KR101195541B1 - Mobile terminal for mobile payment - Google Patents

Abstract

PURPOSE: A mobile terminal for mobile payment is provided to pay costs for a product or a service to perform a financial transaction under a mobile environment without a dedicated terminal. CONSTITUTION: A card selecting module(54) displays a card company and a card which belongs to the card company on a display device using a card mapping table. A relay module(55) provides card information of the selected card, user information of a portable terminal, and member store information used for card payment to a financial company server. An NFC(Near Field Communication) chip performs NFC with a payment terminal of a member store with the member store information. [Reference numerals] (51) Transfer module; (53) Chip access module; (54) Card selecting module; (55) Relay module; (56) User certification module; (57) I/F; (60) USIM; (65) NFC; (66) Memory; (AA) Member store

Description

Mobile terminal for mobile payments

The present invention relates to a mobile terminal for mobile payment, and a control method thereof. More specifically, the mobile terminal is a mobile terminal that enables a mobile terminal to perform financial transactions such as payment of goods or services, and account transfer. A mobile terminal for payment and a control method thereof.

At present, portable terminals are used for micro payments for simple product payments at convenience stores in addition to voice calls and data communications. In order to use a mobile terminal for a small payment, a chip issued by a financial company, for example, a bank, must be embedded, and can be used when the reader is close to a reader having a reader capable of communicating with the embedded chip.

However, the portable terminal is limited in the cost that can be paid, and can be used only by a company equipped with a chip embedded in the portable terminal and a dedicated terminal capable of short-range wireless communication. Therefore, a significant number of companies that do not have a dedicated terminal loses the meaning of mobile payment, and if the price of goods or services exceeds the limit of the payable cost, the user may end up inconvenient to use a credit card or pay cash.

In addition to the limitations mentioned above, current handheld terminals are also difficult to be used for financial transactions such as bank transfer. This limitation is difficult in that the mobile terminal does not perform a true mobile payment in a mobile environment. Accordingly, the present applicant can pay for goods and services using a mobile terminal in a mobile environment, and proposes a mobile terminal for mobile payment that does not require a dedicated terminal for paying such a cost, and a control method thereof. I would like to.

An object of the present invention is to pay for goods and services even in an environment where a dedicated terminal is not provided in a mobile environment, a mobile terminal for mobile payment to handle financial transactions such as bank transfer, and control thereof In providing a method.

According to the present invention, when the icon of the mobile payment app displayed on the display device is selected, the card company, and a card selection module for receiving a user selection by displaying the card information according to the card company, card information for the card, A mediation module for providing user information of a mobile terminal and merchant information used for payment of the card to a financial company server for payment of the selected card, and a memory having any one of the user information and the merchant information. do.

According to the present invention, when the icon of the mobile payment app displayed on the display device is selected, the account to display the name of the bank to perform the transfer, the account for displaying the account number according to the user selected bank name according to the present invention Receiving a user input for any one of the transfer interface module, and the depositor's phone number, and the account number of the money transfer according to the account transfer request the account transfer to the financial company server, only the phone number instead of the transfer target account number When input, it is achieved by a transfer module that generates a virtual account including the phone number and information on the amount of money and provides it to any one of a financial company server and a communication company server to request an account transfer.

According to the present invention, when the icon of the app for mobile payment (App) is selected, the card company available for mobile payment, and the card information according to the card company to receive a user selection, the selected card Receiving the amount to be settled by the payment, and providing the selected card, the input amount, and merchant information used for the mobile payment to the financial institution server to request the payment.

According to the mobile terminal for mobile payment of the present invention, and a control method thereof, even in an environment in which a dedicated terminal is not provided, payment of goods and services can be made using the mobile terminal, and a bank transfer such as a bank can be used for transfer. Make it easy to handle.

