KR101942660B1 - Payment method for preventing doulble payment of transportation fee by hce type and mobile terminal thereof - Google Patents

Abstract

Disclosed is a host card emulation (HCE) mode payment method for preventing double payment due to an SE mode and enabling transportation related payment. According to the present specification, a transportation card payment method prevents security element (SE) mode double payment and can additionally store a session key in advance wherein the session key is necessary for payment, in case of a communication failure. In addition, the method can prevent user inconvenience due to a communication failure since an additional session key can be used for payment when the communication failure occurs during getting off or transferring.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a HCE mobile payment card payment method and a mobile terminal,

The present invention relates to a transportation card payment method and a mobile terminal, and more particularly, to a method of preventing double payment when paying by HCE using a mobile terminal and a mobile terminal.

FinTech is a combination of financial and technology. Financial services and industries are developing through the convergence of finance and IT. In particular, there are numerous attempts to activate Near Field Communication (NFC) in the payment market of PinTech.

There are two types of NFC payment methods: Security Element (SE) and Host Card Emulation (HCE). In the case of the SE, the SE stores the financial information in a separate hardware (USIM), which is advantageous in that the security is high and the authentication procedure is simple and the user is highly usable. The HCE method stores financial information on the card in a cloud server, and makes payment based on NFC communication using the information as a smartphone app. The decisive difference between the two methods is where the financial information is stored, the SE is stored on separate hardware, and the HCE is stored in the form of data in a mobile OS (Operating System)

The payment method activated until the time of application of this specification is mainly the SE method. However, since the cooperation of MNO (Mobile Network Operator) is essential to develop SE method, it is an obstacle to business expansion in the position of financial companies such as card companies and banks that do not own USIM.

Meanwhile, in the HCE method, payment is possible through a tag with a traffic terminal only when the screen of the mobile terminal is turned on. On the other hand, the SE scheme can settle a payment through a tag with a traffic terminal in a state where the screen of the mobile terminal is turned on as well as in the off state. Accordingly, when the mobile terminal having both the SE type traffic card payment and the HCE traffic card payment function is tagged to the traffic terminal in a state that the screen is turned on, there is a possibility that the payment may be made double. For example, although the HCE system is used to pay for the ride, the settlement may be performed in the SE system when the user gets off the car, and the settlement may be performed differently from the intention of the user.

Therefore, there is a need for a method for preventing double payment in a mobile terminal having both a transportation card payment method of the SE method and a HCE transportation card payment function.

Korean Patent Publication No. 10-2016-0022431

The present specification aims to prevent double payment of a mobile terminal having both an SE system and an HCE system transportation card payment means.

In addition, the present invention intends to provide a transportation card settlement method that minimizes inconvenience caused by a communication failure of a mobile terminal when using a transportation means.

The solutions described herein are not limited to those mentioned above, and other solutions not mentioned may be clearly understood by those skilled in the art from the following description.

According to another aspect of the present invention, there is provided a transportation card payment method including: (a) setting a USIM LOCK when a screen of a mobile terminal is turned off; (b) requesting the payment server for the transportation card information when receiving the payment information request from the transportation terminal; (c) after receiving the traffic card information from the payment server, transmitting a payment information response to the traffic terminal; (d) transmitting purchase information response when receiving purchase information from the traffic terminal; And (e) when the payment result is received from the traffic terminal, transmitting the payment result to the payment server.

According to an embodiment of the present invention, the step (a) may set a USIM LOCK when the SE type service provider stored in the WiMAX service is the same service provider as the HCE service provider.

According to one embodiment of the present disclosure,

In the step (b), when the payment information request is received from the traffic terminal, the session key may be further requested to the payment server if the session key is not held. In this case, the transportation card payment method according to the present invention includes: (f) requesting a payment server for a session key; And (g) storing a session key (hereinafter 'additional session key') received from the payment server.

According to an embodiment of the present invention, the additional session key may be a session key whose settlement is valid only in the same traffic terminal as the traffic terminal that requested the payment information in the step (b).

According to one embodiment of the present disclosure, the additional session key may be a plurality of session keys. In this case, the number of the additional session keys may be 2N + 1 (N is a natural number of one director). In addition, the plurality of additional session keys may further include information on a payment order. Furthermore, the even-numbered additional session key among the plurality of additional session keys may include available time information available from the use time of the odd-numbered session key.

The transportation card payment method according to the present invention can be implemented in the form of a computer program recorded in a computer-readable recording medium so as to perform each step of the payment method in the computer.

In order to solve the above-described problems, a mobile terminal according to the present invention is characterized in that when a screen of a mobile terminal is turned off, when a payment information request is received from a bus terminal unit for setting a USIM LOCK, A traffic card information request unit for requesting card information; A payment information responding unit for receiving the traffic card information from the payment server and transmitting a payment information response to the traffic terminal; A purchase information responding unit for transmitting a purchase information response when receiving purchase information from the traffic terminal; And a payment result transmitting unit for transmitting the payment result to the payment server when receiving the payment result from the traffic terminal.

According to the present specification, it is possible to prevent double payment of a mobile terminal having both an SE scheme and an HCE scheme transportation card payment means.

According to the present invention, the settlement for using the transportation means can be smoothly performed despite the communication failure of the mobile terminal.

The effects described in the present specification are not limited to those mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the following description.

FIG. 1 is an example of tagging a mobile terminal to a traffic terminal.
FIG. 2 is a flowchart of a payment method of an HCE transportation card according to an embodiment of the present invention.
FIG. 3 is a table showing the payment means operation according to the screen status of the HCE and SE transportation card providers and the mobile terminal according to the related art.
FIG. 4 is a table showing operation modes of payment means according to the screen status of the HCE and SE traffic card providers and the mobile terminal according to the transportation card payment method according to the present invention.
5 is a flowchart of a transportation card payment method according to another embodiment of the present invention.
6 is a block diagram schematically illustrating the configuration of a mobile terminal according to the present invention.
7 is a block diagram schematically showing the configuration of a control unit in the mobile terminal according to the present specification.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention. Wherever possible, the same or similar parts are denoted using the same reference numerals in the drawings.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular forms as used herein include plural forms as long as the phrases do not expressly express the opposite meaning thereto.

