KR20130005789A - Mobile terminal and operation method thereof - Google Patents

Abstract

PURPOSE: A portable terminal and an operating method thereof are provided to enhance security in a payment process by performing a user authentication process when credit payment is performed through NFC(Near Field Communication) technology. CONSTITUTION: A portable terminal is connected with an NFC device to receive payment information from the NFC device(S310). When payment is selected, a user authentication process is performed(S315). When a user is authenticated according to the process, information for permitting payment is transmitted to the NFC device(S320). A payment-related screen for selecting the payment is displayed. The user authentication process is performed by inputting a preset password, a sign, or a fingerprint. [Reference numerals] (100) Portable terminal; (200) NFC device; (S300) Transmission of an affiliated store name, prices, and a discount card list; (S305) Transmission of discount coupon numbers; (S310) Transmission of availability and discounted total price; (S315) User authentication; (S320) Card number and payment request; (S325) Approval number and approval completion

Description

Mobile terminal and operation method thereof

The present invention relates to a mobile terminal and a method of operating the same, and more particularly, to a mobile terminal and a method of operating the same that can be used for credit payment for goods or services using NFC (Near Field Communication) technology.

A portable terminal is a portable device that is portable and has one or more functions for making voice and video calls, inputting and outputting information, and storing data. As the functions of the portable terminal have diversified, they have complicated functions such as photographing and photographing, playing music files and video files, receiving games, receiving broadcasts, and wireless internet, and have developed a comprehensive multimedia player, . In the portable terminal implemented in the form of such a multimedia device, new attempts have been applied in various ways in terms of hardware and software to implement complex functions.

On the other hand, NFC (Near Field Communication) technology has recently been applied to portable terminals, and has been utilized for various purposes. NFC stands for contactless short-range wireless communication technology using the 13.56MHz frequency band, and provides interoperability with existing contactless smart card technology and radio recognition technology (RFID).

In the case of a mobile terminal to which such NFC technology is applied, data communication with another terminal may be performed using NFC, or may be used as a means of replacing a credit card using NFC mobile payment.

However, in the case of credit payment for goods or services using a NFC-enabled mobile terminal, the method of simply paying the mobile terminal closer to an NFC device installed in a store or the like has a low level of security, so In case of loss, the damage can be great.

Therefore, when making a credit payment using a NFC-enabled mobile terminal, there is a need for a method of protecting a legitimate user and limiting an illegal user's use.

Accordingly, an object of the present invention is to provide a mobile terminal and an operation method thereof capable of authenticating a payment through a user authentication process when making a credit payment using NFC technology.

In accordance with another aspect of the present invention, there is provided a method of operating a mobile terminal, the method comprising: receiving a payment information from a NFC device by communicatively connecting to a Near Field Communication (NFC) device, and selecting a payment, a user authentication procedure And if the user is authenticated according to the user authentication procedure, transmitting information for accepting payment to the NFC device.

In addition, the portable terminal according to the present invention includes a wireless communication unit for communicatively connecting with a near field communication (NFC) device and a display unit for displaying a payment related screen; And upon receiving payment information from the NFC device through the wireless communication unit, displays the payment related screen on the display unit and, when payment is selected on the payment related screen, performs a user authentication procedure and accepts payment upon user authentication. It includes a control unit for transmitting information for the NFC device through the wireless communication unit.

According to the present invention, when making a credit payment using NFC technology, it is possible to enhance the security in the payment process by performing a user authentication process using a password, sign, fingerprint, and the like. Accordingly, it is possible to protect legitimate users and limit the use of unjust users, thereby minimizing damage due to unfair payment even in the case of theft or loss of the mobile terminal.

