KR20090045901A - Recording medium - Google Patents

Abstract

The present invention relates to a recording medium, characterized in that provided in the mobile phone having at least two or more payment means on the memory, the predetermined discount benefits during the payment processing from the server or the terminal during the payment processing using the mobile phone Realizing a function of receiving specific payment means information provided, extracting a payment means corresponding to the received specific payment means information from the memory, and providing the extracted payment means to the payment processing means; Record the program for

Specific payment method, wireless terminal

Description

Recording medium {Recording Medium}

1 is a simple internal configuration of a wireless payment type automatic payment method according to a preferred embodiment of the present invention.

2 is a simple flowchart illustrating a payment process using a wireless terminal for automatically selecting a specific payment method according to a preferred embodiment of the present invention.

3 is a diagram illustrating an example of a browser screen of a wireless terminal for automatically selecting a specific payment method according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: wireless terminal 105: control unit

110: agent 115: screen output unit

120: key input unit 125: voice processing unit

130: battery 135: memory

140: receiver 145: IC chip interface

150: IC chip 155: server

160: terminal

The present invention is characterized in that provided in the mobile phone having at least two payment means on the memory, the specific payment means information provided with a predetermined discount during the payment processing from the server or the terminal during the payment processing using the mobile phone A program for recording a program for realizing a function of receiving a function, extracting a payment means corresponding to the received specific payment means information from the memory, and providing the extracted payment means to the payment processing means. It is about the medium.

As the Internet infrastructure becomes widespread, electronic commerce on the Internet is gradually increasing, and various payment methods (eg, credit cards, prepaid cards, account transfers, etc.) are used.

On the other hand, with the development of wireless terminals and IC chips, the IC chip equipped with a variety of payment means is detached from the wireless terminal, it is possible to pay using a wireless terminal that the user always carry.

However, payment using a wireless terminal has not yet been widely used in infrastructure, and a user interface (for example, a screen interface, etc.) has a disadvantage in comparison with a conventional wired terminal (for example, a PC). In addition, when the payment using the wireless terminal, a large number of key manipulation of the user is expected in selecting and loading the payment means in the IC chip, which is pointed out as a major obstacle to the spread of the payment infrastructure using the wireless terminal.

An object of the present invention for solving the above problems, characterized in that provided in the mobile phone having at least two or more payment means on the memory, when the payment processing using the mobile phone, when the payment processing from the server or terminal Providing the payment processing means with a function of receiving specific payment means information provided with a predetermined discount benefit, a function of extracting a payment means corresponding to the received specific payment means information from the memory, and the extracted payment means; It is to provide a recording medium for recording a program for realizing the function.

The recording medium according to the present invention is characterized in that the mobile phone is provided with at least two or more payment means on the memory, a predetermined discount benefits are provided in the payment processing from the server or the terminal during the payment processing using the mobile phone For receiving a specific payment means information, a function for extracting a payment means corresponding to the received specific payment means information from the memory, and providing the extracted payment means to the payment processing means. It is characterized by recording the program.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings, and first, predetermined reference numerals are added to the components shown in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

Figure 1 is a simple internal configuration of a specific payment means automatically selected wireless terminal 100 according to a preferred embodiment of the present invention.

Referring to FIG. 1, the wireless terminal 100 basically includes a control unit 105, a screen output unit 115, a key input unit 120, a voice processing unit 125, a memory unit 135, a wireless processing unit, and a power supply. The IC chip 150 and the IC chip 150 mounted on or detached from the wireless terminal 100 and predetermined information or data (eg, at least one payment means information) are read. And an IC chip 150 interface 145 for writing / writing.

In addition, the wireless terminal 100 according to a preferred embodiment may further include a near field communication means for near field communication.