Means that a particular feature, region, integer, step, operation, element and / or component is specified and that other specific features, regions, integers, steps, operations, elements, components, and / It does not exclude the existence or addition of a group.

All terms including technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Predefined terms are further interpreted as having a meaning consistent with the relevant technical literature and the present disclosure, and are not to be construed as ideal or very formal meanings unless defined otherwise.

FIG. 1 is an example of tagging a mobile terminal to a traffic terminal.

Referring to FIG. 1, it can be seen that the screen of the mobile terminal is turned on. As described above, the HCE method allows settlement through a tag with the traffic terminal only when the screen of the smartphone is turned on. In the SE method, payment can be made not only in a state where the screen of the mobile terminal is turned on but also when it is turned off. In the situation described above, when the user rides the car, the user turns on the screen and makes the settlement using the HCE method. However, when the user gets off the car, the user blinks and does not turn on the screen, . The transportation card payment method according to the present invention attempts to solve such a problem.

FIG. 2 is a flowchart of a payment method of an HCE transportation card according to an embodiment of the present invention.

Referring to FIG. 2, the traffic terminal 10, the mobile terminal 100, and the payment server 20 can be identified. The traffic terminal 10 refers to a terminal installed in a bus or a subway to pay a traffic fee. When the mobile terminal 100 and the traffic card are tagged, the traffic terminal 10 reads the information stored in the mobile terminal 100 and the traffic card according to a predetermined traffic billing algorithm, You can proceed. The transportation fee settlement algorithm of the traffic terminal 10 is a known technology and is not a core matter of the technology described in the present specification, so a detailed description thereof will be omitted. Meanwhile, the traffic terminal 10 includes an NFC module to enable NFC communication.

The mobile terminal 100 is provided with an NFC module and an application so that the mobile terminal 100 can pay the transportation fee in the HCE system. Also, the mobile terminal 100 is capable of data communication with the payment server 20 through a wireless communication module. The payment server 20 stores billing information according to the HCE method and provides necessary information according to a payment related request of the mobile terminal 100.

First, the mobile terminal 100 according to the present invention can set a USIM LOCK when the screen of the mobile terminal is turned off. The wake-up means a universal subscriber identification module (USIM) chip. The wake lock setting is a setting that makes it impossible to access information by wake. Since the SE system stores information related to the traffic card in vain, even if the mobile terminal 100 is tagged to the traffic terminal 10 in the idle mode, the settlement does not proceed. If the settlement does not proceed to the tag of the mobile terminal, the user feels the abnormality and can recognize that his / her terminal screen is not turned on. If the user wishes to make a settlement by the HCE method, the screen is turned on and the mobile terminal 100 proceeds to tag the traffic terminal 10 again.

FIG. 3 is a table showing the payment means operation according to the screen status of the HCE and SE transportation card providers and the mobile terminal according to the related art.

FIG. 4 is a table showing operation modes of payment means according to the screen status of the HCE and SE traffic card providers and the mobile terminal according to the transportation card payment method according to the present invention.

 3 and 4, it can be seen that the horizontal axis is divided into SE operator, traffic terminal operator, SE installation, HCE installation and operation (screen ON, screen OFF). The vertical axis is based on the number of cases where the HCE operator and the traffic terminal operator are A or B operators, respectively. In the example shown in Figs. 3 and 4, only the A and B providers are described, but there may be three or more providers in the actual environment. However, in this specification, it should be understood that only the A and B operators are listed in order to check whether the HCE provider and the traffic terminal provider operate according to the same or different cases.

First, referring to FIG. 3, only the cases 1 to 8 will be described. As described above, when both the SE system and the HCE system are installed in the mobile terminal, the SE and HCE systems can operate according to ON and OFF states of the screen.

Referring to FIG. 3 in which the wake-up lock is set in the state where the screen is turned off according to the present specification, when the screen is turned off (OFF) in the state where both the SE system and the HCE system are installed in the mobile terminal, Can be confirmed. When the screen is turned off due to the buffer lock according to the present invention, the HCE scheme does not operate and the SE scheme also does not operate. Accordingly, the user can turn on the screen of the mobile terminal to make a settlement using the HCE scheme that he wants to use.

On the other hand, the transportation card payment method according to the present invention may set a USIM LOCK when the SE-type business entity stored in the DB is the same business entity as the HCE-type business entity.

Since the HCE scheme is operated through an application in the mobile terminal, the information is stored in the memory of the mobile terminal, and the SE scheme stores the information in secret. Therefore, in the HCE method and the SE method, the space in which the information is stored is physically divided, but information on the SE method can be stored in the process of installing the application for using the HCE method. At this time, the operator operating the SE system and the operator operating the HCE system may be the same or different. In particular, a specific business operator may preferentially operate without the operation of the HCE scheme in the same case as a transportation terminal operator. In this specification, the operator is assumed to be the B operator. Further, in this specification, the operator operating the HCE system is assumed to be the A operator. Therefore, in the case of the first to eighth cases, all of the operators operating the SE method and the HCE method are A, and the method of payment can be selected according to the will of the user regardless of the transportation terminal operator. However, No. 9 and No. 16 are cases where the SE operator is B. In particular, it can be confirmed that the traffic terminal operates only in the SE mode regardless of whether the screen of the mobile terminal is ON or OFF in the case of the B company No. 13. In this case, it is not a problem because B businessman is set to operate first. On the other hand, there may occur a problem that the payment method may be changed according to the screen ON / OFF of the mobile terminal as in No. 9. This is also the setting of the SE system operator and accordingly, the transportation card payment method according to the present invention does not set the wake-up lock because it is the user's choice. That is, when the SE-type business stored in mind is the A-company and the HCE-type business is also the A-company, USIM LOCK can be set.

