KR101085664B1 - Method for performing account of credit card in wireless terminal - Google Patents

Method for performing account of credit card in wireless terminal Download PDF

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Publication number
KR101085664B1
KR101085664B1 KR20050075729A KR20050075729A KR101085664B1 KR 101085664 B1 KR101085664 B1 KR 101085664B1 KR 20050075729 A KR20050075729 A KR 20050075729A KR 20050075729 A KR20050075729 A KR 20050075729A KR 101085664 B1 KR101085664 B1 KR 101085664B1
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KR
South Korea
Prior art keywords
credit card
password
payment
sim
company server
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KR20050075729A
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Korean (ko)
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KR20070021461A (en
Inventor
김동만
김환
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삼성전자주식회사
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Priority to KR20050075729A priority Critical patent/KR101085664B1/en
Publication of KR20070021461A publication Critical patent/KR20070021461A/en
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Publication of KR101085664B1 publication Critical patent/KR101085664B1/en

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Abstract

The present invention relates to a method of performing a credit card payment function in a mobile terminal, and a credit card payment function in a mobile terminal for performing a credit card payment in a mobile terminal having a SIM (US / IMIM) card having a credit card payment function. Relates to how to do it.

In order to achieve this, the method of performing a credit card payment function in a mobile terminal having a SIM (US / IMIM) card having a credit card payment function is selected. Transmitting a password inputted for payment to a credit card company server; Displaying the credit card list through the SIM card when a credit card list is received from the credit card company server due to a coincidence of the password inputted for the credit card payment; If the credit card is selected from the credit card list, the SIM card transmitting a password inputted for use of the credit card to the credit card company server; If a message indicating that the password entered for use of the credit card is matched is received from the credit card company server, the SIM card transmits payment confirmation data to the credit card company server to perform credit card payment. Characterized in that consisting of.

SIM / USIM card, credit card payment, password, credit card company server

Description

How to perform credit card payment function in mobile terminal {METHOD FOR PERFORMING ACCOUNT OF CREDIT CARD IN WIRELESS TERMINAL}

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

2 is a flowchart illustrating a process of performing a credit card payment function in a mobile terminal according to an embodiment of the present invention.

The present invention relates to a method of performing a credit card payment function in a mobile terminal, and a credit card payment function in a mobile terminal for performing a credit card payment in a mobile terminal having a SIM (US / IMIM) card having a credit card payment function. Relates to how to do it.

Currently, various services are added to the mobile terminal, and a credit card function is added to the mobile terminal to allow the user to carry out a credit card payment function through a mobile terminal that is always owned by the user without having to carry a separate credit card. Providing.

In order to perform credit card payment in the mobile terminal, a separate chip for performing credit card payment must be provided in the mobile terminal.

Therefore, in order for a user having a general mobile terminal to perform a credit card payment function through the mobile terminal, a user must purchase a mobile terminal having a separate chip for performing the credit card payment.

Accordingly, an object of the present invention is to provide a method of performing a credit card payment function in a mobile terminal for performing a credit card payment in a mobile terminal having a SIM / USIM card having a credit card payment function.

In the method of performing a credit card payment function in a mobile terminal having a SIM (US / IMIM) card having a credit card payment function for achieving the above object, if the credit card payment is selected in the mobile terminal, the SIM card is Transmitting a password inputted for credit card payment to a credit card company server; Displaying the credit card list through the SIM card when a credit card list is received from the credit card company server due to a coincidence of the password inputted for the credit card payment; If the credit card is selected from the credit card list, the SIM card transmitting a password inputted for use of the credit card to the credit card company server; If a message indicating that the password entered for use of the credit card is matched is received from the credit card company server, the SIM card transmits payment confirmation data to the credit card company server to perform credit card payment. Characterized in that consisting of.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a detailed description of preferred embodiments of the present invention will be given with reference to the accompanying drawings. It should be noted that the same components in the figures represent the same numerals wherever possible.

1 is a diagram illustrating a configuration of a portable terminal according to an embodiment of the present invention, which illustrates a configuration of a portable terminal including a camera.

