KR20090121026A - Mobile terminal and payment method thereof - Google Patents

Abstract

PURPOSE: A mobile terminal and a payment method thereof performing payment process are provided to perform payment process and receive settlement information in the mobile terminal of the other user. CONSTITUTION: A wireless communication unit(110) receives payment measure information from a terminal. A controller(180) manages a payment by using the payment measure information received through the wireless communication unit. The payment measure information includes a card number, the term of validity, and a usage limitation. The user information includes a user name, a social security number and an electronic signature.

Description

Mobile terminal and payment method {MOBILE TERMINAL AND PAYMENT METHOD THEREOF}

The present invention relates to a mobile terminal and a payment method for payment processing using the payment means information previously stored in the other terminal.

The mobile terminal may be configured to perform various functions. Examples of such various functions include data and voice communication functions, taking pictures or videos through a camera, storing voices, playing music files through a speaker system, and displaying images or videos. Some mobile terminals include additional functionality to play games, while others are implemented as multimedia devices. Moreover, recent mobile terminals can receive broadcast or multicast signals to watch video or television programs.

In addition, efforts to support and increase the function of the mobile terminal continue. The above efforts include not only changes and improvements in structural components forming the mobile terminal, but also improvements in software and hardware.

In addition, as interest in near field communication increases, efforts have been made to provide various financial services and payment services to which a near field communication technology that a user can use more conveniently in a mobile terminal is applied.

An object of the present invention is to provide a mobile terminal and a payment method for providing previously stored payment means information to another terminal.

An object of the present invention is to provide a mobile terminal and a payment method for payment processing using the payment means information provided from the other terminal.

The mobile terminal according to an embodiment of the present invention for realizing the above problem includes a wireless communication unit for receiving payment means information from another terminal, and a control unit for processing payment using the payment means information received through the wireless communication unit. Include.

The payment means information includes the card number, expiration date, usage.

The payment means information further includes user information for user authentication, such as a user name, social security number, and electronic signature.

The payment means information further includes information for limiting information such as the use time, the number of times of use, the amount of money used for payment means information.

The payment means information is transmitted and received in the form of a message or over the air (OTA).

The mobile terminal according to the present invention configured as described above may receive payment means information from another terminal and process payment using the received payment means information.

Therefore, when the payment means information does not exist in the user's mobile terminal, the user may request and receive payment means information present in the mobile terminal of another user and perform payment processing using the received payment means information.

In addition, the present invention can remotely pay for the amount of goods purchased by the other terminal in the remote.

Hereinafter, a mobile terminal related to the present invention will be described in more detail with reference to the accompanying drawings.

1 is a block diagram of a mobile terminal according to an embodiment of the present invention.

The mobile terminal can be implemented in various forms. For example, the mobile terminal described in the present specification may be a mobile phone, a smart phone, a notebook computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), or a navigation (Navigation). Etc.

The illustrated mobile terminal 100 includes a wireless communication unit 110, an A / V input unit 120, a user input unit 130, a sensing unit 140, an output unit 150, a memory 160, The interface unit 170 may include a controller 180, a power supply unit 190, and the like. 1 shows a mobile terminal having various components. However, not all illustrated components are essential components. The mobile terminal may be implemented by more components than the illustrated components, and the mobile terminal may be implemented by fewer components.

Hereinafter, the components will be described in turn.

The wireless communication unit 110 may include one or more components for wireless communication between the mobile terminal 100 and the wireless communication system or wireless communication between the mobile terminal 100 and a network in which the mobile terminal 100 is located. For example, the wireless communication unit 110 may include a broadcast receiving module 111, a mobile communication module 112, a wireless internet module 113, a short range communication module 114, a location information module 115, and the like. .

The broadcast receiving module 111 receives a broadcast signal 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. The broadcast management server may mean a server that generates and transmits a broadcast signal and / or broadcast related information or a server that receives a previously generated broadcast signal and / or broadcast related information and transmits the same to a terminal. The broadcast related information may mean information related to a broadcast channel, a broadcast program, or a broadcast service provider. The broadcast signal may include not only a TV broadcast signal, a radio broadcast signal, and a data broadcast signal, but also a broadcast signal having a data broadcast signal combined with a TV broadcast signal or a radio broadcast signal.

Meanwhile, the broadcast related information may be provided through a mobile communication network, and in this case, may be received by the mobile communication module 112.