Referring again to FIG. 2, the user of the mobile terminal 100 may tag the traffic terminal 10 to pay a traffic fee. At this time, the traffic terminal 10 transmits a payment information request. The payment information is information necessary to start a payment algorithm such as information of a card to be used in the payment means. Upon receiving the payment information request, the mobile terminal 100 requests the payment server 20 for the transportation card information. The payment server 20 transmits the traffic card information to the mobile terminal 100 and the mobile terminal 100 receiving the traffic card information transmits a payment information response. The traffic terminal 10 transmits purchase information, and accordingly, the mobile terminal 100 transmits a purchase information response. The purchase information includes a payment amount, a time, and the like. Finally, the traffic terminal 10 transmits the payment result information, and the mobile terminal 100 receiving the payment result information transmits the payment result information to the payment server 20, and the payment server 20 transmits the payment result information to the payment server 20 The settlement is completed through the response.

2, communication between the mobile terminal 100 and the payment server 20 must be performed in order to make payment according to the HCE method. However, if communication is not possible due to various problems such as a problem in the mobile terminal 100, a communication environment unstable, a user's inoperability, a use restriction of a data communication contracted with the MNO provider (e.g., a communication plan) May be impossible. In particular, in order to pay the transportation fee, it is necessary not only to pay for the ride, but also to pay for the tag (extra charge) and the transfer fee when the passenger gets off. If the mobile terminal 100 is able to communicate with the payment server 20 at the time of riding, if it is impossible to communicate with the mobile terminal 100 after the down payment or transfer, it may lead to a greater user inconvenience.

Therefore, the traffic card payment method according to another embodiment of the present invention tries to solve the problem of the communication impossible situation.

5 is a flowchart of a transportation card payment method according to another embodiment of the present invention.

Referring to FIG. 5, it can be seen that steps 2, 11, and 12 are added in the embodiment shown in FIG. Accordingly, a transportation card payment method according to another embodiment of the present invention will be described with reference to the added process.

When the user tags the mobile terminal 100 to the traffic terminal 10 for traffic settlement, the traffic terminal 10 transmits a payment information request to the mobile terminal 100. Upon receiving the payment information request, the mobile terminal 100 determines whether it has a session key. A session is an ID for maintaining a constant state between a client and a server. The above-described session concept is well known to those skilled in the art, and thus a detailed description thereof will be omitted. In this specification, the session key is information provided by the payment server 20 so that the mobile terminal 100 can make settlement with the traffic terminal 10. Therefore, when the mobile terminal 100 stores a valid session key value, the mobile terminal 100 can make a settlement with the traffic terminal 10.

When the session key is not held, the mobile terminal 100 requests the payment server 20 for a session key. The payment server 20, which is requested to provide the session key, confirms the financial information of the user and confirms whether or not the user can issue a session key such as an account balance or a credit card payment limit. That is, it is possible to check whether the user who requested the session key can pay. When the payment capability of the user satisfies the requirement, the payment server 20 transmits the session key to the mobile terminal 100. The mobile terminal 100 receiving the session key requests the traffic card information to the next step. On the other hand, when the mobile terminal 100 holds the session key, the mobile terminal 100 requests the traffic card information without a session key request process.

The payment server 20 transmits the traffic card information to the mobile terminal 100 and the mobile terminal 100 receiving the traffic card information transmits a payment information response. The traffic terminal 10 transmits purchase information, and the mobile terminal 100 transmits a purchase information response. The traffic terminal 10 transmits the payment result information and the mobile terminal 100 receiving the payment result information transmits the payment result information to the payment server 20 and the payment server 20 transmits the payment result information To the mobile terminal (100). In FIG. 5, steps 3 to 10 are the same as those of the conventional HCE method according to steps 4 to 9 shown in FIG. That is, the payment algorithm according to the HCE scheme between the traffic terminal 10 and the mobile terminal 100 is the same.

Then, the mobile terminal 100 requests the payment server 20 for a session key. The payment server 20 receiving the request for the session key determines whether the user who has requested the session key can pay or not, issues the session key, and transmits the session key to the mobile terminal 100. The mobile terminal 100 receiving the session key stores the session key in the memory device.

A brief description of the difference between a transportation card payment method according to another embodiment of the present invention and a transportation card payment method according to an embodiment includes receiving a session key required for payment from the payment server 20, . In the case where the session key is stored in advance in the mobile terminal 100, payment can be made using the previously stored session key even though communication of the mobile terminal 100 is impossible at the moment when payment is required.

When the user rides on a bus or a subway, the user first tags the mobile terminal 100 to the traffic terminal 10. The mobile terminal 100 may be further tagged to the traffic terminal 10 when getting off or transferring. Hereinafter, for convenience of understanding, in the present specification, a session key received from the payment server 20 is tagged as a 'first session key' by tagging the mobile terminal 100 to the traffic terminal when the mobile terminal 100 is first ridden, The session key received from the payment server 20 will be referred to as an 'additional session key'.

According to the present specification, the additional session key may be a session key for which settlement is valid only in a traffic terminal. The additional session key may be used to prepare for the communication disabled state of the mobile terminal 100 when the user gets off. Accordingly, the additional session key can limit the settlement to be valid only in the traffic terminal.

Preferably, the additional session key may be a session key whose settlement is valid only in the same traffic terminal as the traffic terminal that requested payment information when issuing the initial session key. In the case of the subway, the additional session key can be restricted by the identification information of the transportation means, since the station may be different from the station to be taken off. That is, if the traffic terminal requesting payment information at the time of issuing the initial session key is a traffic terminal installed in the subway, the additional session key is also a session key that can be settled only by the traffic terminal installed in the subway. In this case, the same traffic terminal means a traffic terminal installed in the same system of transportation. On the other hand, in the case of a bus, since the getting off of the bus is performed, the traffic terminal requesting settlement information when issuing the first session key is not different from the traffic terminal when getting off. That is, if the traffic terminal requesting payment information when issuing the initial session key is a traffic terminal installed on the bus, the additional session key is a session key that can be settled only by the traffic terminal installed on the same bus. Thus, in the case of a bus, the additional session key can be further restricted by adding the identification information of the transportation means and the bus. In this case, the same traffic terminal means a traffic terminal installed in the same physical transportation means.

