KR20120047721A - Mobile terminal and method of payment using the mobile terminal - Google Patents

Abstract

PURPOSE: A portable terminal and payment method using the same are provided to improve the convenience of a user by enabling the user to input plural mobile cards in one card application. CONSTITUTION: A card application including plural slots is stored in a chip card inserted into a portable terminal or the security area of the portable terminal(S410). Information for Plural cards corresponding to the slots is stored(S420). Only one slot of plural slots is activated through the card application(S430). Payment information is extracted from the card corresponding to the activated slot(S440). The extracted payment information is transmitted(S450).

Description

MOBILE TERMINAL AND METHOD OF PAYMENT USING THE MOBILE TERMINAL}

The present invention relates to a payment method using a mobile terminal.

In recent years, payment has been made using a mobile phone in bank financial transactions or commerce. For example, in the memory of the IC chip card or mobile terminal, various card information such as card information, electronic bank account, account information, ID (identity card, student ID card, pass card) information, ticket, ticket, coupon, etc. are stored and It can be plugged in and used as a passbook or credit card for payment and authentication services.

However, with the development of IC chip cards, the memory of chip cards has increased greatly, and a plurality of cards have been issued to one chip card. The IC chip card issued with a plurality of cards is installed in a chip card socket of a mobile communication terminal and is issued as a mobile card in which financial and mobile communication are combined.

However, with the development of IC chip cards, the memory of chip cards has increased greatly, and a plurality of cards have been issued to one chip card. The IC chip card issued with a plurality of cards is installed in a chip card socket of a mobile communication terminal and is issued as a mobile card in which financial and mobile communication are combined.

In addition, the existing mobile card is implemented in the form that one mobile card is mounted in one application to comply with the relevant standards of Visa and Master International Card Company. Therefore, when a plurality of mobile cards are mounted in the mobile phone, a plurality of applications must exist.

However, the conventional method has caused a lot of redundancy code problems and memory shortages when using a plurality of applications on one chip to service or issuing and using a plurality of mobile cards on one chip.

An object of the present invention is to provide a mobile terminal and a payment method using a mobile terminal capable of performing payment by mounting a plurality of mobile cards in one card application while using an existing payment infrastructure designed according to the EMV standard. To provide.

In order to achieve the above object, the present invention provides a method of storing a card application having a plurality of slots in at least one of a chip card inserted into a mobile terminal and a security area of the mobile terminal. Storing information, activating only one of the plurality of slots through a card application, extracting payment information from a card corresponding to the activated slot through a card application, and transmitting the extracted payment information It provides a payment method using a mobile terminal comprising the step of.

A mobile terminal having at least one of an interface unit into which a chip card can be inserted and a security area in which specific information is encrypted and stored to achieve the above object, the card application having a plurality of slots includes the chip card and the Store in at least one security area of the mobile terminal, store information on a plurality of cards corresponding to the plurality of slots, activate only one of the plurality of slots through the card application, and through the card application A control unit which extracts payment information from the card corresponding to the activated slot and controls the extracted payment information to be transmitted; And it provides a mobile terminal comprising a wireless communication unit for transmitting the extracted payment information.

In the payment method using a mobile terminal according to an embodiment of the present invention, a payment can be performed by mounting a plurality of mobile cards in one card application while using an existing payment infrastructure designed according to the EMV standard.

1 is a block diagram of a mobile terminal according to an embodiment of the present invention.
2 is a structural diagram of a card application stored in the mobile terminal of FIG. 1.
3 is a view for explaining a payment method and a card information updating method using a mobile terminal according to an embodiment of the present invention.
4 is a flowchart illustrating a payment method using a mobile terminal according to an embodiment of the present invention.
5 is a flowchart illustrating a method of updating card information stored in a mobile terminal according to an embodiment of the present invention.

Hereinafter, a mobile terminal related to the present invention will be described with reference to FIG. 1.