The broadcast related information may exist in various forms. For example, it may exist in the form of Electronic Program Guide (EPG) of Digital Multimedia Broadcasting (DMB) or Electronic Service Guide (ESG) of Digital Video Broadcast-Handheld (DVB-H).

The broadcast receiving module 111 receives broadcast signals using various broadcasting systems, and in particular, digital multimedia broadcasting-terrestrial (DMB-T), digital multimedia broadcasting-satellite (DMB-S), and media forward link (MediaFLO). Digital broadcast signals can be received using digital broadcasting systems such as only), digital video broadcast-handheld (DVB-H), integrated services digital broadcast-terrestrial (ISDB-T), and the like. Of course, the broadcast receiving module 111 is configured to be suitable for all broadcast systems providing broadcast signals as well as the digital broadcast system described above.

The broadcast signal and / or broadcast related information received through the broadcast receiving module 111 may be stored in the memory 160.

In addition, the mobile communication module 112 transmits and receives a radio signal with at least one of a base station, an external terminal, and a server on a mobile communication network. The wireless signal may include various types of data according to transmission and reception of a voice call signal, a video call signal, or a text / multimedia message.

The wireless internet module 113 refers to a module for wireless internet access, and the wireless internet module 113 may be internal or external.

The short range communication module 114 refers to a module for short range communication. As a short range communication technology, Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, etc. may be used.

In addition, the location information module 115 is a module for checking or obtaining the location of the mobile terminal. One example is the Global Position System (GPS) module. The GPS module receives location information from a plurality of satellites. Here, the location information may include coordinate information represented by latitude and longitude. For example, the GPS module can measure the exact time and distance from three or more satellites and accurately calculate the current position by triangulating three different distances. A method of obtaining distance and time information from three satellites and correcting the error with one satellite may be used. In particular, the GPS module can obtain not only the location of latitude, longitude, and altitude but also accurate time together with three-dimensional speed information from the location information received from the satellite.

Meanwhile, the A / V input unit 120 is for inputting an audio signal or a video signal, and may include a camera 121 and a microphone 122. The camera 121 processes image frames such as still images or moving images obtained by the image sensor in the video call mode or the photographing mode. The processed image frame may be displayed on the display unit 151.

The image frame processed by the camera 121 may be stored in the memory 160 or transmitted to the outside through the wireless communication unit 110. Two or more cameras 121 may be provided according to the configuration aspect of the terminal.

The microphone 122 receives an external sound signal by a microphone in a call mode, a recording mode, a voice recognition mode, etc., and processes the external sound signal into electrical voice data. The processed voice data may be converted into a form transmittable to the mobile communication base station through the mobile communication module 112 and output in the call mode. The microphone 122 may implement various noise removing algorithms for removing noise generated in the process of receiving an external sound signal.

The user input unit 130 generates input data for the user to control the operation of the terminal. The user input unit 130 may include a key pad dome switch, a touch pad (static pressure / capacitance), a jog wheel, a jog switch, and the like. In particular, when the touch pad has a mutual layer structure with the display unit 151 described later, this may be referred to as a touch screen.

The sensing unit 140 detects the current state of the mobile terminal 100 such as the open / closed state of the mobile terminal 100, the position of the mobile terminal 100, the presence or absence of user contact, the orientation of the mobile terminal, the acceleration / deceleration of the mobile terminal, and the like. To generate a sensing signal for controlling the operation of the mobile terminal 100. For example, if the mobile terminal 100 is in the form of a slide phone, it may sense whether the slide phone is opened or closed. In addition, it is responsible for sensing functions related to whether the power supply unit 190 is supplied with power or whether the interface unit 170 is coupled to an external device.

The interface unit 170 serves as an interface with all external devices connected to the mobile terminal 100. For example, wired / wireless headset ports, external charger ports, wired / wireless data ports, memory card ports, ports for connecting devices with identification modules, audio input / output (I / O) ports, Video I / O (Input / Output) port, earphone port, etc. may be included.

Here, the identification module is a chip that stores various information for authenticating the use authority of the mobile terminal 100, and includes a user identification module (UIM) and a subscriber identify module (SIM). , Universal Subscriber Identity Module (“USIM”), and the like. In addition, the device equipped with the identification module (hereinafter, 'identification device') may be manufactured in the form of a smart card. Therefore, the identification device may be connected to the terminal 100 through a port. The interface unit 170 receives data or power from an external device and transmits the data to each component inside the mobile terminal 100 or transmits the data inside the mobile terminal 100 to an external device.

