KR101369540B1 - Method for setting payment means in multiple mobile payment application and mobile equipment using the same - Google Patents

Abstract

Provided are a mobile payment method setting method and a mobile device applying the same in a multi-mobile payment application environment. In the mobile payment means setting method according to the present embodiment, each mobile payment means used by the mobile payment applications is set, and the mobile payment means to be used is determined according to the executed mobile payment application with reference to the setting result. As a result, in an environment in which a plurality of mobile payment applications are installed in the mobile device, the mobile payment means to be used by the mobile payment applications can be set respectively, thereby ensuring variety of mobile payments.

Description

Method of setting up a mobile payment method in a multi-mobile payment application environment and a mobile device applying the same {METHOD FOR SETTING PAYMENT MEANS IN MULTIPLE MOBILE PAYMENT APPLICATION AND MOBILE EQUIPMENT USING THE SAME}

The present invention relates to a method for setting a mobile payment method and a mobile device to which the same is applied. More particularly, when a plurality of mobile payment means exist in the mobile device, a method for setting a mobile payment method for mobile payment and a mobile device using the same It is about.

In order to make a mobile payment, a mobile payment application must be installed in the mobile device, and a mobile payment means is required to be installed in the secure element (SE) of the mobile device.

Since there are several credit card companies, SE can have multiple mobile payment methods. In this case, the user must select one of a plurality of mobile payment methods in mobile payment.

The mobile payment method is selected after executing the mobile payment application. When the mobile payment application is executed, one of the mobile payment methods appears by default.

Since the mobile payment method selection is a cumbersome operation for the user, and the default mobile payment method enjoys an advantageous position, it is important to determine which mobile payment method is designated as the default.

In addition, in consideration of the fact that the types of mobile payment applications are diversified in addition to the mobile payment means, a search for a method for setting the mobile payment means more reasonable and convenient for the user to perform the mobile payment is requested.

The present invention has been made to solve the above problems, an object of the present invention, a method for setting a mobile payment means for each of the mobile payment applications in an environment where a plurality of mobile payment applications are installed on the mobile device. And to provide a mobile device applying this.

According to an embodiment of the present invention for achieving the above object, a mobile payment means setting method, the first setting step of setting the mobile payment means to be used by the first mobile payment application; A second setting step of setting a mobile payment means to be used by the second mobile payment application; And determining the mobile payment means to be used according to the executed mobile payment application by referring to the setting results of the first setting step and the second setting step.

The mobile payment means set in the first setting step and the mobile payment means set in the second setting step may be different.

The method may further include: storing the setting result in the first setting step and the setting result in the second setting step in a secure element (SE) of a mobile device in which the first mobile payment application and the second mobile payment application are installed; Includes, the determining step, may refer to the setting result stored in the storing step.

The first setting step may set a default payment means to be used by the first mobile payment application.

In addition, the second setting step may set the priority of the default payment means to be used by the second mobile payment application or the mobile payment means to be used by the second mobile payment application.

The first setting step may set priorities of mobile payment means to be used by the first mobile payment application.

In addition, the second setting step may set the priority of the default payment means to be used by the second mobile payment application or the mobile payment means to be used by the second mobile payment application.

And a third setting step of setting a mobile payment means to be used by the third mobile payment application, wherein the determining step further includes referring to the setting result of the third setting step, according to the executed mobile payment application. The mobile payment method to be used can be determined.

In addition, the first setting step and the second setting step may be executed by a management applet mounted on a SE (Secure Element) of a mobile device in which the first mobile payment application and the second mobile payment application are installed.

And providing a list of available mobile payment means, wherein the first setting step includes setting a mobile payment means to be used by the first mobile payment application according to a user's selection made with reference to the list. In the second setting step, the mobile payment means to be used by the second mobile payment application may be set according to a user's selection made with reference to the list.

In addition, the list may be stored in a secure element (SE).