1 is a conceptual diagram of a portable terminal according to an embodiment of the present invention.
2 is a flowchart illustrating a payment method of a mobile terminal according to one embodiment of the present invention.
3 is a flowchart illustrating a payment method of a mobile terminal according to another embodiment of the present invention.
4 is a flowchart illustrating a payment method of a mobile terminal according to another embodiment of the present invention.
5 and 6 illustrate a reference view schematically illustrating a method of performing a transfer using a mobile terminal.
7 illustrates a reference view of an example of a control interface displayed on a display apparatus by a card selection module of a portable terminal according to the present invention.
8 illustrates an example of a control interface displayed on the display apparatus by the wire transfer interface module.
9 illustrates an example of a control interface displayed on the display apparatus by the account transfer interface module when the user of the portable terminal does not know the account number of the transfer target.

Before proceeding to the description of the present invention,

The financial company server referred to in the present invention may be a card company server, a bank server, a payment gateway (PG) server, and various other types of financial company servers, and the financial company server may include the aforementioned card company server, bank server, PG server, and It may be listed mixed with other financial institution servers.

The portable terminal referred to in the present invention refers to a portable terminal of a type capable of requesting payment of a fee by connecting to a financial institution server mentioned above and receiving a result of the payment of a fee. Currently, mobile phones, PDAs, smart phones, laptops, and other mobile communication if it is possible, it may be a mobile terminal described herein.

The payment of costs referred to in the present invention may be provided to the party providing the goods or services at the side of obtaining the goods or services. In this case, the request for payment may be provided to the financial company server directly from the mobile terminal, or may be transferred from the terminal (reader) that performs proximity wireless communication with the mobile terminal to the financial company server.

The mobile terminal mentioned in the present invention may have a built-in NFC chip. The embedded NFC chip may perform short-range wireless communication and may be integrated with the USIM chip. The NFC chip may perform data communication when contacted with a reader of a cost recipient or near by, and may provide USIM information of the portable terminal to the reader.

App referred to in the present invention (App) is a kind of program module installed in a mobile terminal, and displays an icon or a menu on the display device, the displayed icon (or menu, omitted hereinafter) to the key input or touch input When selected by the user, an interface for payment or account transfer can be displayed on the display device.

In addition, the app may drive a hardware embedded in a mobile terminal, for example, a wireless communication module to request a payment to a financial institution server, or may provide user information to a financial institution server by accessing a USIM chip embedded in the portable terminal.

In addition, in order to authenticate a true user of the mobile terminal, the app may request and receive an ID and a password of the user before running the app, and may be driven only when the entered ID and password are correct.

Hereinafter, the present invention will be described in detail with reference to the drawings.

1 is a conceptual diagram of a portable terminal according to an embodiment of the present invention.

Referring to FIG. 1, the mobile terminal 50 may be installed in the form of an app in the form of a program, a control module in the form of hardware, or in the form of firmware. In the present specification, a description will be given based on an app in a program form, but the present invention is not limited thereto and may be implemented in hardware form or firmware form.

The mobile terminal 50 shown in FIG. 1 includes a display device, an input device (eg, a key or a touch panel), a memory capable of temporarily or permanently storing data, a wireless module for voice call or data communication, It may include an output device (eg, a speaker, a vibration motor), a camera module for capturing still or moving images, and a multimedia chip for multimedia playback. Such a component is provided if it is a conventional mobile terminal capable of voice communication or data communication, and corresponds to a component that is not mainly mentioned in the description of the present invention. However, although not shown in FIG. 1, the above-mentioned components will be described as being basically provided in the mobile terminal 50 according to the present invention. Hereinafter, it will not mention separately.

The card selection module 54 displays a card company to be used for payment by the user of the mobile terminal 50 and a card corresponding to the card company on the display device, and determines a user selected card among the displayed card company and cards for the card company. The card selection module 54 may register the user to use for actual payment among the cards issued by the card company or refer to the registered path.

For example, the card company name and the card name according to the card company are coded and stored in one of the NFC chip 54, the memory 66, and the USIM chip 65, and the NFC chip 54, the memory 66, and the USIM. A card company name and a card name coded and stored on one of the chips 65 may be obtained and displayed on the display device. The coded information may be decoded by the card selection module 54 and displayed on the display device, or may be processed by a separate hardware or software module.

Meanwhile, the card company name and the card name may be managed as one table.