The output unit 150 is for outputting an audio signal, a video signal, or an alarm signal. The output unit 150 may include a display unit 151, a sound output module 152, an alarm unit 153, and the like.

The display unit 151 displays and outputs information processed by the mobile terminal 100. For example, when the mobile terminal is in a call mode, the mobile terminal displays a user interface (UI) or a graphic user interface (GUI) related to the call. When the mobile terminal 100 is in a video call mode or a photographing mode, the mobile terminal 100 displays a photographed and / or received image, a UI, or a GUI.

Meanwhile, as described above, when the display unit 151 and the touch pad form a mutual layer structure and constitute a touch screen, the display unit 151 may be used as an input device in addition to the output device. The display unit 151 may include a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, and a three-dimensional display. It may include at least one of a 3D display, a transparent display. In addition, two or more display units 151 may exist according to the implementation form of the mobile terminal 100. For example, an external display unit (not shown) and an internal display unit (not shown) may be simultaneously provided in the mobile terminal 100.

The sound output module 152 outputs audio data received from the wireless communication unit 110 or stored in the memory 160 in a call signal reception, a call mode or a recording mode, a voice recognition mode, a broadcast reception mode, and the like. In addition, the sound output module 152 outputs a sound signal related to a function (eg, a call signal reception sound, a message reception sound, etc.) performed by the mobile terminal 100. The sound output module 152 may include a speaker, a buzzer, and the like.

The alarm unit 153 outputs a signal for notifying occurrence of an event of the mobile terminal 100. Examples of events occurring in the mobile terminal include call signal reception, message reception, and key signal input. The alarm unit 153 may output a signal for notifying occurrence of an event in a form other than an audio signal or a video signal. For example, the signal may be output in the form of vibration. When a call signal is received or a message is received, the alarm unit 153 may output a vibration to inform this. Alternatively, when a key signal is input, the alarm unit 153 may output a vibration in response to the key signal input. The vibration output as described above allows a user to recognize an event occurrence. Of course, the signal for notification of event occurrence may be output through the display unit 151 or the voice output module 152.

The memory 160 may store a program for processing and controlling the controller 180 and may provide a function for temporarily storing input / output data (for example, a phone book, a message, a still image, a video, etc.). It can also be done.

The memory 160 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or XD memory), RAM Random Access Memory (RAM) Static Random Access Memory (SRAM), Read-Only Memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Programmable Read-Only Memory (PROM) magnetic memory, It may include at least one type of storage medium of the optical disk. In addition, the mobile terminal 100 may operate a web storage that performs a storage function of the memory 150 on the Internet.

And the controller 180 typically controls the overall operation of the mobile terminal. For example, perform related control and processing for voice calls, data communications, video calls, and the like. In addition, the controller 180 may include a multimedia module 181 for playing multimedia. The multimedia module 181 may be implemented in the controller 180 or may be implemented separately from the controller 180.

The power supply unit 190 receives an external power source and an internal power source under the control of the controller 180 to supply power for operation of each component.

The various embodiments described herein may be implemented in a computer readable recording medium using, for example, software, hardware or a combination thereof.

According to a hardware implementation, the embodiments described herein include application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), and the like. It may be implemented using at least one of processors, controllers, micro-controllers, microprocessors, and electrical units for performing the functions. It may be implemented by the controller 180.

In a software implementation, embodiments such as procedures or functions may be implemented with separate software modules that allow at least one function or operation to be performed. The software code may be implemented by a software application written in a suitable programming language. In addition, the software code may be stored in the memory 160 and executed by the controller 180.

 In the above, the mobile terminal related to the present invention has been described in terms of components according to functions. Hereinafter, referring to FIGS. 2 and 3, the mobile terminal according to the present invention will be further described in terms of components according to appearance. Hereinafter, for simplicity, a slider type mobile terminal is described as an example among various types of mobile terminals such as a folder type, a bar type, a swing type, a slider type, and the like. Therefore, the present invention is not limited to the slider type mobile terminal, but can be applied to all types of mobile terminals including the above-described type.

2 is a perspective view of an example of a mobile terminal according to the present invention viewed from the front.

