KR101100027B1 - Rf device, mobile equipment, smart card for providing related payment information and method thereof - Google Patents

Abstract

The present invention relates to an RF device, a mobile communication terminal, and a smart card technology for providing payment related information. The present invention relates to a non-contact payment with an RF device such as a dongle in an offline store by using a smart card installed or inserted into a mobile communication terminal. If you do, store and manage the information in the smart card to support integrated payment with memberships, coupons, points, etc., rather than simple payment, and additional information and marketing information for payment through RF contact with the RF device. Receiving from the device. According to the present invention, when RF contact is performed between a mobile communication terminal and an RF device regardless of payment in an offline store, the RF device delivers marketing information such as a coupon, an event, an advertisement for the offline store, and the customer Since it can be easily confirmed through the mobile communication terminal, the convenience in use can be greatly increased.

Mobile terminal, RF device, payment, store information, advertisement

Description

RF device, mobile terminal, smart card and method for providing payment related information {RF DEVICE, MOBILE EQUIPMENT, SMART CARD FOR PROVIDING RELATED PAYMENT INFORMATION AND METHOD THEREOF}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment service using a mobile communication terminal. In particular, the present invention relates to a non-contact payment with an RF device such as a dongle in an offline store by using a smart card mounted or inserted into the mobile communication terminal. If you do, store and manage the information in the smart card to support integrated payment with memberships, coupons, points, etc., rather than simple payment, and additional information and marketing information for payment through RF contact with the RF device. An RF device, a mobile communication terminal, a smart card, and a method for providing payment related information suitable for reception from a device.

Recently, various advances in wireless communication services using wireless networks have been provided as computers, electronics, and communication technologies have advanced dramatically. Accordingly, a service provided by a mobile communication system using a wireless communication network is developing not only a voice service but also a multimedia communication service for transmitting data such as circuit data and packet data. It is a trend.

With this trend, mobile communication terminals such as mobile phones have become a necessity of modern people.In addition to the intrinsic function of voice call, various portable digital devices (e.g. camera, MP3, memo function, etc.) ) Are widely available in the form of additional functions.

Meanwhile, as one of the additional functions described above, a payment function using a mobile communication terminal has been developed based on the characteristic that a mobile communication terminal such as a wallet is always carried to a user. In addition, this payment function has been tried a lot in the world, especially in Korea and Japan, and standardized so that the smart card called the Universal Subscriber Identity Module (USIM) must be inserted into the mobile terminal as the 3G wideband code division multiple access (WCDMA) method is used. As a result, mobile payments using the same smart card are faced with an opportunity to become more active.

However, the payment method using smart cards has not been activated much, because it is inconvenient, complicated procedures, and did not provide better functions than plastic credit cards or cash payments.

Conventionally, in order to make a payment with a mobile communication terminal, a payment related program should be executed by executing a payment related program on a mobile communication terminal, pressing a password, and irradiating or contacting infrared rays toward an RF device such as a dongle.

Since then, the mobile prepaid recharging payment system, which can be used for non-contact payment without any additional procedure, has been implemented to contribute to service activation.However, this method is made based on the non-contact method using the existing plastic card. And it could not provide information, and various events through the mobile terminal could not be applied.

In addition, the existing system can be used only for payment itself, and membership, point cards, etc., which can be used to receive discounts and credits at the time of payment, can be presented as a plastic card separately from the mobile terminal or processed with a mobile phone. There was an inconvenience to step on.

In the conventional payment method of a mobile communication terminal operating as described above, a financial transaction is performed at an offline store through a smart card mounted on the mobile communication terminal, and the membership function and coupon information are stored in the smart card. In this case, integrated payment was performed using this.

However, if the smart card does not have previously stored membership and coupon information, ask the staff at the offline store to check the discount information and membership application to check the discount information and coupon information, or the user can directly access the wireless Internet through the mobile terminal. After searching the corresponding offline store, the discount and coupon information of the searched offline store to check the coupon information to download and use, there is a hassle in the procedure, there is a problem that can be added to the cost of the wireless Internet access.

