KR20140128169A - A payment function providing method and an appratus using it - Google Patents

Abstract

An operating method of a terminal device according to an embodiment of the invention comprises: a step of receiving card information from a server; a step of storing the received card information; a step of identifying at least one terminal for payment which exists nearby by using short-range communication; and a step of applying a payment function to the identified terminal for payment based on the card information and a user input.

Description

TECHNICAL FIELD [0001] The present invention relates to a billing function providing method and a terminal apparatus using the same,

The present invention relates to a method of providing a payment function and a terminal device using the same, and more particularly, to a method of providing a payment function capable of shortening a complicated subscription procedure and a settlement process, and a terminal device using the same.

With the spread of mobile, the mobile payment market is also growing rapidly. NFC, barcode, and payment system using QR code are being commercialized. Generally, in the case of NFC, it is possible to contact the NFC dongle at the time of payment to process the payment. In the case of a QR code or a bar code, personal information and payment information can be read and processed through a camera or a dedicated scanning device of a smartphone.

On the other hand, a lot of payment devices through separate terminals are also being sold. For example, in the case of a vehicle, a mobile payment can be made by installing a high pass terminal. A high pass is a device that performs payment using wireless communication (infrared or frequency). When a user inserts a high pass card in a terminal (OBU: On Board Unit) and drives a high pass lane to 30 km / h or less, Is paid wirelessly.

Such high-pass equipment is a state-of-the-art electronic billing system, requiring the issuance of a terminal (OBU) and a high-pass card. The terminal (OBU) is a wireless communication device that exchanges information with a tollbooth antenna. The OBU must be charged in advance with a rechargeable prepaid card in the form of a slot before paying tolls. In addition, the automatic charging connection account and the registration certificate of the car are required for charging, and it is necessary to purchase a designated place such as a resting place, a bank ATM, a road construction office, a card reader, And settlement.

Both prepaid charging cards and postpaid high-pass cards are issued in the form of a new credit card and inserted into a slot of the terminal (OBU) to make a payment. However, this method incurs a cost of issuing, and the terminal must be purchased separately, and it is troublesome to charge it every time.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a billing function by storing payment information in a wireless tag or a second terminal using a first terminal having a billing function, A billing function providing method and a terminal device using the method are provided.

According to another aspect of the present invention, there is provided a method of operating a terminal device, the method comprising: receiving card information from a server; Storing received card information; Identifying at least one payment terminal located nearby using proximity communication; And providing a payment function to the identified payment terminal based on the card information and the user input.

According to another aspect of the present invention, there is provided a terminal device including: a receiving unit for receiving card information from a server; A storage unit for storing received card information; A proximity communication unit for identifying at least one payment terminal located nearby using proximity communication; And a control unit for giving a payment function to the identified payment terminal through the proximity communication unit based on the card information and the user input.

According to the embodiment of the present invention, the card information can be stored in the security area of the terminal device, and the payment information given from the approval server to the payment terminal can be stored. Also, the payment settlement information is transmitted to the approval server when the payment terminal requests payment, and the approval process can be performed through confirmation at the terminal. Therefore, since the card charging and issuing and inserting process can be omitted in the existing payment terminal, user convenience can be improved.

Particularly, according to the embodiment of the present invention, since the existing terminal can be applied without using a separate component in the existing terminal, device compatibility can be obtained. Accordingly, the present invention can be applied to a payment terminal for card charging or an automatic payment system, and can be easily applied to various fields such as an electric meter of an apartment, a set-top box connected to a TV, an electricity bill, In addition, it can bring economical savings.

1 is a block diagram schematically showing a terminal device according to an embodiment of the present invention.
2 is a block diagram schematically showing a payment function granting system including a terminal device according to an embodiment of the present invention.
3 is a flowchart illustrating a method of providing a payment function using a terminal device according to an embodiment of the present invention.
4 is a flowchart illustrating a payment method using a terminal device according to an embodiment of the present invention.
5 to 7 are views for explaining a data format transmitted and received according to an embodiment of the present invention.

The following merely illustrates the principles of the invention. Thus, those skilled in the art will be able to devise various apparatuses which, although not explicitly described or shown herein, embody the principles of the invention and are included in the concept and scope of the invention. Furthermore, all of the conditional terms and embodiments listed herein are, in principle, intended only for the purpose of enabling understanding of the concepts of the present invention, and are not intended to be limiting in any way to the specifically listed embodiments and conditions .