The mobile terminal of the present invention includes a first body 200 and a second body 205 configured to be slidable in at least one direction on the first body 200.

A state in which the first body 200 is disposed to overlap with the second body 205 may be referred to as a closed configuration, and as shown in the drawing, the first body 200 may be referred to as the second body 205. The exposed state of at least a portion of the N may be referred to as an open configuration.

The mobile terminal operates mainly in the standby mode in a closed state, but the standby mode may be released by a user's operation. In addition, the mobile terminal operates mainly in a call mode or the like in an open state, but may be switched to a standby mode by a user's manipulation or a lapse of a predetermined time.

The case (casing, housing, cover, etc.) forming the exterior of the first body 200 is formed by the first front case 220 and the first rear case 225. Various electronic components are embedded in the space formed by the first front case 220 and the first rear case 225. At least one intermediate case may be further disposed between the first front case 220 and the first rear case 225.

The cases may be formed by injecting a synthetic resin or may be formed of a metal material, for example, a metal material such as stainless steel (STS) or titanium (Ti).

The display unit 151, the audio output module 152, the camera 121, or the first user input unit 210 may be disposed on the first body 200, specifically, the first front case 220.

The display unit 151 includes a liquid crystal display (LCD), organic light emitting diodes (OLED), and the like, which visually express information.

In addition, since the touch pad is superimposed on the display unit 151 in a layer structure, the display unit 151 may operate as a touch screen to enable input of information by a user's touch.

The sound output module 152 may be implemented in the form of a speaker.

The camera 121 may be implemented to be suitable for capturing an image or a video of a user or the like.

Like the first body 200, the case forming the exterior of the second body 205 is formed by the second front case 230 and the second rear case 235.

The second user input unit 215 may be disposed on the second body 205, specifically, on the front face of the second front case 230.

The third user input unit 245, the microphone 122, and the interface unit 170 may be disposed in at least one of the second front case 230 or the second rear case 235.

The first to third user inputs 210, 215, and 245 may be collectively referred to as a manipulating portion 130, and may be any type of tactile manner in which the user operates while giving a tactile feeling. Either may be employed.

For example, the user input unit may be implemented as a dome switch or a touch pad capable of receiving a command or information by a user's push or touch operation, or a wheel or jog method of rotating a key, or a manipulation method such as a joystick. May also be implemented.

In the functional aspect, the first user input unit 210 is for inputting a command such as start, end, scroll, etc., and the second user input unit 215 is for inputting numbers, letters, symbols, and the like.

In addition, the third user input unit 245 may operate as a hot-key for activating a special function in the mobile terminal.

The microphone 122 may be implemented in a form suitable for receiving a user's voice, other sounds, and the like.

The interface unit 170 serves as a passage for allowing the mobile terminal according to the present invention to exchange data with an external device. For example, the interface unit 170 is wired or wirelessly, a connection terminal for connecting with an earphone, a port for short-range communication (for example, an infrared port (IrDA port), a Bluetooth port, a wireless LAN port) (wireless Lan port) etc.}, or at least one of power supply terminals for supplying power to the mobile terminal.

The interface unit 170 may be a card socket that accommodates an external card such as a subscriber identification module (SIM) or a user identity module (UIM) and a memory card for storing information.

The power supply unit 190 for supplying power to the mobile terminal is mounted on the second rear case 235 side.

The power supply unit 190 may be detachably coupled for charging, for example, as a rechargeable battery.

3 is a rear perspective view of the mobile terminal of FIG. 2.

Referring to FIG. 3, a camera 121 may be additionally mounted on the rear surface of the second rear case 235 of the second body 205. The camera 121 of the second body 205 has a photographing direction substantially opposite to the camera 121 of the first body 200, and the camera 121 and the camera 121 of the first body 200. And may have different pixels.

For example, the camera 121 of the first body 200 has a low pixel so that it is easy to take a picture of the user's face and transmit it to the counterpart in the case of a video call, and the camera 121 of the second body has a general structure. It is desirable to have a high pixel because the subject is often photographed and not immediately transmitted.

The flash 250 and the mirror 255 may be additionally disposed adjacent to the camera 121 of the second body 205. The flash 250 illuminates the subject when the subject is photographed by the camera 121 of the second body 205. The mirror 255 allows the user to see the user's face or the like when the user wants to photograph (self-photograph) the user by using the camera 121 of the second body 205.

