information of the user by limiting only the cards registered as the integrated card, not the benefit information for all the cards.

The controller 180 may receive card benefit information and card use information of the user from the outside. In particular, the controller 180 may receive card benefit information and card use information of a user from a card company. Alternatively, the controller 180 may receive card benefit information and card use information of the user from another external company.

Next, the controller 180 may perform card payment (S105).

The controller 180 may receive a command for selecting one from the card list 300 as shown in FIG. 4. The controller 180 may perform payment with the selected card in response to receiving a payment command to the selected card. In detail, the controller 180 may perform card payment by transmitting information necessary for card payment, such as a card number of the selected card and an expiration date, to a payment terminal device (POS) upon receiving a payment command.

The payment terminal device may transmit a payment approval request for a specific price to a server in a specific store by using the received card information. When payment approval is completed from the server, the server may transmit payment approval information to the mobile terminal 100. According to an embodiment of the present invention, the server may be a server of a card company or a server of another external company.

The wireless communication unit 110 may receive payment approval information (S107).

The wireless communication unit 110 may receive payment approval information from a card company. The display unit 151 may display the received payment approval information.

The payment approval information may include at least one of a payment date, a payment amount, and a payment place.

Next, a method of displaying payment approval information according to an embodiment of the present invention will be described with reference to FIG. 5.

The payment approval information may be received in a form included in a text message. Alternatively, the payment approval information may be received in the form of data, and the display unit 151 may display the payment approval information in a popup form, but this is merely exemplary.

As illustrated in FIG. 5, the display unit 151 may display payment approval information 500 in the form of a text message.

The payment approval information 500 may include a payment card name, a card holder name, a payment date, a payment time, a payment amount, and a payment place. For example, as shown in FIG. 5, the payment authorization information may include a card name such as' AA card ', a card holder name such as' Kim **', a payment date and payment time such as '04 / 27 15:08 '. , Payment amount such as '50, 000 won 'and payment place such as' AB Mart'.

In addition, according to an embodiment of the present invention, the payment approval information 500 may include a payment card change icon 501. A detailed description of the payment card change icon 501 will be described later.

2 will be described again.

The controller 180 determines whether the card on which payment has been made is an integrated card (S109).

The card on which the card payment is performed may be a card registered as an integrated card or a card not registered as an integrated card.

The controller 180 may transmit a final approval request to the server by payment based on the received payment approval information without analyzing the card profit when the card is not registered as the integrated card as a result of the determination (S119).

Alternatively, the controller 180 may complete the payment performed in step S105 without analyzing the card profit in the case of a card not registered as an integrated card as a result of the determination. Alternatively, the controller 180 may not perform any operation when the card is not registered as an integrated card as a result of the determination. As such, when it is determined that the payment card is not an integrated card, the payment card may be finally paid by the payment card by not performing any operation such as payment cancellation or payment change request.

On the other hand, the controller 180 may analyze the card benefits in the case of a card registered as an integrated card as a result of the determination (S111).

In detail, the controller 180 may analyze the card benefit based on payment approval information when the card is registered as the integrated card as a result of the determination. If there is no step of registering with a separate integrated card as in step S101, the controller 180 may analyze the card benefit based on the received payment approval information each time the payment approval information is received.

The controller 180 may analyze card benefits that can be received for a corresponding payment by card type using payment approval information. In detail, the controller 180 may obtain a payment place and a payment amount from payment approval information. The controller 180 may analyze all the benefits for each card type to determine the benefits of payment by the amount of payment at the corresponding payment location by reflecting the user's use of the card.

Alternatively, the controller 180 may perform card benefit analysis only on holding cards stored in the memory 170.

Alternatively, the controller 180 may perform card benefit analysis only on cards registered as integrated cards.

Here, the card benefit refers to the card profit applicable to the case of paying with the card, as described above.

Since the card benefits vary depending on factors such as card type, store type, payment amount, payment date and card usage performance, it is difficult for a user to know all of them. This is to recommend the card to the user by analyzing.

The controller 180 can display a card benefit analysis result on the display unit 151 (S113).

The controller 180 may display the result of analyzing the card benefit in the step S111 on the display unit 151.

Next, a method of displaying a card benefit analysis result will be described with reference to FIGS. 6 to 16.

As the card benefit analysis ends, the controller 180 may automatically display the card benefit analysis result on the display unit 151. Alternatively, the controller 180 may display a card benefit analysis result according to a command for selecting a payment card change icon 501 included in the payment approval information 500 as shown in FIG. 5.

According to an embodiment of the present disclosure, as shown in FIG. 6, the display unit 151 may display card benefits only for cards held by a user. In detail, the display unit 151 may display a benefit applicable to each user-owned card type when paying for a specific amount at a payment place obtained from payment approval information.

According to the example shown in Fig. 6, the user holding card is an AA card, a BB card, a CC card and a DD card. Paying with AA card may apply for 3 months interest-free installment, paying with BB card may apply 5% discount on payment amount, and paying with CC card may apply 10% cash back benefit on payment amount And, if you pay by DD card 1% of the payment amount can be applied to the benefits earned as points.