According to the present specification, the additional session key may include information on a payable upper limit amount. When filing the application of this specification, the transportation fee adds a basic charge for the ride and gives an additional charge according to the distance when getting off. For example, a standard city bus adds a basic charge within 10km, adds 100 won every 5km for a 10-40km segment, and charges only 100 won for every 40km, regardless of the distance. Therefore, the maximum additional fare that can be added when getting off is 700 won. Since the additional session key is provided for the communication impossible state of the mobile terminal 100 when the user gets off the session key, the additional session key may include information on the upper limit payment amount of 700 won.

According to the present specification, the additional session key may be a plurality of session keys. In the case of transportation, transfer is possible. Therefore, in addition to the session key required for getting off, the session key required for transfer is requested in advance and stored. The plurality of session keys are session keys valid only once per each traffic terminal tag (one payment).

Advantageously, said additional session key may be at least three or more. That is, when one-time transfer is assumed, a tag at the time of getting off, a transfer riding tag, and a transfer getting off tag can be considered.

Specifically, the number of the additional session keys may be 2N + 1 (N is a natural number of one director). 3, 5, 7, 2N + 1 additional session keys may be needed considering the transfer getting in and out after getting off, assuming that the number of transfers is once, twice or three times.

Meanwhile, according to the present invention, the plurality of additional session keys may further include information on a payment order. That is, the sequence number of the session key to be used can be determined according to the getting-off and transfer order.

Preferably, the even-numbered additional session key among the plurality of additional session keys may include available time information available from the use time of the odd-numbered session key. When applying for this application, the transfer fare is within 30 minutes after departure from the previous transportation means. A plurality of additional session keys are stored in case the user transfers, but the user may not transfer. Therefore, it restricts the available time available for the even-numbered additional session key used in transit. Since the usable time available at this time is related to the downlink tag time, it can be set so that the valid time available from the use time of the odd-numbered session key is determined.

Further, an odd additional session key among the plurality of additional session keys may include condition information usable when the immediately previous odd session key is effectively used. If the user does not transit within thirty minutes and the even-numbered additional session key becomes invalid, only the odd-numbered session key can be left. Therefore, the odd-numbered session key may be restricted to use through the available condition information when the odd-numbered session key is effectively used, so that the odd-numbered session key is also invalid.

According to the present specification, when the mobile terminal 100 requests the additional session key, it can request the number of additional session keys. As an example, the number of additional requesting session keys may be set by the user. As another example, the number of the requesting additional session keys may be set by the user's transportation history. It is possible to set the number of additional session keys by statistical analysis of whether a transfer event occurs and whether a transfer event occurs when the user stores the history of tagging in the traffic terminal. As another example, the number of the requesting additional session keys may be set according to the information of the traffic terminal in which the initial session key is used. When a user tags a traffic terminal installed in a certain traffic terminal (e.g., a specific station), the number of additional session keys can be set through a statistical analysis of the history in which the transfer event occurs.

The traffic terminal 10 and the mobile terminal 100 according to the present invention can communicate through the NFC module. The NFC module supports non-contact near field wireless communication at a distance of about 10 cm. The NFC module may operate in either a card mode, a reader mode, or a P2P mode. At this time, the traffic terminal 10 operates in a reader mode, and the mobile terminal 100 operates in a card mode. When the NFC module of the traffic terminal 10 is operated in the reader mode, the traffic terminal 10 can read data from the tag of the mobile terminal 100. At this time, the data received by the traffic terminal 10 from the tag may be coded into a data exchange format (NFC Data Exchange Format) defined by the NFC forum. In addition, the NFC Forum defines four record types. Specifically, the NFC forum defines four RTDs (Record Type Definitions) such as Smart Poster, Text, Uniform Resource Identifier (URI), and General Control. The traffic terminal 10 can receive general control type information required for payment from the mobile terminal 100 and execute an appropriate payment operation according to the control contents. Since the case where the NFC module of the mobile terminal 100 operates in the card mode has been described in detail, the repetitive description will be omitted.

6 is a block diagram schematically illustrating the configuration of a mobile terminal according to the present invention.

6, the mobile terminal 100 includes a wireless communication unit 110, an input unit 120, a sensing unit 140, an output unit 150, an interface unit 160, a memory 170, a controller 180 And a power supply unit 190 and the like. The components shown in FIG. 6 are not essential for implementing a mobile terminal, so that the mobile terminal described herein can have more or fewer components than the components listed above.

The wireless communication unit 110 may be connected between the mobile terminal 100 and the wireless communication system or between the mobile terminal 100 and another mobile terminal 100 or between the mobile terminal 100 and the external server 100. [ Lt; RTI ID = 0.0 > wireless < / RTI > In addition, the wireless communication unit 110 may include one or more modules for connecting the mobile terminal 100 to one or more networks.

The wireless communication unit 110 may include at least one of a broadcast receiving module 111, a mobile communication module 112, a wireless Internet module 113, a short distance communication module 114, and a location information module 115 .

The input unit 120 includes a camera 121 or an image input unit for inputting a video signal, a microphone 122 for inputting an audio signal, an audio input unit, a user input unit 123 for receiving information from a user A touch key, a mechanical key, and the like). The voice data or image data collected by the input unit 120 may be analyzed and processed by a user's control command.

The sensing unit 140 may include at least one sensor for sensing at least one of information in the mobile terminal, surrounding environment information surrounding the mobile terminal, and user information. For example, the sensing unit 140 may include a proximity sensor 141, an illumination sensor 142, a touch sensor, an acceleration sensor, a magnetic sensor, A G-sensor, a gyroscope sensor, a motion sensor, an RGB sensor, an infrared sensor, a finger scan sensor, an ultrasonic sensor, A microphone 226, a battery gauge, an environmental sensor (for example, a barometer, a hygrometer, a thermometer, a radiation detection sensor, A thermal sensor, a gas sensor, etc.), a chemical sensor (e.g., an electronic nose, a healthcare sensor, a biometric sensor, etc.). Meanwhile, the mobile terminal disclosed in the present specification can combine and utilize information sensed by at least two of the sensors.

