KR20150019956A - Terminal and service device for providing card clause agreement and issue, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor - Google Patents

Abstract

The present invention stores at least one payment-related card, selected to be issued in a terminal, in a temporarily storage when issuing at least one payment-related card, then performs a process of agreement to the terms of agreement for the payment-related card when selecting the issue of the payment-related card stored in the temporarily storage, and then registers the payment-related card in the terminal by sequentially receiving the payment-related card. Thus, inconvenience, caused by progressing with issuing processes for each payment-related card to issue the payment-related cards, is reduced so that use convenience is improved, the issuing process for at least one payment-related card is performed quickly and simply, and the convenience of users regarding the issue of the payment-related card is improved.

Description

TECHNICAL FIELD [0001] The present invention relates to a terminal and a service apparatus for providing a card agreement and issuance, an electronic wallet system including the same, a control method thereof, and a recording medium on which a computer program is recorded , control method thereof and computer readable medium having computer program recorded there}

[0001] The present invention relates to a terminal and a service apparatus for providing a card agreement agreement and issuance, an electronic wallet system including the same, a control method thereof, and a recording medium on which a computer program is recorded. Related card information for one or more settlement related card information stored in the temporary storage box at a time when the card issuance is selected for one or more payment related card information stored in the temporary storage box A terminal and a service device for issuing a card condition agreement and issuance of at least one corresponding payment related card sequentially and registering in the terminal, an electronic wallet system including the same, a control method thereof, and a recording medium on which a computer program is recorded .

The electronic wallet system manages a credit card, a transportation card, a payment related card, a coupon, etc. through a user terminal provided with a USIM card or the like, and provides a settlement function between a user terminal and a partner terminal.

In order to issue a card to a user terminal, the electronic wallet system issues a consent agreement procedure in the order of the card to be issued, issues a card, and then issues a new card to issue another card As is the case, you must carry out the agreement procedure for each of the multiple cards you wish to issue, and issue multiple copies of the card.

Korean Patent Laid-Open No. 10-2012-0131057 [Title: Mobile Card Management Method and Server]

An object of the present invention is to provide a terminal and a service device that provide card agreement and issuance of one or more settlement related card information selected for issuance in a temporary storage when issuing at least one settlement related card, A control method thereof, and a recording medium on which a computer program is recorded.

Another object of the present invention is to provide a method and system for collecting payment related card information by collectively executing a procedure for accepting terms and conditions of one or more settlement related card information when issuing a card for one or more payment related card information stored in a temporary storage box, An electronic wallet system including the terminal, a service device, and a recording medium on which the computer program is recorded.

A terminal according to an embodiment of the present invention includes a communication unit for communicating with an external device when a specific application installed in advance is executed; A display unit for displaying a specific application execution result screen; Related card list including a plurality of payment-related card information transmitted from the service providing apparatus, from among a plurality of payment-related card lists, and a specific application execution result screen, And a controller for temporarily storing one or more pieces of payment-related card information selected from the displayed payment-related card lists in another menu set in advance in a specific application execution result screen.

As an example related to the present invention, the payment-related card information includes an image or a moving image of a payment related card, an affiliate name, a card name, a card number, an expiration date, a benefit, an annual fee, barcode information, QR code information, NFC tag information, and smart tag information.

As an example related to the present invention, the control unit interlocks the payment related card information selected in the detailed view screen of the specific payment related card selected from the payment related card list displayed on the display unit with another menu, temporarily stores the linked payment related card information .

As an example related to the present invention, the control unit controls the display unit to display one or more payment related card information temporarily stored in association with another menu selected when another menu is selected from the specific application execution result screen, When the button is selected, one or more payment related card information temporarily stored may be transmitted to the service providing apparatus through the communication unit.

As an example related to the present invention, the controller receives one or more contract information corresponding to one or more payment related card information transmitted from the service providing apparatus in response to one or more settlement related card information transmitted through the communication unit, The display unit can be controlled to display the contract information.

As an example related to the present invention, the control unit generates the agreement agreement information after performing the agreement agreement process for one or more agreement information displayed on the display unit, transmits the agreement agreement information generated through the communication unit to the service providing apparatus, One or more payment related cards issued from the service providing apparatus in response to the provision agreement information can be registered in another predetermined menu of the specific application.

A service providing apparatus according to an embodiment of the present invention includes a communication unit for communicating with a terminal; Related card information including one or more settlement related card information to the terminal, transmits one or more contract information corresponding to one or more settlement related card information transmitted from the terminal to the terminal, And a control unit for receiving agreement agreement information transmitted from the terminal in response to the agreement information.

As an example related to the present invention, the control unit requests the issuance of the payment related card corresponding to the agreement agreement information to the affiliate server corresponding to one or more payment related card information corresponding to the received agreement agreement information, And issue a payment related card issued from the affiliate server to the terminal in response.

A control method of a terminal according to an embodiment of the present invention includes receiving a payment related card list including a plurality of payment related card information transmitted from a service providing apparatus through a communication unit when a preset menu is selected from a specific application execution result screen ; Displaying a payment related card list received through the display unit; Associating one or more payment related card information items selected from the payment related card information items displayed through the control unit with other preset menu items in a specific application execution result screen; Controlling the display unit to display at least one payment related card information temporarily stored when another menu is selected from a specific application execution result screen through the control unit; Transmitting one or more payment related card information temporarily stored to the service providing apparatus by the communication unit when a preset button is selected through the control unit; Receiving, by the communication unit, one or more contract information corresponding to one or more settlement related card information transmitted from the service providing apparatus in response to one or more settlement related card information transmitted through the control unit; And displaying the one or more terms and conditions received via the display unit.

In one embodiment of the present invention, the step of receiving a payment-related card list comprises the steps of communicating with a service providing apparatus through a communication unit when a specific application installed in advance is executed; Controlling the display unit to display a specific application execution result screen including a wallet menu corresponding to a specific application, an additional menu, an event / news menu, and a more menu through the control unit; Controlling the display unit to display an additional menu screen including a membership menu, a coupon menu, a billing menu, a direct registration menu, and a card issuance menu when an additional menu is selected from a specific application execution result screen displayed through the control unit; Receiving a payment related card list transmitted from a service providing apparatus by a communication unit when a membership menu corresponding to a preset menu is selected from an additional menu screen through a control unit; And controlling the display unit to display the payment related card list received through the control unit.