Accordingly, the present invention stores and manages information in a smart card to support integrated payment with membership, coupons, points, etc., rather than simple payment when the mobile communication terminal makes contactless payment with the RF device, and the non-contact of an offline store. The present invention provides an RF device, a mobile communication terminal, a smart card, and a method for providing payment related information through which RF-related contact with an RF device for payment can be provided.

In addition, the present invention, if the RF contact with the mobile communication terminal is performed regardless of the payment by using the RF device for the non-contact payment of the offline store, the marketing information (eg, event promotion, Discount information, free coupon information, etc.), and a customer provides an RF device, a mobile communication terminal, a smart card, and a method for providing payment related information that can be confirmed through the mobile communication terminal.

According to an embodiment of the present invention, an apparatus may include a detector configured to detect an RF contact with an electronic payment terminal that performs an electronic payment with an electronic payment terminal in an offline store, and the mobile communication terminal. A data transmission / reception unit for receiving a plurality of payment means information transmitted from the connection with the detection unit and transmitting payment related information to the mobile communication terminal, a memory unit for storing store information received from the electronic payment terminal; And a controller for reading the plurality of payment means information, comparing the information with the store information, and generating the payment related information to the data transmission / reception unit.

The control unit may further include payment information corresponding to the plurality of payment means information, a terminal information reader for deriving marketing information to be transmitted to the mobile communication terminal, and the payment information transmitted from the terminal information reader. And an information providing unit for generating the payment related information by sorting and converting the marketing information in a predetermined manner.

The controller may be further configured to switch to an electronic payment mode state in which payment request information of the mobile communication terminal is received under the control of the electronic payment terminal in the inquiry mode state in which the payment related information can be transmitted to the mobile communication terminal. It is characterized by.

The memory unit may store, as the store information, at least one of a logo image or video information of the corresponding offline store, an event information list of the offline store, a membership discount list, a coupon information, and an advertisement image or video information. It is characterized by.

According to another embodiment of the present invention, a device includes a plurality of payment means, transmits the plurality of payment means information to the RF device through RF contact with an RF device in an offline store, and at least one of the received payment related information. After the payment is made using the payment method of the smart card for generating the payment history information, the payment is performed when the interworking through the interface, and receives the payment related information from the smart card, input A main control unit for performing payment or storage of the payment related information according to a user control command and receiving the payment history information, and performing display control of the corresponding information, the payment related information transmitted from the main control unit, and It includes a display unit for displaying the payment history information.

The payment related information may include marketing information including at least one of event promotion, discount information, free coupon information, and advertisement information, and payment possible information using the plurality of payment means.

In still another embodiment of the present invention, an apparatus includes an RF unit contacting an RF device in an offline store in a non-contact manner, a plurality of payment means information, and transmits the plurality of payment means information to the contacted RF device. The smart card information unit for transmitting this to the RF unit, the payment unit for performing a payment operation to the plurality of payment means, an interface unit for interfacing the transmission and reception data between the smart card and the mobile communication terminal, the payment related information, and And a card controller for transmitting the payment history information generated through the payment of the payment unit to the mobile communication terminal through the interface unit.

On the other hand, the plurality of payment means, characterized in that it comprises at least one of credit or prepaid card information, membership discount, point or coupon information.

According to an embodiment of the present invention, a method of interfacing with an electronic payment terminal performing electronic payment with a mobile communication terminal in an offline store and storing store information received from the electronic payment terminal, wherein the mobile communication terminal is RF contacted Detecting the case information, reading the plurality of payment means information transmitted from the detected mobile communication terminal, comparing the information with the store information, and generating a comparison result as payment related information; And transmitting the related information to the mobile communication terminal.

The generating may include reading the plurality of payment means information and comparing the information with the store information, payment information corresponding to the plurality of payment means information through the comparison, and marketing information to be transmitted to the mobile communication terminal. And deriving and converting the payment information and the marketing information in a predetermined manner.

The detecting may include: in an inquiry mode in which the payment related information may be transmitted to the mobile communication terminal, switching to an electronic payment mode state in which payment request information of the mobile communication terminal is received by the control of the electronic payment terminal. And detecting the mobile communication terminal.