1 is a block diagram of a portable terminal according to an embodiment of the present invention;
2 is a perspective view of a portable terminal according to an embodiment of the present invention;
3 is a rear perspective view of the mobile terminal shown in FIG. 2;
4 is a view referred to for schematically explaining a method of operating a mobile terminal according to an embodiment of the present invention;
5 is a signal flowchart provided to explain a method of operating a mobile terminal according to an embodiment of the present invention;
6 is a flowchart provided to explain a method of operating a mobile terminal according to an embodiment of the present invention;
7 to 10 are views referred to for the description of the operation method of the mobile terminal according to an embodiment of the present invention, and
11 is a signal flowchart provided to explain a method of operating a mobile terminal according to another embodiment of the present invention.

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

The portable terminal described in the present specification may be used in various applications such as a mobile phone, a smart phone, a notebook computer, a digital broadcasting terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player), a camera, tablet computers, e-book terminals, and the like. In addition, suffixes "module" and " part "for the components used in the following description are given merely for convenience of description, and do not give special significance or role in themselves. Accordingly, the terms "module" and "part" may be used interchangeably.

FIG. 1 is a block diagram of a portable terminal according to an exemplary embodiment of the present invention. Referring to FIG. Referring to FIG. 1, a mobile terminal according to an embodiment of the present invention will be described in terms of components according to functions.

1, the portable 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, an interface unit 170, a control unit 180, and a power supply unit 190. Such components may be configured by combining two or more components into one component, or by dividing one or more components into two or more components as necessary when implemented in an actual application.

The wireless communication unit 110 may include a broadcast receiving module 111, a mobile communication module 113, a wireless Internet module 115, a short distance communication module 117, and a GPS module 119.

The broadcast receiving module 111 receives at least one of a broadcast signal and broadcast related information from an external broadcast management server through a broadcast channel. At this time, the broadcast channel may include a satellite channel, a terrestrial channel, and the like. The broadcast management server may refer to a server for generating and transmitting at least one of a broadcast signal and broadcast related information and a server for receiving at least one of the generated broadcast signal and broadcast related information and transmitting the broadcast signal to the terminal.

The broadcast signal may include a TV broadcast signal, a radio broadcast signal, a data broadcast signal, and a broadcast signal in which a data broadcast signal is combined with a TV broadcast signal or a radio broadcast signal. The broadcast-related information may mean information related to a broadcast channel, a broadcast program, or a broadcast service provider. The broadcast related information may also be provided through a mobile communication network, and in this case, may be received by the mobile communication module 113. Broadcast related information may exist in various forms.

The broadcast receiving module 111 may receive a digital broadcast signal using a digital broadcast system. In addition, the broadcast receiving module 111 may be configured to be suitable for all broadcast systems providing broadcast signals as well as such digital broadcast systems. The broadcast signal and / or broadcast related information received through the broadcast receiving module 111 may be stored in the memory 160.

The mobile communication module 113 transmits and receives a radio signal 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 according to a voice call signal, a video call signal, or a text / multimedia message transmission / reception.

The wireless Internet module 115 refers to a module for wireless Internet access, and the wireless Internet module 115 can be embedded in the mobile terminal 100 or externally. Wireless Internet technologies may include Wireless LAN (Wi-Fi), Wireless Broadband (Wibro), World Interoperability for Microwave Access (Wimax), High Speed Downlink Packet Access (HSDPA), and the like.

The short-range communication module 117 refers to a module for short-range communication. Bluetooth, radio frequency identification (RFID), infrared data association (IrDA), ultra wideband (UWB), ZigBee, and Near Field Communication (NFC) may be used as the short distance communication technology.

A GPS (Global Position System) module 119 receives position information from a plurality of GPS satellites.

The A / V (Audio / Video) input unit 120 is for inputting an audio signal or a video signal, and may include a camera 121 and a microphone 123. 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. [ The camera 121 may be equipped with two or more cameras according to the configuration of the terminal.

The microphone 123 receives an external sound signal by a microphone in a communication mode, a recording mode, a voice recognition mode, or the like, and processes it as 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 113 and output when the voice data is in the call mode. The microphone 123 may be a variety of noise reduction algorithms for eliminating noise generated in receiving an external sound signal.

