KR101135569B1 - Mobile Communication Terminal and Method for Providing Payment Lock Function - Google Patents

Abstract

The present invention relates to a mobile communication terminal and a method for providing a payment lock function.

According to an aspect of the present invention, there is provided a mobile communication terminal providing a payment lock function, comprising: a payment module unit configured to transmit and receive payment request information and payment completion information by using a near field communication with an affiliated store reader; A payment processing unit that determines whether the payment lock function is set when the payment request information is received from the merchant reader, and generates payment approval information when the payment is approved by the user of the mobile communication terminal; A memory unit for storing software for driving the mobile communication terminal, the payment request information, the payment completion information, and the payment approval information, and storing an authorized certificate issued from an authentication server; A wireless communication unit which transmits the payment approval information to a mobile payment server via a mobile communication network, a WAP gateway and the Internet, and receives the payment completion information generated by the mobile payment server; A key input unit including a key button for setting the payment lock function and a payment release function and a key button for approving the payment; And receiving the payment request information, receiving the payment approval information when the payment lock function is set, generating the payment approval information, and transmitting the payment approval information to the mobile payment server, and receiving the payment completion information from the mobile payment server. It provides a mobile communication terminal providing a payment lock function, characterized in that it comprises a microprocessor for controlling the payment lock function to transmit to the merchant reader.

According to the present invention, by providing a small payment lock / unlock function in the mobile communication terminal, there is an effect that the payment of the user of the mobile communication terminal is not intended.

Payment, mobile terminal

Description

Mobile communication terminal and method for providing a payment lock function {Mobile Communication Terminal and Method for Providing Payment Lock Function}

1 is a block diagram showing the internal configuration of a mobile communication terminal providing a payment lock function according to an embodiment of the present invention;

2 is a flowchart illustrating a method of providing a payment lock function according to an exemplary embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

110: payment module unit 120: payment processing unit

130: memory unit 140: wireless communication unit

150: key input unit 160: LCD display unit

170: speaker 180: microprocessor

The present invention relates to a mobile communication terminal and a method for providing a payment lock function. More specifically, the present invention relates to a mobile communication terminal and a method for providing a function of completing payment by receiving payment approval confirmation from a user when a payment lock function is set after receiving payment request information from a merchant reader.

Recently, due to the development of computer, electronic and information communication technologies, the spread of mobile communication terminals has caused most people to carry mobile communication terminals on a daily basis. Mobile communication terminals are being developed from first generation analog terminals to second generation and 2.5 generations, and then to third generation terminals in which smart cards and mobile communication terminals are combined. Smart cards are also referred to as Universal Integrated Circuit Cards (UICCs) and include microprocessor units (MPUs), memory, card operating systems (COS), security algorithms, and electronically erasable programmable read only memory (EEPROM). It has a built-in COB (Chip On Board) card with arithmetic processing and mass storage.

As a smart card with its own arithmetic processing and mass storage and a mobile communication terminal are combined, it is possible to provide a payment service using a mobile communication terminal equipped with an IC chip. Recently, SK Telecom By using the SIM (Subscriber Identification Module) chip type, a smart card, a type of IC card, is mounted inside a mobile communication terminal under the name of 'Moneta ^TM card' to provide a service used as a financial settlement method including payment of public transportation fees. have.

Mobile payment service means providing a payment service by accessing a financial and payment system on a wireless network using a mobile communication terminal such as a mobile phone or a PDA. Initially, the mobile payment service method used a method of transmitting a payment password using an SMS service provided by a mobile communication provider together with user information using subscriber information of a mobile communication terminal. The main fields used are payment, such as access to paid online games and purchase of paid content on the wired Internet.

Currently, the most widely used mobile payment method is a method in which an IC card or a smart card is mounted on a mobile communication terminal and the payment is made by contacting the mobile communication terminal with a reader. In other words, it is a service method in which a chip having functions of various cards such as a credit card, a transportation card, and an electronic money is mounted in a mobile communication terminal, and the payment and payment are made to the mobile communication terminal. When using the memory chip method, the payment is made immediately when the user brings the mobile terminal close to or touches the reader like a credit card.

As described above, the conventional payment method using the mobile communication terminal is made without a user's payment approval procedure, thereby causing a problem in which the user of the mobile terminal does not make the payment.

In order to solve the above problems, the present invention, after receiving the payment request information from the merchant reader, a mobile communication terminal that provides a function to complete the payment by receiving a payment approval confirmation from the user when the payment lock function is set; It is an object to provide a method.