The store information may include at least one of a logo image or video information of the corresponding offline store, an event information list of the offline store, a membership discount list, a coupon information, and an advertisement image or video information. do.

 Another embodiment method of the present invention includes a plurality of payment means, and when the RF contact with the RF device in the inquiry mode state is performed in the smart card mounted on the mobile communication terminal, the plurality of payment means to the RF device Transmitting information, storing payment information specified in the payment related information received from the RF device in a memory, and when a payment command using the specified payment information is input, the specified payment information and the plurality of payment information. And performing an electronic payment with the RF device based on the payment means.

The payment related information may include marketing information including at least one of event promotion, discount information, free coupon information, and advertisement information, and payment possible information using the plurality of payment means.

In the present invention, effects obtained by representative ones of the disclosed inventions will be briefly described as follows.

According to the present invention, when RF contact is performed between a mobile communication terminal and an RF device regardless of payment in an offline store, the RF device delivers marketing information such as a coupon, an event, an advertisement for the offline store, and the customer moves it. Since it can be easily confirmed through the communication terminal, there is an effect that can greatly increase the convenience in use.

Hereinafter, the operating principle of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, if it is determined that a detailed description of a known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. The following terms are defined in consideration of the functions of the present invention, and may be changed according to the intentions or customs of the user, the operator, and the like. Therefore, the definition should be based on the contents throughout this specification.

The present invention stores and manages information in a smart card so as to support integrated payment with membership, coupons, points, etc., rather than simple payment in the non-contact payment method with the RF device in the mobile communication terminal, and the non-contact type of offline stores When receiving information related to payment through RF contact with an RF device for payment, and RF contact with a mobile terminal is performed regardless of payment, marketing information about the offline store in the RF device (for example, event promotion) , Discount information, free coupon information, etc.), the customer confirms this through the mobile terminal.

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

Referring to FIG. 1, first, the RF unit 110 refers to a comprehensive component of a high frequency processor, an intermediate frequency processor, and a baseband processor, and performs voice and various multimedia data from an external wireless communication network received through an antenna ANT. In the radio communication band frequency is primarily processed, and the intermediate frequency processing to lower it back to a low frequency band, and this is again processed into a signal of the frequency band processable in the main control unit 108. The audio unit 112 modulates the voice signal input through the microphone MIC into a wireless signal under the control of the main control unit 108, and demodulates the received wireless signal and transmits it to the speaker SPK as a voice signal. The key input unit 102 includes a plurality of numeric keys, and generates corresponding key data when the user presses a predetermined key and outputs the corresponding key data to the main control unit 108.

The display unit 106 displays various information of the mobile communication terminal 100 under the control of the main control unit 108, and receives key data generated from the key input unit 102 and various information signals of the main control unit 108. Display. In addition, according to the present invention by displaying the information of the credit card payment history and membership discount, points or coupons used by the user processed by the smart card 150, the user himself or herself smart card 150 of the mobile communication terminal 100 ), You can easily check the success and payment history information.

The main control unit 108 controls the overall operation of the mobile communication terminal 100 in accordance with the operation program stored in the memory unit 104, and when the payment is performed through the smart card 150 according to an embodiment of the present invention, By receiving the payment history information and the payment of membership discounts, points or coupons used at the time of payment from the smart card 150 and controlling it to be displayed on the display unit 106, the mobile terminal user uses the smart card 150. So that you can easily check the payment history information.

The smart card 150 stores various credit card information related to a mobile communication terminal customer and prepaid card information such as mobile cash, membership, points, and coupon information, so that the user pays for the goods or the like. A device for performing the above, may be implemented on the USIM card of the mobile communication terminal 100.

The smart card 150 is an interface 116 for interfacing data transmission / reception between the main control unit 108 and the smart card 150 of the mobile communication terminal 100, the smart card information unit 120, The integrated payment unit 122, payment unit 124, RF unit 126, memory unit 128 and the like.

The payment unit 124 enables the credit communication or the prepaid payment through the payment means selected by the customer in the mobile communication terminal 100.