The user input unit 130 generates key input data that the user inputs to control the operation of the terminal. The user input unit 130 may include a key pad, a dome switch, a touch pad (constant voltage / capacitance), etc. that may receive a command or information by a user's push or touch operation. In addition, the user input unit 130 may be configured as a jog wheel or a jog method or a joystick that rotates a key, a finger mouse, or the like. Particularly, when the touch pad has a mutual layer structure with the display unit 151 described later, it can be called a touch screen.

The sensing unit 140 senses the current state of the portable terminal 100 such as the open / close state of the portable terminal 100, the position of the portable terminal 100, Thereby generating a sensing signal. 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, it may be responsible for sensing functions related to whether the power supply unit 190 is supplied with power, whether the interface unit 170 is coupled to an external device, and the like.

The sensing unit 140 may include a detection sensor 141, a pressure sensor 143, a motion sensor 145, and the like. The detection sensor 141 detects the presence of an object approaching the portable terminal 100 or an object existing in the vicinity of the portable terminal 100 without mechanical contact. The detection sensor 141 may detect a proximity object by using a change in an alternating magnetic field or a change in a static magnetic field, or using a change rate of capacitance. The sensor 141 may be provided with two or more according to the configuration aspect.

The pressure sensor 143 may detect whether pressure is applied to the portable terminal 100, the magnitude of the pressure, and the like. The pressure sensor 143 may be installed at a portion where the pressure of the portable terminal 100 is required depending on the use environment. If the pressure sensor 143 is installed in the display unit 151, a touch input through the display unit 151 and a greater pressure than the touch input are applied according to a signal output from the pressure sensor 143. The pressure touch input can be identified. Also, the magnitude of the pressure applied to the display unit 151 at the time of the pressure touch input can be determined according to the signal output from the pressure sensor 143. [

The motion sensor 145 detects the position and movement of the portable terminal 100 using an acceleration sensor, a gyro sensor, or the like. An acceleration sensor that can be used for the motion sensor 145 is a device that converts an acceleration change in one direction into an electric signal and is widely used along with the development of MEMS (micro-electromechanical systems) technology. The acceleration sensor measures the acceleration of a small value built in the airbag system of an automobile and recognizes the minute motion of the human hand and measures the acceleration of a large value used as an input means such as a game There are various types. Acceleration sensors are usually constructed by mounting two or three axes in one package. Depending on the usage environment, only one axis of Z axis is required. Therefore, when the acceleration sensor in the X-axis direction or the Y-axis direction is used instead of the Z-axis direction for some reason, the acceleration sensor may be mounted on the main substrate by using a separate piece substrate.

The gyro sensor is a sensor for measuring the angular velocity, and it can sense the direction of rotation with respect to the reference direction.

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, an audio output module 153, an alarm unit 155, and a haptic module 157.

The display unit 151 displays and outputs information processed by the mobile terminal 100. For example, when the portable terminal 100 is in the call mode, a UI (User Interface) or a GUI (Graphic User Interface) associated with a call is displayed. When the portable terminal 100 is in the video communication mode or the photographing mode, the photographed or received images can be displayed individually or simultaneously, and the UI and the GUI are displayed.

Meanwhile, as described above, when the display unit 151 and the touch pad have a mutual layer structure to constitute a touch screen, the display unit 151 may be an input device capable of inputting information by a user's touch in addition to the output device Can also be used.

If the display unit 151 is configured as a touch screen, it may include a touch screen panel, a touch screen panel controller, and the like. In this case, the touch screen panel is a transparent panel attached to the outside, and can be connected to the internal bus of the portable terminal 100. The touch screen panel keeps a watch on the contact result, and if there is a touch input, sends the corresponding signals to the touch screen panel controller. The touch screen panel controller processes the signals, and then transmits corresponding data to the controller 180 so that the controller 180 can determine whether the touch input has been made and which area of the touch screen has been touched.