The card mapping table may be formed in a file form by mapping the card company name and the card name, and the card selection module 54 may load the file mapping table in the form of a file and display it on the display device. In this case, the card mapping table may be embedded in the NFC chip 54, the memory 66, the USIM chip 65, and the card selection module 54 itself, and is preferably encrypted and embedded.

Here, the memory 56 may be one of an SD RAM, an XD RAM, and a micro XD RAM, but any other non-volatile storage medium may be applicable.

In addition, the card mapping table may be configured in a form in which a numeric string, a string, and a special string are selectively combined. The card mapping table may have a form in which a card company and a card issued by a card company match. For example, when "Nonghyup" is selected as a card company by the user of the mobile terminal 50, the display device displays a TOP card, a rural experience card, a D-One card, and an Nonghyup e-shopping card as a card issued by the Nonghyup. When displayed on the apparatus and "Shinhan" is selected as the card company, sk BC card, Sheath card, Asiana club card or the like may be displayed on the display apparatus. That is, according to the user selected card company, a card issued by the selected card company may be displayed on the display device.

The user of the mobile terminal 50 may register a card to be used by the user in advance, and may provide an app store or an app in the form of data including data or data in advance that maps card information according to the card company name and the card company name. You can also download it from your server. In this case, the company providing the app should embed the data in which the card company name and card information are mapped to the app in the app, and if the user of the mobile terminal 50 downloads and uses the app, a separate registration process by the user May be omitted. The card selection module 54 sequentially displays a menu for selecting a card company name on the display device and card information about a card issued by a user selected card company, and determines a user selected card. For example, after the card selection module 54 is displayed on the display device of the mobile terminal 50, the card selection module 54 may determine a user selected card in response to a user's touch input or a key input.

The user authentication module 56 displays a login screen on the display device to determine whether the user driving the app is a legitimate user, and determines whether the app is driven by receiving a user input for an ID and a password. The user authentication module 56, after the app is installed in the mobile terminal 50, when the user wants to drive the app, by setting the user ID and password is input, so that the app to run, the payment by another person occurs or In this case, the transfer can be prevented.

The intermediary module 55 authenticates the user by wirelessly connecting the mobile terminal 50 to a financial company server (not shown, hereinafter omitted), providing user information, and verifying the merchant information and the amount registered in the mobile terminal 50. You can request payment by providing it to the server. The intermediary module 55 allows the mobile terminal 50 to be used as a card reader for payment. To this end, the intermediary module 55 provides the merchant information allocated to the card reader to the financial company server so that the mobile terminal 50 can be used as one card reader. Here, the affiliated store information may include at least one of an affiliated store name, an affiliated store location, a unique number assigned to an affiliated store, a contact number of an affiliated store, and an affiliated store code.

Here, the affiliated store information may be stored in the USIM chip 60, stored in the memory 66 embedded in the mobile terminal 50, or stored in the intermediary module 55. However, it is not limited thereto.

The user information provided to the financial institution server by the mediation module 55 may be user information embedded in the USIM chip 60. The user information may include a USIM serial number, an accredited certificate, and subscriber information at the time of subscribing to a telecommunication company, and the information may be used as a means for authenticating a user of the mobile terminal 50. The financial company server authenticates the mobile terminal 50 on the basis of the user information provided from the mediation module 55, and mediates the authentication number in the SMS form for the approval of the payment fee provided by the authenticated mobile terminal 50. You can send it to (55). In this case, the intermediary module 55 displays the authentication number provided by the financial institution server on the display device, and after the user identifies the displayed authentication number, inputs the same authentication number to the financial institution server. You can also handle the authentication process.

If the user information and the amount information provided by the mediation module 55 are not directly provided to the card company server, and are provided to the card company server via a payment gateway server (not shown), the mediation module 55 In the PG server, the user information and the amount information are provided, and the card payment can be made according to the procedure for requesting authorization by providing the user information and the amount information from the PG server to the card company server. At this time, the PG server may receive the authentication number from the card company server, and transmit the authentication number to the intermediary module 55 to process the authentication process.

The chip access module 53 connects to the USIM chip 60 in response to an access request of the intermediary module 55 when the intermediary module 55 intends to provide user information to the financial institution server. After acquiring the user information in), it provides the mediation module 55. In this case, the user information obtained from the USIM chip 60 may be in an encrypted form.