In addition, the list providing step may provide information for a user to refer to when using the mobile payment means together with the list.

On the other hand, according to another embodiment of the present invention, a computer-readable recording medium, the first setting step of setting the mobile payment means to be used by the first mobile payment application; A second setting step of setting a mobile payment means to be used by the second mobile payment application; And determining a mobile payment method to be used according to the executed mobile payment application by referring to the setting results of the first setting step and the second setting step. The program can be stored.

As described above, according to the present invention, in an environment in which a plurality of mobile payment applications are installed in the mobile device, the mobile payment means to be used by the mobile payment applications can be set respectively, thereby securing variety of mobile payments.

In particular, if different types of mobile payment applications are used for each type of business and mobile payment methods to be used in consideration of the type of industry to be used in mobile payment applications, it may be more useful to the user.

1 is a block diagram of a mobile device to which the present invention is applicable;
2 is a flowchart provided to explain a method for setting a mobile payment method by a default designation method in a multi-mobile payment application environment;
3 conceptually illustrates a table of a WMA in which a default payment method is stored;
4 is a view provided in the description of FIG.
5 is a flowchart provided to explain a method for setting a mobile payment method by a payment method priority designation method in a multi-mobile payment application environment;
6 conceptually illustrates a table of WMAs in which payment instrument priorities are stored;
7 is a view provided to explain a process of inputting a priority change command in a list in which mobile payment methods are listed according to priority;
FIG. 8 is a view provided to the description of FIG. 2.

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

1. Mobile device

1 is a block diagram of a mobile device to which the present invention is applicable. The illustrated mobile device 100 is a mobile payment enabled device, the mobile payment applications (110-A, 110-B and 110-C) running by a processor (not shown) of the mobile device 100 is installed And a SE (Secure Element) 120 is mounted.

The SE 120 may be implemented as a Universal IC Card (UICC), an Embedded SE, a Secure Digital Card (SD Card), or the like, but does not exclude the application of other types of SEs.

The SE 120 is equipped with mobile payment applets 122-1, 122-2 and 122-3. The mobile payment applets 122-1, 122-2, and 122-3 are mobile payment methods, and may be understood as mobile credit cards issued by credit card companies.

The SE 120 is also equipped with a WMA (Wallet Management Applet) for managing mobile payment applications 110-A, 110-B and 110-C, which are also referred to as mobile wallets.

Meanwhile, the mobile payment applications 110-A, 110-B, and 110-C perform mobile payment using the mobile payment applets 122-1, 122-2, and 122-3 as mobile payment means. do.

In performing the mobile payment, there is no restriction on the mobile payment applet used by the mobile payment application. In other words,

1) The mobile payment application-A 110-A may perform mobile payment using any one of the mobile payment applets 122-1, 122-2, and 122-3,

2) the mobile payment application-B (110-B) may also perform mobile payment using any one of the mobile payment applets 122-1, 122-2 and 122-3,

3) The mobile payment application-C 110-C may also perform mobile payment using any one of the mobile payment applets 122-1, 122-2, and 122-3.

Meanwhile, the mobile payment applet to be used for mobile payment can be set for each mobile payment application. Specifically, for each mobile payment application, i) it is possible to set a default payment method, ii) it is possible to set the payment method priority. Hereinafter, they will be described in detail one by one.

2. Default designation method

2 is a flowchart provided to explain a method for setting a mobile payment means by a default designation method in a multi-mobile payment application environment. Figure 2 shows the process of changing the default payment method for the mobile payment application-A (100-A).

As shown in FIG. 2, when the mobile payment application-A 110-A installed in the mobile device 100 is executed (S210-Y), the mobile payment application-A 110-A is transmitted to the WMA 121. Inquires his default payment method, and displays the inquiry result (S220).