The display unit 151 may be formed of an e-paper. Electronic paper (e-Paper) is a kind of reflective display, and has excellent visual characteristics such as high resolution, wide viewing angle and bright white background as conventional paper and ink. The electronic paper (e-paper) can be implemented on any substrate such as plastic, metal, paper, and the image is retained even after the power is shut off, and the battery life of the portable terminal 100 is long Can be maintained. As the electronic paper, a hemispherical twist ball filled with a telephone can be used, or an electrophoresis method and a microcapsule can be used.

In addition, 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, a three- (3D display). In addition, two or more display units 151 may exist according to the implementation form of the mobile terminal 100. For example, the external display unit (not shown) and the internal display unit (not shown) may be simultaneously provided in the portable terminal 100.

The audio output module 153 outputs audio data received from the wireless communication unit 110 or stored in the memory 160 in a call signal reception mode, a call mode or a recording mode, a voice recognition mode, a broadcast reception mode, The sound output module 153 outputs sound signals related to functions performed in the portable terminal 100, for example, a call signal reception tone, a message reception tone, and the like. The sound output module 153 may include a speaker, a buzzer, and the like.

The alarm unit 155 outputs a signal for notifying the occurrence of an event of the portable terminal 100. Examples of events occurring in the portable terminal 100 include call signal reception, message reception, and key signal input. The alarm unit 155 outputs a signal for notifying the occurrence of an event in a form other than an audio signal or a video signal. For example, it is possible to output a signal in a vibration mode. The alarm unit 155 can output a signal to notify when a call signal is received or a message is received. Also, when the key signal is inputted, the alarm unit 155 can output the signal as the feedback to the key signal input. The user may recognize the occurrence of an event through the signal output from the alarm unit 155. A signal for notifying the occurrence of an event in the portable terminal 100 may also be output through the display unit 151 or the sound output module 153. [

The haptic module 157 generates various tactile effects that the user can feel. A typical example of the haptic effect generated by the haptic module 157 is a vibration effect. When the haptic module 157 generates vibration with a haptic effect, the intensity and pattern of the vibration generated by the haptic module 157 can be converted, and the different vibrations can be synthesized and output or sequentially output.

In addition to the vibration, the haptic module 157 may be provided with a function of stimulating by a pin arrangement vertically moving with respect to the contact skin surface, an effect of stimulating air through the injection or suction force of the air through the injection port or the suction port, The effect of stimulation through contact of an electrode (eletrode), the effect of stimulation by electrostatic force, and the effect of reproducing a cold sensation using a device capable of endothermic or exothermic can be generated. The haptic module 157 can be implemented not only to transmit the tactile effect through direct contact but also to feel the tactile effect through the muscular sense of the user's finger or arm. Two or more haptic modules 157 may be provided according to a configuration aspect of the mobile terminal 100.

The memory 160 may store a program for processing and controlling the control unit 180 and may store a function for temporarily storing input or output data (e.g., a phone book, a message, a still image, .

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), a RAM , And a ROM. ≪ / RTI > In addition, the portable terminal 100 may operate a web storage for storing the memory 150 on the Internet.

The interface unit 170 serves as an interface with all external devices connected to the portable terminal 100. Examples of the external device connected to the portable terminal 100 include a wired / wireless headset, an external charger, a wired / wireless data port, a memory card, a SIM (Subscriber Identification Module) card, a UIM An audio input / output (I / O) terminal, a video I / O (input / output) terminal, and an earphone. The interface unit 170 receives data from the external device or receives power from the external device and transmits the data to each component in the portable terminal 100 so that data in the portable terminal 100 can be transmitted to the external device .

The interface unit 170 is a path through which power from the cradle connected when the portable terminal 100 is connected to the external cradle is supplied to the portable terminal 100 or various command signals inputted from the cradle by the user are carried And may be a passage to be transmitted to the terminal 100.

The controller 180 typically controls the operation of the respective units to control the overall operation of the mobile terminal 100. For example, voice communication, data communication, video communication, and the like. In addition, the control unit 180 may include a multimedia playback module 181 for multimedia playback. The multimedia playback module 181 may be configured in hardware in the controller 180 or separately from software in the controller 180. [

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power necessary for operation of the respective components.