Next, FIG. 7 is a diagram for describing a method of displaying a card benefit analysis result according to a second embodiment of the present invention.

According to an embodiment of the present disclosure, as shown in FIG. 7, the display unit 151 may display a card benefit of each user-owned card type and the card benefit result together.

For example, the display unit 151 may display that it is scheduled to be paid for 16,666 months per month as well as the three-month interest-free installment profit is applicable when the payment is made by AA card. Therefore, there is an effect to help the user easily grasp the card benefits at a glance.

Similarly, the display unit 151 may indicate that a 5% discount benefit may be applied to the payment amount when the payment is made with the BB card, and may indicate that the payment is to be made at 47,500 won by receiving a discount from the payment amount 50,000 won as a result of the application. In addition, the display unit 151 may display that the application result is 5,000 won along with the indication that 10% cash back benefit may be applied to the payment amount when the payment is made with the CC card. In addition, if the payment by the DD card 1% points earning benefits can be applied to the payment amount, and the result of applying 500 won may further indicate that the points will be accumulated.

In this way, if the card benefit prediction result is further displayed, the user can easily select a card without worrying about the payment card.

Next, FIG. 8 is a diagram for describing a method of displaying a card benefit analysis result according to a third embodiment of the present invention.

According to an embodiment of the present disclosure, as shown in FIG. 8, the display unit 151 may further display a card notification 800 and a message 810 for selecting a payment card to be changed on the card benefit screen.

The payment card notification 800 may be an indication for changing the color of the payment card or an indication for highlighting the border of the payment card. However, this is only an example and may be included in the display if it is distinguished from other cards. .

Displaying a paid card alert 800 will give you an idea of which card is currently being paid for and the benefits that would apply if you didn't change the card, which would let you know which card would benefit you more. There can be.

The message 810 to select a card to change may be a message indicating that the payment card will be changed to the selected card when another card is selected. Through this, when the user selects another card, the user can know that the payment card is to be changed.

Next, FIG. 9 is a diagram for describing a method of displaying a card benefit analysis result according to a fourth embodiment of the present invention.

As shown in FIG. 9, according to an exemplary embodiment, the display unit 151 may further display a card change recommendation icon 900.

The user may have difficulty seeing which card should be the most profitable even by looking at the card benefit analysis result displayed on the display unit 151. In this case, by further displaying the card change recommendation icon 900, it is possible to reduce the user's worries by recommending to the user what card is good for payment.

The controller 180 may display the card change recommendation icon 900 on the card having the most benefits among the displayed cards.

The card with the most benefits may mean the card with the greatest amount of benefits. For example, as shown in FIG. 9, since the benefit applied to the AA card is interest-free installment benefit, the amount benefit may be regarded as zero won or an interest amount. Also, if you pay by BB card, you get a 2,500 won discount, so the amount can be said to be 2,500 won. Next, if you pay by CC card will be cash back 5,000 won, the amount benefits can be said to be 5,000 won. If you pay by DD card, 500 won will be earned as points. Accordingly, the controller 180 may regard the CC card as the card having the greatest amount of money and display a card change recommendation icon 900 next to the CC card.

However, this is only an example, and the card with the most benefits may be the card with the greatest discount immediately. In this case, the BB card may be the card with the most benefits.

Alternatively, the card with the most benefits may be determined according to user settings. For example, if the user has prioritized the installment benefit, the card with the most benefit may be an AA card. To this end, the controller 180 may receive a command for setting the card benefit priority and select the card having the most benefit according to the setting information. Setting card benefit priorities will be described later.

Alternatively, the controller 180 may consider the exceptional benefit when determining the most benefit card. For example, a user may not want to receive the points earning benefit. Therefore, the user can set the point accumulation as an exception. If the point accumulation is set as an exception benefit, the controller 180 can select a card having the most benefits except for the card for which points are accumulated.

According to an embodiment of the present invention, as shown in FIG. 10, the display unit 151 may further display an issue recommendation icon 1000.

According to an embodiment of the present invention, the display unit 151 may display benefit information on the user retention card and benefit information on another card not owned by the user on the card benefit screen. For example, as shown in FIG. 10, the display unit 151 may provide a user with benefit information for the AA card, the benefit information for the BB card, the benefit information for the CC card, and the benefit information for the DD card. Benefit information can be displayed for EE cards that are not owned by the company.

The controller 180 may analyze not only the benefits for the card held by the user but also the benefits for the card not held by the user in step S111. The controller 180 may determine whether there is a card having a greater benefit than the cards possessed by the user based on the analysis result. If it is determined that there is a card having a greater benefit than the cards possessed by the user, the controller 180 may display the benefit information of the card having a greater benefit on the card benefit screen on the display unit 151. In addition, the display unit 151 may further display the issue recommendation icon 1000.

The issue recommendation icon 1000 may be an icon indicating that the card is not owned by the user. In addition, the issuance recommendation icon 1000 is an icon indicating that the benefits are similar to those held by the user or have a greater benefit than the cards held by the user.