The integrated payment unit 122 manages various coupon information and membership card, point card, etc. registered to the user of the mobile communication terminal 100, which is an additional payment method, and when the payment unit 124 is credited or prepaid Search for membership discounts, points or coupon information that can be used together with the payment method, and provide them to the payment unit 124 so that membership discounts, points or coupon information can be used during credit or prepayment.

The smart card information unit 120 may be a USIM card, and supports services such as authentication, charging and accounting, and security functions of the mobile communication terminal user. In addition, the information is transmitted to the payment unit 124 by mounting an applet capable of supporting each card for various types of credit or prepaid cards, which are registered as a means of payment for use by the user of the mobile communication terminal 100.

2 is a block diagram showing the structure of a smart card information unit according to an embodiment of the present invention.

Referring to FIG. 2, the smart card information unit 120 includes a USIM card applet 202 and an M card applet 204. By including an applet 200 including a membership, a coupon applet 206, a mobile money applet 208, and the like, when the mobile communication terminal 100 performs RF contact with the RF device 300, such applet information Is transmitted to the RF device.

The RF unit 126 performs wireless transmission / reception of premise payment terminal corresponding to a credit inquiry terminal installed in a store where a credit settlement is to be performed using the mobile communication terminal 100 and information for performing credit settlement. When the payment of the applet information of the smart card information unit 120 is performed in a non-contact manner, that is, RF contact with the RF device linked to the electronic payment terminal, the applet information is transmitted to the RF device.

The memory unit 128 includes information such as customer information, credit card information, coupon information, communication protocol, and card issuer of the mobile communication terminal registered in the integrated payment unit 122 and the payment unit 124. Various applications for driving the card 150 and performing electronic payment are stored.

The card controller 118 controls the overall operation of the smart card 150 using the information stored in the memory 128. That is, the card control unit 118 selects one card to be used as a payment method by providing the credit or prepaid card information registered in the payment unit 124 to the user during credit settlement using the mobile communication terminal 100. The card selected by the user is set as the main payment method, so that the payment is made through the corresponding card in the subsequent payment using the mobile communication terminal.

When the RF unit 126 performs RF contact with the RF device in the offline store, payment related information including marketing information may be received from the RF device, and the received information is displayed through the display unit 106.

When a specific payment method is selected, the card control unit 118 performs payment in connection with the integrated payment unit 122 or the payment unit 124 through the selected payment method. Subsequently, when the payment is made, the payment history information on which the payment is performed using the membership discount, the point or the coupon is transmitted to the main control unit 108 of the mobile communication terminal 100 through the interface unit 116, and then through the display unit 106. By allowing the payment details to be displayed, the customer of the mobile communication terminal 100 can easily check the payment details through the screen of the display unit 106.

3 is a block diagram illustrating a structure of an RF device according to an embodiment of the present invention.

Referring to FIG. 3, the RF device 300 performs a contactless payment function such as a dongle, and functions as a contactless payment using the mobile communication terminal 100 in conjunction with an electronic payment terminal corresponding to a POS in an offline store. And, in the inquiry mode other than the payment mode to transmit payment-related information including marketing information to the mobile terminal 100, the detector 302, the display unit 304, the data transmitting and receiving unit 306 speaker ( 308, a memory 310, a controller 320, and the like, wherein the controller 320 includes a terminal information reader 322, an information provider 324, and the like.

When the sensing unit 302 recognizes the RF contact performed by the mobile communication terminal 100 in a non-contact manner, the sensing unit 302 transmits the RF contact to the control unit 320. That is, the performing function varies depending on whether the RF device 300 is in the inquiry mode or the electronic payment mode. The display unit 304 variously displays a contact state, a payment mode, an inquiry mode, etc. on the LCD, LED, etc. based on the display signal transmitted from the controller 320.

The data transmitting / receiving unit 306 is an applet information transmitted from the smart card information unit 120 of the mobile communication terminal 100 when the mobile communication terminal 100 performs RF contact while the RF device 300 is in the inquiry mode. Alternatively, payment information is received, and the received information is transmitted to the controller 320. In addition, when there is payment related information to be transmitted to the RF contacted mobile communication terminal 100 is transmitted to the mobile communication terminal 100 through the data transmission and reception unit 306.