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 herein 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), navigation, e- book terminal, template PC, 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 USIM / SIM 170, the controller 180, and the power supply 190 may be included. 1 shows a mobile terminal having various components. However, not all illustrated components are essential components. A mobile terminal may be implemented by more components than the illustrated components, or a 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 that allow wireless communication between the mobile terminal 100 and the wireless communication system or wireless communication between the mobile terminal 100 and a network on 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, and a location information module 115 .

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, it 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 broadcasting systems that provide broadcasting signals as well as the digital broadcasting 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 radio signals to at least one of a base station, an external terminal, and a server on a mobile communication network. Here, 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 the wireless Internet module 113 can be built in or externally.

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 Near Field Communication (NFC), ISO14443 communication, and the like may be used.

The location information module 115 is a module for confirming or obtaining the location of the mobile terminal. Global Position System (GPS) module, Galileo module, Global Navigation Satellite System (GLONASS) module, Compass navigation system module, Quasi-Zenith Satellite System (QZSS) module, and Indian Regional Navigational Satellite System (IRRNS) module. An example of a GPS module is as follows.

The GPS module receives position information from a plurality of satellites. Here, the location information may include coordinate information indicated 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.

An audio / video (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 an image frame such as a still image or a moving image 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.

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. The camera 121 may be equipped with two or more cameras according to the configuration 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 can be converted into a form that can be transmitted to the mobile communication base station through the mobile communication module 112 when the voice data is in the call mode, and output. The microphone 122 may be implemented with various noise reduction algorithms for eliminating 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 a current state of the mobile terminal 100 such as an open / closed state of the mobile terminal 100, a location of the mobile terminal 100, presence or absence of a user contact, orientation of the mobile terminal, 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, when 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, the power supply unit 190 is responsible for the sensing function associated with whether or not the power supply, external device coupling.

The interface unit 170 serves as an interface with all external devices connected to the mobile terminal 100. For example, a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, a port for connecting a device having an identification module, an audio I / O port, Video input / output (I / O) ports, earphone ports, and the like.

Here, the identification module is a chip that stores 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. In addition, an apparatus having an identification module (hereinafter referred to as 'identification device') can be manufactured in a smart card format. Accordingly, the identification device can be connected to the terminal 100 through the port. The interface unit 170 receives data from an external device or receives power from the external device to transfer the data to each component in the mobile terminal 100 or to transmit data in 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 the call mode, a UI (User Interface) or a GUI (Graphic User Interface) associated with a call is displayed. 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 to form 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 be a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, or a three-dimensional display. 3D 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 touch screen may be configured to detect not only the touch input position and the touched area but also the touch input pressure. In addition, the touch screen may be configured to detect not only the real-touch but also proximity touch.

In the present specification, the term "real-touch" refers to a case in which a pointer is actually touched on the screen, and the term "proximity-touch" refers to a point in which the pointer actually touches the screen. Instead, it refers to the case where the screen approaches a distance from the screen. In the present specification, a pointer refers to a tool for touching or proximity touching a specific portion of a displayed screen. Examples include stylus fans, fingers, and the like.

Although not shown in the drawing, various sensors may be provided inside or near the touch screen to detect a touch or a proximity touch of the touch screen. Alternatively, various sensors for detecting the touch or the proximity touch of the touch screen may be disposed in the sensing unit 140.

An example of a sensor for sensing a touch of the touch screen is a tactile sensor.

The tactile sensor refers to a sensor that senses the contact of a specific object to the extent that a person feels or more. The tactile sensor may sense various information such as the roughness of the contact surface, the rigidity of the contact object, the temperature of the contact point, and the like.

In addition, a sensor for detecting a touch of the touch screen may detect a touch drag. "Touch drag" refers to a case where a touched point is moved while the touch is maintained. That is, it is a case of dragging while the touch is maintained. Tapping a predetermined point on the display screen with a pointer to distinguish it from touch drag may be referred to as a "tap-touch". In this case, a sensor (eg, a tactile sensor) that detects a touch may sense a drag direction, a drag speed, a drag length, and the like of the touch drag.