In addition, the issue recommendation icon 1000 may include a link function for moving to the card issue screen. When the controller 180 receives a command for selecting the issue recommendation icon 1000, the controller 180 may display a card issue screen for issuing the displayed card on the display unit 151.

Issuing recommendation icon 1000 may have an effect that can facilitate the card issuing application as well as the effect of recommending a good card to the user.

Next, FIG. 11 is a diagram for describing a method of displaying a card benefit analysis result according to a sixth embodiment of the present invention.

As illustrated in FIG. 11, the display unit 151 may display only one payment change recommendation card 1102 together with the paid card 1101. It is to help the user select a card change because it may be difficult for the user to select which card to change if the payment change recommendation card is displayed too many times.

However, you may not be able to see other card benefits. Accordingly, the display unit 151 displays another card benefit view icon 1103 to provide a function of viewing benefits of other cards.

If the user does not want to pay with the displayed payment change recommendation card 1102 or also wants to check the benefits of other cards, the user may select another card benefit more icon 1103.

The controller 180 may display a screen as described with reference to FIGS. 6 to 10 when receiving a command to select another benefit card icon 1103.

One card indicated by the payment change recommendation card 1102 may be selected in the same manner as the card having the greatest number of benefits described in FIG. 9.

12 to 14 are views for explaining a method of displaying a card benefit analysis result according to a seventh embodiment of the present invention.

As illustrated in FIG. 12, when the controller 180 receives a command for selecting the payment card change icon 501 included in the payment approval information 500, the controller 180 may display the first card icon 1201 under the payment approval information 500. ), The second card icon 1202 and the third card icon 1203 may be displayed. In particular, the controller 180 may arrange and display the first card icon 1201, the second card icon 1202, and the third card icon 1203 in a fan shape, but this is merely exemplary.

The first card icon 1201 represents a card icon disposed on the left side of the display unit 151, and the second card icon 1202 represents a card icon disposed in the center of the display unit 151. ) May mean a card icon disposed on the right side of the display unit 151.

The controller 180 arranges each card icon according to a command of dragging and dropping one of the first card icon 1201, the second card icon 1202, and the third card icon 1203 to the right or the left. Can be changed.

The display unit 151 may also display benefit information 1210 of the card located in the second card icon 1202.

The benefit information 1210 may include a card name, card benefit information, and the like. In detail, the benefit information 1210 may include a benefit provided by the card and a condition for applying the benefit provided. For example, as shown in FIG. 12, the benefit information 1210 is 5,000 won cashback benefit information that can be received when paying the CC card and payment date condition information that must be paid on weekdays to receive the 5,000 won cashback benefit. It may include. Therefore, if the payment date with the AA card was the weekend with reference to the benefit information 1210, the user may consider repaying the payment with the CC card on weekdays after the cancellation of the payment.

In addition, the user may drag and drop the first to third card icons 1201 to 1203 to the right or the left if they want to see card benefits other than the CC card. The controller 180 changes the card arrangement according to the dragging direction, and displays card information corresponding to the second card icon 1202 positioned in the center on the benefit information 1210 according to the change of the card arrangement.

For example, as shown in FIG. 13, if the user drags and drops to the right, the card disposed in the first card icon 1201 of FIG. 12 is disposed and displayed in the second card icon 1302 of FIG. 13. . In addition, the display unit 151 may display the information of the BB card disposed on the second card icon 1202 of FIG. 13 on the benefit information 1310.

If the user wants to change the payment card to the BB card with reference to the benefit information 1310 of the BB card, the user may touch input the second card icon 1302 for a long time. The controller 180 may change the payment card from the AA card to the BB card as a command for continuously touch inputting the second card icon 1302 for a predetermined time or more.

In addition, as shown in FIG. 14, the first to third card icons 1201 to 1203 may include a card not held by the user. When a card not owned by the user is placed in the second card icon 1402, the benefit information 1410 corresponding thereto may include a card issuance connection icon 1411. As a result, the card issuing effect can be easily and quickly in order to receive the card benefits.

The controller 180 displays the benefit information 1510 corresponding to the card icons 1501 to 1505 and the card icon 1503 located in the center as a command for dragging upward from the bottom of the display unit 151. can do. The controller 180 changes the arrangement of the card icons 1501 to 1505 and displays it on the display unit 151 in response to a command for dragging and dropping the card icons 1501 to 1505 in a right or left direction. .

In addition, the display unit 151 may include a card order window 1520. The card order window 1520 may indicate how many cards are the card icon 1503 located in the center of the number of recommended cards. In addition, the card order window 1520 may further include information on whether or not the maximum benefit card.

FIG. 16 may correspond to a screen displayed after dragging and dropping the card icons 1501 to 15050 in FIG. 15 to the right. The benefit information 1610 of the card icon 1603 located in the center includes information that can be applied for a discount of 2,500 won when paying with a BB card, and condition information that requires that the last month's usage record be more than 500,000 won in order to apply the benefit. .

In particular, the benefit information 1610 includes whether it can be applied together with the last month's usage conditions, thereby reducing the need for the user to separately check the last month's card usage. Alternatively, although not shown in FIG. 16, the user may directly check the current performance and the usage history insufficient to receive the benefits by including the last month usage history in the benefit information 1610.