As an example related to the present invention, there is provided an information processing method comprising the steps of: generating a contract agreement information after performing a contract agreement process for one or more contract information through a controller; Transmitting agreement agreement information generated through the communication unit to the service providing apparatus; And registering at least one settlement related card issued from the service providing apparatus in another preset menu of the specific application in response to the agreement agreement information transmitted through the control unit.

A computer program for performing the control method of the terminal according to the above-described embodiment may be stored in the recording medium on which the computer program according to the embodiment of the present invention is recorded.

A method of controlling a service providing apparatus according to an exemplary embodiment of the present invention includes: transmitting a payment related card list including a plurality of payment related card information to a terminal after connection with a terminal through a communication unit; Receiving at least one payment related card information selected from a payment related card list transmitted from a terminal through a communication unit; Transmitting one or more contract information corresponding to at least one payment related card information received through the control unit to the terminal by the communication unit; Receiving agreement agreement information for one or more agreement information transmitted from the terminal through the communication unit; Requesting issuance of a settlement related card corresponding to agreement agreement information to an affiliate server corresponding to at least one payment related card information corresponding to the agreement agreement information received through the control unit; And issuing a settlement related card issued from the affiliate server to a predetermined application installed in the terminal in response to the settlement related card issuance request through the controller.

As an example related to the present invention, a plurality of settlement related card information may be a state in which payment related cards installed in advance in the terminal are excluded.

The electronic wallet system according to the embodiment of the present invention temporarily stores one or more payment related card information selected from a payment related card list including a plurality of payment related card information transmitted from a service providing apparatus, A terminal for transmitting one or more settlement related card information temporarily stored; A service providing unit that transmits one or more contract information corresponding to one or more payment related card information to the terminal and requests issuance of one or more payment related cards corresponding to agreement agreement information transmitted from the terminal in response to the transmitted one or more contract information Device; And an affiliate server that issues one or more payment related cards corresponding to the agreement agreement information to the terminal in response to the issuance request for one or more payment related cards.

In the present invention, at the time of issuing one or more settlement related cards, the terminal stores one or more settlement related card information selected for issuance in a temporary storage, thereby executing an issuing procedure for each settlement related card in order to issue one or more settlement related cards It is possible to reduce the inconvenience and improve convenience of use.

In addition, according to the present invention, when a card issuance is selected for one or more settlement related card information stored in a temporary storage box, the acceptance procedure of one or more settlement related card information is performed collectively, And registers the card in the terminal, it is possible to quickly and easily carry out the issuing procedure for one or more settlement related cards and to improve the convenience of the user related to the settlement related card issuance.

1 is a block diagram showing a configuration of an electronic wallet system according to an embodiment of the present invention.
2 is a block diagram illustrating a configuration of an electronic wallet system according to an embodiment of the present invention.
3 is a block diagram illustrating a configuration of a terminal according to an embodiment of the present invention.
4A and 4B are a signal flow diagram illustrating a communication process of an electronic wallet system according to an embodiment of the present invention.
5 to 10 are views illustrating screens of a terminal according to an embodiment of the present invention.

It is noted that the technical terms used in the present invention are used only to describe specific embodiments and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be construed in a sense generally understood by a person having ordinary skill in the art to which the present invention belongs, unless otherwise defined in the present invention, and an overly comprehensive It should not be construed as a meaning or an overly reduced meaning. In addition, when a technical term used in the present invention is an erroneous technical term that does not accurately express the concept of the present invention, it should be understood that technical terms that can be understood by a person skilled in the art can be properly understood. In addition, the general terms used in the present invention should be interpreted according to a predefined or prior context, and should not be construed as being excessively reduced.

Furthermore, the singular expressions used in the present invention include plural expressions unless the context clearly indicates otherwise. In the present invention, terms such as "comprising" or "comprising" and the like should not be construed as encompassing various elements or stages of the invention, Or may further include additional components or steps.

Furthermore, terms including ordinals such as first, second, etc. used in the present invention can be used to describe components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or similar elements throughout the several views, and redundant description thereof will be omitted.

In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. It is to be noted that the accompanying drawings are only for the purpose of facilitating understanding of the present invention, and should not be construed as limiting the scope of the present invention with reference to the accompanying drawings.

1 is a block diagram showing a configuration of an electronic wallet system 10 according to an embodiment of the present invention.

1, the electronic wallet system 10 includes a terminal 11, a Web server 12, a WAS (Web Application Server) 13, a service providing device 14, an affiliate server 15, , And a DB server (Database Server) 16.

Not all of the components of the electronic wallet system 10 shown in Fig. 1 are essential components, and the electronic wallet system 10 may be embodied by more components than the components shown in Fig. 1, The electronic wallet system 10 may also be implemented by components.

The terminal (or user device) 11 is identified through unique identification information such as MDN (Mobile Directory Naming), Mobile IP, Mobile MAC, unique SIM card information, serial number, Lt; / RTI > At this time, the terminal 11 receives and stores payment related card information, coupon related information, gift certificate related information, and the like from the web server 12, and displays the corresponding information when executing a specific app or selecting a specific menu. At this time, the payment related card information may include an affiliate name, a card name, a card number, an expiration date, a benefit, an annual fee, and the like. In addition, the coupon related information may include an affiliate name, a coupon name, a coupon number, a benefit, a usage area, a usage period, a usage method, and the voucher related information includes an affiliate name, a voucher name, a voucher number, , Methods of use, and the like.

Also, the terminal 11 receives information related to a specific payment-related card, coupon, ticket, voucher, etc., selected by the user from the service providing apparatus 14 via the web server 12. [

The web server 12 confirms information stored in the DB server 16 through the WAS 13 in association with the terminal 11 based on the identification information transmitted from the terminal 11 and provides the information to the terminal 11 do.

When the issuance request for a payment related card, a coupon, a ticket, a voucher or the like is transmitted from the terminal 11 to the web server 12, the web server 12 transmits the request to the service providing apparatus 14 so that the service providing apparatus 14 (Or issuance) to the terminal 11 after receiving the related information from the affiliate server.