The output unit 150 includes at least one of a display unit 151, an acoustic output unit 152, a haptic tip module 153, and a light output unit 154 to generate an output related to visual, auditory, can do. The display unit 151 may have a mutual layer structure with the touch sensor or may be integrally formed to realize a touch screen. The touch screen may function as a user input unit 123 that provides an input interface between the mobile terminal 100 and a user and may provide an output interface between the mobile terminal 100 and a user.

The interface unit 160 serves as a path to various types of external devices connected to the mobile terminal 100. The interface unit 160 is connected to a device having a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, And may include at least one of a port, an audio I / O port, a video I / O port, and an earphone port. In the mobile terminal 100, corresponding to the connection of the external device to the interface unit 160, it is possible to perform appropriate control related to the connected external device.

In addition, the memory 170 stores data supporting various functions of the mobile terminal 100. The memory 170 may store a plurality of application programs or applications running on the mobile terminal 100, data for operation of the mobile terminal 100, and commands. At least some of these applications may be downloaded from an external server via wireless communication. Also, at least a part of these application programs may exist on the mobile terminal 100 from the time of shipment for the basic functions (e.g., telephone call receiving function, message receiving function, and calling function) of the mobile terminal 100. Meanwhile, the application program may be stored in the memory 170, installed on the mobile terminal 100, and may be operated by the control unit 180 to perform the operation (or function) of the mobile terminal.

In addition to the operations related to the application program, the control unit 180 typically controls the overall operation of the mobile terminal 100. The control unit 180 may process or process signals, data, information, and the like input or output through the above-mentioned components, or may drive an application program stored in the memory 170 to provide or process appropriate information or functions to the user.

In addition, the controller 180 may control at least some of the components illustrated in FIG. 6 to drive an application program stored in the memory 170. [ In addition, the controller 180 may operate at least two of the components included in the mobile terminal 100 in combination with each other for driving the application program.

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power to the components included in the mobile terminal 100. The power supply unit 190 includes a battery, which may be an internal battery or a replaceable battery.

At least some of the components may operate in cooperation with one another to implement a method of operation, control, or control of a mobile terminal according to various embodiments described below. In addition, the operation, control, or control method of the mobile terminal may be implemented on the mobile terminal by driving at least one application program stored in the memory 170. [

Hereinafter, the components listed above will be described in more detail with reference to FIG. 6 before explaining various embodiments implemented through the mobile terminal 100 as described above.

First, referring to the wireless communication unit 110, the broadcast receiving module 111 of the wireless communication unit 110 receives broadcast signals and / or broadcast-related information from an external broadcast management server through a broadcast channel. The broadcast channel may include a satellite channel and a terrestrial channel. Two or more broadcast receiving modules may be provided to the mobile terminal 100 for simultaneous broadcast reception or broadcast channel switching for at least two broadcast channels.

The mobile communication module 112 may be a mobile communication module or a mobile communication module such as a mobile communication module or a mobile communication module that uses technology standards or a communication method (e.g., Global System for Mobile communication (GSM), Code Division Multi Access (CDMA), Code Division Multi Access 2000 (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution And an external terminal, or a server on a mobile communication network established according to a long term evolution (AR), a long term evolution (AR), or the like.

The wireless signal may include various types of data depending on a voice call signal, a video call signal or a text / multimedia message transmission / reception.

The wireless Internet module 113 is a module for wireless Internet access, and may be built in or externally attached to the mobile terminal 100. The wireless Internet module 113 is configured to transmit and receive a wireless signal in a communication network according to wireless Internet technologies.

Wireless Internet technologies include, for example, wireless LAN (WLAN), wireless fidelity (Wi-Fi), wireless fidelity (Wi-Fi) Direct, DLNA (Digital Living Network Alliance), WiBro Interoperability for Microwave Access, High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE) and Long Term Evolution-Advanced (LTE-A) 113 transmit and receive data according to at least one wireless Internet technology, including Internet technologies not listed above.

The wireless Internet module 113 for performing a wireless Internet connection through the mobile communication network can be used for wireless Internet access by WiBro, HSDPA, HSUPA, GSM, CDMA, WCDMA, LTE or LTE- May be understood as a kind of the mobile communication module 112.

The short-range communication module 114 is for short-range communication, and includes Bluetooth ™, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB) (Near Field Communication), Wi-Fi (Wireless-Fidelity), Wi-Fi Direct, and Wireless USB (Wireless Universal Serial Bus) technology. The short-range communication module 114 is connected to the mobile terminal 100 and the wireless communication system through the wireless area networks, between the mobile terminal 100 and another mobile terminal 100, or between the mobile terminal 100 ) And the other mobile terminal 100 (or the external server). The short-range wireless communication network may be a short-range wireless personal area network.

Here, the other mobile terminal 100 may be a wearable device (e.g., a smartwatch, a smart glass, etc.) capable of interchanging data with the mobile terminal 100 according to the present invention (smart glass), HMD (head mounted display)). The short range communication module 114 may detect (or recognize) a wearable device capable of communicating with the mobile terminal 100 around the mobile terminal 100. [ If the detected wearable device is a device authenticated to communicate with the mobile terminal 100 according to the present invention, the control unit 180 may transmit at least a part of the data processed by the mobile terminal 100 to the short- 114 to the wearable device. Therefore, the user of the wearable device can use the data processed by the mobile terminal 100 through the wearable device. For example, according to this, when a telephone is received in the mobile terminal 100, the user performs a telephone conversation via the wearable device, or when a message is received in the mobile terminal 100, It is possible to check the message.

The position information module 115 is a module for obtaining the position (or current position) of the mobile terminal, and a representative example thereof is a Global Positioning System (GPS) module or a Wireless Fidelity (WiFi) module. For example, when the mobile terminal utilizes the GPS module, it can acquire the position of the mobile terminal by using a signal transmitted from the GPS satellite. As another example, when the mobile terminal utilizes the Wi-Fi module, it can acquire the position of the mobile terminal based on information of a wireless access point (AP) that transmits or receives the wireless signal with the Wi-Fi module. Optionally, the location information module 115 may perform any of the other functions of the wireless communication unit 110 to obtain data relating to the location of the mobile terminal, in addition or alternatively. The location information module 115 is a module used to obtain the location (or current location) of the mobile terminal, and is not limited to a module that directly calculates or obtains the location of the mobile terminal.