3 conceptually illustrates a storage table held by the WMA 121. As shown in FIG. 3, the WMA 121 holds i) information about the index, ID, and mobile credit card name for the mobile payment applets 122-1, 122-2, and 122-3; ii) holds information on the default payment instrument index for mobile payment applications 110-A, 110-B and 110-C.

In FIG. 3, 1) the mobile payment applet with the applet ID "1111111111" represents the mobile payment applet-1 122-1, and 2) the mobile payment applet with the applet ID "2222222222" indicates the mobile payment applet-2 (122). -2), and 3) the mobile payment applet with the applet ID "3333333333" represents the mobile payment applet-3 122-3.

In addition, in FIG. 3, A) the mobile payment applet with the application ID "AAAAAAAAAA" represents the mobile payment application-A 110-A, and B) the mobile payment applet with the application ID "BBBBBBBBBB" is the mobile payment application-B 110-B, C) The mobile payment applet with the application ID "CCCCCCCCCC" represents the mobile payment application-C 110-C.

As shown in FIG. 3, since the WMA 121 holds information of default payment means for each of the mobile payment applications 110-A, 110-B, and 110-C, the mobile payment application-A 110 may be used. -A) can grasp its default payment method from the WMA 121.

As shown in FIG. 3, it can be confirmed that the default payment means of the mobile payment application-A 110-A is the mobile payment applet-1 122-1, that is, "Δ △ credit card".

Referring again to FIG.

If the user confirms the default payment method through step S220, if there is an instruction to change the default payment method of the mobile payment application-A (110-A) to another mobile payment method (S230-Y), the mobile payment application-A (110). -A) requests the WMA 121 to change its default payment method to another mobile payment method (S240).

For reference when the user inputs a change command in step S230, the mobile payment application-A (110-A) requests the WMA 121 a list of the mobile payment means available in the mobile payment application-A (110-A) Can be received and displayed.

In response to the request in step S240, the WMA 121 changes and sets the default payment method of the mobile payment application-A (110-A), and stores the setting result in a table (S250).

Information about the default payment method is stored in a table of the WMA 121, the WMA 121 is mounted on the SE (120). Therefore, it can be said that the information about the default payment means is stored in the SE 120 which is a safe storage space.

4, 1) the user selects "□□ card" as the default payment method through the mobile payment application-A (110-A) in step S240, and 2) the WMA 121 performs the mobile payment application in step S250. It has been shown schematically that the default payment method of -A 110-A has been changed from mobile payment applet-1 122-1 to mobile payment applet-2 122-2.

Referring again to FIG.

When the default payment method change is completed in step S250, the WMA 121 notifies the changed default payment method to the mobile payment application-A (110-A) (S260). Then, the mobile payment application-A (110-A) displays the changed default payment method notified in step S260, to inform the user that the default payment method has been changed (S270).

Up to now, the process of setting a default payment method for the mobile payment application-A (100-A) has been described in detail. In the same way, it is possible to set a default payment method for the mobile payment application-B 100-B and to set a default payment method for the mobile payment application-C 100-C.

Accordingly, the default payment method for the mobile payment applications (110-A, 110-B and 110-C) may be different, the result of setting the default payment method of one mobile payment application of the other mobile payment application It does not affect the default payment method setting result.

Of course, depending on the user's settings, the default payment means for all or part of the mobile payment applications (110-A, 110-B and 110-C) may be the same.

Thereafter, the mobile payment applications 110-A, 110-B, and 110-C refer to a default payment method setting stored in the WMA 121 to determine a mobile payment applet to use for mobile payment.

3. Priority Assignment Method

5 is a flowchart provided to explain a method for setting a mobile payment method by a payment method priority designation method in a multi-mobile payment application environment. 5 shows a process of changing the payment method priority for the mobile payment application-A (100-A).

As shown in FIG. 5, when the mobile payment application-A 110-A installed in the mobile device 100 is executed (S310-Y), the mobile payment application-A 110-A is transmitted to the WMA 121. Inquire the own payment method priority, and displays the inquiry result (S320).