According to a first object of the present invention, there is provided a mobile communication terminal providing a payment lock function, comprising: a payment module unit configured to transmit and receive payment request information and payment completion information using an affiliated store reader and short-range wireless communication; A payment processing unit that determines whether the payment lock function is set when the payment request information is received from the merchant reader, and generates payment approval information when the payment is approved by the user of the mobile communication terminal; A memory unit for storing software for driving the mobile communication terminal, the payment request information, the payment completion information, and the payment approval information, and storing an authorized certificate issued from an authentication server; A wireless communication unit which transmits the payment approval information to a mobile payment server via a mobile communication network, a WAP gateway and the Internet, and receives the payment completion information generated by the mobile payment server; A key input unit including a key button for setting the payment lock function and a payment release function and a key button for approving the payment; And receiving the payment request information, receiving the payment approval information when the payment lock function is set, generating the payment approval information, and transmitting the payment approval information to the mobile payment server, and receiving the payment completion information from the mobile payment server. It provides a mobile communication terminal providing a payment lock function, characterized in that it comprises a microprocessor for controlling the payment lock function transmitted to the merchant reader.

According to a second object of the present invention, in a method for providing a payment lock function in a mobile communication terminal, (a) payment request information including at least one of a merchant name, order product, price, quantity and order status information from a merchant reader; Receiving; (b) determining whether the payment lock function is set; (c) if it is determined in step (b) that the payment lock function is set, displaying the payment request information; (d) determining whether payment is approved by a user of the mobile communication terminal; (e) generating payment approval information and transmitting the generated payment approval information to the mobile payment server when it is determined that the payment has been approved; And (f) receiving payment completion information including at least one of a payment code, a payment date, and a payment amount from the mobile payment server. .

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used as much as possible even if displayed on different drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

1 is a block diagram showing the internal configuration of a mobile communication terminal providing a payment lock function according to an embodiment of the present invention.

The mobile communication terminal 100 providing a payment lock function according to an exemplary embodiment of the present invention includes a payment module unit 110, a payment processing unit 120, a memory unit 130, a wireless communication unit 140, and a key input unit ( 150, an LCD output unit 160, a speaker 170, and a microprocessor 180.

The payment module unit 110 transmits and receives payment request information and payment completion information with the affiliated store reader through a predetermined wireless method. That is, the payment module 110 may exchange various information including payment request information and payment completion information between the merchant reader and the mobile communication terminal 100.

For example, when a user orders food in a restaurant, the restaurant employee inputs the order details in the merchant reader and transmits the payment request information including the order details to the mobile terminal 100 through the short range wireless communication module located in the merchant reader. . Thereafter, when the user receives the food ordered by the user, the mobile terminal 100 transmits payment request information for requesting payment through a predetermined mobile payment procedure using the order information. When the mobile communication terminal 100 completes payment through a mobile payment server (not shown), the mobile terminal 100 transmits payment completion information indicating that the payment is completed to the affiliated store reader.

The payment module unit 110 includes a short range wireless communication module, and the short range wireless communication module includes an Infrared Data Association (IrDA) module, a Bluetooth module, a Zigbee module, and an ultra wideband communication (UWB). It is characterized by using one module from the Wide Band) module.

Infrared communication is a communication technology that transmits data wirelessly at a short distance by using an infrared ray between visible light and millimeter waves. IrDA uses long-infrared rays, which are excellent in terms of stability, such as no interference with each other or malfunctioning of other devices.

Bluetooth refers to a standard that enables real-time communication in two directions by wirelessly connecting a computer, a mobile communication terminal, and various other electric and electronic devices located in a short distance. Wireless communication connection method can be point to point or multi-point, and the maximum range of communication is 10m. The frequency hop design enables devices to communicate smoothly even in areas with high levels of electromagnetic interference, and provides built-in encryption and verification.

Zigbee is based on the IEEE 802.15.4 radio standard. As a foundation technology of near-field communication of 10 ~ 20m in homes, offices, and industrial sites, and ubiquitous computing, which is recently attracting attention, low-power Zigbee transceivers can be combined with sensors (motion, light, pressure, temperature, humidity) for large sensor networks. It can also be configured.

Ultra Wide Band (UWB) is a technology for exchanging data using microwaves, which consumes very little power, and has a short transmission distance of about 10 m. However, the transmission speed is high, enabling wireless networking technology to realize a home networking system or ubiquitous environment. It is attracting attention as. The UWB signal can have a very small power density value by using a wide frequency band, and thus little interference occurs even when the communication signal overlaps with a frequency where other communication signals exist.

Therefore, it is preferable that the payment module unit 110 select the most efficient method in consideration of cost, speed, and use environment among the infrared communication module, the Bluetooth module, the Zigbee module, and the ultra-wideband communication module.

The payment processor 120 processes payment request information and payment completion information. The payment request information includes one or more of company name, order product, price, quantity, and order status information, and the payment completion information includes one or more of payment code, payment date, and payment amount information.