An example of a sensor for sensing a touch of the touch screen is a proximity sensor.

The proximity sensor refers to a sensor that detects the presence or absence of an object approaching a predetermined detection surface or an object present in the vicinity without using a mechanical contact by using an electromagnetic force or infrared rays. Thus, proximity sensors have a considerably longer life than contact sensors and their utilization is also quite high.

Examples of the proximity sensor include a transmission photoelectric sensor, a direct reflection photoelectric sensor, a mirror reflection photoelectric sensor, a high frequency oscillation proximity sensor, a capacitive proximity sensor, a magnetic proximity sensor, and an infrared proximity sensor.

To explain an example of the operation principle of the high frequency oscillation type proximity sensor, the oscillation amplitude of the oscillation circuit is attenuated or stopped when the sensing object approaches the sensor sensing surface in the state of oscillating the high frequency wave of the wave in the oscillation circuit. This change is converted into an electrical signal to detect the presence or absence of a sensing object. Therefore, even if a non-metallic material comes between the high frequency oscillation proximity sensor and the sensing object, the proximity switch can detect the sensing object to be detected without interference of the object.

Even when the proximity sensor is not firmly mounted, when the touch screen is capacitive, the proximity sensor may be configured to detect the proximity of the pointer by a change in an electric field according to the proximity of the pointer. Therefore, when the pointer is located in close proximity to the touch screen although it is not actually touched, the position of the pointer and the distance between the pointer and the touch screen may be detected.

In addition, the position of the proximity touch with the pointer on the touch screen refers to a position where the pointer is perpendicular to the touch screen when the pointer is in proximity touch. If the proximity sensor is within a predetermined distance range, the proximity sensor may recognize it as a proximity touch. Proximity means the distance away from the screen and the pointer. In particular, the proximity distance may mean the shortest distance away from the screen and the pointer.

In addition, in the present specification, the term "predetermined touch of the screen" means that the pointer is located at a position on the space vertically corresponding to the predetermined point, and is recognized as a proximity touch.

The proximity sensor detects a proximity touch and a proximity touch pattern (eg, proximity distance, proximity touch direction, proximity speed, proximity touch time, proximity touch position, proximity touch movement state, etc.), and detects the detected proximity. Information corresponding to the touch operation and the proximity touch pattern may be output on the touch screen. In this specification, the proximity speed means a speed at which the pointer approaches the screen or a speed at which the pointer moves away from the screen. For example, the proximity sensor may detect a drag direction, a drag speed, a drag length, and the like of the proximity drag. The term "proximity-drag" refers to a case where the proximity touched point is moved while the proximity touch is maintained. That is, the case where the drag is performed while the proximity touch is maintained.

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. The sound output module 152 outputs an acoustic signal related to functions (e.g., call signal reception sound, message reception sound, etc.) performed in 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 informing 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 can output a vibration to notify it. Alternatively, when the key signal is input, the alarm unit 153 can output the vibration by the feedback to the key signal input. The user can recognize the occurrence of an event through the vibration output as described above. Of course, the signal for event occurrence notification 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 include a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or XD memory, USIM memory, SIM memory, etc.), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EPEROM), programmable read-only memory (PROM) At least one type of storage medium may include a magnetic memory, a magnetic disk, and an optical disk. In addition, the mobile terminal 100 may operate a web storage that performs a storage function of the memory 160 on the Internet.

The control unit 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 control unit 180 may include a multimedia module 181 for multimedia playback. 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, 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 codes may be stored in the memory 160 and executed by the control unit 180. [

Hereinafter, a payment method using the mobile terminal 100 according to an embodiment of the present invention will be described in detail.