The speaker 308 may be used in conjunction with the display unit 304, and may also variously output the contact state, the payment mode, the sound and the voice for the inquiry mode, and the like based on the sound output signal transmitted from the controller 320. do. The memory unit 310 stores an application for data transmission and reception with the mobile communication terminal 100 and an information received from an electronic payment terminal, and the stored information is as follows.

1) The logo image or video of your local store

2) Event information list and contents of the store during the period

3) List of membership discount information of the store during the period

4) List of coupon information available for the period

5) Coupon to deliver to customers viewing during that time period

6) Ad image or video to show to customers

Meanwhile, the RF device 300 basically has a function of reading customer payment information in the smart card information unit 120 of the mobile communication terminal 100 by receiving an instruction from the electronic payment terminal through an RF signal. This is performed by the controller 320 based on the detector 302 and the data transceiver 306. The customer payment information received through the RF contact is transmitted to the terminal information reader 322 to make a payment at the current store. After reading possible cards, points, membership information, mobile cache, and the like, the read information is transferred to the information providing unit 324 to align and convert the information read by the information providing unit 324 in a manner set by a user. The data communication unit 306 transmits the data to the mobile communication terminal 100.

4 is a diagram illustrating a configuration of a payment related information providing system for receiving payment related information using a mobile communication terminal according to an embodiment of the present invention.

Referring to FIG. 4, the mobile communication terminal 100 customer may check the payment information and marketing information (eg, event information, coupon information, advertisement, etc.) available at an offline store visited before payment. The contact will be performed.

In this case, since the RF device 300 receives and stores payment information and marketing information that can be used in an offline store from the electronic payment terminal 402, the smart card 150 may be used for RF contact with the mobile communication terminal 100. The customer-related payment information received from the mobile terminal 100 transmits payment related information including marketing information suitable for the customer to the mobile communication terminal 100.

The payment related information transmitted to the mobile communication terminal 100 is displayed on the screen 406 through the display unit 106. That is, since the payment means available in the offline store, that is, the merchant, is shown in the form of a check, when the user clicks the checked payment method, the smart card 150 sets the selected credit card as the payment method and the electronic payment terminal ( For example, the payment request is waited from the POS or credit authorization terminal (CAT) 402.

In this case, the RF device 300 which is an RF signal transmitter / receiver interworking with the electronic payment terminal 402 of the offline store, waits for a payment request signal for the item purchased by the user.

Then, the smart card 150 performs a contactless payment using a means designated as a payment means according to the payment request, so that the RF device receives the payment request signal transmitted from the smart card 150 through the contactless and electronically. Transfer to payment terminal 402.

Accordingly, the electronic payment terminal 402 requests payment approval for the payment method from the service providing server 404 at a remote location through the value added network (VAN) network.

Subsequently, when the payment for the corresponding payment method is normally approved from the service providing server 404, the electronic payment terminal 402 normally performs the payment using the mobile communication terminal 100, and transmits the payment information through the RF device. The payment history information is transmitted to the terminal 100.

As such, when the mobile terminal 100 receives payment history information, the smart card 150 transmits the received credit payment history information to the mobile terminal 100 to display the payment history information through the display unit 106. By being displayed, the customer of the mobile communication terminal 100 can easily check the payment history performed by the payment means selected by the user through the screen of the display unit 106.

5 is a flowchart illustrating an operation procedure according to RF contact between a mobile communication terminal and an RF device according to an embodiment of the present invention.

Referring to FIG. 5, the electronic payment terminal 402 transmits the payment related information in the offline store to the RF device 300 in step 502, and the RF device 300 stores the received payment related information in step 504. It is stored in the unit (128). At this time, the RF device 300 maintains the inquiry mode state rather than the payment mode.