6 conceptually illustrates a storage table held by the WMA 121. The table shown in FIG. 6 is shown in FIG. 3 in that "payment method priority" is listed instead of "default payment method" for mobile payment applications 110-A, 110-B and 110-C. There is a difference with the table.

As shown in FIG. 6, the WMA 121 holds payment method priorities for each of the mobile payment applications 110-A, 110-B, and 110-C, and thus, the mobile payment application-A 110-1. A) may determine its payment method priority from the WMA 121.

As shown in FIG. 6, the payment method priority of the mobile payment application-A 110-A is mobile payment applet-1 122-1 → mobile payment applet-2 122-2 → mobile payment applet. -3 (122-3), that is, it can be confirmed that "△△ credit card" → "□□ credit card" → "○○ credit card".

Again, this will be described with reference to FIG. 5.

If there is a command to change the payment method priority of the mobile payment application-A (110-A) from the user who confirms the payment method priority through step S320 (S330-Y), the mobile payment application-A (110-A) ) Requests the WMA 121 to change its payment method priority according to a user command (S340).

For reference when inputting a user's command in step S330, the mobile payment application-A (110-A) is listed in the mobile payment means available in the mobile payment application-A (110-A) in the WMA 121 in order of priority Lists can be requested / received.

In addition, the user's command input in step S330 is possible through the operation of changing the order of the mobile payment means listed in this list. In FIG. 7, a user who wants to change the priority of "□□ credit card" higher than "△△ credit card" in the list of mobile payment methods available in the mobile payment application-A 110-A according to their priority. The command is illustrated.

In response to the request in step S340, the WMA 121 changes and sets the priority of the payment means of the mobile payment application-A 110-A, and stores the setting result in a table (S350).

Information about the payment method priority is stored in a table of the WMA 121, the WMA 121 is mounted on the SE (120). Therefore, the information about the priority of the payment means may be said to be stored in the SE (120), a safe storage space.

In FIG. 8, in response to a user manipulation command as shown in FIG. 7, the WMA 121 sets the priority of the payment means of the mobile payment application-A 110-A in step S350 as the mobile payment applet-1 122-. 1) → Mobile Payment Applet-2 (122-2) → Mobile Payment Applet-3 (122-3) from 'Mobile Payment Applet-2 (122-2) → Mobile Payment Applet-1 (122-1) → Mobile Payment applet-3 122-3 '.

Again, this will be described with reference to FIG. 5.

When the payment method priority change is completed in step S350, the WMA 121 notifies the mobile payment application-A (110-A) of the changed payment method priority (S360). Then, the mobile payment application-A (110-A) displays the changed payment method priority notified in step S360, to inform the user that the payment method priority has been changed (S370).

So far, the process of setting the payment method priority for the mobile payment application-A (100-A) has been described in detail. In the same manner, it is possible to set the payment method priority for the mobile payment application-B 100-B and the payment method priority for the mobile payment application-C 100-C.

Accordingly, the payment method priority for the mobile payment applications (110-A, 110-B and 110-C) may be different, the mobile payment payment results of any one mobile payment application is different It does not affect the result of setting the payment method priority of the application.

Of course, depending on the user's setting, the payment method priority for all or part of the mobile payment applications 110-A, 110-B and 110-C may be the same.

Thereafter, the mobile payment applications 110-A, 110-B, and 110-C determine the mobile payment applet to be used for the mobile payment by referring to the payment method priority setting contents stored in the WMA 121.

4. Variation example

Up to now, preferred embodiments of the method for setting a mobile payment means for each mobile payment application to be used for mobile payment has been described in detail.

In the above embodiment, the mobile payment means setting method is assumed to be the same for all mobile payment applications, but it is possible to implement to be made in combination. That is, it is possible to set a default payment method for some of the mobile payment applications, and to set the payment method priority for the others.