Referring to FIG. 1, the RF unit 123 performs a wireless communication function of the portable terminal. The RF unit 123 includes an RF transmitter for upconverting and amplifying a frequency of a transmitted signal, and an RF receiver for low noise amplifying and downconverting a received signal. The data processor MODEM 120 includes a transmitter for encoding and modulating the transmitted signal, a receiver for demodulating and decoding the received signal, and the like. The audio processor 125 may configure a codec, and the codec includes a data codec for processing packet data and an audio codec for processing an audio signal such as voice. The audio processor 125 converts and reproduces the digital audio signal received from the data processor 120 through the audio codec or converts the analog audio signal generated from the microphone into a digital audio signal through the audio codec. Performs a function of transmitting to the data processor 120. The codec may be provided separately or included in the controller 110.

The memory 130 may include program memory and data memories. The program memory may store programs for controlling a general operation of the portable terminal and programs for controlling a credit card payment function through the SIM card 170 according to an embodiment of the present invention. The data memory also temporarily stores data generated during the execution of the programs.

The controller 110 controls the overall operation of the mobile terminal. In addition, the controller 110 may include the data processor and a codec. In addition, the control unit 110 controls to perform a credit card payment function through the SIM card 170 according to an embodiment of the present invention.

The SIM / USIM card 170 generally stores a telephone number, a telephone number charge, and various kinds of information. The SIM card 170 may perform a credit card payment function according to an embodiment of the present invention. According to an embodiment of the present invention, the SIM card 170 may perform a payment function through an SAT (SIM Application Toolkit) for providing an additional service to a user.

The camera module 140 includes a camera sensor for capturing image data, converting the photographed optical signal into an electrical signal, and a signal processor for converting the analog image signal photographed from the camera sensor into digital data. Herein, it is assumed that the camera sensor is a CCD sensor, and the signal processor may be implemented by a digital signal processor (DSP). In addition, the camera sensor and the signal processing unit may be integrally implemented or separated.

The image processor 150 performs a function of generating screen data for displaying an image signal output from the camera unit 140. The image processor 150 processes the image signal output from the camera unit 40 in units of frames, and outputs the frame image data according to the characteristics and size of the display unit 160. In addition, the image processor 150 includes an image codec and performs a function of compressing the frame image data displayed on the display unit 160 in a set manner or restoring the compressed frame image data to the original frame image data. The image codec may be a JPEG codec, an MPEG4 codec, a wavelet codec, or the like. It is assumed that the image processor 150 has an On Screen Display (OSD) function, and may output on-screen display data according to a screen size displayed by the control of the controller 110.

The display unit 160 displays an image signal output from the image processor 150 on a screen and displays user data output from the controller 110. The display unit 160 may use an LCD. In this case, the display unit 160 may include an LCD controller, a memory capable of storing image data, and an LCD display device. In this case, when the LCD is implemented using a touch screen method, the LCD may operate as an input unit. The key input unit 127 includes keys for inputting numeric and character information and function keys for setting various functions. In addition, the key input unit 127 may include keys for performing a credit card payment function through the SIM card 170 according to an embodiment of the present invention.

The operation of performing a credit card payment function in the mobile terminal as described above will be described in detail with reference to FIG. 2.

2 is a flowchart illustrating a process of performing a credit card payment function in a mobile terminal according to an embodiment of the present invention.

Hereinafter, an embodiment of the present invention will be described in detail with reference to FIG. 1.

Referring to FIG. 2, when a credit card payment is selected in the mobile terminal, the controller 110 detects this and proceeds to step 201 of requesting a credit card payment from the SIM card 17.

When the credit card payment request is received, the SIM card 170 requests the controller 110 to input a password for credit card payment in step 202. When the password input request is received from the SIM card 170, the controller 110 displays a message requesting a password input on the display unit 160. If a password is input by the user, the controller 110 detects this and transmits the input password to the SIM card 170 in step 203. In this case, the controller 110 may transmit payment target information to the SIM card 170.

When the password is received, the SIM card 170 encrypts the password in step 204 and then proceeds to step 205 of transmitting the encrypted password and payment target information to the credit card company server 200. In step 205, the SIM card 170 transmits the encrypted password and payment target information to the controller 110, and the controller 110 transmits the encrypted password and payment target information to a short message service. It is called) to the credit card company server 200 through.