Accordingly, the mobile communication terminal 100 performs RF contact with the RF device 300 in the offline store in step 506. When the RF device 300 detects RF contact of the mobile communication terminal 100 in step 508, In step 510, the smart card information received from the smart card information unit 120 of the mobile communication terminal 100 is received. Therefore, the RF device reads the received smart card information in the terminal information reading unit 322 in step 512. Through the comparison with the payment information in the offline store in step 514, the marketing information, payment information, etc. suitable for the customer is determined, and the information providing unit 324 sorts and converts the determined information into a predetermined format to perform the 516 In the step, the payment related information suitable for the customer is transmitted to the mobile communication terminal 100 of the customer.

Accordingly, the mobile communication terminal 100 receives payment related information. For example, when the coupon information is received, the mobile communication terminal 100 receives a payment request in step 518. If the customer clicks the "Apply later" button, Since the coupon will be used for payment, the coupon information is stored in the memory unit 128 in step 520.

On the other hand, if the customer clicks the "pay immediately" button in step 518 proceeds to step 522 to proceed with the payment using the payment-related information, that is, the coupon.

6 is a diagram illustrating a display screen of coupon information according to RF contact with an RF device in a mobile communication terminal according to an embodiment of the present invention.

Referring to FIG. 6, as in (a), the mobile communication terminal 100 has a mobile cache of 25,000 won, and at this time, performs RF contact with the RF device 300 interworking with the electronic payment terminal 4023. In this case, the RF device 300 receives the smart card information from the smart card information unit 120 of the mobile communication terminal 100.

Thus, payment related information including marketing information suitable for the customer is provided to the customer through reading of the received smart card information and comparison with offline store information.

In the RF device 300, first, as an advertisement of an offline store as in (b), it is possible to transmit the logo animation and sound effects, etc. to the mobile communication terminal 100, and then in (c) through the automatic screen switching As such, payment information related to the customer is transmitted.

That is, after providing all the discount information in the store, it is also possible to present the discount information available to the customer through a check mark, or only present information available to the customer.

FIG. 7 is a diagram illustrating a screen for performing payment based on coupon information according to RF contact with an RF device in a mobile communication terminal according to an embodiment of the present invention.

When the user selects the coupon information as shown in FIG. 6C, the coupon information is transmitted to the mobile communication terminal 100 as shown in FIG. 7D, and the coupon is sent through the image effect. Can be effective. Afterwards, the transmitted coupon appears as shown in (e), and asks whether the coupon is to be used immediately or later.

In this case, when the customer clicks the immediately used button for immediate use, if the RF contact is made to the RF device 300 in the form of the available barcode information or the usable image as in (f), the corresponding coupon when the product is paid for Proceed with the payment, including the information, the used coupon is deleted from the mobile communication terminal (100).

When the customer clicks the use button later in (e), it is stored in the memory unit 128 of the mobile communication terminal 100, and a check mark may be selected for the added coupon as in (g).

8 is a diagram illustrating a display screen of payment information according to RF contact with an RF device in a mobile communication terminal according to an embodiment of the present invention.

Referring to FIG. 8, the customer may confirm that the mobile cache has a state of 25,000 won as shown in (a) through the display unit 106 of the mobile communication terminal 100. In this case, the RF contact with the RF device 300 is performed. When performing, the information may be provided by performing interworking with the electronic payment terminal 402.

That is, the RF device 300 provides information by reading information on its own, or whenever the mobile communication terminal 100 contacts the RF device 300, the RF device 300 moves from the electronic payment terminal 402. It will provide payment related information including new customer information and marketing information.

At this time, the screen of the electronic payment terminal 402 may display a screen such as "inquiry of information of OOO customers."

Accordingly, the mobile communication terminal 100 may receive, from the RF device 300, carrier membership discount information, point deduction discount information, coupon information, and the like, as in (b), and the customer may display the display unit of the mobile communication terminal 100 ( 106) this can be confirmed.

9 is a diagram illustrating a display screen of advertisement information according to an RF contact with an RF device in a mobile communication terminal according to an embodiment of the present invention.

Referring to FIG. 9, the advertisement information transmitted from the RF device 300 may be variously displayed through the display unit 106 of the mobile communication terminal 100. That is, when a video advertisement is received as in (a), it may be played on the mobile communication terminal 100, and as in (b), an image advertisement may be received. This may be the case where the user wants to receive the advertisement and the image, or the advertisement is allowed to be received.