The sound output module 152 may be further disposed on the second rear case 235.

The sound output module 152 of the second body 205 may implement a stereo function together with the sound output module 152 of the first body 200, and may be used for a call in a speakerphone mode.

In addition, an antenna 260 for receiving a broadcast signal may be disposed on one side of the second rear case 235. The antenna 260 may be installed to be pulled out of the second body 205 and 2.

A portion of the slide module 265 that slidably couples the first body 200 and the second body 205 is disposed on the first rear case 225 side of the first body 200.

The other part of the slide module 265 may be disposed on the second front case 230 side of the second body 205 and may not be exposed to the outside as shown in the drawing.

In the above description, the second camera 121 is disposed on the second body 205, but is not necessarily limited thereto.

For example, at least one or more of the components 260, 121 to 250, and 152 described as disposed in the second rear case 235, such as the camera 121 of the second body, may be the first body 200. May be mounted on the first rear case 225. If so, there is an advantage that the configuration (s) disposed in the first rear case 225 in the closed state are protected by the second body 205. Furthermore, even if the camera 121 of the second body is not provided separately, the camera 121 of the first body may be rotatably formed so that the camera body 121 of the second body may be photographed up to the photographing direction of the camera 121 of the second body. have.

The terminal 100 illustrated in FIGS. 1 to 3 may be operated in a communication system capable of transmitting data through a frame or packet, including a wired / wireless communication system and a satellite-based communication system. It can be configured to.

Hereinafter, referring to FIG. 4, a communication system capable of operating a terminal according to the present invention will be described.

The communication system may use different air interfaces and / or physical layers. For example, a radio interface usable by a communication system may include frequency division multiple access (FDMA), time division multiple access (TDMA), and code division multiple access (Code Division). Multiple Access (CDMA), Universal Mobile Telecommunications Systems (UMTS) (especially Long Term Evolution (LTE)), Global System for Mobile Communications (GSM), etc. May be included. Hereinafter, for convenience of description, the description will be limited to CDMA. However, it is a matter of course that the present invention is applicable to all communication systems including the CDMA wireless communication system.

As shown in FIG. 4, the CDMA wireless communication system includes a plurality of terminals 100, a plurality of base stations (BS) 270, and base station controllers (BSCs) 275. ), And a mobile switching center (MSC) 280. The MSC 280 is configured to be connected to a public switched telephone network (PSTN) 290 and is also configured to be connected to BSCs 275. The BSCs 275 may be coupled to the BS 270 through a backhaul line. The backhaul line may be provided according to at least one of E1 / T1, ATM, IP, PPP, Frame Relay, HDSL, ADSL, or xDSL. Thus, a plurality of BSCs 275 may be included in the system shown in FIG.

Each BS 270 may include at least one sector, and each sector may include an omnidirectional antenna or an antenna pointing radially out of BS 270. In addition, each sector may include two or more antennas of various types. Each BS 270 may be configured to support a plurality of frequency assignments, each of which has a specific spectrum (eg, 1.25 MHz, 5 MHz, etc.).

The intersection of sectors and frequency assignments may be called a CDMA channel. BS 270 may be referred to as a base station transceiver subsystem ('BTSs'). In this case, the word "base station" may be called the sum of one BSC 275 and at least one BS 270. The base station may also indicate “cell site”. Alternatively, each of the plurality of sectors for a particular BS 270 may be called a plurality of cell sites.

As shown in FIG. 4, a broadcasting transmitter (BT) 295 transmits a broadcast signal to terminals 100 operating in the system. The broadcast module 111 shown in FIG. 1 is provided in the terminal 100 to receive a broadcast signal transmitted by the BT 295.

In addition, FIG. 4 illustrates multiple satellite positioning systems (GPS) satellites 300. The satellites 300 help to locate the at least one terminal of the plurality of terminals 100. Although two satellites are shown in FIG. 4, useful location information may be obtained by two or less or more satellites. The GPS module 115 shown in FIG. 1 cooperates with the satellites 300 to obtain desired location information. Here, the location can be tracked using not only the GPS tracking technology but also all the technologies capable of tracking the location. In addition, at least one of the GPS satellites 300 may optionally or additionally be responsible for satellite DMB transmission.