The control unit 105 of the wireless terminal 100 includes a processor, an execution memory, and a bus (BUS), and after the booting and / or booting of the wireless terminals 100 and 100 are performed, the wireless terminal 100 is unique. Routine that is loaded from the storage memory into the execution memory to be performed by a processor to perform a function of a chip, or a chipset form SMD on a printed circuit board (PCB) provided inside the wireless terminal 100. Mounted Device, which is a generic term of a predetermined chipset routine that is provided to the execution memory and a processor via a bus to perform a function specific to the wireless terminal 100, and performs a function specific to the wireless terminal 100. An operating system (OS) loaded from the storage memory into the execution memory and a system program for controlling and controlling the terminal 160 and an agent for performing a predetermined function. Mathematics operation with a System Management Module and an Agent Operation Module, which are provided in the form of a chipset on a PC 110 program or an PCB inside the wireless terminal 100. It may include a coprocessor (eg, a codec operation, or an encryption operation).

The control unit 105 of the wireless terminal 100 performs a function unique to the known wireless terminal 100 or a predetermined function provided in the wireless terminal 100 for a specific purpose, and controls the overall operation thereof. It features a management box. For example, all functions and / or tasks performed through the wireless terminal 100 are performed through the controller 105, and in the process, the controller 105 is at least one or more provided in the wireless terminal 100. Controls and manages functions of the function performing unit (eg, the screen output unit 115, the key input unit 120, the wireless processing unit, and / or the voice processing unit 125, etc.), and processes a predetermined job using the function performing unit. It is preferable to.

According to a preferred embodiment of the present invention, the control unit 105 stores specific payment means information provided from an external server 155 or the terminal 160 to be presented by the present invention. 100) characterized in that a predetermined agent 110 for extracting the same payment means from the memory in comparison with at least one or more payment means information mounted on the memory or IC chip 150).

According to a preferred embodiment, the agent 110 is preferably executed automatically when the predetermined payment request information is received by the wireless terminal 100.

For example, when a user wants to make a payment through the wireless terminal 100 (payment using at least one payment method in the memory of the wireless terminal 100), the agent 110 according to the present invention may request wireless payment. By checking the specific payment method discount information included in the payment request message transmitted from the server 155 on the network or the terminal 160 on the short-range communication, the same payment method as the payment method exists in the memory of the wireless terminal 100. By making sure that the extraction is made, the payment can be made with the extracted payment means.

Preferably, the specific payment means discount information when the payment (including all payments for a specific server or payment for a specific product or service in a specific server 155 or terminal 160, etc.), By applying a predetermined discount or incentive, the information may be advantageous to the user's purchase.

The screen output unit 115 of the wireless terminal 100 inputs at least one or more key data generated by the key input unit 120 and / or various information and signals generated and / or generated during the control process of the controller 105. It is characterized in that it serves to output to the screen (for example, LCD (Liquid Crystal Display)) provided in the wireless terminal 100.

According to the present invention, the screen output unit 115 may provide payment request information (eg, payment product or service information, payment amount information, merchant information, etc.) provided from an external server 155 or the terminal 160. Is displayed on the screen so that the user can check it.

In addition, the screen output unit 115 may output the callback UEL information or the specific payment means information that can be included in the payment request information, according to the present invention, the process of driving the agent 110 and the identification of the agent 110 The payment method extraction process can be output.

The key input unit 120 of the wireless terminal 100 includes a plurality of number keys, a character key for inputting characters, and at least one or more function keys. When the user presses a predetermined key, the wireless terminal 100 generates corresponding key data and provides the same to the controller 105.

For example, the key input unit 120 may be provided with a numeric key for inputting a PIN (Personal Identification Number) for performing wireless payment through a payment means provided in the memory or the IC chip 150.

The voice processing unit 125 of the wireless terminal 100 encodes a voice signal input from a microphone and transmits the encoded audio signal to the wireless processing unit through the control unit 105, and decodes a signal received through the wireless processing unit. And a function of outputting as a voice signal to the speaker via 105.

Preferably, as described above, the voice signal input and output through the voice processor 125 connects voice calls to at least two voice call devices through the voice channel included in the wireless processor.

According to the present invention, the receiver 140 of the wireless terminal 100 specifies that a predetermined discount benefit or incentive is provided during the payment processing from the server 155 or the terminal 160 in the payment processing using the wireless terminal 100 according to the present invention. Receive payment method information.

In FIG. 1, in order to describe the receiver 140 in more detail, the receiver 140 is divided according to a payment processing using a wireless communication (wireless processing unit) and a payment processing using a short range communication (near field communication means). In order to achieve the present invention, it is preferable that at least one wireless processing unit and / or short range communication means be mounted on the wireless terminal 100.