In this way, in response to the request of the terminal 11, the web server 12 acquires and provides the information stored in the DB server 16 via the WAS 13 or provides it to the affiliate server 15 to the terminal 11.

The Web application server (WAS) 13 (or the web application server) 13 transmits information stored in the DB server 16 to the web server 12 based on the identification information of the terminal 11 transmitted from the web server 12 And distributes the functions of the web server 12 to the terminal 11.

The service providing apparatus 14 may provide the terminal 11 with information according to the request of the terminal 11 based on the identification information of the terminal 11 transmitted from the web server 12, (15), and then provides it to the terminal (11).

For example, when receiving a request for issuance of a payment related card, a coupon, a ticket, a gift certificate, etc. from the terminal 11 via the web server 12, the service providing device 14 transmits the related information to the affiliate server And transmits it to the terminal (11).

That is, when the web server 12 receives the issuance request for the specific settlement related card from the terminal 11, the web server 12 transmits the issuance request together with the identification information of the terminal to the service providing apparatus 14. Thereafter, the service providing device 14 issues (or transmits) the corresponding settlement related card to the terminal 11 corresponding to the identification information, in response to the transmitted issuance request information for the corresponding settlement related card. At this time, the service providing apparatus 14 can receive (or transmit) the settlement related card from the affiliate server 15 to the terminal 11.

The partner server (or affiliate service apparatus) 15 is connected to the service providing apparatus 14 via a wired / wireless communication network. When a request for issuing a card related to the affiliate server 15 is transmitted from the service providing apparatus 14, And issues the related settlement related card to the terminal 11 through the service providing device 14. [

The DB server (database server) 16 is connected to the WAS 13 through a wired / wireless communication network and stores information corresponding to the identification information of the terminal 11 (for example, payment related card issuance information, / QR code / NFC tag / smart tag issuance information, bar code / QR code / NFC tag / smart tag usage information, point accumulation / usage information, coupon issuance / usage information, etc.).

The DB server 16 responds to the request of the web server 12 including the identification information of the specific terminal 11 and transmits information about the terminal 11 corresponding to the identification information to the web server 12 via the WAS 13, (12).

The electronic wallet system 10 may further include a coupon server (not shown) communicating with the service providing apparatus 14 or the affiliate server 15.

When there is a coupon issue request from the terminal 11, the web server 12 transmits the request to the service providing apparatus 14 after receiving the request from the terminal 11, and the service providing apparatus 14 transmits the coupon issue request (Or a coupon service device) and then issues the coupon directly to the terminal 11 or issues the coupon to the terminal 11 through the web server 12. At this time, the coupon server can provide (or issue) the coupon from the affiliate server 15.

In response to the coupon issue request of the web server 12, the coupon server generates a corresponding coupon corresponding to the coupon issue request (or receives the coupon provided from the affiliate server 15) And issue the coupon to the terminal 11 corresponding to the included identification information.

2 is a block diagram showing a configuration of an electronic wallet system 100 according to an embodiment of the present invention.

As shown in FIG. 2, the electronic wallet system 100 includes a terminal 110, a service providing apparatus 120, and an affiliate server 130. Not all of the components of the electronic wallet system 100 shown in Fig. 2 are essential components, and the electronic wallet system 100 may be embodied by more components than the components shown in Fig. 2, The electronic wallet system 100 may also be implemented by components.

When a specific application such as an electronic wallet (electronic wallet or digital wallet) application is executed, the terminal 110 displays an execution result screen. Thereafter, when a preset menu included in the execution result screen is selected, the terminal 110 displays the first screen corresponding to the selected menu. Then, when a preset membership menu is selected from the first screen, the terminal 110 displays a payment related card list including a plurality of payment related card information transmitted from the service providing apparatus 120. Thereafter, one or more pieces of payment-related card information selected from a plurality of payment-related cards included in the displayed payment-related card list are temporarily stored in the card issuing place menu in the first screen, and the card for one or more pieces of payment- When there is an issuance request, the terminal 110 transmits one or more payment related card information temporarily stored to the service providing apparatus 120. Then, the service providing apparatus 120 transmits one or more terms and conditions information corresponding to one or more settlement related card information to the terminal 110. The terminal 110 performs a procedure for agreeing to the terms of one or more terms and conditions. Thereafter, when the agreement agreement procedure is normally completed, the terminal 110 generates agreement agreement information and transmits the generated agreement agreement information to the service providing apparatus 120. [ The service providing apparatus 120 requests the affiliate server 130 to issue one or more settlement related cards corresponding to the agreement agreement information and transmits one or more settlement related cards transmitted from the affiliate server 130 to the terminal 110). Then, the terminal 110 registers one or more settlement related cards issued from the service providing apparatus 120.

3, the terminal 110 includes a communication unit 111, a storage unit 112, a display unit 113, and a control unit 114. Not all the components of the terminal 110 shown in Fig. 3 are essential components, and the terminal 110 may be implemented by more components than the components shown in Fig. 3, The terminal 110 may be implemented.

The communication unit 111 communicates with an internal component or at least one external terminal through a wired / wireless communication network. At this time, the external terminal may include the service providing apparatus 120, the affiliate server 130, and the like.

In addition, the communication unit 111 receives a payment related card list, contract information, and the like transmitted from the service providing apparatus 120.

The storage unit 112 stores a user interface (UI), a graphical user interface (GUI), and the like.

In addition, the storage unit 112 stores data and programs necessary for the terminal 110 to operate.

In addition, the storage unit 112 stores a list of settlement related cards received through the communication unit 111, contract information, and the like.

The display unit 113 can display contents such as a menu screen and the like using the user interface and the graphic user interface stored in the storage unit 112 under the control of the control unit 114. [ Here, the content displayed on the display unit 113 includes text or image data (including various information data) and a menu screen including data such as an icon, a list menu, and a combo box. Also, the display unit 113 may be a touch screen.