In addition, the default payment method designation / change screen and the payment method priority designation / change screen for the user may provide a list of mobile payment means together with information that the user may refer to when using the mobile payment means.

For example, an advertisement, a discount event, an accumulation event, an event event, a coupon issue, etc. applied to a mobile payment method (mobile credit card) may be provided with a mobile payment method list for the user to refer to.

It goes without saying that the technical idea of the present invention can also be applied to a computer-readable recording medium having a computer program for performing the functions of the apparatus and method according to the present embodiment. In addition, the technical idea according to various embodiments of the present invention may be embodied in computer-readable code form recorded on a computer-readable recording medium. The computer-readable recording medium is any data storage device that can be read by a computer and can store data. For example, the computer-readable recording medium may be a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical disk, a hard disk drive, or the like. In addition, the computer readable code or program stored in the computer readable recording medium may be transmitted through a network connected between the computers.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

100: mobile device
110-A, 110-B, 110-C: Mobile Payment Application
120: SE (Secure Element)
121: WMA (Wallet Management Applet)
122-1, 122-2, 122-3: Mobile Payment Applet

Claims (13)

Providing, by the mobile device, a list of available mobile payment means;
A first setting step of setting, by the mobile device, a mobile payment means to be used by a first mobile payment application;
A second setting step of setting, by the mobile device, a mobile payment means to be used by a second mobile payment application; And
And determining the mobile payment means to be used by the mobile device according to the mobile payment application executed by the user by referring to the setting result of the first setting step and the second setting step.
The first setting step,
Setting a default mobile payment method to be used by the first mobile payment application according to a user's selection made with reference to the list;
The second setting step,
Setting a default mobile payment method to be used by the second mobile payment application according to a user's selection based on the list;
The first setting step and the second setting step,
The first mobile payment application and the second mobile payment application is executed by a management applet mounted on the SE (Secure Element) of the mobile device installed,
The management applet,
Storing the list provided in the providing step, the setting result in the first setting step and the setting result in the second setting step,
Wherein,
The mobile payment means setting method, characterized in that for referring to the setting result stored by the management applet.
The method of claim 1,
And the mobile payment means set in the first setting step and the mobile payment means set in the second setting step are different.
delete delete The method of claim 1,
The second setting step,
Mobile payment means setting method characterized in that for further setting the priority of the mobile payment means to be used by the second mobile payment application.
The method of claim 1,
The first setting step,
Method for setting a mobile payment means, characterized in that for setting the priority of the mobile payment means to be used by the first mobile payment application.
delete The method of claim 1,
A third setting step of setting, by the mobile device, a mobile payment means to be used by a third mobile payment application;
Wherein,
And referring to the setting result of the third setting step, determining a mobile payment method to be used according to the executed mobile payment application.
delete delete delete The method of claim 1,
The list providing step,
Mobile payment means setting method characterized in that it provides the user with information for reference in using the mobile payment means with the list.
Providing, by the mobile device, a list of available mobile payment means;
A first setting step of setting, by the mobile device, a mobile payment means to be used by a first mobile payment application;
A second setting step of setting, by the mobile device, a mobile payment means to be used by a second mobile payment application; And
And determining the mobile payment means to be used by the mobile device according to the mobile payment application executed by the user by referring to the setting result of the first setting step and the second setting step.
The first setting step,
Setting a default mobile payment method to be used by the first mobile payment application according to a user's selection made with reference to the list;
The second setting step,
Setting a default mobile payment method to be used by the second mobile payment application according to a user's selection based on the list;
The first setting step and the second setting step,
The first mobile payment application and the second mobile payment application is executed by a management applet mounted on the SE (Secure Element) of the mobile device installed,
The management applet,
Storing the list provided in the providing step, the setting result in the first setting step and the setting result in the second setting step,
Wherein,
A computer-readable recording medium containing a program for executing a mobile payment means setting method, characterized in that referring to the setting result stored by the management applet.

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