The NFC (Near Field Communication) chip 65 may perform short-range wireless communication with a card located externally through a reader, obtain card information from an external card, and provide the card information to the chip access module 53. When the card information is acquired from a card located outside the mobile terminal 50 using the NFC chip 65, the external card may be used for payment without selecting the card through the card selection module 54. In this case, the NFC chip 65 may be configured integrally with the USIM chip 60, and after purchasing a product or service, is selected by the card selection module 54 in proximity to a reader (not shown) capable of NFC communication. The card information of the card may be provided to the reader. That is, the NFC chip 65 is used by the user of the mobile terminal 50 to provide card information of an external card to a financial company server, or to provide card information embedded in a company equipped with an NFC reader to proceed with card payment. You may.

The wire transfer interface module 57 displays the phone number of the transfer target, the transfer amount, and the transfer target bank on the display device for user selection, and displays the phone number, transfer amount, and transfer target bank of the user selected transfer target bank. Information is provided to the transfer module 51.

The transfer module 51 generates a virtual account and provides it to the financial institution server when the account transfer interface module 57 notifies the phone number and the transfer amount of the transfer target. On the other hand, when the transfer module 51 obtains all the information about the phone number, the transfer amount, and the transfer target account number of the transfer target through the transfer interface module 57, the transfer module 51 does not generate a separate virtual account number. In addition, it may be transferred to the financial institution server as it is to request a bank transfer.

In this case, the transfer module 51 may receive an inquiry of the password of the account from the financial institution server, and if the password of the account is inquired, obtain a password of the user by displaying a menu for inputting the password on the display device through the account transfer interface module. can do. The obtained password is provided to the financial institution server, which may authenticate the user by checking the password.

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

Referring to FIG. 2, the mobile terminal 50 executes an app to display an interface screen for payment of the cost of the user of the mobile terminal 50 on the display device, and the user input amount, phone number, and deposit target. You can enter your account or card number. After this process, the app installed in the mobile terminal 50 may request payment by transmitting the user information or merchant information (merchant code) stored in the USIM chip 60 to the PG server 300 together with the price information.

The PG server 300 requests the approval by transmitting the payment request requested from the mobile terminal 50 to the card company server 400 (or bank server, hereinafter omitted), and providing the authentication number from the card company server 400. The provided authentication number is transmitted to the mobile terminal 50 to receive feedback and provided to the card company server 400 to perform authentication. When the card company server 400 receives the correct authentication number from the PG server 300, the card company server 400 approves the requested payment request from the PG server 300, and notifies the PG server 300 of the approval. The PG server 300 may terminate the processing of the payment process by providing the approval message notified by the card company server 400 to the mobile terminal 50 in the form of an SMS message.

3 is a flowchart illustrating a payment method of a mobile terminal according to another embodiment of the present invention.

Referring to FIG. 3, the mobile terminal 50 executes an app to display an interface screen for payment of the cost of the user of the mobile terminal 50 on the display device, and to pay the user information stored in the USIM chip 60. It may be provided to the terminal 80 to request a payment.

The payment terminal 80 refers to a card payment terminal provided to a vendor or a company that provides a product or a service, and performs short-range wireless communication with the mobile terminal 50 to provide user information embedded in the USIM chip 60. It must be something that can be obtained. For example, the payment terminal 80 may be capable of data communication with the NFC chip 65 on the mobile terminal 50 side in order to receive user information from the mobile terminal 50. In this case, the short range wireless communication may be any one of Bluetooth communication, infrared communication, and NFC communication.

After obtaining user information from the mobile terminal 50, the payment terminal 80 may request the approval by transmitting the amount to the PG server 300 when an amount is input by a supplier providing a product or service. At this time, the merchant information provided to the payment terminal 80 itself may be transmitted together.

The payment flow between the PG server 300 and the card company server 400 is the same as in FIG. 2. A feature of this embodiment is that if the mobile terminal 50 performs NFC near field communication with the payment terminal 80 to provide only user information, the payment request is processed, and the payment terminal 80 provides user information, amount information, and merchant information. Providing the to the card company server 400 through the PG server 300 has a feature to proceed with the payment. In this embodiment, the user of the mobile terminal 50 may be provided to the payment terminal 80 after selecting a card to be used for payment by driving an app.