The control unit 114 executes the overall control function of the terminal 110. [

In addition, when a specific app such as an electronic wallet app installed in the terminal 110 is executed, the control unit 114 displays the execution result screen on the display unit 113. [ Here, the specific application execution result screen includes a wallet menu, an additional menu, an event / news menu, a more menu, and the like. At this time, the over-view menu includes an activity point menu, a household part menu, an integrated point inquiry menu, and a social network service (SNS) menu. At this time, the wallet menu is a menu for storing information such as payment related cards, coupons, tickets, gift certificates, etc. installed or registered in the terminal 110 through a specific application. In addition, the additional menu is a menu for newly issuing payment related cards, coupons, tickets, vouchers, etc. through a specific application. The event / news menu is a menu for confirming an event or announcement information transmitted from the service providing apparatus 120 or the like. Also, the activity point menu is a menu that provides a plurality of apps or related business information that can use an activity point associated with a plurality of preset apps and related activity points. In addition, the household block menu is a menu (or an app dedicated to a family member) that provides information such as the usage history of the card registered in the membership item of the in-wallet menu, the point use history, The integrated point inquiry menu is a menu showing point information of a card registered in the membership item of the in-wallet menu. In addition, the SNS menu is a menu related to a Facebook site linked to a specific app.

When a specific application is executed, the control unit 114 is identified through unique identification information such as a Mobile Directory Nember (MDN), a Mobile IP, a Mobile MAC, unique information of a SIM card, a serial number, And communicates with the device 120. At this time, the controller 114 transmits the identification information of the terminal 110 to the service providing apparatus 120 in the background state, the service providing apparatus 120 identifies the terminal 110 based on the identification information, .

When a predetermined menu (for example, additional menu) is selected from the specific application execution result screen displayed on the display unit 113, the control unit 114 displays the first screen corresponding to the selected preset menu on the display unit 113 Display. At this time, the first screen displayed on the display unit 113 includes at least one menu corresponding to a sub-menu of a preset menu. For example, the submenu includes a membership menu, a coupon menu, a billing menu, a direct registration menu, a card issuance menu (or a drafting menu), and the like. In addition, the first screen displayed on the display unit 113 may further include one or more payment related card information, one or more coupon related information, and one or more gift certificate related information transmitted from the service providing apparatus 120. Here, the payment related card information includes an image or a moving image of a card, an affiliate name, a card name, a card number, an expiration date, a benefit, an annual fee, barcode information / QR code information / NFC tag information / smart tag information . In addition, the coupon-related information includes an affiliate name, a coupon name, a coupon number, a benefit, a use place, a usage period, and a usage method. In addition, the information related to the voucher includes the name of the affiliate, the name of the voucher, the number of the voucher, the amount, the place of use, the period of use and how to use it. In addition, the card includes a credit card, a check card, a point card, a discount card, and the like in addition to the payment related card.

When a preset membership menu is selected from the first screen displayed on the display unit 113, the control unit 114 displays a plurality of payment-related card information transmitted from the service providing apparatus 120 received through the communication unit 111 Related payment card list (or payment-related card list) on the display unit 113. [

Also, the controller 114 generates a payment-related card information request signal for requesting payment-related card information and transmits the request-related card information request signal to the service providing apparatus 120 through the communication unit 111.

Also, the controller 114 receives the settlement related card list transmitted from the service providing apparatus 120 through the communication unit 111 in response to the transmitted settlement related card information request signal. Then, the control unit 114 displays the received payment related card list on the display unit 113. [ Here, the payment related card information already installed in the terminal 110 (or a specific application) may be excluded from a plurality of payment related card information included in the payment related card list.

The control unit 114 may receive a payment related card list automatically transmitted from the service providing apparatus 120 through the communication unit 111 after connection with the service providing apparatus 120 (or when a specific app is executed) .

As described above, the payment related card list may be transmitted from the service providing apparatus 120 to the terminal 110 at the request of the terminal 110, or may be automatically transmitted after connection from the service providing apparatus 120.

When one or more payment related card information (or payment related card) among a plurality of payment related cards included in the payment related card list displayed on the display unit 113 is selected, the control unit 114 displays the selected one or more payment related card information Temporarily stored in a preset menu (for example, a card issuing place menu from the first screen) (or temporarily stored in association with a preset menu).

As described above, the control unit 114 interlocks one or more payment related cards selected from a plurality of payment related cards included in the payment related card list displayed on the display unit 113 with the card issuing place menu, and temporarily stores the linked information do.

In addition, the control unit 114 may temporarily store the payment related card information selected in the detailed view screen of the specific payment related card displayed on the display unit 113 in the card issuing place menu. Here, the specific settlement related card may be a settlement related card selected from a plurality of settlement related cards included in the settlement related card list. At this time, the controller 114 temporarily stores the payment-related card information selected in the detailed view screen of the specific payment-related card in the card issuance menu, and then automatically returns to the previous screen or displays the received payment-related card list It is possible to return to the screen or display the card issuing place menu screen corresponding to the card issuing place menu.

When the card issuing place menu, which is another menu included in the first screen, is selected after the selection of the payment related card is completed, the control unit 114 displays one or more payment related card information temporarily stored corresponding to the card issuing place menu And displays the card issuance menu screen including the card issuance screen on the display unit 113.

When a predetermined button (for example, a card issue button) included in the card issuance menu screen on which one or more settlement related card information is displayed is selected, the control unit 114 transmits one or more payment related card information temporarily stored to the service To the providing apparatus 120. At this time, when there are a plurality of settlement related card information displayed on the card issuance menu screen of the display unit 113, the control unit 114 adjusts the order of the plurality of settlement related card information up / down. Then, the control unit 114 transmits a plurality of settlement related card information (or a plurality of settlement related cards whose orders have been adjusted) to the service providing apparatus 120. Here, the order may correspond to the order of settlement related cards issued to the terminal 110 in the future.

In addition, the control unit 114 may transmit to the service providing apparatus 120 some payment related card information selected from one or more payment related card information temporarily stored.

That is, the control unit 114 transmits some of the temporarily stored one or more pieces of payment related card information displayed on the display unit 113 to the service providing apparatus 120.

In this manner, the control unit 114 can transmit all or a part of the one or more payment related card information temporarily stored to the service providing apparatus 120.

In addition, one or more payment related card information temporarily stored in association with the card issuing place menu may be used when a specific app is terminated, when one or more payment related card information is transmitted to the service providing apparatus 120, (Or issuance of corresponding payment related card) is completed, the controller 114 can delete (or initialize) one or more payment related card information temporarily stored.