During typical operation of a wireless communication system, BS 270 receives a reverse link signal from various terminals 100. At this time, the terminals 100 are connecting a call, transmitting or receiving a message, or performing another communication operation. Each of the reverse link signals received by a particular base station 270 is processed within by the particular base station 270. The data generated as a result of the processing is transmitted to the connected BSC 275. BSC 275 provides call resource allocation and mobility management functionality, including the organization of soft handoffs between base stations 270. In addition, the BSC 275 transmits the received data to the MSC 280, and the MSC 280 provides an additional transmission service for connection with the PSTN 290. Similarly, PSTN 290 connects with MSC 280, MSC 280 connects with BSCs 275, and BSCs 275 send BSs 270 to transmit a forward link signal to terminals 100. ).

Hereinafter, a mobile terminal according to an embodiment of the present invention will be described a method of surrogate payment using the payment means information stored in the other terminal.

In this embodiment, the mobile terminal 100 transmits payment means information between terminals through the wireless communication unit 110. The payment means information is transmitted in the form of a text message or OTA (over the air) through the mobile communication module 112 of the wireless communication unit 110.

In addition, the payment means information may be transmitted through the short-range communication module 114, such as infrared and Bluetooth. Here, the payment means information means information related to payment means such as credit card, cash card, bank transfer, electronic wallet for payment of the amount of goods purchased. For example, if the payment means is a credit card, the payment means information includes information such as a card number, expiration date, usage.

The payment means information may include user information (name of the payment means) such as social security number and user name, electronic signature for user authentication and confirmation.

In addition, the payment means information may include additional information for limiting the use time, the number of times, the amount of use, etc. that can use the payment means information. The additional information may be set or specified by a user.

The payment means information may be stored in a removable memory such as a SIM card or stored in the internal memory 160.

The short range communication module 114 may include a near field communication (NFC) module. The NFC module 114 ′ performs short-range wireless communication with the reader 410 connected to the store server 400 and transmits and receives control commands and data to each other.

Here, NFC is a communication technology for transmitting data between terminals with low power at a distance of about 10 cm in a contactless short range wireless communication method using a 13.56 MHz band.

In addition, the NFC module 114 ′ is configured as a card type and detachable or may be configured as a chip and embedded in a terminal.

When the user approaches the mobile terminal 100 with the built-in NFC module 114 'to a tag (for example, a barcode) attached to the article, the controller 180 controls the NFC module 114' to attach the tag to the article. Read the information.

In addition, when a user makes a purchase decision, the controller 180 controls the NFC module 114 'to transmit payment means information to an NFC reader connected to a store and requests a payment. In addition, the controller 180 receives the processing result of the payment request and displays the result on the display unit 151 so that the user can check it.

5 is a block diagram illustrating a payment system using a mobile terminal according to an embodiment of the present invention.

As shown in FIG. 5, the payment system includes a payment terminal 100A with payment means information for payment, a purchase terminal 100B without payment means information, a store server 400, and a payment server 500. It may include. Here, the payment terminal (100A) is a terminal that performs the payment for the purchase amount substantially, the purchase terminal (100B) is a terminal that only purchases the goods but does not pay the purchase amount.

The payment terminal and the purchase terminal (100A, 100B) is provided with an NFC module 114 ', by reading the tag information attached to the product through the NFC module 114' product (article) name, product price, product Product information such as date of manufacture can be checked.

In addition, since the short-range wireless communication is performed between the payment terminal and the purchase terminal (100A, 100B) through the NFC module 114 'can transmit and receive data. Accordingly, the purchase terminal 100B may receive payment means information stored in the payment terminal 100A through the NFC module 114 '. The payment means information may be received in the form of a short message or an OTA through a wireless communication network.

The purchase terminal 100B receives payment means information stored in the payment terminal 100A and processes payment through short-range wireless communication with the store server 400 using the received payment means information.

The store server 400 includes a reader 410 for performing short-range wireless communication with the mobile terminal 100, and reads payment means information stored in the mobile terminal 100 through the reader 410.

The store server 400 reading the payment means information generates payment approval request information using the payment means information received from the purchase terminal 100B and requests payment approval from the payment server 500. Here, the payment approval request information includes information such as payment means information, purchase information, purchase price, and the like.

In addition, the store server 300 manages the inventory amount and sales amount of the products existing in the store.

The payment server 500 processes payment approval in response to a payment approval request from the store server 400. When the payment approval process is completed, the payment server 500 transmits the payment information according to the payment approval process to the store server 400. The payment information includes information related to payment amount and approval of payment.