4 is a flowchart illustrating a payment method of a mobile terminal according to another embodiment of the present invention.

Referring to FIG. 4, the mobile terminal 50 inquires a payment amount of a product or a service to a neighboring payment terminal 80 using short-range wireless communication, and the payment terminal 80 uses short-range wireless communication. Merchant information (merchant code), and payment amount can be notified. In this case, the short range wireless communication may be any one of Bluetooth communication, infrared communication, and NFC communication.

The mobile terminal 50 adds user information to the merchant information and payment amount acquired through the payment terminal 80 and requests an approval from the PG server 300, and the PG server 300 sends this to the card company server 400. Mediation, payment can be finally approved through the authentication number verification process as described above with reference to FIG. 4 has the advantage of improving the security of the mobile terminal 50 by not allowing the mobile terminal 50 to provide user information (eg, USIM information) to the payment terminal 80, but instead the mobile terminal. When the NFC chip 65 of the 50 is adjacent to the payment terminal 80, the payment amount should be requested and received and provided to the mediation module 55, the mediation module 55 in the NFC chip 65 After adding user information to the received merchant information and the amount information, a function of providing the PG server 300 may be further required.

Meanwhile, the mobile terminal for mobile payment referred to in FIGS. 1 to 4 may be used for account transfer in addition to financial transactions for goods or services. This will be described with reference to FIGS. 5 and 6.

Referring to FIG. 5, after the user of the mobile terminal 50 logs in through the user authentication module 56, the user of the mobile terminal 50 drives the account transfer interface module 57 to transfer the phone number of the transfer target, the transfer amount, and the bank and account of the transfer target. You may be asked to enter a number. At this time, the user should store the bank account information to be used for account transfer in the USIM chip 60 or the memory 66. The bank transfer interface module 57 may display the user-selected bank account on the display device, and then display the transfer bank name so that the user can select the bank account. When the bank, transfer target bank, transfer recipient's phone number, and transfer amount are set in the bank transfer interface module 57, the transfer module 51 adds user information withdrawn from the USIM chip 60 to the financial company server (bank server). (400) to request a bank transfer.

Thereafter, the financial company server 400 requests the passbook password to the transfer module 51, the transfer module 51 displays the interface screen for inputting the passbook password on the display device, and the user of the mobile terminal 50 displays the interface screen. If the password is entered, the transfer module 51 may provide it to the financial institution server 400 and request transfer approval. When the bank account password is correctly received, the bank 400 may transfer the corresponding amount to the server 450 of the bank to be transferred, and provide the result as an SMS message to the mobile terminal 50.

Next, referring to FIG. 6, which illustrates an example of a processing flow when the user of the mobile terminal 50 does not know the target account number of the transfer, the user of the mobile terminal 50 drives the account transfer interface module to carry it. Provide the user information of the terminal 50, the transfer amount, and the phone number to be transferred, and the financial institution server 400 may combine the phone number and the user information of the user of the mobile terminal 50 with the transfer amount to create a virtual account. have.

The virtual account is missing the number of the transfer target account, and when the target of the transfer is specified by inquiring to a carrier server (not shown) that provides voice and data communication to the mobile terminal of the transfer target, the transfer accumulated in the virtual account You can make a wire transfer in the form of providing an amount.

7 illustrates a reference view of an example of a control interface displayed on a display apparatus by a card selection module of a portable terminal according to the present invention. 7 to 9 illustrate an interface controlled by a processor embedded in the mobile terminal 50 to control card payment or account transfer.

First, referring to FIG. 7, the card selection module 54 displays a card company to be used for payment by a user of the mobile terminal 50 and a card corresponding to the card company on the display device 70 to provide goods or services. It may be configured to include a phone number input menu 71 for inputting the phone number of the side, the amount input menu 72, the card company selection menu 73, and the virtual keyboard 75. When the card company is selected in the card company selection menu 73, the card company selection menu 73 may display a name of a card belonging to the card company, and the user of the mobile terminal 50 may touch any one of the displayed card names, or Can be selected by key input.