The payment processor 120 according to the present invention provides a payment lock function. When receiving the payment request information from the merchant reader while the payment lock function is set by the user of the mobile communication terminal 110, after displaying the payment request information through the LCD output unit 170, whether the user accepts payment approval Asks. After the user approves the payment, that is, when the user receives a payment approval allowance operation including an operation of inputting a password or payment approval hot key, the payment request information is approved. The payment processor 120 generates payment approval information and transmits the payment approval information to the mobile payment server (not shown) through the wireless communication unit 140.

Meanwhile, when the payment processing unit 120 receives the payment request information from the merchant reader while the payment lock function is released, the payment processing unit 120 approves the payment for the payment request information, generates payment approval information, and transmits it to the mobile payment server. .

In addition, the payment processing unit 120 stores the order information, payment request information and payment approval information in the memory unit 130. In addition, the payment processing unit 120 divides the details of the order information, payment request information and payment approval information stored in the memory unit 130 by the payment amount and date so that the user can easily check through the mobile communication terminal 100. do.

The memory unit 140 stores software for driving the mobile communication terminal 100 and driving various functions of the mobile communication terminal 100 and protocol software for modulating and demodulating data and voice signals transmitted and received through the mobile communication network. Storage means. To this end, the memory unit 140 is a non-volatile memory, and EEPROM (Electrically Erasable and Programmable Read Only Memory) that can modify the contents in byte units or Flash memory that can modify the contents in blocks. ) And SDRAM (Synchronous Dynamic Random Access Memory).

In addition, the memory unit 140 according to a preferred embodiment of the present invention stores order information, payment request information, payment approval information, and an authorized certificate. The accredited certificate is a kind of electronic signature used to verify the user's identity in online financial transactions through the Internet, and plays a role similar to the seal stamp used in important transactions in daily life. When the mobile communication terminal 100 accesses an authentication server (not shown), inputs personal information and a password, and agrees to the terms, the mobile communication terminal 100 may be issued an authorized certificate through the wireless communication unit 140.

The wireless communication unit 140 encodes or decodes a voice signal, performs an equalizer function to remove multipath noise, and performs a digital signal processing function for performing an acoustic data processing function, and converts a signal to be transmitted and received into a baseband signal. Baseband conversion function that performs Digital to Analog Conversion (DAC) and Analog to Digital Conversion (ADC); receives RF (Radio Frequency) signals and converts them into IF (Intermediate Frequency) signals Converts the IF signal into an RF signal, performs an RF signal processing function for demodulating and amplifying the RF signal, an antenna function for transmitting and receiving a wireless signal in the air, and includes a voice call, a data communication, and a transmission and reception of an SMS message. Wireless communication processing means for processing communication;

The wireless communication unit 140 according to a preferred embodiment of the present invention transmits payment approval information to a mobile payment server (not shown) via a mobile communication network, a WAP gateway, and the Internet, and receives payment completion information from the mobile payment server. Do it. In addition, the wireless communication unit 140 receives a public certificate from the authentication server.

The key input unit 150 includes a plurality of numeric / letter key buttons capable of receiving numbers and letters and function key buttons for driving various functions of the mobile communication terminal 100 to use the mobile communication terminal 100. Key input means for receiving a key or command from a user. The key input unit 150 according to the preferred embodiment of the present invention includes a payment lock / release key button and a payment approval permission key button or receive a payment lock / release command and a payment approval permission command from a user.

The LCD display unit 160 displays an operation state of the mobile communication terminal 100 including a state of use of a battery, a reception strength of radio waves, a date, a time, and the like. The LCD display unit 160 according to an exemplary embodiment of the present invention displays payment request information and payment completion information.

The speaker 170 converts and outputs voice data into an audible sound, and the speaker 170 according to a preferred embodiment of the present invention receives payment request information from a merchant reader and payment completion information from a mobile payment server. It outputs a predetermined beep sound for the user to recognize.

The microprocessor 180 is a control means for controlling the overall operation of the mobile communication terminal 100, the basic function for performing voice and data communication in accordance with the signal input from the key input unit 150 or the wireless communication unit 140 Rather, it executes various software stored in the memory unit 130 to perform additional functions.

Microprocessor 180 according to a preferred embodiment of the present invention is issued an authentication certificate from the authentication server and stored in the memory unit 130, and receives the payment request information from the merchant reader through the payment module unit 110 LCD display unit Display through 160. Thereafter, when the payment processing unit 120 approves the payment, the microprocessor 180 transmits the payment approval information to the mobile payment server through the wireless communication unit 140, receives the payment completion information from the mobile payment server, and displays the LCD display unit. Display through 160 and send to merchant reader.

2 is a flowchart illustrating a method of providing a payment lock function according to an exemplary embodiment of the present invention.

The mobile communication terminal 110 accesses an authentication server, enters personal information and a password, agrees to the terms, receives a certificate and stores it in the memory unit 130 (S210).