When the encrypted password is received from the mobile terminal 100, the credit card company server 200 decrypts the encrypted password and determines whether the decrypted password matches the password stored in the database of the credit card company server 200. Proceed.

If the password and the password stored in the database of the credit card company server 200 does not match in step 206, the message notifying that the password does not match to the SIM card 170 of the mobile terminal 100 via the SMS is sent to step 208 Proceed.

However, if the password matches the password stored in the database of the credit card company server 200 in step 206, the credit card company server 200 encrypts the credit card list in step 207, and the encrypted credit card list and the password match. In step 208, a message indicating that the message is sent to the SIM card 170 of the mobile terminal 100 is transmitted.

If a message indicating that the encrypted credit card list and the password match is received, the SIM card 170 decrypts the encrypted credit card list in step 209, and transmits the decrypted credit card list to the controller 110. Proceed to step.

When the credit card list is received, the controller 110 controls the display unit 160 to display the credit card list. If the corresponding credit card is selected by the user from the displayed credit card list, the controller 110 detects it and proceeds to step 211 of transmitting information on the selected corresponding credit card to the SIM card 170.

When the information on the credit card is received, the SIM card 170 proceeds to step 212 for requesting a password input for using the credit card. When a password input request is received from the SIM card 170, the controller 110 displays a message requesting a password input on the display unit 160. When a password for the use of the credit card is input by the user, the controller 110 detects it and proceeds to step 213 of transmitting the input password to the SIM card 170. In this case, the controller 110 may transmit payment target information to the SIM card 170.

When the password for using the credit card is received, the SIM card 170 encrypts the password in step 214 and then proceeds to step 215 in which the encrypted password and payment target information are transmitted to the credit card company server 200. . In step 215, the SIM card 170 transmits the encrypted password and payment target information to the controller 110, and the controller 110 transmits the encrypted password and payment target information to the credit card company server 200 through the SMS. do.

When the password for the use of the credit card is received from the mobile terminal 100, the credit card company server 200 decrypts the password for the use of the encrypted corresponding credit card, the decrypted password and the credit card company server In step 216, it is determined whether passwords stored in the database of 200 match.

If the password and the password stored in the database of the credit card company server 200 does not match in step 216, the password for use of the credit card does not match to the SIM card 170 of the mobile terminal 100 via the SMS. In step 217, the message notifying of the transmission is transmitted.

However, if the password for use of the credit card and the password stored in the database of the credit card company server 200 match in step 216, the credit card company server 200 indicates that the password for use of the credit card is matched. In step 217, a message is transmitted to the SIM card 170 of the mobile terminal 100.

When a message indicating that the password for using the corresponding credit card is matched, the SIM card 170 transmits a message requesting a final payment to the controller 110 in step 218, and the controller 110 displays the display unit 160. Control to display a message requesting final payment.

When the payment confirmation is selected by the user, the controller 110 detects this and transmits a message informing the SIM card 170 of the final payment confirmation. When the message for notifying the final payment confirmation is received, the SIM card 170 transmits the message for notifying the final payment confirmation to the credit card company server 170 in step 220.

When the message for notifying the final payment confirmation is received, the credit card company server 170 proceeds to step 221 in which payment is made for the payment target requested by the user through the mobile terminal 100. When the payment is completed in step 221, the credit card company server 170 transmits a message informing the SIM card 170 of the mobile terminal that the payment is completed in step 222, the sim card 170 to the controller 110 In step 223, a message informing that the payment is completed is performed. Upon receiving the message indicating that the payment is completed, the controller 110 controls the display unit 160 to display a message indicating that the final payment is completed.

Alternatively, if the payment cancellation is selected for the message for requesting the final payment, the payment cancellation process may be performed in steps 219 to 223.

In the above description of the present invention has been described with respect to specific embodiments such as performing a credit card payment through the SIM card provided in the mobile terminal, various modifications can be made without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited by the described embodiments but should be determined by the equivalents of the claims and the claims.

That is, as described above, the present invention provides a method of performing a credit card payment in a mobile terminal, thereby providing a SIM (US / USIM) card without having a chip for performing a separate credit card payment function in the mobile terminal. By using the credit card payment function is effective.