It is also to be understood that the detailed description, as well as the principles, aspects and embodiments of the invention, as well as specific embodiments thereof, are intended to cover structural and functional equivalents thereof. It is also to be understood that such equivalents include all elements contemplated to perform the same function irrespective of the currently known equivalents as well as the equivalents to be developed in the future, i.e., the structure.

Thus, for example, it should be understood that the block diagrams herein represent conceptual views of exemplary circuits embodying the principles of the invention. Similarly, all flowcharts, state transition diagrams, pseudo code, and the like are representative of various processes that may be substantially represented on a computer-readable medium and executed by a computer or processor, whether or not the computer or processor is explicitly shown .

The functions of the various elements shown in the figures, including the functional blocks depicted in the processor or similar concept, may be provided by use of dedicated hardware as well as hardware capable of executing software in connection with appropriate software. When provided by a processor, the functions may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared.

Also, the explicit use of terms such as processor, control, or similar concepts should not be interpreted exclusively as hardware capable of running software, and may be used without limitation as a digital signal processor (DSP) (ROM), random access memory (RAM), and non-volatile storage. Other hardware may also be included.

In the claims hereof, the elements represented as means for performing the functions described in the detailed description include all types of software including, for example, a combination of circuit elements performing the function or firmware / microcode etc. , And is coupled with appropriate circuitry to execute the software to perform the function. It is to be understood that the invention defined by the appended claims is not to be construed as encompassing any means capable of providing such functionality, as the functions provided by the various listed means are combined and combined with the manner in which the claims require .

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings, in which: There will be. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram schematically showing a terminal device according to an embodiment of the present invention.

The terminal device 100 described in this specification may include a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player) have. However, it will be understood by those skilled in the art that the configuration according to the embodiments described herein may be applied to a fixed terminal such as a digital TV, a desktop computer, and the like, unless the configuration is applicable only to a terminal device.

Hereinafter, a structure of a terminal device according to an embodiment of the present invention will be described with reference to FIG.

FIG. 1 is a block diagram of a terminal device 100 according to an embodiment of the present invention.

The terminal device 100 includes a wireless communication unit 110, an audio / video input unit 120, a user input unit 130, a sensing unit 140, an output unit 150, a storage unit 160, An interface unit 170, a control unit 180, a power supply unit 190, and the like. The components shown in FIG. 1 are not essential, and a terminal device having more or fewer components may be implemented.

The wireless communication unit 110 may include one or more modules for enabling wireless communication between the terminal device 100 and the wireless communication system or between the terminal device 100 and the network in which the terminal device 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 broadcast signals and / or broadcast-related information from an external broadcast management server through a broadcast channel.

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

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

The wireless Internet module 113 is a module for wireless Internet access, and may be embedded in the terminal device 100 or externally. WLAN (Wi-Fi), Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access) and the like can be used as wireless Internet technologies.

The short-range communication module 114 refers to a module for short-range communication. Bluetooth, Radio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), ZigBee, and the like can be used as a short range communication technology.

The position information module 115 is a module for obtaining the position of the terminal device, and a representative example thereof is a Global Position System (GPS) module.

Referring to FIG. 1, an 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 122. The camera 121 processes image frames such as still images or moving images obtained by the image sensor in the video communication mode or the photographing mode. The processed image frame can be displayed on the display unit 151. [

The image frame processed by the camera 121 may be stored in the storage unit 160 or transmitted to the outside through the wireless communication unit 110. [ Two or more cameras 121 may be provided depending on the use environment.

The microphone 122 receives an external sound signal through a microphone in a communication mode, a recording mode, a voice recognition mode, and the like, and processes it as electrical voice data

The user input unit 130 generates input data for a user to control the operation of the terminal. The user input unit 130 may include a key pad dome switch, a touch pad (static / static), a jog wheel, a jog switch, and the like.

The sensing unit 140 senses the current state of the terminal device 100 such as the open / closed state of the terminal device 100, the position of the terminal device 100, the presence or absence of user contact, the orientation of the terminal device, And generates a sensing signal for controlling the operation of the terminal device 100. For example, when the terminal device 100 is in the form of a slide phone, it is possible to sense whether the slide phone is opened or closed. It is also possible to sense whether the power supply unit 190 is powered on, whether the interface unit 170 is connected to an external device, and the like. Meanwhile, the sensing unit 140 may include a proximity sensor 141.

The output unit 150 is for generating output related to the visual, auditory or tactile sense and includes a display unit 151, an audio output module 152, an alarm unit 153, and a haptic module 154 .