Next, referring to FIGS. 17 to 22, a method of recommending a partial payment based on a card benefit analysis result will be described.

As shown in FIG. 17, when the card payment is performed but the card payment is not completed due to the limit, the partial payment may be recommended. Alternatively, as shown in FIG. 18, when the card benefits are analyzed based on the received payment approval information 1800, the card benefits may be displayed as more if the payment is divided into two or more cards. In this case, the mobile terminal 100 may recommend a partial payment.

According to an embodiment of the present disclosure, as shown in FIG. 17, the payment approval information received by the controller 180 in step S107 may be an over-limit message 1700. In this case, the controller 180 may include the partial payment request icon 1710 in the over-limit message 1700. The controller 180 may display the split payment request icon 1710 on the display unit 151 when the card payment request is rejected because the limit is exceeded.

According to another embodiment of the present invention, as shown in FIG. 18, as a result of analyzing the card benefit based on the payment approval information 1800 in step S111, the controller 180 divides the card into at least two cards and pays the card. We can judge that profit is more. In this case, the controller 180 may include the divided payment request icon 1810 in the payment approval information 1800.

When the controller 180 receives a command to select the divided

payment request icons

1710 and 1810, the controller 180 may display a card benefit according to the divided payment on the display unit 151.

Next, a split payment recommendation method according to various embodiments of the present disclosure will be described with reference to FIGS. 19 to 22.

The controller 180 may select at least two or more cards from among the plurality of cards based on the result of the card benefit analysis, and cancel the previously performed payment and perform a partial payment with the selected at least two cards.

As shown in FIG. 19, the controller 180 may display, on the display unit 151, a method of making a partial payment to cards that are most profitable to the user regardless of whether or not the card is held by the user.

The controller 180 may display on the display unit 151 a payment method divided into a plurality of cards in consideration of both the usage limit of each card and the benefit limit of each card.

Considering the usage limits for each card means taking into account the cumulative usage amount up to the current month of the month and the amount set for the monthly usage limit.

Next, the benefit limits of each card will be explained. Benefits such as 30% discount or 10% cash back when paying for a card may be applied regardless of the amount, and the maximum discount limit may be limited each month. For example, if you use the EE card to pay 30% discount, you can not get all 1,500,000 won when you pay 5,000,000 won, but only up to 600,000 won is applied even if you pay 5,000,000 won due to the discount limit of 600,000 won. it means. In this case, payment of all 5,000,000 won with one card may be a loss, so it may be beneficial for the user to divide and pay with a plurality of cards.

As such, the controller 180 may recommend a method of dividing the payment into a plurality of cards in consideration of both the usage limit of each card and the benefit limit of each card. In this case, the card may not be held by the user may include an issue recommendation icon 1901. The issue recommendation icon 1901 is the same as described above.

The user may check the split payment method displayed on the display unit 151, and if the final payment is to be made according to the displayed method, the user may touch input the final approval request icon 1920.

When the controller 180 receives a command for selecting the final approval request icon 1920, the controller 180 may transmit a payment request to the server in the same manner as displayed on the display unit 151.

In addition, when the user wants to see a different payment method other than the divided payment method displayed on the display unit 151, the user may select a different method by selecting the tab 1910.

As shown in FIG. 20, the controller 180 may display, on the display unit 151, a method of dividing and paying the cards having the best card benefits in the user's own card.

Next, referring to FIG. 21, the card segment payment recommendation method composed only of the installment profit will be described.

As shown in FIGS. 19 and 20, the controller 180 may display, on the display unit 151, a divided payment method composed only of installment profits, not a divided payment method composed only of an amount benefit.

This is because if the user needs to pay a high amount of money at once, the user may need to divide the card payment in consideration of the installment profit, not the amount benefit, in order to reduce the card burden.

For example, the controller 180 may recommend a method of paying as much as possible with a card to which interest-free installment is applied. However, there may be cases where you cannot pay all with one card due to the card usage limit. As shown in FIG. 21, when the amount to be paid is 5,000,000 won or the usage limit of the AA card to which the interest-free installment is applied is remaining 4,500,000, the controller 180 pays within the remaining usage limit to the AA card to which the interest-free installment is applied. For the remaining amount, it is recommended to pay with a low installment interest card.

Next, a split payment recommendation method according to user customization will be described with reference to FIG. 22.

The user may set the priority of the card benefits to be applied to the mobile terminal 100 arbitrarily. The controller 180 may display the split payment recommendation method according to the set information on the display unit 151. For example, the user may set interest-free installment benefit as the priority of the card benefits as the first priority, and immediately set the discount benefit as the second rank. Accordingly, the controller 180 may recommend a method of making a payment using a BB card having a benefit that is immediately discounted to the remaining amount and using the AA card to which interest-free installment is applied, as shown in FIG. 22. Can be.

As such, a command for setting a card benefit priority may be received from a user in order to apply to the split payment method recommendation. In addition, the card benefit analysis as described with reference to FIGS. 6 to 16 may receive and reflect the card benefit priority setting command from the user.