In addition, the control unit 114 receives one or more terms and conditions corresponding to one or more payment related card information transmitted from the service providing apparatus 120 through the communication unit 111 in response to the transmitted one or more settlement related card information .

In addition, the control unit 114 displays the received one or more terms and conditions on the display unit 113.

In addition, the control unit 114 performs a contract agreement process for one or more terms and conditions displayed on the display unit 113. [ Thereafter, when the agreement agreement procedure is normally completed, the control section 114 generates agreement agreement information for one or more settlement related cards. Here, the agreement agreement information includes information indicating agreement agreement for each of one or more settlement related card information.

That is, the control unit 114 performs the agreement agreement process for one or more terms and conditions displayed on the display unit 113, respectively. Thereafter, when all of the agreement processing procedures for one or more agreement information are completed, the control unit 114 generates agreement agreement information corresponding to one or more agreement information.

In addition, if the agreement agreement procedure is not normally completed, the control unit 114 maintains the current screen, displays alarm information, or ends the agreement agreement procedure and returns to the initial state.

The control unit 114 also transmits the generated agreement agreement information to the service providing apparatus 120 through the communication unit 111. [

In this manner, the control unit 114 performs a selection and agreement procedure for one or more settlement related cards to be issued through the service providing apparatus 120. [

In response to the transmitted agreement agreement information, the control unit 114 also transmits one or more settlement related cards issued from the service providing apparatus 120 to a predetermined menu (or category) of a specific app (or a specific application in execution) (Or issuance / storage) to the membership menu of the inside wallet menu. Then, the control unit 114 displays a registration status screen including one or more settlement related cards registered in the display unit 113. [

Further, after issuing a plurality of settlement related cards, the control unit 114, after connection with the service providing apparatus 120, interlocks between the service providing apparatus 120 and the affiliate server 130, The card may be registered and registered in a predetermined menu (or category) of a specific application that is being executed and issued.

The service providing apparatus 120 communicates with the terminal 110, the affiliate server 130, and the like. At this time, the service providing apparatus 120 includes a first communication unit (not shown), and can communicate with the terminal 110, the affiliate server 130, and the like through the first communication unit to transmit and receive information.

In addition, the service providing apparatus 120 receives the identification information of the terminal 110 transmitted from the terminal 110.

Also, the service providing apparatus 120 performs an authentication procedure (or a login procedure) for the terminal 110 based on the received identification information of the terminal 110. At this time, the service providing apparatus 120 includes a first controller (not shown), and can perform an authentication procedure function for the terminal 110 and a function performed by the service providing apparatus 120 through the first controller .

Also, the service providing apparatus 120 receives a payment related card information request signal transmitted from the terminal 110. [

In response to the received payment related card information request signal, the service providing apparatus 120 transmits a payment related card list (or a payment related card list) including a plurality of payment related card information to the terminal 110. Here, the payment related card information includes an image or a moving image of a card, an affiliate name, a card name, a card number, an expiration date, a benefit, an annual fee, barcode information / QR code information / NFC tag information / smart tag information . In addition, the card includes a credit card, a check card, a point card, a discount card, and the like in addition to the payment related card.

When the service providing apparatus 120 transmits the settlement related card list to the terminal 110, the service providing apparatus 120 may delete the settlement related card information already installed in the corresponding terminal 110 (or the specific app) corresponding to the identification information, Related card information in the payment-related card list, and transmits the payment-related card information to the terminal 110. [

When a predetermined menu included in a specific application executed in the terminal 110 is selected after a specific application installed in the terminal 110 is executed and connected to the terminal 110, Related card information including the payment-related card information of the payment-related card of the terminal 110. [

In addition, the service providing apparatus 120 receives one or more payment related card information transmitted from the terminal 110 in response to a plurality of transmitted contract information.

Also, the service providing apparatus 120 confirms one or more contract information corresponding to each of the received one or more settlement related card information, and transmits the identified one or more contract information to the terminal 110. At this time, the identified one or more terms and conditions information may be contract information previously stored in the service providing apparatus 120 in correspondence with the payment related card information, or after receiving one or more payment related card information transmitted from the terminal 110, Related card information corresponding to the payment related card information to each affiliate server 130 corresponding to the corresponding card in the affiliate server 120 in response to the request, Or the contract information provided to the service providing apparatus 120. [

Also, the service providing apparatus 120 receives the agreement agreement information transmitted from the terminal 110.

Also, the service providing apparatus 120 stores the received agreement agreement information together with the identification information corresponding to the agreement agreement information (or the identification information of the terminal 110 that transmitted the agreement agreement information).

In addition, the service providing apparatus 120 requests issuance of the corresponding payment related card corresponding to the agreement agreement information to the corresponding affiliate server 130 corresponding to one or more payment related card information related to the agreement agreement information.

That is, the service providing apparatus 120 transmits a corresponding payment related information corresponding to the agreement agreement information (or one or more settlement related card information that agrees with the agreement) to the corresponding affiliate server 130 corresponding to one or more payment related card information, Request issuance of card.

In response to the request for issuing one or more settlement related cards, the service providing apparatus 120 transmits one or more payment related cards respectively issued from the affiliate server 130 to the terminal 110 requesting issuance of one or more payment related cards Or issued).

In the exemplary embodiment of the present invention, a payment-related card issuing procedure to the terminal 110 is performed through the service providing apparatus 120. However, the present invention is not limited to this, The affiliate server 130 may communicate with the terminal 110 in response to the request and issue the corresponding payment related card directly from the affiliate server 130 to the terminal 110. [

In addition, the service providing apparatus 120 counts the number of issuance times per affiliated company issued to the terminal 110 and the number of issuance times per payment related card type.

The affiliate server (or affiliate service apparatus) 130 communicates with the terminal 110, the service providing apparatus 120, and the like. At this time, the affiliate server 130 and the service providing apparatus 120 can be interconnected through a gateway (not shown).

In addition, the affiliate server 130 receives a request for terms and conditions regarding the payment-related card transmitted from the service providing apparatus 120. [

In addition, the affiliate server 130 transmits to the service providing apparatus 120 the contract information corresponding to the settlement related card in response to the request for the settlement related card.

The affiliate server 130 also provides the service providing apparatus 120 with the settlement related card information for one or more settlement related cards managed by the affiliate server 130 and the contract information corresponding to the corresponding settlement related card send.