The wireless processing unit processes a radio frequency signal transmitted and received in a wireless communication section between the wireless terminal 100 and a base station on a mobile communication network through a radio frequency (RF). IF part for frequency processing.

For example, the radio frequency signal transmitted and received through the radio communication section between the radio processor and the base station may include a voice channel and a data channel. In this case, the voice channel is a radio frequency signal transmitted and received through a wireless communication section between the wireless processing unit and the base station, a wired communication section consisting of a control station connected to at least one or more base stations and an exchange station connecting at least one or more control stations. The voice call is made through.

In addition, in the case of a data channel for transmitting and receiving payment request information and the like according to the present invention, a radio frequency signal transmitted and received through a wireless communication section between a wireless processing unit and a base station may include a control station connected to at least one or more base stations, and at least one or more base stations. An exchange station connecting a control station, a network interlocking device (e.g., an interworking function (IWF)) for extracting a data signal from the signal reaching the exchange station and routing it to a packet-based network, and the gateway through a packet-based network A communication session with the wireless terminal 100 and the communication server 155 on the network is connected through a wired communication section including a communication server 155 on the network to be connected.

The short range communication means of the wireless terminal 100 may be presented in various ways according to the type and function of the wireless terminal 100. For example, the short-range communication means that can be mounted in the wireless terminal 100 may be RF communication, Bluetooth communication, wireless LAN communication, infrared communication, ultra-wideband communication, etc., which may be any short-range communication means according to the present invention. It is preferable to apply suitably according to whether it mounts on (100).

For example, when the short range communication means of the wireless terminal 100 is applied to the present invention, the offline payment terminal 160 (for example, the payment terminal 160 equipped with at least one short range communication means) is not a wireless network. In this case, the agent 110 of the controller 105 checks the specific payment means information included in the payment request information provided through the short-range communication means, and makes an appropriate payment according to the present invention. The means are extracted from the wireless terminal 100 memory.

The memory unit 135 of the wireless terminal 100 generally includes a predetermined program code for controlling the overall operation of the wireless terminal 100, information input and / or output when an operation by the program code is performed, and And / or a general term for a space and / or a storage area where data and the like are stored, for example, a read-only memory such as a read only memory (ROM) and an electrically erasable and programmable read only memory (EEPROM) or a flash memory (FM). It is characterized in that provided in the wireless terminal 100 in the form of a read / write memory or the like.

According to a preferred embodiment, the memory unit 135 may carry at least one payment means information.

According to the present invention, the memory unit 135 stores the predetermined payment means information corresponding to the specific payment means information provided by the agent 110 of the controller 105 from the external server 155 or the terminal 160. The command code and / or the agent 110 driving code for extracting from the 135 or the IC chip 150 are preferably stored.

The transaction unit 115 connects a transaction session based on ultra-wideband communication with the device or server 155 and 170 for wireless payment processing through ultra-wideband communication, and the device or server 155 through the transaction session. Receives and reads predetermined payment data including payment information (for example, purchase product information, payment amount, and merchant information) from the 170 and performs a predetermined operation corresponding thereto, and the wireless terminal 100 (100) Key input unit (120) 130 and / or payment means reader unit 120 is provided in the payment means information (for example, wireless payment processing from the IC chip 150, 160 having at least one payment method is provided) , Credit card number, customer identification information, authorized certificate), predetermined payment data including the payment means information to the device or server (155) (170) via ultra-wideband communication in accordance with the EMV standard To transmit It characterized.

The payment means reading unit 120 receives predetermined payment information from the device or the server 155 or 170 through the transaction unit 115, or the payment means reading command through the key input unit 120 or 130. In this case, the payment means reader 120 reads the payment means information included in the IC chips 150 and 160 and the memory unit 135 and 155 of the wireless terminal 100 and 100. Extracts the payment method information reading command based on the APDU (Application Protocol Data Unit) based on the ISO / IEC 7816 standard from the payment method read information provided in the), and through the IC chip 150 interface 145 (150) The payment means information is read from the IC chip 150 or 160 mounted on or detached from the wireless terminal 100 or 100.