The payment method using the mobile terminal 100 according to an embodiment of the present invention may include a method of payment using a mobile card issued to the mobile terminal 100. The mobile card refers to a card implemented in software in the mobile terminal 100, not a type card (eg, a plastic card). The mobile card may be issued through a wireless network. The mobile card may be implemented in a form in which card information is stored in a card application. The card application may be stored in a specific security area of the mobile terminal 100 or in a chip card inserted into the mobile terminal 100. Examples of the chip card include a SIM card, a USIM card, a memory card, and the like. The specific security area may include a specific area of the mobile terminal 100 having a cryptographic operation device that can safely store and store specific information. Therefore, the information stored in the specific security area may not be exposed to outside or regenerated.

Hereinafter, a case where the card application is stored in the chip card and the chip card is a USIM card will be described.

2 is a structural diagram of a card application.

The card application may include a card slot area, a directory area, a security area, a single coupon area, a signature image storage area, and the like.

A plurality of slots may be provided in the card slot area. The plurality of slots may store information on a plurality of corresponding cards (meaning a mobile card). In one slot, only information on one card may be stored. The information on the card may include a card type, a card number, an expiration date, a CVV (Card Verification Value), benefit information associated with the card (eg, coupon information, additional service information), and cash card information.

Also, a list of issued cards may be stored in the directory area. The list of issued cards may include a list of new mobile cards, a list of mobile cards corresponding to a previously issued type card, and the like.

Encryption key information, applet Personal Identification Number (PIN) information, and the like may be stored and managed in the security area.

The exclusive coupon area may store benefit information independent of a card stored in the plurality of slots. For example, coupon information not related to the stored mobile card may be stored.

The signature information of the user may be stored in the form of an image in the signature image storage area. In addition, the signature information of the user may be stored in a secure area.

3 is a diagram illustrating a method of performing a payment by driving the card application in the mobile terminal 100 or updating a card information through the card application.

As shown, the card application may be driven in the mobile terminal 100. According to an embodiment, the card application may be linked with a payment application. The payment application may be stored and driven in the mobile terminal 100. In addition, the payment application may be included in a specific web page to be driven in the mobile terminal 100. The payment application may be implemented in the form of an electronic wallet. The payment application may refer to an application that performs a specific function so as to perform a payment using a card stored in the card application or to update card information stored in the card application.

Therefore, the present invention may include a method of performing a payment by operating a card application alone, but may also include a method of performing a payment by interworking with a card application and a payment application.

Hereinafter, a method of performing a payment by interworking with a card application and a payment application will be described as an embodiment of the present invention.

The payment application may receive payment information about the card extracted by the card application and transmit the payment information to the affiliate store 200 through the wireless communication unit 110. In this case, the card application may activate only the slots on the extracted card and deactivate the remaining slots. By performing the above method, it is possible to obtain the effect that only one card information exists in one card application. When the affiliated store 200 is an offline affiliated store, the affiliated store 200 may receive the payment information through short range communication (for example, RF communication). In addition, when the affiliated store 200 is an online affiliated store, the affiliated store 200 may receive the payment information through wireless communication.

The affiliate store 200 receiving the payment information may transmit the approval server 400 to the payment information through the payment relay server 300. The payment relay server 300 is a server capable of relaying the payment so that payment can be made between the merchant 200 and the approval server 400. The payment relay server 300 may be a single server or may be composed of a plurality of servers. For example, the payment relay server 300 may be configured as at least one of a payment server and a value-added network (VAN) server.

The payment gateway is a credit card company or bank that the buyer deals with on behalf of the seller (shopping mall) so that the buyer can use the credit card on the internet to make a payment in an electronic commerce through an internet shopping mall or the like. It is a kind of electronic payment agency that provides a service that pays a certain fee and pays the remaining amount to the seller after collecting money from the company.

The value-added network (VAN) provides voice or data information that has added value such as accumulating, processing, and converting information beyond a simple transmission function by directly owning a line or renting or using a line of a carrier. A comprehensive and complex set of services.

The approval server 400 may perform an approval process based on the received payment information. An example of the approval server 400 may be a card company server. The approval server 400 may transmit the result of the approval process to the affiliate store 200 through the payment relay server 300.