The display unit 151 displays (outputs) information to be processed by the terminal device 100. For example, when the terminal device is in the call mode, a UI (User Interface) or GUI (Graphic User Interface) associated with the call is displayed. When the terminal device 100 is in the video communication mode or the photographing mode, it displays the photographed and / or received video or UI and GUI.

The display unit 151 may be a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), a flexible display display, and a 3D display.

(Hereinafter, referred to as a 'touch screen') in which a display unit 151 and a sensor for sensing a touch operation (hereinafter, referred to as 'touch sensor') form a mutual layer structure, It can also be used as an input device. The touch sensor may have the form of, for example, a touch film, a touch sheet, a touch pad, or the like.

The touch sensor may be configured to convert a change in a pressure applied to a specific portion of the display unit 151 or a capacitance generated in a specific portion of the display unit 151 into an electrical input signal. The touch sensor can be configured to detect not only the position and area to be touched but also the pressure at the time of touch.

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

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

The alarm unit 153 outputs a signal for notifying the occurrence of an event of the terminal device 100. [ Examples of events that occur in a terminal device include receiving a call signal, receiving a message, inputting a key signal, and touch input. The alarm unit 153 may output a signal for notifying the occurrence of an event in a form other than the video signal or the audio signal, for example, vibration. The video signal or the audio signal may be output through the display unit 151 or the audio output module 152 so that they may be classified as a part of the alarm unit 153.

The haptic module 154 generates various tactile effects that the user can feel. A typical example of the haptic effect generated by the haptic module 154 is vibration. The intensity and pattern of the vibration generated by the hit module 154 can be controlled. For example, different vibrations may be synthesized and output or sequentially output.

The storage unit 160 may store a program for the operation of the controller 180 and may temporarily store input / output data (e.g., a phone book, a message, a still image, The storage unit 160 may store data related to vibration and sound of various patterns outputted when a touch is input on the touch screen.

The storage unit 160 may store a flash memory type, a hard disk type, a multimedia card micro type, a card type storage unit (for example, an SD or XD storage unit) A static random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM) A magnetic storage unit, a magnetic disk, and / or an optical disk. The terminal device 100 may operate in association with a web storage that performs a storage function of the storage unit 160 on the Internet.

The interface unit 170 serves as a path for communication with all the external devices connected to the terminal device 100. The interface unit 170 receives data from an external device or receives power from the external device and transfers the data to the respective components in the terminal device 100 or allows data in the terminal device 100 to be transmitted to external devices. For example, there may be a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, a port for connecting a device with an identification module, an audio input / A video input / output (I / O) port, an earphone port, and the like may be included in the interface unit 170.

The identification module is a chip for storing various information for authenticating the usage right of the terminal device 100 and includes a user identification module (UIM), a subscriber identity module (SIM), a general user authentication module A Universal Subscriber Identity Module (USIM), and the like. Devices with identification modules (hereinafter referred to as "identification devices") can be manufactured in a smart card format. Accordingly, the identification device can be connected to the terminal 100 through the port.

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

The controller 180 typically controls the overall operation of the terminal device. For example, voice communication, data communication, video communication, and the like. The control unit 180 may include a multimedia module 181 for multimedia playback. The multimedia module 181 may be implemented in the control unit 180 or may be implemented separately from the control unit 180. [

The controller 180 may perform a pattern recognition process for recognizing handwriting input or drawing input performed on the touch screen as characters and images, respectively.

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.

FIG. 2 is a diagram schematically showing an entire system including a terminal device 100 according to an embodiment of the present invention.

2, an entire payment system including a terminal device 100 according to an embodiment of the present invention includes a terminal device 100, a payment terminal 200, and an approval server 300.

Here, communication between the terminal device 100 and the payment terminal 200 can be performed through short-range wireless communication.

The short-range wireless communication may be performed by, for example, Bluetooth, Radio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), ZigBee, DLNA (Digital Living Network Alliance) A communication standard may be used.

The terminal device 100 may be connected to a wired / wireless network including the Internet via the communication unit 110, for example, and may communicate with the approval server 300. The communication unit 110 may include an Ethernet terminal or the like for connection with a wired network and may be a WLAN (Wireless LAN) (Wi-Fi) Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), and HSDPA (High Speed Downlink Packet Access) communication standards.

The terminal device 100 communicates with the approval server 300 through the mobile communication module 112 or the wireless Internet module 113. When the card information is received from the approval server 300, And may identify at least one payment terminal 200 located in the vicinity by using the short distance communication module 114. [

In addition, the terminal device 100 may assign the payment function to the payment terminal 200 identified based on the stored card information and the user input through the user input unit 130. [

Here, the control unit 180 of the terminal device 100 generates the payment function grant information based on the user input, and transmits the generated payment function grant information and the identifier corresponding to the card information to the payment terminal 200 The wireless communication unit 110 can be controlled.