8 illustrates an example of a control interface displayed on the display apparatus by the wire transfer interface module.

Referring to FIG. 8, the bank transfer interface module 57 includes a phone number input menu 71a of a transfer target, a transfer amount input menu 72a, a bank selection menu 76a, and a virtual keyboard 75a. Can be. The phone number input menu 71a is particularly required when creating a virtual account. If the account number of the transfer target person is not known, the phone number input menu 71a may be provided to the financial institution server 400 to request the creation of the virtual account.

The bank selection menu 75a is a menu for selecting a bank to be transferred, and when the user of the mobile terminal 50 knows the account number and bank name of the bank, the amount entered in the amount input menu 72a is the financial company server 400. ) Can be transferred to your account.

FIG. 9 illustrates an example of a control interface displayed on the display apparatus 70 by the account transfer interface module 57 when the user of the mobile terminal 50 does not know the account number of the transfer target.

Referring to FIG. 9, the bank transfer interface module 57 includes a phone number input menu 71b of a transfer target, a transfer amount input menu 72b, a virtual account display menu 78, and a transfer menu 79. Can be configured.

The virtual account display menu 78 displays a virtual account automatically generated by the transfer module 51 when the user of the mobile terminal 50 enters an appropriate value in the phone number input menu 71b and the transfer amount input menu 72b. Can be. That is, the number may correspond to a region where a virtual account number generated by the transfer module 51 is displayed, rather than a user-defined number. After the virtual account number is generated, when the user of the mobile terminal 50 selects the transfer menu 79, the transfer module 51 transfers the virtual account number, the transfer amount, the phone number of the transfer target and the user of the mobile terminal 50. Information transfer can be requested to the financial institution server 400, and after the transfer is approved, the financial institution server 400 finds the target of the transfer using the phone number and notifies the requested bank transfer through the virtual account ( For example, by SMS message).

50: mobile terminal 51: transfer module
53: chip access module 54: card selection module
55: mediation module 56: user authentication module
57: Bank Transfer Interface Module

Claims (12)

When the icon of the mobile payment app displayed on the display device is selected, the card company and the card belonging to the card company are displayed on the display device by using a card mapping table in which the card company and the name of the card belonging to the card company are linked. A card selection module receiving a selection;
An intermediary module for providing card information for the selected card, user information of the mobile terminal, and merchant information used for card payment using the selected card to a financial company server to make a payment with the selected card;
A memory having the user information;
NFC (Near Field Communication) chip for short-range wireless communication with the payment terminal of the merchant having the merchant information; And
And a chip access module for accessing the information stored or received in the NFC chip and providing the same to the intermediary module.
When the mobile payment app is executed, merchant information of the merchant terminal is received in the NFC chip,
Obtaining credit card information from the card outside the mobile terminal with the NFC chip,
The intermediary module, by providing the acquired merchant information, user information, selected card information and payment amount information, requests for approval to make a card payment,
When the icon of the mobile payment app displayed on the display device is selected, the account transfer interface module for displaying the name of the bank to perform the transfer, and the interface for receiving the account number according to the bank name selected by the user; And
Receiving a user input for any one of the phone number and the account number of the transfer target receiving the deposit according to the account transfer request a bank transfer to the financial company server, when only the phone number is entered instead of the account number, the phone And a transfer module for generating a virtual account including a number and information on the amount, and requesting an account transfer by providing one of a financial company server and a telecommunication company server. The method of claim 1, wherein the payment amount information,
The mobile terminal for mobile payment, which is input from the merchant payment terminal and acquired at the same time when the acquisition and acquisition of the merchant information is requested.
The method of claim 1, wherein the payment amount information,
Mobile terminal for mobile payment, characterized in that input from the mobile terminal delete 4. The method according to any one of claims 1 to 3,
The memory is a mobile terminal for a mobile payment, characterized in that the Universal Subscriber Identity Module (USIM) chip embedded in the portable terminal.
delete The method of claim 1,
And a user authentication module for approving the driving of the app when a correct ID and password for driving the app are input.
delete delete delete delete delete

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