On the other hand, according to one embodiment of the present invention, the payment application does not receive the payment information for the card extracted by the card application and transmit it to the authorization server 400 directly through the wireless communication unit 110 without transmitting to the affiliated store 200. Can be. In this case, the mobile terminal 100 may transmit affiliate store information together with the payment information to the approval server 400.

The approval server 400 may perform an approval process based on the received payment information. An example of the approval server 400 may be a card company server. The approval server 400 may transmit the result of the approval process to at least one of the mobile terminal 100 and the affiliated store 200. When the above method is performed, the payment information of the user is not exposed to the affiliated store 200, thereby ensuring the safety of the transaction. In this case, the card application may activate only the slots on the extracted card and deactivate the remaining slots. By performing the above method, it is possible to obtain the effect that only one card information exists in one card application.

On the other hand, according to an embodiment of the present invention, it is possible to update the card information for a particular card of the cards stored corresponding to the plurality of slots of the card application.

The card update information providing server 500 may generate update information about a specific card and transmit the generated update information to the mobile terminal 100. The payment application may receive update information for a specific card and deliver it to the card application. The card application may activate only the slot corresponding to the specific card to store the update information in the activated slot to update the information on the specific card.

Hereinafter, a method of performing payment by activating only one of a plurality of slots and updating information on a card will be described.

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

The card application having a plurality of slots may be stored in a chip card (eg, USIM card, memory card, etc.) inserted into the mobile terminal 100 or in a specific security area of the mobile terminal 100 (S410).

Information on a plurality of cards may be stored in the plurality of slots (S420). This means that information about one card is stored in one slot, but does not mean that the number of slots and the number of cards should be stored to match. For example, even if ten slots are provided, information about five cards may be stored in each slot. In the future, five more cards may be issued and stored in five empty slots. Since the information on the card has already been described, it will be omitted here.

The card application may activate only one slot of the plurality of slots (S430). The activated one slot may be a slot selected by a user when a transaction occurs or a slot defaulted before a transaction occurs.

Meanwhile, according to an embodiment of the present invention, the payment application may provide payment guide information to the user. The payment guide information may include information indicating what conditions can be paid when a payment is made through a specific payment method (for example, a specific card). It may include information on how to pay with the minimum amount. For example, the payment guide information may include information about a card that can be paid with a minimum amount. That is, the payment application may guide the slot to be activated to the user by providing the payment guide information.

When only one slot of the plurality of slots is activated in the above manner, the card application may extract payment information from the card corresponding to the activated slot (S440). The payment information is information required for payment and may include a card type, a card number, a card expiration date, benefit information associated with a card, and PIN information input from a user.

The extracted payment information may be delivered to a payment application. In addition, the payment application may transmit payment information to the approval server 400 in the manner described in FIG. 3 (S450).

By using a scheme of activating only a slot corresponding to one to be used for payment among a plurality of slots, it is possible to obtain an effect that only one card information exists in one card application.

Currently, the EMV standard requires issuing one mobile credit card in one card application. Therefore, in order to use the existing infrastructure that complies with the EMV standard, only one card must be issued to one card application, and a plurality of card applications are required to issue a plurality of mobile cards. EMV is a specification for smart cards and software / applications jointly announced by the world's three card companies, Europay, MasterCard and Visa, to ensure safety and compatibility.

However, the existing infrastructure can be used even when a plurality of cards are issued to one card application to perform a payment through a method of activating only one slot corresponding to the card to be used for payment among the plurality of slots provided in the card application. have.

That is, the method shown in FIG. 4 related to an embodiment of the present invention has the advantage of storing a plurality of mobile cards in one card application and at the same time, making payments convenient by using an existing infrastructure conforming to the EMV standard. .

5 is a flowchart illustrating a method of updating card information stored in a mobile terminal according to an embodiment of the present invention.

The mobile terminal 100 may receive update information on a specific card generated by the update information providing server 500 (S510). The update information may be received by the payment application through the wireless communication unit 110. The payment application may transfer the received update information to the card application. The card application may determine which card is the update information based on the received update information, activate only the slot for the corresponding card, and deactivate the remaining slots (S520).