According to the embodiment of the present invention, the terminal device 100 can perform the payment function granting by transmitting / receiving the card information through the short distance communication with the payment terminal 200. [ In this specification, the terminal device 100 may be referred to as a first terminal device, a first terminal, an NFC-supported first terminal or a parent card terminal, and the payment terminal 200 may be referred to as a second terminal .

In particular, the terminal device 100 can support the NFC function. NFC is an example of a short-range communication scheme, which may refer to a contactless short-range wireless communication technology capable of bidirectional communication of data in a specific (13.56 MHz) band at a distance of at least 10 cm. The short-range communication method is compatible with post-payment credit cards or tags that can only use RF communication, as well as high-bandwidth communications that provide short-range data communication between NFC-equipped devices using specific frequency bands.

On the other hand, the payment terminal 200 may or may not support NFC. In general, the payment terminal 200 such as a high pass does not support NFC and can use only an existing RF communication method. Accordingly, the first terminal 100 can perform reading / writing using the RF communication of the NFC to the payment terminal 200. However, the payment terminal 200 is provided with the approval server 300 using the RF communication, which is a basic function, Only payment requests and acknowledgments can be performed on their own.

Also, the payment terminal 200 may include a wireless tag having a payment function, and the first terminal 100 may provide a payment function for the wireless tag.

Therefore, according to the embodiment of the present invention, the terminal device 100 capable of providing a payment function to the terminal device 100 without using a complicated card issuing and inserting procedure using the existing configuration of the payment terminal 200 .

The payment terminal 200 to which the payment function is assigned can transmit a payment request to the approval server 300 through RF communication based on the identification information stored in the payment function.

Accordingly, the approval server 300 can again inquire about approval (display or voice notification) to the terminal device 100, and the terminal device 100 transmits an approval request to the approval server 300 according to the query result The settlement is completed and the completion message can be transmitted to the terminal device 100 or the payment terminal 200. [

The payment information may include at least one of a payment amount, a name of the payment terminal requesting payment, and an identifier corresponding to the card information, and a description thereof will be described later.

3 is a flowchart illustrating a method of providing a payment function using a terminal device according to an embodiment of the present invention.

First, the NFC-enabled first terminal 100 downloads an application program provided by the approval server 300.

In addition, the first terminal 100 can access a secure elements (SE) area such as an NFC USIM or a financial SD card.

The NFC chip and the USIM of the first terminal 100 may be connected by a single wire protocol (SWP) interface. The mobile card stored in the USIM may be transmitted to the NFC chip through the SWP, Information can be read.

Then, the NFC-enabled first terminal 100 can prepare payment information in the USIM through the issuing application program.

As described above, a process of downloading the issuance application program provided by the approval server 300 or the card issuer server is required. In order to access the USIM area of the first terminal, the credit card information in the corresponding block must be read This is because it is accessible only by the card company's key.

Thereafter, when the application program is downloaded, the first terminal 100 has an access right thereto, and can display the information of the credit card on the screen.

The first terminal 100 may display the identified second terminal 200.

Then, the first terminal 100 can display a payment function grant interface. The user can select a credit card for giving a payment function through the payment function granting interface and specify the name of the second terminal 200 to be managed by the application program and the server. The first terminal 100 may transmit the designated card information and the second terminal 200 information to the approval server 300 as payment function grant approval information.

The approval server 300 may assign a 16-character UID (Unique Identification) composed of letters and numbers to the payment function grant approval information and store the same in the approval server 300. [

Then, the approval server 300 can return the UID to the first terminal 300 again. The first terminal 100 may generate payment function grant information according to the received UID information and the issued mobile card information and may transmit the generated payment capability grant information to the RF receiver of the second terminal 200. [

The second terminal 200 may complete the payment function assignment by storing the received UID value and the payment function grant information in the memory and the first terminal 100 may send the information about the issuance completion to the approval server 300 again Lt; / RTI >

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

At the end of the issuance process, the settlement process may proceed.

When the second terminal 200 generates a payment request, the second terminal 200 generates payment information including a corresponding amount based on the UID information stored in the storage unit, and transmits a settlement request to the approval server 300, Lt; / RTI >

The approval server 300 analyzes the settlement request to acquire the UID, identifies the card to be charged or the service based on the UID, and identifies the terminal device 100 including the card to be charged and transmits approval information.