In addition, when the payment approval is processed, the payment server 500 may transmit payment information according to the payment approval procedure to the mobile terminals 100A and 100B in the form of a short message.

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

The purchase terminal 100B receives payment means information from the payment terminal 100A through the wireless communication unit 110 (S101). The payment means information is information related to a payment means such as a credit card, and includes information such as a card number, an expiration date, and a usage degree. In addition, the payment method information may add user information such as user name and social security number, electronic signature for the user authentication and verification, and information for limiting the number of times of use, payment time, amount of use, etc. .

The payment terminal 100A may transmit the payment means information through short range communication such as Bluetooth and infrared communication, or may transmit a short message and an OTA.

Thereafter, when the user completes the purchase and approaches the purchase terminal 100B to the reader 410 connected to the store server 400 for payment, the purchase terminal 100B receives the payment received from the payment terminal 100A. The means information is transmitted to the store server 400 through short-range wireless communication and requests a payment (S103).

The store server 400 generates payment approval request information according to the payment request of the purchase terminal 100B and transmits the generated payment approval request information to the payment server 500 (S105 and S107). Here, the payment approval request information includes information such as payment means information, store information, a purchase list, and a purchase amount received from the purchase terminal 100B.

The payment server 500 processes payment approval based on the payment approval request information received from the store server 400 (S109). The payment server 500 transmits payment information (processing result) according to the payment approval process to the store server 400 (S111). Here, the payment information includes information related to the payment amount, date and time, product name, payment approval status, and the like.

In addition, the payment server 500 may transmit the payment information to the payment terminal and the purchase terminal (100A, 100B) in the form of a short message (S111 ').

7 is an exemplary diagram illustrating a process of transmitting and receiving payment means information by a mobile terminal according to an embodiment of the present invention.

When the user selects a product to purchase and approaches the purchase terminal 100B to a tag attached to the product, the controller 180 of the purchase terminal 100B operates the NFC module 114 'to read the tag information. . Subsequently, the controller 180 displays the tag information read through the NFC module 114 ′ on the display unit 151 as shown in FIG. 7A.

Thereafter, when the user checks the tag information displayed on the display unit 151 and selects the purchase decision, the controller 180 stores the purchased product information in the memory 160. The product information includes information such as a product name, a product price, a manufacturing date, and the like.

When the product purchase completion is selected by the user, the controller 180 displays a selection screen for selecting a payment method on the display unit 151. When the surrogate payment is selected by the user input unit 130 on the displayed payment method selection screen, the controller 180 generates purchase information such as a product list and a total purchase price determined to be purchased.

The controller 180 transmits the generated purchase information to a payment terminal 100A to make a surrogate payment and requests surrogate payment. In other words, the controller 180 of the purchase terminal 100B requests payment means information from the payment terminal 100A.

Referring to FIG. 7B, the payment terminal 100A receiving the proxy payment request displays the received purchase information on the display unit 151 and permits payment by the user of the payment terminal 100A confirming the displayed purchase information. If selected, the payment terminal 100A transmits payment means information stored in the memory 160 to the purchase terminal 100B.

The controller 180 of the purchase terminal 100B receives payment means information transmitted from the payment terminal 100A through the wireless communication unit 110. The controller 180 stores the received payment means information in the memory 160.

Thereafter, the purchase terminal 100B may perform payment using the payment means information stored in the memory 160.

In the present exemplary embodiment, the payment terminal 100A transmits payment method information to the purchase terminal 100B at the request of the purchase terminal 100B, but the payment terminal 100A is orally agreed between users. ), The user may transmit the payment method information to the purchase terminal (100B) as a text message.

For example, the payment terminal 100A accesses the payment means information stored in the memory 130 according to a control command generated from the user input unit 130 and generates and transmits the information in the form of a short message. The purchase terminal 100B receives the short message transmitted from the payment terminal 100A, extracts payment means information from the short message, and stores the payment means information in the memory 160.

8 is an exemplary view illustrating a process of receiving payment means information from another terminal by a mobile terminal according to another embodiment of the present invention. This embodiment will be described taking the case of transmitting and receiving payment means information through short-range communication as an example.

In order to transmit and receive payment means information in a negotiated state between users, the mobile terminals 100A and 100B set a transmission mode for performing short-range communication.