The IC chip 150 of the wireless terminal 100 is preferably configured and mounted with reference to the IC chip 150 standard including the ISO / IEC 7816 and / or ISO / IEC 14443, and the EMV standard. The IC chip 150 may be mounted on or detached from the wireless terminal 100, and may include a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), and a programming power supply (VPP). And / or an input / output interface 145 that communicates with the card terminal 160 device through contact points such as input / output (I / O), a central process unit (CPU), a micro process unit (MPU), and / or a nose. A processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EPEPROM), a flash memory (FM), and the like. It consists of a memory unit 135 consisting of at least one memory element including.

For example, at least one of the memory devices may be provided with a Chip Operating System (COS) for managing and operating smart card internal resources, and at least one of the remaining memory devices may be provided in a wireless payment system according to the present invention. IC chip 150 storage information (eg, credit card storage information, prepaid card storage information, debit card storage information, account information, etc.) corresponding to at least one or more payment means required for processing is preferably provided.

The IC chip 150 interface 145 of the wireless terminal 100 controls the control unit 105 of the wireless terminal 100 through the IC chip 150 standard including ISO / IEC 7816 and / or ISO / IEC 14443. And / or exchange information and / or data between the function execution unit and the IC chip 150. For example, the IC chip 150 interface 145 provides information and / or data exchange between the agent 110 program and the IC chip 150 through an APDU (Application Protocol Data Unit).

The server 155 shown in FIG. 1 exists on a wired / wireless network and is characterized in executing a payment transaction with the wireless terminal 100 according to the present invention. For example, when a user connects to the Internet and selects a product or service to purchase, the server 155 transmits payment request information to the wireless terminal 100. In this case, the payment request information preferably includes a callback UEL that can access the server 155 and specific payment means information provided with a predetermined discount or incentive.

In addition, the terminal 160 illustrated in FIG. 1 may be a payment terminal 160 located in an offline store when offline payment using the user wireless terminal 100 is performed. At this time, it is preferable that the payment terminal 160 and the wireless terminal 100 perform data communication through a predetermined short-range communication.

2 is a simple flowchart of a payment process using the wireless payment method 100 automatically selected payment method according to a preferred embodiment of the present invention.

Referring to FIG. 2, the receiving unit 140 includes at least one payment method in a memory and receives specific payment method information from the server 155 or the terminal 160 provided with a predetermined discount or incentive during payment processing. And an example of a process of making a payment through the wireless terminal 100 having an agent 110 which extracts a payment means corresponding to the received specific payment information from the memory and provides the payment means to a payment processing means. .

Referring to FIG. 2, when a user selects a product or service to purchase by accessing the Internet shopping mall server 155 or the like and requests a purchase using the user wireless terminal 100 (200), the shopping mall server 155 The payment request information (message) for the product or service selected by the user is prepared, and the created payment request information is transmitted to the user wireless terminal 100 (205).

In this case, the server 155 may refer to the registered user wireless terminal 100 or may request information on the wireless terminal 100 of the user when a purchase request is made.

The payment request information provided from the server 155 to the user wireless terminal 100 may include payment amount information, payment product or service information, merchant information, server 155 callback UL information, and the like. The payment request information includes specific payment means information that provides a predetermined discount or incentive when paying for the purchase of the product or service.

The reception unit 140 of the wireless terminal 100 receives payment request information transmitted from the server 155 or the terminal 160 through a wireless network (or near field communication, etc.) (210). Then, the control unit 105 of the wireless terminal 100 checks whether the specific payment means information provided with a predetermined discount benefit or incentive is present in the payment request information (215).

If the payment request information provided from the server 155 or the terminal 160 does not include specific payment means information provided with a predetermined discount benefit or incentive at the time of payment (220), the user pays for the purchase of the product or service. The process of determining the payment means to be carried out is carried out (225).

On the contrary, if the payment request information includes specific payment means information provided with a predetermined discount benefit or incentive at the time of payment (230), the control unit 105 of the wireless terminal 100 starts the operation of the agent 110 ( 235).