Next, the input unit 120 is for inputting image information (or signal), audio information (or signal), data, or information input from a user. For inputting image information, Or a plurality of cameras 121 may be provided. The camera 121 processes image frames such as still images or moving images obtained by the image sensor in the video communication mode or the photographing mode. The processed image frame may be displayed on the display unit 151 or stored in the memory 170. [ A plurality of cameras 121 provided in the mobile terminal 100 may be arranged to have a matrix structure and various angles or foci may be provided to the mobile terminal 100 through the camera 121 having the matrix structure A plurality of pieces of image information can be input. In addition, the plurality of cameras 121 may be arranged in a stereo structure to acquire a left image and a right image for realizing a stereoscopic image.

The microphone 122 processes the external acoustic signal into electrical voice data. The processed voice data can be utilized variously according to a function (or a running application program) being executed in the mobile terminal 100. Meanwhile, the microphone 122 may be implemented with various noise reduction algorithms for eliminating noise generated in receiving an external sound signal.

The user input unit 123 is for receiving information from a user and when the information is inputted through the user input unit 123, the control unit 180 can control the operation of the mobile terminal 100 to correspond to the input information . The user input unit 123 may include a mechanical input means (or a mechanical key such as a button located on the front, rear or side of the mobile terminal 100, a dome switch, a jog wheel, Jog switches, etc.) and touch-type input means. For example, the touch-type input means may comprise a virtual key, a soft key or a visual key displayed on the touch screen through software processing, And a touch key disposed on the touch panel. Meanwhile, the virtual key or the visual key can be displayed on a touch screen having various forms, for example, a graphic, a text, an icon, a video, As shown in FIG.

Meanwhile, the sensing unit 140 senses at least one of information in the mobile terminal, surrounding environment information surrounding the mobile terminal, and user information, and generates a corresponding sensing signal. The control unit 180 may control the driving or operation of the mobile terminal 100 or may perform data processing, function or operation related to the application program installed in the mobile terminal 100 based on the sensing signal. Representative sensors among various sensors that may be included in the sensing unit 140 will be described in more detail.

First, the proximity sensor 141 refers to a sensor that detects the presence of an object approaching a predetermined detection surface, or the presence of an object in the vicinity of the detection surface, without mechanical contact by using electromagnetic force or infrared rays. The proximity sensor 141 may be disposed in the inner area of the mobile terminal or in proximity to the touch screen, which is covered by the touch screen.

Examples of the proximity sensor 141 include a transmission type photoelectric sensor, a direct reflection type photoelectric sensor, a mirror reflection type photoelectric sensor, a high frequency oscillation type proximity sensor, a capacitive proximity sensor, a magnetic proximity sensor, and an infrared proximity sensor. In the case where the touch screen is electrostatic, the proximity sensor 141 can be configured to detect the proximity of the object with a change of the electric field along the proximity of the object having conductivity. In this case, the touch screen (or touch sensor) itself may be classified as a proximity sensor.

On the other hand, for convenience of explanation, the act of recognizing that the object is located on the touch screen in proximity with no object touching the touch screen is referred to as " proximity touch & The act of actually touching an object on the screen is called a " contact touch. &Quot; The position at which the object is closely touched on the touch screen means a position where the object corresponds to the touch screen vertically when the object is touched. The proximity sensor 141 can detect a proximity touch and a proximity touch pattern (e.g., a proximity touch distance, a proximity touch direction, a proximity touch speed, a proximity touch time, a proximity touch position, have. Meanwhile, the control unit 180 processes data (or information) corresponding to the proximity touch operation and the proximity touch pattern sensed through the proximity sensor 141 as described above, and further provides visual information corresponding to the processed data It can be output on the touch screen. Furthermore, the control unit 180 can control the mobile terminal 100 such that different operations or data (or information) are processed according to whether the touch to the same point on the touch screen is a proximity touch or a touch touch .

The touch sensor uses a touch (or touch input) applied to the touch screen (or the display unit 151) by using at least one of various touch methods such as a resistance film type, a capacitive type, an infrared type, an ultrasonic type, Detection.

For example, the touch sensor may be configured to convert a change in a pressure applied to a specific portion of the touch screen or a capacitance generated in a specific portion to an electrical input signal. The touch sensor may be configured to detect a position, an area, a pressure at the time of touch, a capacitance at the time of touch, and the like where a touch object touching the touch screen is touched on the touch sensor. Here, the touch object may be a finger, a touch pen, a stylus pen, a pointer, or the like as an object to which a touch is applied to the touch sensor.

Thus, when there is a touch input to the touch sensor, the corresponding signal (s) is sent to the touch controller. The touch controller processes the signal (s) and transmits the corresponding data to the controller 180. Thus, the control unit 180 can know which area of the display unit 151 is touched or the like. Here, the touch controller may be a separate component from the control unit 180, and may be the control unit 180 itself.

On the other hand, the control unit 180 may perform different controls or perform the same control according to the type of the touch object touching the touch screen (or a touch key provided on the touch screen). Whether to perform different controls or to perform the same control according to the type of the touch object may be determined according to the current state of the mobile terminal 100 or an application program being executed.

On the other hand, the touch sensors and the proximity sensors discussed above can be used independently or in combination to provide a short touch (touch), a long touch, a multi touch, a drag touch ), Flick touch, pinch-in touch, pinch-out touch, swipe touch, hovering touch, and the like. Touch can be sensed.

The ultrasonic sensor can recognize the position information of the object to be sensed by using ultrasonic waves. Meanwhile, the controller 180 can calculate the position of the wave generating source through the information sensed by the optical sensor and the plurality of ultrasonic sensors. The position of the wave source can be calculated using the fact that the light is much faster than the ultrasonic wave, that is, the time when the light reaches the optical sensor is much faster than the time the ultrasonic wave reaches the ultrasonic sensor. More specifically, the position of the wave generating source can be calculated using the time difference with the time when the ultrasonic wave reaches the reference signal.