And when receiving a text advertisement as in (c), or a feedback survey advertisement as in (d), between the mobile terminal 100 and the RF device 300 or between the mobile terminal 100 and the designated Internet. Sending and receiving information to and from the server may induce a user to participate in an event through an advertisement.

10 is a diagram illustrating a display method of advertisement information according to RF contact with an RF device in a mobile communication terminal according to an embodiment of the present invention.

Referring to FIG. 10, when an RF contact of the mobile communication terminal 100 occurs in the standby mode, that is, the inquiry mode, the RF device 300 performs loading by performing inquiry information loading. As shown in (a), the advertisement of the offline store may be transmitted to the mobile communication terminal 100 and displayed on the display unit 106 of the mobile communication terminal 100. In addition, an advertisement may be provided to the preset advertisement area 1000.

As described above, the present invention stores and manages information in a smart card so as to support integrated payment with membership, coupons, points, etc., rather than simple payment in the non-contact payment method with the RF device in the mobile communication terminal, offline If you receive payment-related information through an RF contact with an RF device for a non-contact payment of a store, and RF contact with a mobile communication terminal is performed regardless of the payment, marketing information about the offline store in the RF device By passing the customer confirms this via the mobile terminal.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments, but is capable of various modifications within the scope of the invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the scope of the following claims, but also by those equivalent to the scope of the claims.

As described above, the system and method for providing payment related information according to the present invention, coupons, events, advertisements, etc. for the offline store from the RF device through the RF contact between the mobile communication terminal and the RF device regardless of the payment in the offline store It is possible to use the electronic payment terminal and the RF device for marketing, because it can receive the marketing information of the payment and perform payment, advertising, etc. based on this, it is suitable for providing a variety of services to the user.

1 is a block diagram showing the structure of a mobile communication terminal according to an embodiment of the present invention;

2 is a block diagram showing the structure of a smart card information unit according to an embodiment of the present invention;

3 is a block diagram showing the structure of an RF device according to an embodiment of the present invention;

4 is a diagram illustrating a configuration of a payment related information providing system for receiving payment related information using a mobile communication terminal according to an embodiment of the present invention;

5 is a flowchart illustrating an operation procedure according to RF contact between a mobile communication terminal and an RF device according to an embodiment of the present invention;

6 is a view showing a display screen of coupon information according to the RF contact with the RF device in the mobile communication terminal according to an embodiment of the present invention;

7 is a diagram illustrating a screen for performing a payment based on coupon information according to RF contact with an RF device in a mobile communication terminal according to an embodiment of the present invention;

8 is a diagram illustrating a display screen of payment information according to RF contact with an RF device in a mobile communication terminal according to an embodiment of the present invention;

9 is a diagram illustrating a display screen of advertisement information according to RF contact with an RF device in a mobile communication terminal according to an embodiment of the present invention;

10 is a diagram illustrating a display method of advertisement information according to an RF contact with an RF device in a mobile communication terminal according to an embodiment of the present invention.

<Explanation of Signs of Major Parts of Drawings>

120: smart card information unit 300: RF device

302: detection unit 304: display unit

306: data transceiver 308: speaker

310: memory unit 320: control unit

322: terminal information reader 324: information provider

Claims (14)