Next, a method of receiving a card benefit priority setting command will be described with reference to FIG. 23.

The controller 180 may set the card payment priority through the card payment setting screen as shown in FIG. 23.

The controller 180 may display the card payment setting screen on the display unit 151 in response to a command for selecting the setting icon 2300.

The card payment setting screen may be displayed through the setting icon 2300, but the display unit 151 through a button (not shown) provided in the mobile terminal 100 or a button (not shown) provided in the remote control apparatus 200. ) May be displayed.

The options that can be set through the card payment setting screen may include at least one or more of a card limit setting, a maximum payment card number setting, and a card benefit priority setting. However, this is only an example and may further include other options applicable to the card payment method.

First, the card limit setting is explained. The card limit setting is an option for excluding some cards from payment. That is, the controller 180 controls the card in which the limit is set so as not to be used as a payment card.

The controller 180 may set the card limit through the card limit setting item 2310. The controller 180 may set some of the cards held by the user to be excluded from the recommendation card. Therefore, the card limit setting item 2310 may display a list of cards stored in the memory 170.

The controller 180 may select on or off for each card displayed on the display unit 151 to include or exclude the card payment recommendation object. In more detail, the controller 180 may include a card set to on in a card payment recommendation target. The controller 180 can exclude the card set to off to the card payment recommendation target. If the card payment is excluded from the recommendation, the card may not be included in the card payment recommendation screen.

According to the example shown in Fig. 23, the AA card, the BB card and the CC card are set to on, and the DD card is set to off. Therefore, according to this example, the controller 180 may recommend the combined payment method including the AA card, the BB card, and the CC card to display on the display unit 151. The controller 180 may not display a payment method including a part of the DD card on the payment recommendation screen.

Using the card restriction setting item has an effect of automatically preventing payment to a specific card when the user does not want to pay with a specific card for a while.

Next, the maximum payment card number setting will be described. Setting the maximum number of payment cards is an option for limiting the number of cards used for one-time payment. This is to prevent too many cards from being divided into one payment. That is, the controller 180 controls to prevent the recommendation of a method of making a payment by dividing into a number of cards exceeding the set number.

The controller 180 may limit the number of payment cards through the maximum payment card number setting item 2320. In detail, the controller 180 may receive a command for selecting one of the numerical items displayed on the maximum payment card number setting item 2320. The controller 180 may set the selected number as the maximum number of payment cards. The controller 180 recommends a payment method configured only with a number less than or equal to the set number, and displays it on the display unit 151. For example, as illustrated in FIG. 23, the controller 180 may receive a command for selecting the number 3 from the maximum payment card number setting item 2320. The controller 180 can set 3 to the maximum number of payment cards. The controller 180 may recommend a payment method using only one card, a payment method by dividing into two cards, or a payment method by dividing into three cards and display it on the display unit 151. That is, the controller 180 does not display the method of making a payment by dividing into four or more cards on the display unit 151.

The maximum payment card number setting option may be used to prevent payment by dividing into too many cards.

Next, the card benefit priority setting will be described. The card benefit priority setting is an option for setting the priority of the card benefit that the user wants to receive. That is, the controller 180 recommends a card payment method based on the set priority.

To this end, the controller 180 may set priority to the card payment recommendation through the card benefit priority setting item 2330. That is, the controller 180 may receive a command for setting the card benefit priority and set the card benefit priority first according to the received command.

The memory 170 may store the received card benefit priority setting information. In detail, the memory 170 may map a plurality of cards for each card benefit and store the lookup table. For example, map AA and FF cards to interest-free installment profit, map BB and EE cards to immediate discounts, map CC cards to cashback benefits, and map DD and GG cards to reward points. Can be stored.

The controller 180 may obtain a card mapped to a card benefit having a high card benefit priority based on the card benefit analysis result and the lookup table. For example, as a result of analyzing the card benefits, it is possible to obtain a payment method that can be immediately discounted amount and a payment method that can receive a deposit benefit. At this time, the controller 180 may immediately select one of the cards mapped to the card benefits, the card benefit priority is set high regardless of the discount amount and the amount of the reserve. The display unit 151 may display a payment method using a card set as a high priority.

Alternatively, the controller 180 may automatically select another card based on the result of analyzing the card benefit and the card benefit priority setting information, cancel the previously performed payment and perform payment to another card.

As shown in FIG. 23, the controller 180 may set the first priority as a priority of the card benefits, the second rank as a cashback, and the third rank as point accumulation. Accordingly, the controller 180 may recommend the payment method to the card that can be immediately discounted to the first priority regardless of the amount of benefits and display it on the display unit 151.

In this way, the user can be recommended a card payment method provided with the card benefits required by the user immediately.

As described above with reference to FIG. 23, when there is a card payment setting, the controller 180 may recommend the card payment method by reflecting the set restriction information.

2 will be described again.

The card benefit analysis result as described with reference to FIGS. 6 to 22 may be displayed on the display unit 151.

The controller 180 may receive an input for selecting any one of the cards displayed through the card benefit analysis result (S115).