As shown in FIG. 8A, the payment terminal 100A to transmit pre-stored payment means information sets a communication environment for transmitting payment means information when 'payment means information' is selected on a setting screen for setting a transmission mode. do.

In addition, as shown in FIG. 8B, the payment terminal 100A may limit the use of the payment means information by the user's menu manipulation. The payment terminal 100A adds and transmits information to limit the use of the payment means information to the payment means information.

When the purchase terminal 100B is set to a reception mode by a user input, the purchase terminal 100B sets a communication environment for receiving the payment means information.

When the transmission mode setting of the payment terminal 100A and the purchase terminal 100B is completed, the purchase terminal 100B receives payment means information transmitted from the payment terminal 100A.

The purchase terminal 100B displays the payment means information received through short-range wireless communication with the payment terminal 100A on the display unit 151 as illustrated in FIG. 8B. In this case, the controller 180 of the purchase terminal 100B stores the received payment means information in the memory 160.

According to an embodiment of the present invention, the above-described method may be embodied as computer readable codes on a medium in which a 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 computer-readable media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, optical data storage devices, and the like, which are also implemented in the form of carrier waves (eg, transmission over the Internet). It also includes. In addition, the computer may include the controller 180 of the terminal.

The above-described mobile terminal is not limited to the configuration and method of the above-described embodiments, the embodiments may be configured by selectively combining all or part of each embodiment so that various modifications can be made. It may be.

1 is a block diagram of a mobile terminal according to an embodiment of the present invention.

Figure 2 is a front perspective view of a mobile terminal according to an embodiment of the present invention.

Figure 3 is a rear perspective view of a mobile terminal according to an embodiment of the present invention.

4 is a block diagram of a wireless communication system that can operate a mobile terminal according to an embodiment of the present invention.

5 is a block diagram showing a payment system using a mobile terminal according to an embodiment of the present invention.

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

7 is an exemplary diagram illustrating a process of transmitting and receiving payment means information by a mobile terminal according to an embodiment of the present invention.

8 is an exemplary diagram illustrating a process of transmitting and receiving payment means information by a mobile terminal according to another embodiment of the present invention.

*** Explanation of symbols for main parts of drawing ***

100: mobile terminal 110: wireless communication unit

120: A / V input unit 130: user input unit

140: sensing unit 150: output unit

160: memory 170: interface unit

180: control unit 190: power supply unit

Claims (14)

A wireless communication unit for receiving payment means information from another terminal; And a control unit for processing a payment by using the payment means information received through the wireless communication unit. The method of claim 1, wherein the payment means information, A mobile terminal comprising a card number, expiration date, usage. The method of claim 1, wherein the payment means information, A mobile terminal, characterized in that it further includes user information for user authentication, such as a user name, social security number, digital signature. The method of claim 1, wherein the payment means information, Mobile terminal, characterized in that it further comprises information for limiting information such as the use time, the number of times, the amount of use can use the payment means information. The method of claim 1, wherein the payment means information, Mobile terminal characterized in that the transmission and reception in the form of a message or over the air (OTA). Receiving payment means information from another terminal; The payment method of the mobile terminal, characterized in that it comprises the step of processing the payment using the received payment means information. The method of claim 6, wherein the payment means information, A payment method of a mobile terminal, comprising information related to a payment method, such as a card number, expiration date, and usage. The method of claim 6, wherein the payment means information, The payment method of the mobile terminal, characterized in that it further comprises user information for user authentication, such as a user name, social security number, digital signature. The method of claim 6, wherein the payment means information, The payment method of the mobile terminal, characterized in that it further comprises information for limiting information such as the use time, the number of times, the amount of use that can use the payment means information. The method of claim 6, wherein the payment means information, The payment method of the mobile terminal, characterized in that received in the form of a message or OTA. The method of claim 6, wherein the payment processing step, Transmitting the payment means information to a store server; And receiving payment information corresponding to payment processing based on the transmitted payment means information. The method of claim 11, wherein the store server, The payment method of the mobile terminal, characterized in that for generating the payment approval request information including the payment means information and purchase information and transmitting to the payment server. The method of claim 12, The payment server is a payment method of a mobile terminal, characterized in that for transmitting the payment information associated with payment approval processing according to the payment approval request of the store server in the form of a message. The method of claim 13, wherein the payment information, The payment method of the mobile terminal, characterized in that it comprises information such as payment amount and whether payment is approved.

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