The approval information corresponding to the payment request can be transmitted to the first terminal 100 supporting the NFC in the form of a push message. A confirmation window may be displayed on the first terminal 100 receiving the push message, and if the user selects OK, the payment information may be displayed through the application program. The payment information may include the payment amount, the name of the second terminal 200 requesting payment, and the UID.

Thereafter, when the user who has confirmed the payment information in the first terminal 300 selects the approval or selects the confirmation, the approval request may be transmitted to the approval server 300. Then, the approval server 300 performs the charging process upon receiving the approval request, so that the payment can be completed. The approval server 300 may transmit a payment completion message to at least one of the first terminal 100 and the second terminal 200. [

5 to 7 are views for explaining a data format transmitted and received according to an embodiment of the present invention.

As shown in FIGS. 5 to 7, in the data transmission / reception through RF communication, the physical layer of each of the terminals 100 and 200 can use the ISO / IEC 14443 communication method for RF.

In addition, data to be transmitted from the first terminal 100 to the second terminal 200 via NFC may be generated according to a predefined command through an APDU (Application Protocol Data Unit).

The above configuration can be described as an example of high pass. Instead of attaching the high-pass terminal 200 to the vehicle and inserting a credit card into the slot, the credit card holder can transmit the RF card to the memory unit of the high-pass terminal 200 through the RF communication of the NFC- The payment information can be stored. The high pass terminal 200 may request settlement by calling the payment information stored in the memory unit of the high pass terminal 200 rather than calling the payment information from the credit card when exchanging information with the toll board antenna.

In addition, when the tollgate antenna passes, the high-pass terminal 200 reads the settlement information from the built-in memory and transmits the settlement information including the UID to the card issuer approval server 300 to request postpay settlement thereof. As a result, the user can use the high-pass terminal 200 like the existing credit card payment, thereby reducing the cost, time, and production cost of issuing the card for exclusive use of the existing fare.

Embodiments of the present invention can also be applied to home billing. In the case of a set-top box or a tablet PC, the NFC-enabled first terminal 100 can provide a settlement function to a set-top box or a tablet PC using the embodiment of the present invention.

For example, in the case of a set-top box or IPTV, a payment function may be granted from the NFC first terminal 100 when purchasing content or paying for a broadcasting license fee.

Each set-top box or IPTV can be registered for each UID in the approval server 300 of the card company. As a result, each set-top box or IPTV can perform settlement without any device. In general tablet PC, the RF antenna function is built in the monitor part, so online settlement can be done easily.

The method according to the present invention may be implemented as a program for execution on a computer and stored in a computer-readable recording medium. Examples of the computer-readable recording medium include a ROM, a RAM, a CD- , A floppy disk, an optical data storage device, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet).

The computer readable recording medium may be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

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.

Claims (10)

A method of operating a terminal device,
Receiving card information from a server;
Storing received card information;
Identifying at least one payment terminal located nearby using proximity communication; And
And providing a payment function to the identified payment terminal based on the card information and the user input. The method according to claim 1,
The step of granting the settlement function
Generating payment function grant information based on the user input; And
And transmitting the generated payment function grant information and an identifier corresponding to the card information to the payment terminal. The method according to claim 1,
Wherein the payment terminal performs communication using an RF communication method. The method according to claim 1,
Receiving payment information according to a payment request transmitted from the payment terminal to which the payment function is assigned, from the server;
Inquiring about approval or disapproval according to the payment information; And
And transmitting an approval request to the server according to the query result. 5. The method of claim 4,
Wherein the payment information includes at least one of a payment amount, a name of the payment terminal requesting settlement, and an identifier corresponding to the card information. In the terminal device,
A receiving unit for receiving card information from a server;
A storage unit for storing received card information;
A proximity communication unit for identifying at least one payment terminal located nearby using proximity communication; And
And a control unit for giving a payment function to the identified payment terminal through the proximity communication unit based on the card information and the user input. The method according to claim 6,
Wherein the control unit generates payment function grant information based on the user input and transmits the generated payment function grant information and an identifier corresponding to the card information to the settlement terminal through the proximity communication unit. The method according to claim 6,
Wherein the payment terminal performs communication using an RF communication method. The method according to claim 6,
Wherein the receiving unit receives payment information according to a payment request transmitted from the payment terminal provided with the payment function from the server,
Wherein the control unit inquires of approval or disapproval according to the payment information,
And a transmitting unit for transmitting an approval request to the server according to the query result. 10. The method of claim 9,
Wherein the payment information includes at least one of a payment amount, a name of the payment terminal requesting settlement, and an identifier corresponding to the card information.

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