The mobile terminal 100 having such a configuration can be configured to be operable in a communication system capable of transmitting data through a frame or a packet, including a wired / wireless communication system and a satellite-based communication system. have.

2 is a perspective view of the portable terminal according to an embodiment of the present invention, and FIG. 3 is a rear perspective view of the portable terminal illustrated in FIG. 2. Hereinafter, the portable terminal according to the present invention will be described with reference to FIGS. 2 and 3 in terms of components according to the external form. Hereinafter, for convenience of description, a bar-type portable terminal having a front touch screen among various types of portable terminals such as a folder type, a bar type, a swing type, a slider type, etc. will be described as an example. However, the present invention is not limited to a bar-type portable terminal, but can be applied to all types of portable terminals including the above-mentioned type.

Referring to FIG. 2, the case constituting the outer appearance of the portable terminal 100 is formed by the front case 100-1 and the rear case 100-2. Various electronic components are incorporated in the space formed by the front case 100-1 and the rear case 100-2.

The display unit 151, the first sound output module 153a, the first camera 121a, and the first through third user input units 130a, 130b, and 130c are connected to the main body, specifically, the front case 100-1 . A fourth user input unit 130d, a fifth user input unit 130e, and a microphone 123 may be disposed on a side surface of the rear case 100-2.

The display unit 151 may be constructed such that the touch pad is overlapped with the layer structure so that the display unit 151 operates as a touch screen so that information can be input by a user's touch.

The first acoustic output module 153a may be implemented in the form of a receiver or a speaker. The first camera 121a may be implemented in a form suitable for capturing an image or a moving image of a user. The microphone 123 may be implemented in a form suitable for receiving a user's voice, other sounds, and the like.

The first through fifth user input units 130a 130b 130c 130d and 130e and the sixth and seventh user input units 130f and 130g described below may be collectively referred to as a user input unit 130, Any manner can be employed in a tactile manner.

For example, the user input unit 130 may be implemented as a dome switch or a touch pad that may receive a command or information by a user's push or touch operation, or may be operated as a wheel or jog or a joystick that rotates a key. Or the like. In a functional aspect, the first to third user input units 130a, 130b and 130c are for inputting commands such as start, end, and scroll, and the fourth user input unit 130d is for inputting a selection of an operation mode, . In addition, the fifth user input unit 130e may operate as a hot-key for activating a special function in the portable terminal 100. [

Referring to FIG. 3, a second camera 121b may be additionally mounted on the rear of the rear case 100-2, and the sixth and seventh user inputs 130f, 130g) and the interface unit 170 may be disposed.

The second camera 121b has a photographing direction substantially opposite to that of the first camera 121a, and may have pixels different from those of the first camera 121a. A flash (not shown) and a mirror (not shown) may be additionally disposed adjacent to the second camera 121b. In addition, another camera may be installed adjacent to the second camera 121b to use it for shooting a three-dimensional stereoscopic image.

The flash shines toward the subject when the subject is photographed with the second camera 121b. The mirror allows the user to see his / her own face or the like when photographing (self-photographing) the user using the second camera 121b.

A second sound output module (not shown) may be further disposed in the rear case 100-2. The second sound output module may implement the stereo function together with the first sound output module 153a, and may be used for talking in the speakerphone mode.

The interface unit 170 can be used as a path for exchanging data with an external device. In addition, an antenna (not shown) for receiving a broadcast signal may be disposed in one area of the proton case 100-1 and the rear case 100-2. The antenna may be installed to be capable of being drawn out from the rear case 100-2.

A power supply unit 190 for supplying power to the portable terminal 100 may be mounted on the rear case 100-2. The power supply unit 190 may be a rechargeable battery, for example, and may be detachably coupled to the rear case 100-2 for charging or the like.