The camera 121 includes at least one of a camera sensor (for example, a CCD, a CMOS, etc.), a photo sensor (or an image sensor), and a laser sensor.

The camera 121 and the laser sensor may be combined with each other to sense a touch of the sensing object with respect to the three-dimensional stereoscopic image. The photosensor can be laminated to the display element, which is adapted to scan the movement of the object to be detected proximate to the touch screen. More specifically, the photosensor mounts photo diodes and TRs (Transistors) in a row / column and scans the contents loaded on the photosensor using an electrical signal that varies according to the amount of light applied to the photo diode. That is, the photo sensor performs coordinate calculation of the object to be sensed according to the amount of change of light, and position information of the object to be sensed can be obtained through the calculation.

The display unit 151 displays (outputs) information processed by the mobile terminal 100. For example, the display unit 151 may display execution screen information of an application program driven by the mobile terminal 100 or UI (User Interface) and GUI (Graphic User Interface) information according to the execution screen information .

In addition, the display unit 151 may be configured as a stereoscopic display unit for displaying a stereoscopic image.

In the stereoscopic display unit, a three-dimensional display system such as a stereoscopic system (glasses system), an autostereoscopic system (no-glasses system), and a projection system (holographic system) can be applied.

The sound output unit 152 may output audio data received from the wireless communication unit 110 or stored in the memory 170 in a call signal reception mode, a call mode or a recording mode, a voice recognition mode, a broadcast reception mode, The sound output unit 152 also outputs sound signals related to functions (e.g., call signal reception sound, message reception sound, etc.) performed in the mobile terminal 100. [ The audio output unit 152 may include a receiver, a speaker, a buzzer, and the like.

The haptic module 153 generates various tactile effects that the user can feel. A typical example of the haptic effect generated by the haptic module 153 may be vibration. The intensity and pattern of the vibration generated in the haptic module 153 can be controlled by the user's selection or the setting of the control unit. For example, the haptic module 153 may synthesize and output different vibrations or sequentially output the vibrations.

In addition to vibration, the haptic module 153 may be configured to perform various functions such as a pin arrangement vertically moving with respect to the contact skin surface, a spraying force or suction force of the air through the injection port or the suction port, a touch on the skin surface, And various tactile effects such as an effect of reproducing a cold sensation using an endothermic or exothermic element can be generated.

The haptic module 153 can transmit the tactile effect through the direct contact, and the tactile effect can be felt by the user through the muscles of the finger or arm. The haptic module 153 may include two or more haptic modules 153 according to the configuration of the mobile terminal 100.

The light output unit 154 outputs a signal for notifying the occurrence of an event using the light of the light source of the mobile terminal 100. Examples of events that occur in the mobile terminal 100 may include message reception, call signal reception, missed call, alarm, schedule notification, email reception, information reception through an application, and the like.

The signal output from the light output unit 154 is implemented as the mobile terminal emits light of a single color or a plurality of colors to the front or rear surface. The signal output may be terminated by the mobile terminal detecting the event confirmation of the user.

The interface unit 160 serves as a path for communication with all external devices connected to the mobile terminal 100. The interface unit 160 receives data from an external device or supplies power to each component in the mobile terminal 100 or transmits data in the mobile terminal 100 to an external device. For example, a port for connecting a device equipped with a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, an audio I / O port, a video I / O port, an earphone port, and the like may be included in the interface unit 160.

The identification module is a chip for storing various information for authenticating the use right of the mobile terminal 100 and includes a user identification module (UIM), a subscriber identity module (SIM) A universal subscriber identity module (USIM), and the like. Devices with identification modules (hereinafter referred to as "identification devices") can be manufactured in a smart card format. Accordingly, the identification device can be connected to the terminal 100 through the interface unit 160. [

The interface unit 160 may be a path through which power from the cradle is supplied to the mobile terminal 100 when the mobile terminal 100 is connected to an external cradle, And various command signals may be transmitted to the mobile terminal 100. The various command signals or the power source input from the cradle may be operated as a signal for recognizing that the mobile terminal 100 is correctly mounted on the cradle.

The memory 170 may store a program for the operation of the controller 180 and temporarily store input / output data (e.g., a phone book, a message, a still image, a moving picture, etc.). The memory 170 may store data related to vibration and sound of various patterns outputted when a touch is input on the touch screen.

The memory 170 may be a flash memory type, a hard disk type, a solid state disk type, an SDD type (Silicon Disk Drive type), a multimedia card micro type ), Card type memory (e.g., SD or XD memory), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read memory, a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, and / or an optical disk. The mobile terminal 100 may operate in association with a web storage that performs the storage function of the memory 170 on the Internet.

Meanwhile, as described above, the control unit 180 controls the operations related to the application program and the general operation of the mobile terminal 100. [ For example, when the state of the mobile terminal meets a set condition, the control unit 180 can execute or release a lock state for restricting input of a user's control command to applications.

In addition, the control unit 180 performs control and processing related to voice communication, data communication, video call, or the like, or performs pattern recognition processing to recognize handwriting input or drawing input performed on the touch screen as characters and images, respectively . Further, the controller 180 may control any one or a plurality of the above-described components in order to implement various embodiments described below on the mobile terminal 100 according to the present invention.

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power necessary for operation of the respective components. The power supply unit 190 includes a battery, the battery may be an internal battery configured to be chargeable, and may be detachably coupled to the terminal body for charging or the like.

In addition, the power supply unit 190 may include a connection port, and the connection port may be configured as an example of an interface 160 through which an external charger for supplying power for charging the battery is electrically connected.

As another example, the power supply unit 190 may be configured to charge the battery in a wireless manner without using the connection port. In this case, the power supply unit 190 may use at least one of an inductive coupling method based on a magnetic induction phenomenon from an external wireless power transmission apparatus and a magnetic resonance coupling method based on an electromagnetic resonance phenomenon Power can be delivered.