Claims (11)

A method of performing a credit card payment function in a mobile terminal having a SIM / USIM card having a credit card payment function, When the credit card payment is selected in the mobile terminal, the SIM card transmits the password entered for credit card payment to the credit card company server, Displaying a credit card list through the SIM card when a credit card list is received from the credit card company server due to a coincidence of the password inputted for the credit card payment; If the credit card is selected from the credit card list, the SIM card transmits a password inputted for use of the credit card to the credit card company server; If a message indicating that the password entered for use of the credit card is matched is received from the credit card company server, the SIM card transmits payment confirmation data to the credit card company server to perform credit card payment. The method, characterized in that consisting of. According to claim 1, The process of transmitting the password entered for credit card payment to a credit card company server, If the credit card payment is selected in the mobile terminal, the SIM card is a process for requesting a password input for credit card payment; When the password for the credit card payment is input, the SIM card encrypts the input password, and the method comprising the step of transmitting the encrypted password and payment information to the credit card company server. The method of claim 1, When the password for the credit card payment is transmitted to the credit card company server, the server of the credit card company determines whether the password matches the password stored in the database of the credit card company, If the password matches, transmitting the credit card list to the SIM card of the mobile terminal. The method of claim 3, And if the password for the credit card payment is encrypted, decrypting the encrypted password to determine whether it matches the password stored in the database of the credit card company. The method of claim 3, And if the password matches, encrypting the credit card list and transmitting the encrypted credit card list to the mobile terminal. The method of claim 1, wherein displaying the credit card list through the SIM card includes: If the credit card list is encrypted, the SIM card decrypts and outputs the credit card list; And displaying a credit card list output through the SIM card. The method of claim 1, wherein the step of transmitting the password input for use of the credit card to the credit card company server, If the credit card is selected from the credit card list, the SIM card requests a password input for use of the credit card; When the password for the use of the credit card is input, the SIM card encrypts the input password, characterized in that consisting of the process of transmitting the encrypted password and payment information to the credit card company server; The method. The method of claim 1, When the password for the use of the credit card is transmitted to the credit card company server, the server of the credit card company determines whether the password matches the password stored in the database of the credit card company, And if the passwords match, transmitting a message indicating that the passwords for use of the credit card match to the SIM card of the mobile terminal. The method of claim 8, And if the password for use of the credit card is encrypted, decrypting the encrypted password to determine whether it matches the password stored in the database of the credit card company. The method of claim 1, wherein the process of performing the credit card payment, Receiving a message indicating that the password inputted for use of the credit card is matched with the credit card company server, the SIM card displays a final payment request message; And when the final payment request is selected, the SIM card transmits the final payment request data to the credit card company server to perform a credit card payment for a payment target. The method of claim 1, The mobile terminal and the credit card company server is characterized in that for transmitting and receiving information through a Short Message Service (SMS).
KR20050075729A 2005-08-18 2005-08-18 Method for performing account of credit card in wireless terminal KR101085664B1 (en)

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Application Number Priority Date Filing Date Title
KR20050075729A KR101085664B1 (en) 2005-08-18 2005-08-18 Method for performing account of credit card in wireless terminal

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Application Number Priority Date Filing Date Title
KR20050075729A KR101085664B1 (en) 2005-08-18 2005-08-18 Method for performing account of credit card in wireless terminal

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KR20070021461A KR20070021461A (en) 2007-02-23
KR101085664B1 true KR101085664B1 (en) 2011-11-22

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Publication number Priority date Publication date Assignee Title
KR20120097157A (en) * 2011-02-24 2012-09-03 주식회사 하렉스인포텍 Method for managing mobile card
KR101246163B1 (en) * 2011-05-26 2013-03-20 유비벨록스(주) System for simplifying procedure of credit card use, method, usim and mobile phone with application of the same
KR101357856B1 (en) * 2011-11-08 2014-02-06 (주)와이제이인터와이드 Mobile finance transaction system
EP2836971B1 (en) * 2012-04-13 2017-12-13 Mastercard International, Inc. Systems, methods, and computer readable media for conducting a transaction using cloud based credentials
KR101460179B1 (en) 2012-11-28 2014-11-10 에스케이씨앤씨 주식회사 Method for Temporary Payment Card Set-up and Mobile Device using the same

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