In the above description, the second camera 121b and the like are disposed on the rear case 100-2, but the present invention is not limited thereto. Also, the first camera 121a may be rotatably formed so that the second camera 121b can be photographed up to the photographing direction, even if the second camera 121b is not separately provided.

4 is a diagram referred to schematically describe a method of operating a mobile terminal according to an embodiment of the present invention.

Referring to FIG. 4, a Near Field Communication (NFC) device 200 is installed in a store that sells a product or provides a service. NFC device 200 is generally capable of transmitting and receiving mutual recognition and data with other NFC devices within the range of 10cm ~ 1m, the setup time is about 0.1 seconds, and is compatible with Bluetooth, WiFi, RFID and the like.

When the purchase of the product or the provision of the service is completed, the mobile terminal 100 to which the NFC technology is applied may be brought closer to the NFC device 200 to pay for the product or service. At this time, in the operation method of the portable terminal according to the present invention, a method of accepting or authenticating payment is used only when a legitimate user is authenticated by performing a preset user authentication process.

5 is a signal flowchart provided to explain a method of operating a mobile terminal according to an embodiment of the present invention.

Referring to FIG. 5, when payment for goods or services is required, when the mobile terminal 100 is brought close to the NFC device 200 installed in a store, the NCF device 200 may receive a list of affiliate stores, prices, discount card lists, and the like. Payment information is transmitted to the mobile terminal 100 (S300). If there is a discount coupon available, the mobile terminal 100 transmits the discount coupon number to the NFC device 200 (S305). Accordingly, the NFC device 200 transmits the availability of the discount coupon and the discounted total amount to the mobile terminal 100 when the discount coupon is used (S310).

The mobile terminal 100 performs a user authentication process for payment authentication (S315). The user authentication process authenticates whether the user is a legitimate user by using a method such as a password input, a signature input, or a fingerprint input.

When the user is authenticated as a legitimate user, the mobile terminal 100 transmits the information requesting the payment together with the card number to the NFC device 200 (S320). Accordingly, the NFC device 200 notifies the completion of the approval together with the approval number (S325), thereby completing the payment process.

6 is a flowchart provided to explain a method of operating a mobile terminal according to an embodiment of the present invention. Referring to FIG. 6, when the controller 180 receives payment information from the NFC device 200 through the wireless communication unit 110 (S400), the controller 180 displays a payment related menu for selecting whether to pay or not. Displayed in (S405).

If payment is selected in a payment related menu (S410), the controller 180 performs a user authentication process according to a preset method, and when the user is authenticated (S425), payment authentication or acceptance such as a card number and payment request information Information for transmitting the NFC device 200 (S430).

The user authentication process may be performed by whether a password corresponding to a preset password is input, whether a signature of the same handwriting as the preset signature is input, whether a preset fingerprint is input, or the like.

If coupon use is selected in the payment related menu (S415), the controller 180 requests the NFC device 200 to recalculate the payment amount (S420).

In addition, when the user is not authenticated, the information is terminated without transmitting the authentication or acceptance information to the NFC device 200. In such a case, since payment is not made, payment by an illegal user can be prevented.

7 to 10 are diagrams referred to for describing a method of operating a mobile terminal according to the present invention.

7A illustrates a screen 500 for selecting whether to use a coupon in a payment related menu. When the payment information is received from the NFC device 200, if a coupon is available, a screen 500 for selecting whether to use the coupon may be displayed. If there is an input 503 for selecting to use a coupon, as illustrated in FIG. 7B, a screen 510 for selecting a coupon to be used may be displayed. When the coupon to be selected is selected on the screen 510 and there is an input 513 of completion of selection, the NFC device 200 requests to recalculate the payment amount. In addition, if it is impossible to use the duplicate according to the coupon, it may be displayed so that the user can recognize.

8A illustrates a screen 520 for selecting whether to pay in a payment related menu. If there is an input 523 for selecting payment on the screen 520 as shown in FIG. 8B, the screen 530 for user authentication may be displayed. On the screen 530 for user authentication, a preset password may be input, or a user authentication process may be performed by inputting the same handwriting as the preset handwriting, inputting a preset fingerprint, or the like. Such user authentication method may be used more than one at the same time.