The payment method described above can be implemented as a computer-readable code on a medium on which the program is recorded. The computer readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of the computer readable medium include a hard disk drive (HDD), a solid state disk (SSD), a silicon disk drive (SDD), a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, , And may also be implemented in the form of a carrier wave (e.g., transmission over the Internet). Also, the computer may include a control unit 180 of the terminal. Accordingly, the above description should not be construed in a limiting sense in all respects and should be considered illustrative. The scope of the present invention should be determined by rational interpretation of the appended claims, and all changes within the scope of equivalents of the present invention are included in the scope of the present invention.

7 is a block diagram schematically showing the configuration of a control unit in the mobile terminal according to the present specification.

Referring to FIG. 7, the mobile terminal 100 according to the present invention includes a wake-up lock unit 181, a traffic card information request unit 182, a payment information responding unit 183, A response unit 184 and a payment result transmission unit 185. [

When the screen of the mobile terminal is turned off, the wake module 181 can set a USIM LOCK.

The traffic card information request unit 182 may request the payment server for the traffic card information when receiving the payment information request from the traffic terminal.

The payment information responding unit 183 may transmit the payment information response to the traffic terminal after receiving the traffic card information from the payment server.

The purchase information responding unit 184 can transmit a purchase information response when receiving the purchase information from the traffic terminal.

The payment result transmitting unit 185 may transmit the payment result to the payment server when receiving the payment result from the traffic terminal.

The lock setting unit 181 according to the present invention can set USIM LOCK when the SE type service provider stored in the wake mode is the same as the HCE type service provider.

Upon receiving the payment information request from the traffic terminal, the traffic card information requesting unit 182 may request the payment server for the session key (hereinafter, 'initial session key') if the session key is not stored.

In this case, the mobile terminal 100 according to the present specification may further include a session key call section 186 and a memory 170. [

The session key application unit 186 may request the payment server for a session key.

The memory 170 may store a session key (hereinafter 'additional session key') received from the payment server.

The additional session key according to the present invention may be a session key whose settlement is valid only in the same traffic terminal as the traffic terminal requesting payment information.

The additional session key according to the present disclosure may be a plurality of session keys. In this case, the number of the additional session keys may be 2N + 1 (N is a natural number of one director). In addition, the plurality of additional session keys may further include information on a payment order. Furthermore, the even-numbered additional session key among the plurality of additional session keys may include available time information available from the use time of the odd-numbered session key.

The detailed description of each of the above-described configurations has already been described in detail with reference to FIG. 2 and FIG. 5, and a repetitive description thereof will be omitted. Further, the additional functions or the limitation items mentioned in the explanation of the settlement method can be made in the same step corresponding to each constitution of the mobile terminal 100 according to the present specification. Further, the wakeup lock portion 181, the traffic card information request portion 182, the payment information responding portion 183, the purchase information responding portion 184, the payment result transmitting portion 185 and the session key calling portion 186 It should be understood that this is only a name for functionally distinguishing each role being processed in the controller 180, and not necessarily a physically separate configuration.

The embodiments and the accompanying drawings described in the present specification are merely illustrative of some of the technical ideas included in the present invention. Accordingly, the embodiments disclosed herein are for the purpose of describing rather than limiting the technical spirit of the present invention, and it is apparent that the scope of the technical idea of the present invention is not limited by these embodiments. It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

10: Traffic Terminal
30: Payment server
100: mobile terminal

Claims (10)

A method for a mobile terminal to perform a transaction card payment,
(a) when the screen of the mobile terminal is turned off, setting the USIM LOCK by the mobile terminal;
(b) when the mobile terminal receives a payment information request from the traffic terminal, it judges whether or not it holds the session key, and when the mobile terminal does not hold the session key, transmits the session key );
(c) the mobile terminal requests traffic card information from the payment server;
(d) after the mobile terminal receives the traffic card information from the payment server, transmitting a payment information response to the traffic terminal;
(e) transmitting a purchase information response when the mobile terminal receives purchase information from the traffic terminal;
(f) transmitting the payment result to the payment server when the mobile terminal receives the payment result from the traffic terminal;
(g) requesting the payment server for a session key (hereinafter referred to as 'additional session key') after the mobile terminal transmits the payment result to the payment server; And
(h) the mobile terminal receiving and storing the additional session key from the payment server
And transmitting the transportation card to the destination. The method according to claim 1,
Wherein the step (a) sets a USIM LOCK when the SE type service provider stored in the wake mode is the same as the HCE mode service provider. delete The method according to claim 1,
Wherein the additional session key is a session key whose payment is valid only in the same traffic terminal as the traffic terminal requesting the payment information in the step (b). The method according to claim 1,
Wherein the additional session key is a plurality of session keys. The method of claim 5,
Wherein the number of the additional session keys is 2N + 1 (N is a natural number of one moving member). The method of claim 5,
Wherein the plurality of additional session keys further include information on a payment order. The method of claim 5,
Wherein the even-numbered additional session key among the plurality of additional session keys includes available time information available from the use time of the odd-numbered session key. A computer program recorded on a computer-readable recording medium, the computer program being written in the computer to perform the steps of the payment method according to any one of claims 1, 2 and 4 to 8. A wake-up lock unit for setting a wake-up lock (USIM LOCK) when the screen of the mobile terminal is turned off;
(a) Upon receipt of a payment information request from the traffic terminal, it is determined whether or not the session key is held. If the session key is not held, the payment server is requested of the session key (hereinafter, 'initial session key') (b) a traffic card information requesting unit for requesting the payment server for the transportation card information;
A payment information responding unit for receiving the traffic card information from the payment server and transmitting a payment information response to the traffic terminal;
A purchase information responding unit for transmitting a purchase information response when receiving purchase information from the traffic terminal;
A payment result transmitting unit for transmitting the payment result to the payment server when the payment result is received from the traffic terminal;
A session key calling unit for requesting the payment server for a session key (hereinafter referred to as 'additional session key') after transmitting the payment result to the payment server; And
(h) a memory for storing the additional session key received from the payment server
The mobile terminal comprising:

Images