The controller 180 may receive a command for selecting any one of the displayed cards or any one of the divided payment methods.

The controller 180 determines whether the payment card performed in step S105 and the card selected in step S115 are the same card (S117).

If the determination result is the same card, the controller 180 can transmit a final approval request to the server (S119). In this case, the final authorization request may include a message that the payment card will not be changed. Accordingly, the controller 180 may complete the payment that was performed.

Alternatively, if the determination result is not the same card, the controller 180 may cancel the payment made in step S105 and repay with the card selected in step S115 (S121).

Next, a method of canceling a previously performed payment and changing a payment card will be described with reference to FIG. 24.

The controller 180 may receive a command for changing a payment card through the card payment recommendation method described with reference to FIGS. 6 to 22. The controller 180 may simultaneously display the information for canceling the payment of the previously paid card and the payment information of the card for repayment on the display 151 based on the received command.

For example, as shown in FIG. 24, the controller 180 can simultaneously display the barcode information 1220 of the prepaid AA card and the barcode information 1230 of the CC card to be repaid on the display unit 151. have.

In the present invention, the bar code information is displayed for the sake of understanding. However, the present invention is not limited thereto, and the magnetic information transmission or the IC chip information transmission may be provided by a method of canceling and repaying the payment. Specifically, when the controller 180 receives a command for selecting a payment card to be changed, the controller 180 controls to transmit the payment cancellation information of the previously paid card to the payment terminal device, and then transmits the payment information of the card to be changed to the payment terminal device. Can be controlled.

In addition, even in the case of payment using NFC or MST loop pay, the controller 180 may control the payment cancellation and repayment to be automatically performed sequentially with one touch input.

Tell the user the process of making a payment In order to inform, the display unit 151 may display a 'payment cancellation in progress' or 'repayment in progress'.

According to this, it is possible to solve the problem that two operations are required to display information of a card to be canceled conventionally and to display information of a card to be changed later. In other words, the card information to be canceled and the card information to be changed are displayed in a single operation, so that the user can conveniently use the card.

In addition, although the controller 180 has previously described that the previously performed payment is canceled first and then re-payment is performed with the selected card, the order of payment cancellation and repayment may be changed. That is, the controller 180 may perform a repayment with the selected card first, and then control to cancel the prepaid payment. This is to prevent a case in which the repayment is not performed because the power of the mobile terminal 100 is turned off when the payment is canceled first.

In addition, the method of changing the payment card by receiving a command for selecting a card to change the payment has been described as an example, but the controller 180 cancels the previously performed payment based on the result of the card benefit analysis and provides a card with a good benefit. You can also make the payment automatically. That is, if the benefit of the previously executed payment card has less benefits than other cards, the controller 180 may pay with another card having better benefits and cancel the previously performed payment.

2 will be described again.

The controller 180 can display the final payment information on the display unit 151 (S123).

Next, an operation of displaying payment card change information will be described with reference to FIGS. 25 to 27.

The controller 180 may display the payment card change information on the display unit 151 when the payment card is changed through the method described above.

First, FIG. 25 is a diagram for describing an operation of displaying payment card change information according to a first embodiment of the present invention.

The controller 180 may display the payment card change information 2510 as the payment card is changed.

The payment card change information 2510 may include a changed card name, a card benefit according to the changed card, and a final payment amount.

In addition, the controller 180 may display information before changing the payment card.

As illustrated in FIG. 26, the controller 180 may display information before changing the payment card and payment card change information 2610. In detail, the controller 180 may display the card name before the payment card is changed, the card name changed along with the benefit of the card before the payment card is changed, the benefit according to the changed card, and the final payment amount.

In addition, the controller 180 may further display an icon for changing the payment card again.

The controller 180 can display the payment card change information 2720 including the payment card rechange icon 2721.

The payment card change information 2720 may simultaneously display the benefits applied when the payment is made with the existing card, the benefits applied when the payment card is changed, and the icon for changing the payment card 2721 at the same time.

According to the example shown in FIG. 27, a 600,000-yen discount, 200,000-won cashback benefit applied to the changed payment card EE card, CC card, and BB card together with the three-month interest-free installment benefit applied according to the existing AA card payment and The 50,000 won discount can be displayed together.

In addition, the controller 180 may receive a command for selecting a payment card re-change icon 2721. The controller 180 may recommend and display a payment method as described with reference to FIGS. 6 to 22 on the display unit 151 when receiving a command for selecting the payment card change icon 2721. The payment card recommendation method that is displayed again may exclude a recently used payment method.

If the user does not like the changed card changing method, the user can use the payment card changing icon 2721. The user may re-pay using an existing payment method through the payment card change icon 2721 or perform payment in another new method.

According to the payment method of the mobile terminal 100 described with reference to FIG. 2, the payment terminal device may store payment related information for a predetermined time. This is to use the stored payment related information when the payment is canceled and re-payed within a certain time. According to this, there is an effect that the payment cancellation and repayment steps can be promptly performed.

In addition, through the method of storing payment related information in the payment terminal device for a predetermined time, payment may be performed offline using the mobile terminal 100 and re-payment may be performed online. This is because it is not necessary to transmit the payment related information stored in the mobile terminal 100 because the payment related information is stored in the payment terminal device for a predetermined time.