In addition, the affiliate server 130 performs an issuing procedure for the corresponding payment related card through the service providing apparatus 120 or the terminal 110 in response to the specific payment related card issuance request transmitted from the service providing apparatus 120 .

In addition, the affiliate server 130 responds to a specific settlement-related card issuance request transmitted from the service providing apparatus 120, and transmits an issuance process for the settlement related card through direct communication with the terminal 110 corresponding to the identification information .

In addition, the affiliate server 130 counts the number of issuance of each type of settlement-related card to be issued.

As described above, at the time of issuing one or more settlement related cards, the terminal may store at least one payment related card information selected for issuance in the temporary storage.

When the card issuance is selected for one or more settlement related card information stored in the temporary storage box, the procedure for accepting the terms and conditions of one or more settlement related card information is collectively performed, and then the corresponding one or more payment related cards are sequentially And can register with the terminal.

Hereinafter, a control method of the electronic wallet system according to the present invention will be described in detail with reference to FIGS. 1 to 10. FIG.

4A and 4B are a signal flow diagram illustrating a communication process of an electronic wallet system according to an embodiment of the present invention.

First, when a specific application such as an electronic wallet or a digital wallet installed in the terminal 110 is executed, the terminal 110 displays the execution result screen on the display unit 113, 120 and a wired / wireless communication network.

For example, when the pre-installed electronic wallet app is executed, the terminal 110 displays an electronic wallet app execution result screen 510 on the display unit 113 as shown in Fig. Here, the electronic wallet app execution result screen 510 includes an in-wallet menu (or category) 511, an additional menu 512, an event / news menu 513, a more menu 514, and the like. At this time, the more menu includes an activity point menu, a household part menu, an integrated point inquiry menu, and a social network service (SNS) menu (S410).

When a preset menu (for example, an additional menu) is selected (or touched) from the execution result screen displayed on the display unit 113, the terminal 110 displays the first screen corresponding to the selected preset menu. At this time, the first screen displayed on the terminal 110 includes a membership menu, a coupon menu, a billing menu, a direct registration menu, a card issuance menu (or a draft box menu) corresponding to a submenu . In addition, the first screen displayed on the terminal 110 may further include payment related card information, coupon related information, and voucher related information transmitted from the service providing apparatus 120.

6, when the additional menu 512 is selected from the electronic wallet application execution result screen 510 displayed on the terminal 110 shown in FIG. 5, the terminal 110 displays an additional menu An additional menu screen 610 corresponding to the menu screen 512 is displayed. 6, the additional menu screen 610 includes a membership menu 611, a coupon menu 612, a billing menu 613, a direct registration menu 614, a card issuing place menu 615, and the like Menu. The additional menu screen 610 further includes payment related card information 616, coupon related information 617, and voucher related information 618 transmitted from the service providing apparatus 120 (S420).

Then, when the membership menu is selected from the displayed first screen, the terminal 110 displays a payment related card list (or a payment related card list) including a plurality of payment related card information transmitted from the service providing apparatus 120 do. Here, the payment related card information includes an image or a moving image of a card, an affiliate name, a card name, a card number, an expiration date, a benefit, an annual fee, barcode information / QR code information / NFC tag information / smart tag information . In addition, the card includes a credit card, a check card, a point card, a discount card, and the like in addition to the payment related card.

For example, as shown in FIG. 7, the terminal 110 displays the received payment related card list 710. At this time, the plurality of settlement related card information 720 included in the settlement related card list 710 includes a card image (for example, a credit card image and a discount card image) 721, an affiliate name (for example, A card name) 722, a card name (for example, a credit card and a discount card) 723, a bar code 724, a card issuance check box 725, and the like (S430).

Then, the terminal 110 temporarily stores one or more payment related card information (or payment related card) selected from among a plurality of payment related cards included in the displayed payment related card list in the card issuing place menu in the first screen. That is, the terminal 110 interlocks the selected one or more settlement related card information with the card issuing place menu, and temporarily stores the interlocked information.

In this manner, the terminal 110 can temporarily store one or more payment related card information selected from the displayed payment related card list in the card issuing place menu.

In addition, the terminal 110 may temporarily store the corresponding payment related card information selected in the detailed view screen of the specific payment related card in the card issuing place menu. Here, the specific settlement related card may be a settlement related card selected from a plurality of settlement related cards included in the settlement related card list. At this time, the terminal 110 temporarily stores the corresponding payment related card information selected in the detailed view screen of the specific payment related card in the card issuing place menu, and then automatically returns to the previous screen or displays the received payment related card list Or the card issuing place menu screen corresponding to the card issuing place menu can be displayed.

For example, a card issue check box 725 for a payment related card (for example, a credit card and a discount card) among a plurality of payment related card information 720 included in the payment related card list 710 shown in FIG. The terminal 110 temporarily stores the checked credit card information and the discount card information in the card issuing place menu 615 included in the additional menu screen 610. [

8, a card issuance check box 810 is checked in a detail view screen for a credit card selected from among a plurality of settlement related card information 720 included in the settlement related card list 710. In other words, The terminal 110 temporarily stores the checked credit card information (or credit card) in the card issuing place menu 615 included in the additional menu screen 610 (S440).

When the card issuing place menu, which is another menu included in the first screen, is selected after the selection of the payment related card for which issuance is desired to be issued, the terminal 110 displays a menu corresponding to the card issuing place menu (or corresponding to the card issuing place menu And displays the card issuing place menu screen including one or more settlement related card information temporarily stored.

For example, when the card issuing place menu 615 of the additional menu screen 610 shown in Fig. 6 is selected, as shown in Fig. 9, the terminal 110 stores the card issuing place menu 615 temporarily stored in the card issuing place menu 615 The card issuing place menu screen 910 including the credit card information and the discount card information is displayed (S450).

Then, when a predetermined button (for example, a card issuing button) included in the card issuance menu screen on which one or more payment related card information temporarily stored is displayed is selected, the terminal 110 stores one or more payment related card information To the service providing apparatus (120). At this time, when there are a plurality of settlement related card information displayed on the card issuance terminal menu screen of the terminal 110, the terminal 110 transmits a plurality of settlement related card information to the terminal 110, Up / down according to the user's selection. Then, the terminal 110 transmits a plurality of payment-related card information whose order has been adjusted to the service providing apparatus 120.