A detector for detecting an RF contact with an electronic payment terminal that performs an electronic payment with a mobile communication terminal in an offline store; A data transmission / reception unit configured to receive a plurality of payment means information transmitted from the mobile communication terminal in association with the detection unit, and transmit payment related information including marketing information and payment information to the mobile communication terminal; A memory unit storing store information received from the electronic payment terminal; A control unit which reads the plurality of payment means information, compares the information with the store information, generates the payment related information based on a corresponding result, and transmits the payment related information to the data transmission / reception unit; RF device for providing payment-related information comprising a. The method of claim 1, The control unit, A terminal information reading unit for deriving the payment information corresponding to the plurality of payment means information and the marketing information to be transmitted to the mobile communication terminal through the comparison; An information providing unit generating the payment related information by sorting and converting the payment information and the marketing information transmitted from the terminal information reading unit in a predetermined manner. RF device for providing payment-related information comprising a. The method of claim 1, The control unit, In the inquiry mode in which the payment related information can be transmitted to the mobile communication terminal, the payment related information is switched to an electronic payment mode state in which payment request information of the mobile communication terminal is received by the control of the electronic payment terminal. Informational RF device. The method of claim 1, The memory unit, As the store information, at least one of a logo image or video information of the corresponding offline store, an event information list of the offline store, a membership discount information list, a coupon information, and an advertisement image or video information is stored. RF device that provides relevant information. And a plurality of payment means, transmitting the plurality of payment means information to the RF device through an RF contact with an RF device in an offline store, and marketing information and payment information corresponding to the plurality of payment means information from the RF device. Receiving payment-related information, including, and performing a payment by using at least one payment means specified in the payment-related information, and when a smart card for generating payment history information on which payment has been mounted is equipped, through the interface When the interworking is performed and the payment related information is received from the smart card, the payment or storage of the payment related information is performed according to an input user control command, and when the payment history information is received, the corresponding information is displayed. A main control part that performs control, Display unit for displaying the payment related information and payment history information transmitted from the main control unit A mobile communication terminal providing payment related information including a. The method of claim 5, The payment related information, And a marketing information including at least one of event promotion, discount information, free coupon information, and advertisement information, and payment information using the plurality of payment means. An RF unit contacting the off-line RF device in a non-contact manner, A smart card information unit having a plurality of payment means information and transferring the information to the RF unit to transmit the plurality of payment means information to the contacted RF device; A payment unit for performing a payment operation with the plurality of payment means; An interface unit for interfacing the transmission / reception data between the smart card and the mobile communication terminal; When the RF unit receives and transmits payment related information including marketing information and payment information corresponding to the plurality of payment means information from the RF device, the payment unit controls the at least one payment means based on the payment information. A card control unit for performing a payment using the payment information and transmitting the generated payment history information to the mobile communication terminal through the interface unit. Smart card providing payment-related information comprising a. The method of claim 7, wherein The plurality of payment means, Smart card for providing payment-related information comprising at least one of credit card or prepaid card information, membership discounts, points or coupon information. Storing store information received from the electronic payment terminal in connection with an electronic payment terminal that performs electronic payment with the mobile communication terminal in an offline store; Detecting when the mobile communication terminal performs an RF contact; Reading a plurality of payment means information transmitted from the detected mobile communication terminal, comparing the information with the store information, and generating a corresponding result as payment related information including marketing information and payment information; Transmitting the payment related information to the mobile communication terminal; Payment related information providing method comprising a. The method of claim 9, The process of generating, Reading the plurality of payment means information and comparing with the store information; Deriving payment information corresponding to the plurality of payment means information and marketing information to be transmitted to the mobile communication terminal through the comparison; The process of sorting and converting the payment information and marketing information in a predetermined manner Payment related information providing method comprising a. The method of claim 9, The detecting process, In the inquiry mode in which the payment related information can be transmitted to the mobile communication terminal, the mobile communication terminal is switched to an electronic payment mode in which payment request information of the mobile communication terminal is received by the control of the electronic payment terminal. Payment related information providing method, characterized in that. The method of claim 9, The store information, And at least one of a logo image or video information of the corresponding offline store, an event information list of the offline store, a membership discount list, a coupon information, and an advertisement image or video information. Transmitting a plurality of payment means information to the RF device when an RF contact with an RF device in an inquiry mode is performed in a smart card mounted on a mobile communication terminal, the device having a plurality of payment means; Comparing the plurality of payment means information with store information and storing the payment related information including the marketing information corresponding to the payment information and the designated payment information in the memory when received from the RF device; Performing electronic payment with the RF device based on the designated payment information and the plurality of payment means when a payment command using the specified payment information is input; Payment related information providing method comprising a. The method of claim 13, The payment related information, Method for providing payment related information, characterized in that it comprises marketing information including at least one of event promotion, discount information, free coupon information, advertising information, and billable information using the plurality of payment means.

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