In this case, the user has the advantage of canceling the payment and re-paying with another card without having to go back to the offline store.

Next, referring to FIGS. 28 to 29, an operation of receiving and paying card benefit information analyzed by a mobile terminal 100 from a server according to another embodiment of the present invention will be described.

As shown in FIG. 28, the method for the mobile terminal 100 according to an embodiment of the present invention to receive and receive card benefit information analyzed from a server may require two servers. In particular, the first server 2801 may be a server for analyzing card benefit information, and the second server 2802 may be a server of a card company. However, since this is only a setting for dividing and explaining the card benefit information analysis and the role of the card company, the purpose of the present invention may be performed with only one server. That is, one server may perform both the role of the first server 2801 and the role of the second server 2802.

In the present invention, an operation of transmitting and receiving a signal between the mobile terminal 100, the first server 2801 and the second server 2802 will be described as an example.

The second server 2802 transmits the card-specific benefit information and the user's card usage information to the first server 2801, and the first server 2801 sends the card-specific benefit information and the user's card from the second server 2802. The usage information may be received (S201). The first server 2801 may store the received benefit information for each card and the card usage information of the user. Accordingly, since the mobile terminal 100 does not need to store benefit information for each card and card usage information of the user, the mobile terminal 100 may have an effect of saving memory 170 space.

The mobile terminal 100 may perform a provisional payment (S203).

The provisional payment may be a temporary payment to ensure that payment is not approved in the present state, but may be approved in the future by the maximum amount of payment. In other words, when a payment is made, a payment is made in advance so that the amount of the card is applied later and less than the amount paid, or the card is not applied so that the amount is paid later. Can mean.

According to the provisional payment method, it is possible to prevent the hassle of re-payment after cancellation of payment. That is, by including the payment cancellation operation and the re-payment operation in the final payment approval operation, the payment step can be reduced. In addition, there may be an effect that can be organized briefly card details.

The mobile terminal 100 may transmit the performed payment information to the first server 2801, and the first server 2801 may receive the payment information (S205).

The first server 2801 may store the received payment information. Alternatively, the first server 2801 may temporarily store the received payment information and use the card benefit information for analysis.

The first server 2801 may analyze the card benefit using the provisional payment information, the card benefit information, and the user's card use information (S207).

Since the card benefit analysis method is the same as described above, a detailed description thereof will be omitted.

However, when the card benefit analysis is performed in the external server, the mobile terminal 100 should be located in an area where communication is possible. If the mobile terminal 100 is located in an area where communication signals such as Wi-Fi are weak, the card benefit may not be analyzed because the payment information cannot be transmitted to the server.

In this case, the card benefit analysis may be performed as the mobile terminal 100 moves to an area where communication is possible.

The first server 2801 obtains the maximum benefit card based on the card benefit analysis result (S209).

The maximum benefit card may be a card with the largest amount of benefits. Alternatively, the maximum benefit card may be a card having the highest priority benefit according to the set priority. The details of the maximum benefit card are the same as described above.

The first server 2801 determines whether the temporary payment card and the maximum benefit card are the same card (S211).

If the temporary payment card and the maximum benefit card are the same, the first server 2801 may transmit a request for approval of payment to the maximum benefit card to the second server 2802 (S213).

Alternatively, the first server 2801 may transmit a card selection request to the mobile terminal 100 when the temporary payment card and the maximum benefit card are not the same as a result of the determination (S215).

The mobile terminal 100 may display a card change screen on the display unit 151 when the card selection request is received. The card change screen may be a screen including the card payment recommendation method described with reference to FIGS. 6 to 22. Detailed description is the same as described above.

The mobile terminal 100 may receive a command for selecting the final payment card through the card change screen (S217).

The selected final payment card may be one card or a plurality of cards according to a partial payment method.

The mobile terminal 100 transmits a request for approval of payment to the selected final payment card to the first server 2801, and the first server 2801 may receive a request for approval to the final payment card from the mobile terminal 100. There is (S219). In addition, the first server 2801 may transmit a payment approval request for final payment to the second server 2802 again (S221).

The second server 2802 may perform the final payment approval with the requested card in response to receiving the payment approval request with the final payment card (S223). Alternatively, the final payment approval may be performed with the requested card as the payment approval request is received with the maximum benefit card in step S213 (S223).

Therefore, the payment information and the payment information finally approved by the requested card may or may not match.

When the second server 2802 receives the payment approval request to the final payment card through step S221, the second server 2802 may approve payment by the amount according to the final payment card, not the amount according to the payment information. Alternatively, when the second server 2802 receives the payment approval request with the maximum benefit card through step S213, the second server 2802 may perform the final payment approval with the amount according to the payment information.

The second server 2802 may transmit payment approval completion information according to the final payment approval to the first server 2801 (S225).

The first server 2801 may transmit the received payment approval completion information to the mobile terminal 100 (S227).

Alternatively, the second server 2802 may transmit payment approval completion information directly to the mobile terminal 100 without passing through the first server 2801.