When the user of the mobile communication terminal 110 orders food in a restaurant or uses public transportation, the user receives payment request information from a merchant reader (S220). The payment request information includes one or more of a business name, order product, price, quantity, and order status information.

The mobile communication terminal 110 determines whether the payment lock function is set (S230). The payment lock function is set by a payment lock / release key button included in the key input unit 150 or by a payment lock / release command input through the key input unit 150.

If it is determined in step S230 that the payment lock function is set, the payment request information is displayed on the LCD display unit 160 (S240). In this case, a signal sound may be output through the speaker 170 in order to recognize the user that the payment request information has been received.

The mobile communication terminal 110 determines whether the payment is approved (S250). After confirming the payment request information, the user inputs a payment approval key button to determine whether to accept the payment.

When it is determined in step S250 that the payment is approved, the mobile communication terminal 110 generates payment approval information and transmits the payment approval information to the mobile payment server through the wireless communication unit 140 (S260). After receiving the payment approval information, the mobile payment server performs user authentication of the mobile communication terminal 110 and approves the payment through a bank and a card company. The mobile payment server generates payment completion information including at least one of a payment code, a payment date, and a payment amount information.

The mobile communication terminal 110 receives payment completion information from the mobile payment server (S270). The mobile communication terminal 110 transmits the payment completion information to the affiliated store reader through the payment module unit 110 and displays it through the LCD display unit 160.

If it is determined in step S230 that the payment lock function is not set, the mobile communication terminal 110 transmits payment approval information to the mobile payment server (S260), and receives payment completion information from the mobile payment server (S270).

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

As described above, according to the present invention, the mobile communication terminal provides a small payment lock / release function, so that the user of the mobile communication terminal does not make an unintentional payment.

Claims (10)

In the mobile communication terminal providing a payment lock function, A payment module unit configured to transmit and receive payment request information and payment completion information using a merchant reader and short-range wireless communication; A payment processing unit that determines whether the payment lock function is set when the payment request information is received from the merchant reader, and generates payment approval information when the payment is approved by the user of the mobile communication terminal; A memory unit for storing software for driving the mobile communication terminal, the payment request information, the payment completion information, and the payment approval information, and storing an authorized certificate issued from an authentication server; A wireless communication unit which transmits the payment approval information to a mobile payment server via a mobile communication network, a WAP gateway and the Internet, and receives the payment completion information generated by the mobile payment server; A key input unit including a key button for setting the payment lock function and a payment release function and a key button for approving the payment; And When the payment lock function is set to receive the payment request information, the payment approval information is input and the payment approval information is generated and transmitted to the mobile payment server, and the payment completion information is received from the mobile payment server to receive the payment. A microprocessor controlling the payment lockout function that is sent to a reader A mobile communication terminal providing a payment lock function, characterized in that it comprises a. The method of claim 1, wherein the mobile communication terminal, An LCD display unit which displays the payment request information and the payment completion information; And A speaker for outputting a beep sound upon receiving the payment request information and the payment completion information Mobile communication terminal providing a payment lock function, characterized in that it further comprises. The method of claim 1, The payment request information is a mobile communication terminal providing a payment lock function, characterized in that it comprises one or more of merchant name, order product, price, quantity and order status information. The method of claim 1, The payment completion information is a mobile communication terminal providing a payment lock function, characterized in that it comprises at least one of a payment code, payment date and payment amount. The method of claim 1, The payment module unit provides a payment lock function, characterized in that the infrared communication module, Bluetooth module, Zigbee module and ultra-wideband communication module. In the method for providing a payment lock function in the mobile communication terminal, (a) receiving payment request information including at least one of merchant name, order product, price, quantity, and order status information from the merchant reader; (b) determining whether the payment lock function is set; (c) if it is determined in step (b) that the payment lock function is set, displaying the payment request information; (d) determining whether payment is approved by a user of the mobile communication terminal; (e) generating payment approval information and transmitting the generated payment approval information to the mobile payment server when it is determined that the payment has been approved; And (f) receiving payment completion information including at least one of a payment code, a payment date, and a payment amount from the mobile payment server; Method for providing a payment lock function in a mobile communication terminal comprising a. The method of claim 6, Before the step (a), the mobile communication terminal provides a payment lock function in the mobile communication terminal, characterized in that the access to the authentication server and is issued and stored. The method of claim 6, wherein in step (b), The payment lock function is a method of providing a payment lock function in the mobile communication terminal, characterized in that set / released through the payment lock / release key button included in the key input unit of the mobile communication terminal. The method of claim 6, wherein in step (c), And outputting a beep sound through a speaker of the mobile communication terminal to notify a user of the mobile communication terminal that the payment request information has been received. The method of claim 6, wherein step (f) comprises: (f1) receiving the payment completion information; (f2) displaying the payment completion information; And (f3) transmitting the payment completion information to the affiliated store reader. Method of providing a payment lock function in a mobile communication terminal comprising a.

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