For example, when the card issue button 911 included in the card issuance menu screen 910 including the temporarily stored credit card information and the discount card information shown in FIG. 9 is selected, the terminal 110 issues a card And transmits the credit card information and the discount card information temporarily stored in the submenu 615 to the service providing apparatus 120 (S460).

Thereafter, the service providing apparatus 120 receives one or more settlement related card information transmitted from the terminal 110.

Also, the service providing apparatus 120 confirms one or more contract information corresponding to each of the received one or more settlement related card information, and transmits the identified one or more contract information to the terminal 110. At this time, the confirmed one or more terms and conditions may be the condition information stored in advance in the service providing apparatus 120 in correspondence with the payment related card information. In addition, the identified one or more terms and conditions may be contract information transmitted from the affiliate server 130 corresponding to one or more payment related card information. That is, after the service providing apparatus 120 receives one or more settlement related card information transmitted from the terminal 110, the service providing apparatus 120 transmits the settlement related card information to each affiliate server 130 corresponding to the settlement related card information Related card information corresponding to the settlement-related card information in response to the request, and the contract information corresponding to the settlement-related card information provided to the service providing apparatus 120 by the affiliate server 130 in response to the request have.

For example, the service providing apparatus 120 transmits credit card contract information and discount card contract information corresponding to the received credit card information and discount card information, respectively, to the terminal 110 (S470).

Then, the terminal 110 receives one or more terms and conditions corresponding to one or more payment related card information transmitted from the service providing apparatus 120, respectively.

In addition, the terminal 110 displays the received one or more terms and conditions.

For example, the terminal 110 displays credit card contract information and discount card contract information transmitted from the service providing apparatus 120 (S480).

Then, the terminal 110 performs a contract agreement process for one or more displayed contract information. Then, when the agreement agreement procedure is normally completed, the terminal 110 generates agreement agreement information corresponding to one or more agreement information (or corresponding to one or more settlement-related card information). Here, the agreement agreement information includes information indicating agreement agreement for each of one or more settlement related card information.

For example, when the contract agreement process for the credit card agreement information and the discount card agreement information is normally completed, the terminal 110 generates agreement agreement information including consent of the credit card agreement information and agreement of the discount card agreement information (S490).

Then, the terminal 110 transmits the created agreement agreement information to the service providing apparatus 120 (S500).

Thereafter, the service providing apparatus 120 receives the agreement agreement information transmitted from the terminal 110.

In addition, the service providing apparatus 120 requests the affiliate server 130 to issue one or more settlement related cards corresponding to the received agreement agreement information.

For example, the service providing apparatus 120 may include a corresponding affiliate server 130 corresponding to a plurality of payment related card information (including credit card information, discount card information, etc.) (E.g., a credit card company and a discount card company corresponding to the discount card information) corresponding to the agreement agreement information (e.g., a credit card and a discount card) corresponding to the agreement agreement information (S510).

Then, the affiliate server 130 issues a corresponding payment-related card corresponding to the agreement to the service providing apparatus 120 in response to the issuance request for the corresponding payment-related card corresponding to the agreement agreement information from the service providing apparatus 120 (Or provide).

For example, a credit card company (or a credit card company server) that is an affiliate server 130 corresponding to a credit card issues the credit card to the service providing apparatus 120, and the discount card company 130, which is the affiliate server 130 corresponding to the discount card, (Or the discount card company server) issues the discount card to the service providing apparatus 120, respectively.

In addition, the affiliate server 130 counts the number of cards issued by the card type of the payment-related card to be issued (S520).

Then, the service providing apparatus 120 issues one or more settlement related cards transmitted from each affiliate server 130 to the terminal 110 in response to the issuance request of the corresponding settlement related card corresponding to the agreement agreement information.

For example, the service providing apparatus 120 may receive, from the credit card company and the discount card company, each of the affiliate servers 130 in response to a request for issuance of a corresponding payment related card (for example, a credit card and a discount card) And issues the issued credit card and the discount card to the terminal 110.

In addition, the service providing apparatus 120 counts the number of issued issuance per affiliated partner server and the issuance number per issuance related card type (S530).

Then, the terminal 110 transmits one or more settlement related cards issued from the service providing apparatus 120 to another preset menu of a specific app installed in (or running) the terminal 110 (for example, (Or stored). Then, the terminal 110 displays a registration status screen including at least one registered payment related card.

For example, the terminal 110 receives a plurality of settlement related cards (for example, a credit card and a discount card) issued from the service providing apparatus 120, . Then, as shown in FIG. 10, the terminal 110 displays a registration status screen 1010 including the registered credit card and the discount card (S540).

The control method of the terminal according to the embodiment of the present invention can be written in a computer program, and the codes and code segments constituting the computer program can be easily deduced by a computer programmer in the field. In addition, the computer program is stored in a computer readable medium, readable and executed by a computer, a terminal, a service providing apparatus, an affiliate server, etc. according to an embodiment of the present invention, Can be implemented.

The information storage medium includes a magnetic recording medium, an optical recording medium, and a carrier wave medium. A computer program for implementing the method of controlling a terminal according to an embodiment of the present invention can be stored and installed in a built-in memory such as a terminal, a service providing device, and an affiliate server. Alternatively, an external memory such as a smart card storing and installing a computer program for implementing a control method of a terminal according to an embodiment of the present invention may be installed in a terminal, a service providing apparatus, an affiliate server, or the like through an interface.

As described above, according to the embodiment of the present invention, at the time of issuing one or more settlement related cards, the terminal stores one or more payment related card information selected for issuance in the temporary storage, The convenience of use can be improved by reducing the trouble of issuing the payment related card.

As described above, in the embodiment of the present invention, when the card issuance is selected for one or more settlement related card information stored in the temporary storage box, the acceptance procedure for one or more payment related card information is collectively performed, The corresponding one or more settlement related cards are sequentially issued and registered in the terminal so that the issuing procedure for a plurality of settlement related cards can be quickly and easily performed and the convenience of the user related to the settlement related card issuance can be improved.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or essential characteristics thereof. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

In the present invention, at the time of issuing a plurality of settlement related cards, the terminal stores at least one payment related card information selected for issuance in a temporary storage, and when issuing a card for one or more payment related card information temporarily stored, After completing the agreement process for the information at one time, the corresponding one or more settlement related cards are sequentially issued and registered in the terminal, so that an issuing procedure for the individual settlement related cards is executed in order to issue a plurality of settlement related cards It can be widely used in electronic commerce field, marketing field, financial field, and the like.