The mobile terminal 100 may display the received payment approval completion information on the display unit 151 (S229).

Next, an operation of displaying payment approval completion information will be described with reference to FIGS. 29 to 30.

According to an embodiment of the present disclosure, as shown in FIG. 29, the controller 180 may display only final approval completion information on the display unit 151. In detail, the controller 180 may display only the benefits applied according to the final payment card name and the final payment card on the display unit 151.

In addition, the controller 180 may display the payment card rechanging icon 2910 on the display unit 151 together with the final payment card name and the benefit. A detailed description of the payment card rechanging icon 2910 is the same as described with reference to FIG. 27.

According to an embodiment of the present disclosure, as shown in FIG. 30, the controller 180 may display both the provisional payment information 3001 and the final approval completion information 3002 on the display unit 151.

The provisional payment information 3001 may include the name of the card that performed the provisional payment in step S203 and the benefits thereof.

Final approval completion information 3002 is the same as described with reference to FIG. 29.

According to this, it is possible to easily compare and analyze the benefits according to the card on which the payment has been made and the benefits according to the final payment card.

28 will be described again.

According to another embodiment of the present invention, step S211, step S215, step S217, and step S219 may be omitted.

The first server 2801 may acquire the maximum benefit card in step S209 and immediately transmit a payment approval request to the maximum benefit card to the second server 2802. That is, there may be an effect of helping the user not to worry about which card to change. According to this embodiment, a problem may occur in which a payment is made to a card that the user did not want. In this case, the problem may be solved by including the payment card rechanging icon 2910 illustrated in FIG. 29.

The card payment method using the mobile terminal 100 described above may be applied to a payment method using a white card.

The white card method is a method of inputting information of various cards in a mobile phone application, and then transmitting payment information of a card to be paid from one of the stored information of multiple cards to a single plastic card containing no information.

When paying with a white card, it is possible to analyze card profits of various cards in the mobile terminal 100. Alternatively, when the mobile terminal 100 transmits payment information to an external server when paying with a white card, the external server may analyze card profits of various cards.

The present invention described above can be embodied as computer readable codes on a medium in which a program is recorded. The computer-readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable media include hard disk drives (HDDs), solid state disks (SSDs), silicon disk drives (SDDs), ROMs, RAMs, CD-ROMs, magnetic tapes, floppy disks, optical data storage devices, and the like. This also includes those implemented in the form of carrier waves (eg, transmission over the Internet). In addition, the computer may include the controller 180 of the terminal. Accordingly, the above detailed description should not be interpreted as limiting in all aspects and should be considered as illustrative. The scope of the invention should be determined by reasonable interpretation of the appended claims, and all changes within the equivalent scope of the invention are included in the scope of the invention.

Claims

In a mobile terminal,

A display unit;

A wireless communication unit for receiving data from a server;

A memory for storing card benefit information and payment information of each of the plurality of cards; And

A control unit for performing a first payment with a first card of the plurality of cards and analyzing a card benefit of each of the plurality of cards corresponding to the first payment;

The card benefit information includes payment service information provided by a card company,

Mobile terminal.
The method of claim 1,

The control unit,

Select a second card of the plurality of cards based on the analysis result;

Canceling the first payment and performing a second payment to the second card,

Mobile terminal.
The method of claim 2,

The control unit,

Canceling the first payment and performing the second payment when the card benefit of the first card corresponding to the first payment is less than the card benefit of the second card,

Mobile terminal.
The method of claim 1,

The display unit displays a card benefit of each of the plurality of cards,

The control unit receives a command to select a third card of the plurality of cards, and cancels the first payment and performs a third payment to the third card,

Mobile terminal.
The method of claim 4, wherein

The display unit may further display a card issuing icon on some of the plurality of cards,

The control unit controls to display a card issuing screen when a command for selecting the card issuing icon is received.

Mobile terminal.
The method of claim 1,

The memory further stores card benefit priority setting information,

The controller selects the fourth card based on the analysis result and the card benefit priority setting information.

Canceling the first payment and performing a fourth payment to the fourth card,

Mobile terminal.
The method of claim 6,

The memory maps each of the plurality of cards for each card benefit based on the analysis result and stores them as a lookup table.

The control unit,

When the fourth card is selected, a fourth card is selected from among cards mapped to a card benefit having a high card benefit priority based on the lookup table, and the cancellation of the first payment and the payment to the fourth card are performed. 4 to do the payment,

Mobile terminal.
The method of claim 1,

The control unit,

Select at least two or more cards of the plurality of cards based on the analysis result,

Canceling the first payment and performing a partial payment with the selected at least two cards;

Mobile terminal.
The method of claim 1,

Payment service information provided by the card company,

Including discounts, reserves, cashbacks and installment benefits,

Mobile terminal.
The method of claim 1,

The wireless communication unit receives payment approval information corresponding to the first payment,

The controller analyzes a card benefit of each of the plurality of cards corresponding to the first payment based on the received payment approval information.

The payment approval information includes at least one of a payment date, a payment amount, and a payment place,

Mobile terminal.