The driven agent 110 checks the specific payment means information and searches whether the specific payment means information exists in the memory or IC chip 150 in which the user payment means information is stored (240).

If the specific payment means information does not exist in the memory or IC chip 150 where the user payment means information is stored (245), the user may make a payment for the purchase of the product or server 155. The payment method may be determined, or the agent 110 may make a payment for the purchase of the product or service using a predetermined payment method.

On the other hand, if the agent 110 searches for the specific payment means information provided with a predetermined discount or incentive at the time of the payment in the memory or IC chip 150 in which the user payment means information is stored (250), the agent 110 Extracts the retrieved specific payment means information from the memory or the IC chip 150 (255).

In addition, the agent 110 automatically determines the extracted specific payment means information as the payment means for the purchase of the product or service (260) and corresponds to the payment request information provided from the server 155 or the terminal 160. The determined payment means information is included in the payment request response information (S265).

If the determined payment means information is included in the payment request response information corresponding to the payment request information provided from the server 155 or the terminal 160, the wireless terminal 100 transmits the payment means response information to the server 155. Alternatively, the terminal 160 transmits the payment to the terminal 160 (270), and the server 155 or the terminal 160 provides a discount or incentive due to the payment of the specific payment method (275). The payment processing process using the automatically selected wireless terminal 100 is completed successfully.

3 is a view illustrating a browser screen of a wireless terminal 100 automatically selecting a specific payment method at the time of payment according to a preferred embodiment of the present invention.

Figure 3 is an example of the information that can be displayed on the screen of the wireless terminal at the time of payment through a wireless payment type automatic selection method according to the present invention in order to help the understanding of the present invention, the figure is an understanding of the present invention In order to help the implementation of the present invention by those skilled in the art, the information displayed on the screen of the wireless terminal may vary within the scope without departing from the spirit of the present invention.

An example of the wireless terminal screen shown in the upper right of FIG. 3 is the payment request information transmitted from the payment server or the terminal to the wireless terminal when the user requests payment using the wireless terminal. The date and time of purchase, purchase items, purchase price, purchase merchant information, etc. are available.

In addition, the payment request information, according to the present invention, the information is included in a specific payment means (for example, LG card) provided with a predetermined discount or incentive at the time of payment.

An example of the wireless terminal screen shown in the upper left of FIG. 3 is a specific payment means (eg, LG card) provided with a predetermined discount or incentive during the payment among user payment means information stored in a memory or an IC chip of the wireless terminal. This is a screen example of searching for information by an agent according to the present invention.

3 illustrates an example of the wireless terminal screen shown in the lower left of FIG. 3, in which the agent of the wireless terminal stores a predetermined discount or incentive at the time of payment among the payment means stored in the wireless terminal memory or the IC chip. It is an exemplary view for searching for a specific payment method (eg, LG card) provided to display searched specific payment method information, and determining whether to determine the searched specific payment method information as a payment method for purchasing the product.

In a preferred embodiment, it is reasonable that payment is made automatically with the searched specific payment method (eg LG Card), but the user does not want to pay with the searched specific payment method, or for other reasons (eg card suspension, validity). In response to a case in which the searched specific payment means cannot be used due to a lapse of a period of time, exceeding a usage limit, etc., a screen example for requesting selection of the user is shown.

According to the present invention, by receiving a specific payment means information provided with a predetermined discount benefits or incentives at the time of payment from the server or the terminal, and extracts the payment means corresponding to the received specific payment means information from the memory or IC chip, automatically Through the wireless terminal to be used as a means of payment processing, the user can check the payment means provided with discount benefits or incentives one by one, and reduce the hassle of selecting it from a memory or an IC chip.

In addition, by providing a more convenient service for the wireless terminal is provided with a payment means, there is an advantage that can lead to wide spread and utilization of the wireless terminal provided with a payment means.

Claims (1)

Characterized in that the mobile phone is provided with at least two or more payment means on the memory, A function of receiving specific payment means information provided with a predetermined discount during the payment processing from a server or a terminal during the payment processing using the mobile phone; Extracting a payment means corresponding to the received payment means information from the memory; And And a program for realizing the function of providing the extracted payment means to the payment processing means.

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