10: Electronic wallet system 11, 110: Terminal
12: Web server 13: WAS
14: Service providing device 15, 130: Affiliate server
16: DB server 100: Electronic wallet system
120: service providing device 111:
112: storage unit 113: display unit
114:

Claims (15)

A communication unit for communicating with the outside when a specific application installed in advance is executed;
A display unit for displaying a specific application execution result screen; And
Related card list including a plurality of payment-related card information transmitted from the service providing apparatus, when receiving a preset menu from the specific application execution result screen, And a controller for temporarily storing at least one payment related card information selected from the displayed payment related card list in another menu preset in the specific application execution result screen. The method according to claim 1,
The settlement-related card information includes at least one of an image or a video related to a settlement related card, an affiliate name, a card name, a card number, an expiration date, a benefit, an annual fee, barcode information linked with a settlement related card, QR code information, NFC tag information, And information about the terminal. The method according to claim 1,
The control unit interlocks the settlement related card information selected on the detailed view screen of the specific settlement related card selected from the settlement related card list displayed on the display unit with the other menu and temporarily stores the interlinked settlement related card information . The method according to claim 1,
Wherein the control unit controls the display unit to display one or more payment related card information temporarily stored in association with the selected other menu when the other menu is selected from the specific application execution result screen, And transmits the temporarily stored one or more pieces of payment related card information to the service providing apparatus through the communication unit when selected. 5. The method of claim 4,
Wherein the control unit receives one or more terms and conditions corresponding to one or more settlement related card information transmitted from the service providing apparatus in response to the transmitted one or more settlement related card information through the communication unit, The control unit controls the display unit so as to display the image. 6. The method of claim 5,
Wherein the control unit generates agreement agreement information after completing a condition agreement process for the at least one condition information displayed on the display unit, transmits the generated agreement agreement information to the service providing apparatus through the communication unit, And registers at least one settlement related card issued from the service providing apparatus in another preset menu of the specific application in response to the agreement information. A communication unit for communicating with the terminal; And
Related card information including at least one payment related card information to the terminal through the communication unit and transmits to the terminal at least one contract information corresponding to at least one payment related card information transmitted from the terminal, And a controller for receiving agreement agreement information transmitted from the terminal in response to the transmitted one or more agreement information. 8. The method of claim 7,
The control unit requests the issuance of a settlement related card corresponding to the agreement agreement information to the affiliate server corresponding to at least one settlement related card information corresponding to the received agreement agreement information, And issues a settlement related card issued from the affiliate server to the terminal. Receiving a payment related card list including a plurality of payment related card information transmitted from a service providing apparatus through a communication unit when a preset menu is selected from a specific application execution result screen;
Displaying the received payment related card list through a display unit;
Associating one or more pieces of payment-related card information selected from the displayed payment-related card list with the controller through a control unit;
Controlling the display unit to display the temporarily stored at least one payment related card information when the other menu is selected from the specific application execution result screen through the controller;
Transmitting, by the communication unit, the at least one payment related card information temporarily stored to the service providing apparatus when a preset button is selected through the control unit;
Receiving, by the communication unit, one or more contract information corresponding to one or more settlement related card information transmitted from the service providing apparatus in response to the transmitted one or more payment related card information through the control unit; And
And displaying the received one or more terms and conditions information through the display unit. 10. The method of claim 9,
The step of receiving the payment related card list comprises:
Communicating with the service providing apparatus through the communication unit when a specific application installed in advance is executed;
Controlling the display unit to display the specific application execution result screen including the in-wallet menu, the additional menu, the event / news menu, and the overflow menu corresponding to the specific application via the control unit;
When the additional menu is selected from the displayed specific application execution result screen, the display unit displays the additional menu screen including the membership menu, the coupon menu, the billing menu, the direct registration menu, and the card issuance menu, ;
Receiving, by the communication unit, the payment related card list transmitted from the service providing apparatus when the membership menu corresponding to the preset menu is selected from the additional menu screen through the control unit; And
And controlling the display unit to display the received payment related card list through the controller. 10. The method of claim 9,
Generating agreement agreement information after performing the agreement agreement process for the one or more agreement information through the control unit;
Transmitting the generated agreement agreement information to the service providing apparatus through the communication unit; And
And registering at least one settlement related card issued from the service providing device in another menu of a specific application in response to the transmitted agreement agreement information through the controller. Way. The recording medium according to any one of claims 9 to 11, wherein a computer program for performing a control method of a terminal is recorded. Transmitting a payment related card list including a plurality of payment related card information to the terminal after connection with the terminal through the communication unit;
Receiving at least one payment related card information selected from the transmitted payment related card list transmitted from the terminal through the communication unit;
Transmitting, by the communication unit, one or more terms and conditions information corresponding to the received one or more payment related card information to the terminal through the control unit;
Receiving agreement agreement information on the transmitted one or more terms and conditions information transmitted from the terminal through the communication unit;
Requesting issuance of a settlement related card corresponding to the agreement agreement information to an affiliate server corresponding to at least one payment related card information corresponding to the received agreement agreement information through the control unit; And
And issuing a payment related card issued from the affiliate server in response to the settlement related card issuance request to the specific application installed in the terminal. 14. The method of claim 13,
Wherein the plurality of settlement related card information is a state in which the settlement related card installed in advance in the terminal is excluded. Related card information selected from a payment-related card list including a plurality of payment-related card information transmitted from a service providing apparatus when a specific application installed in advance is executed, and stores at least one payment-related card information ;
Related card information corresponding to the one or more settlement related card information to the terminal, and issuing one or more payment related cards corresponding to the agreement agreement information transmitted from the terminal in response to the transmitted one or more contract information The service providing apparatus requesting the service providing apparatus; And
And an affiliate server for issuing one or more payment related cards corresponding to the agreement agreement information to the terminal in response to the issuance request for the one or more payment related cards.

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