On the other hand, for enhanced security, the mobile terminal 100 may separate and use an area for storing authentication information. In other words, authentication information such as name, phone number, company name, etc. are stored in the publicly set area, and social security number, account number, password, etc., authentication information are stored in the privately set area, or stored in different media. Can be used.

In FIG. 10, a screen 550 for selecting a public area and a private area is illustrated. If there is an input 553 selected by the public activation on the screen 550, the authentication process is performed using the authentication information stored in the publicly set area. In contrast, when private activation is selected, the authentication process is performed using authentication information stored in a privately set area.

In FIG. 11, a screen 570 for selecting authentication information stored in different media is shown. If there is an input 573 to select the NFC1 activation on the screen 570, an authentication process is performed using the authentication information stored in the NFC1 chip. In contrast, when NFC2 activation is selected, the authentication process is performed using authentication information stored in the NFC2 chip.

Next, when paying for expensive goods or services, it may be configured to go through two payment processes. In other words, it is configured to pay a certain amount at the time of contract, and pay the remaining amount after delivery of goods or completion of service.

11 is a signal flow diagram illustrating a payment process using such two payments. Referring to FIG. 11, when the NFC device 200 requests the first payment (S600), when the user terminal authenticates the user by performing the above-described user authentication process on the mobile terminal 100 (S605), 1 Car payment is completed (S610).

Next, after receiving the goods, or after a certain period of time, when the second payment request from the NFC device 200 (S615), the mobile terminal 100 performs the above-described user authentication process to make a payment at the time of user authentication If you accept (S620), the second payment is completed (S630).

By this two payment process, the payment for the expensive goods or services can be settled, it is possible to enhance the security.

Meanwhile, the present invention can be implemented as a processor-readable code in a processor-readable recording medium provided in a portable terminal. The processor-readable recording medium includes all kinds of recording apparatuses in which data that can be read by the processor is stored. Examples of the processor-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like, and also include a carrier wave such as transmission through the Internet. In addition, the processor readable recording medium may be distributed over networked computer systems so that code readable by the processor in a distributed manner can be stored and executed.

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

110: wireless communication unit 120: A / V input unit
130: user input unit 140: sensing unit
150: output unit 151: display unit
160: memory 170: interface unit
180:

Claims (10)

Receiving payment information from the NFC device by communicatively connecting with a Near Field Communication (NFC) device;
If payment is selected, performing a user authentication procedure; And
If the user is authenticated according to the user authentication procedure, transmitting information for accepting payment to the NFC device. The method of claim 1,
And displaying a payment related screen for selecting whether or not to make the payment. The method of claim 1,
The user authentication procedure is performed by at least one of a predetermined password input, a predetermined sign input, and a predetermined fingerprint input. The method of claim 1,
And transmitting the available coupon information to the NFC device, requesting recalculation of a payment price. The method of claim 1,
And providing a menu for selecting an area in which the authentication information used in the user authentication procedure is stored. The method of claim 1,
And providing a menu for selecting a medium storing authentication information used in the user authentication procedure. A wireless communication unit for communicatively connecting with a near field communication (NFC) device;
A display unit displaying a payment related screen for selecting whether to pay; And
When the payment information is received by the NFC device through the wireless communication unit, the payment related screen is displayed on the display unit,
When the payment is selected on the payment-related screen, a mobile terminal comprising a control unit for performing a user authentication procedure to transmit information for accepting payment to the NFC device through the wireless communication unit. The method of claim 7, wherein
The controller performs the user authentication procedure using at least one of a preset password input, a preset sign input, and a preset fingerprint input. The method of claim 7, wherein
When the available coupon is selected, the controller transmits coupon information to the NFC device and requests recalculation of a payment price. The method of claim 1,
And the control unit displays a menu for selecting an area or a medium storing authentication information used in the user authentication procedure on the display unit.

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