The card application may store the received update information in the activated slot and update the information on the card corresponding to the activated slot (S530 and S540).

The payment method using the mobile terminal described above may be implemented in the form of program instructions that can be executed by various computer means, and recorded in a computer-readable recording medium. In this case, the computer-readable recording medium may include program instructions, data files, data structures, and the like, alone or in combination. On the other hand, the program instructions recorded on the recording medium may be those specially designed and configured for the present invention or may be available to those skilled in the art of computer software.

The computer-readable recording medium includes a magnetic recording medium such as a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, an optical medium such as a CD-ROM and a DVD, a magnetic disk such as a floppy disk, A magneto-optical media, and a hardware device specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like.

The recording medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like.

In addition, program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

The mobile terminal described above and the payment method using the mobile terminal are not limited to the configuration and method of the above-described embodiments, but the embodiments are all or part of each embodiment so that various modifications can be made. May be optionally combined.

Claims (14)

Storing a card application having a plurality of slots in at least one of a chip card inserted into a mobile terminal and a security area of the mobile terminal;
Storing information on a plurality of cards corresponding to the plurality of slots;
Activating only one of the plurality of slots through the card application;
Extracting payment information from a card corresponding to the activated slot through the card application; And
The payment method using a mobile terminal, characterized in that it comprises the step of transmitting the extracted payment information. The method of claim 1, wherein activating any one of the slots
And receiving a user input for selecting one of the slots from the user. The method of claim 1, wherein the extracted payment information is
And a benefit information associated with a card corresponding to the activated slot. The method of claim 1 wherein the card application is
And a specific area for storing benefit information independent of a plurality of cards corresponding to the plurality of slots. The method of claim 1, wherein the payment method using the mobile terminal is
The payment method of the mobile terminal further comprises the step of providing the payment guide information payment application running on the mobile terminal. The method of claim 5, wherein the payment guide information
The payment method using a mobile terminal, characterized in that it comprises information on the card that can be paid with the lowest amount of the plurality of cards stored corresponding to the plurality of slots. The method of claim 1, wherein the payment method using the mobile terminal is
Receiving update information on any one of a plurality of cards stored corresponding to the plurality of slots through wireless communication;
Activating only a specific slot corresponding to the one specific card among the plurality of slots through the card application; And
And storing the update information in the activated specific slot through the card application. A mobile terminal having at least one of an interface unit into which a chip card can be inserted and a security area in which specific information is encrypted and stored,
A card application having a plurality of slots is stored in at least one of the security area of the chip card and the mobile terminal, information about the plurality of cards corresponding to the plurality of slots is stored, and the plurality of cards are stored through the card application. A controller for activating only one of the slots, extracting payment information from a card corresponding to the activated slot through the card application, and controlling the extracted payment information to be transmitted; And
A mobile terminal comprising a wireless communication unit for transmitting the extracted payment information. The method of claim 8, wherein the mobile terminal
The mobile terminal further comprises a user input unit for receiving a user input for selecting any one of the plurality of slots from the user. The method of claim 8, wherein the extracted payment information is
The mobile terminal, characterized in that it comprises benefit information associated with the card corresponding to the activated slot. 9. The card application of claim 8, wherein the card application is
And a specific area for storing benefit information independent of a plurality of cards corresponding to the plurality of slots. The method of claim 8, wherein the control unit
And a payment application running on the mobile terminal to provide payment guide information. The method of claim 12, wherein the payment guide information
A mobile terminal comprising information on a card that can be settled at the lowest price among a plurality of cards stored corresponding to the plurality of slots. The method of claim 13, wherein the control unit
Receive update information on any one of a plurality of cards stored corresponding to the plurality of slots through the wireless communication unit, and activate only a specific slot corresponding to any one of the plurality of slots through the card application. And control the update information to be stored in the activated specific slot through the card application.

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