KR20150033046A - A terminal for providing card information and methods for operating thereof - Google Patents

Abstract

According to an embodiment of the present invention, a method for providing card information in a terminal comprises the steps of: receiving payment information; displaying a card information interface including the payment information and a plurality of card items previously registered in response to reception of the payment information; transmitting the payment information to a relay server; receiving benefit information corresponding to the payment information from the relay server; and controlling the card information interface based on the received benefit information.

Description

TECHNICAL FIELD [0001] The present invention relates to a terminal providing card information and a method of operating the same,

The present invention relates to a terminal providing card information and a method of operating the same, and more particularly, to a terminal capable of providing a natural interface operation and improving user convenience, and an operation method thereof.

A terminal can be divided into a mobile terminal (mobile / portable terminal) and a stationary terminal according to whether the terminal can be moved. The mobile terminal can be divided into a handheld terminal and a vehicle mount terminal according to whether the user can directly carry the mobile terminal.

Such a terminal has various functions, for example, in the form of a multimedia device having multiple functions such as photographing and photographing of a moving picture, reproduction of a music or video file, reception of a game and broadcasting, etc. .

In order to utilize and increase the functions of such terminals, introduction of software functions using the configuration of the terminals is being actively promoted.

In particular, mobile payment technology using terminals is currently being commercialized, and the mobile payment market related thereto is also growing rapidly.

Mobile payment has been activated by its ease of use and portability. For such mobile payment, smart card technology, which is a technology for issuing cards on-line, has been developed and is being applied to various fields such as electronic commerce such as online shopping malls, traffic, and vending machines.

Particularly, in the current mobile payment method, an online card or an online code for payment is preceded, and a settlement using the same is performed.

However, such a scheme is complicated and inconvenient when a plurality of cards are issued and used.

Currently, there are a lot of card companies that provide card payment services. As the variety of payment methods such as credit cards, check cards, debit cards, cash cards, gift cards, point cards, etc., exist.

However, it is difficult for a user to select a desired card from among various cards registered in the mobile terminal, and it is troublesome to search every time when necessary, without knowing benefits such as real-time discount and accumulation. In addition, when the actual purchase proceeds, the user has difficulty in determining what card has the desired benefit reflected.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a terminal and an operation method thereof that can register various cards and effectively use the same.

It is another object of the present invention to provide a terminal and an operation method thereof that can easily select a card in which a benefit actually required by a user is reflected.

It is another object of the present invention to provide a server device, a terminal, and an operation method thereof that provide an interface that allows a user to easily select a necessary card in accordance with a user's use history.

According to another aspect of the present invention, there is provided a card information providing method for a terminal, the method comprising: receiving payment information; Displaying a card information interface including the payment information and a plurality of card items registered in advance in response to the payment information reception; Transmitting the obtained payment information to a relay server; Receiving benefit information corresponding to the payment information from the relay server; And controlling the card information interface based on the received benefit information.

According to another aspect of the present invention, there is provided a terminal for providing card information, the terminal for receiving the payment information, transmitting the obtained payment information to the relay server, A communication unit for receiving benefit information corresponding to the benefit information; A display unit displaying a card information interface including the payment information and a plurality of card items registered in advance in response to the payment information reception; And a controller for controlling the card information interface based on the received benefit information.

According to an aspect of the present invention, there is provided a method for providing card information of a server device, comprising: registering a user account; Registering a plurality of card information corresponding to the user account; Collecting card settlement information received from a terminal corresponding to the user account; Determining a main card among the plurality of cards based on the collected card settlement information; And transmitting information associated with the determined primary card to the terminal in response to the request of the terminal.

According to another aspect of the present invention, there is provided a server apparatus for providing card information, the server apparatus comprising: a user management unit for registering a user account; A card information management unit for registering a plurality of pieces of card information corresponding to the user account; A payment information collection unit for collecting card payment information received from a terminal corresponding to the user account; A controller for determining a main card among the plurality of cards based on the collected card settlement information; And a communication unit for transmitting the information associated with the determined main card to the terminal in response to the request of the terminal.

According to another aspect of the present invention, there is provided a terminal for providing card information, the terminal comprising: a user input unit for receiving user information; A control unit for acquiring card information from at least one physical card; And a communication unit for transmitting at least one of the user information, the card information, and payment information, and receiving main card related information determined based on the transmitted payment information, wherein the control unit receives the received main card related information And a display unit for displaying the generated card information interface.

According to an embodiment of the present invention, it is possible to effectively provide benefit information for a plurality of registered cards.

Further, according to the embodiment of the present invention, a card information interface is provided which allows a user to easily select a necessary card, thereby improving user convenience.

According to the embodiment of the present invention, the convenience of the card settlement using the terminal can be improved by receiving the benefit information corresponding to the settlement information and controlling the card information interface including a plurality of card items using the benefit information .

1 is a block diagram schematically illustrating a payment system according to an embodiment of the present invention.
2 is a block diagram illustrating a terminal according to an embodiment of the present invention.
3 is a block diagram for explaining the relay server and the card company server according to an embodiment of the present invention in more detail.
4 is a flowchart illustrating a card registration process according to an embodiment of the present invention.
5 is a flowchart illustrating a settlement process according to an embodiment of the present invention.
6 is a flowchart illustrating a method of operating a benefit information related terminal according to an exemplary embodiment of the present invention.
7 to 9 are views for explaining a card information interface controlled based on benefit information according to an embodiment of the present invention.
10 to 11 are flowcharts for explaining main card related operations of the server apparatus according to the embodiment of the present invention.
12 to 14 are diagrams for explaining a card information interface controlled according to a main card setting 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 memory. 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.

FIG. 1 is a schematic view of an entire payment system including a terminal and a relay server according to an embodiment of the present invention. Referring to FIG.

A system for providing card information according to an embodiment of the present invention includes a terminal 100, a relay server 200, and a plurality of card issuer servers 300. [

The terminal 100 may be connected to the relay server 200 via a network and may perform mutual communication. According to an embodiment of the present invention, the terminal 100 can provide a card information interface that can improve the convenience of on-line registration and use of a user's offline card. Through the card information interface, the user can intuitively recognize the registered card, and can conveniently use the card regardless of the card type or card type. In addition, the registration cards displayed on the card information interface may correspond to card items, and may be converted and reordered according to the main card association information according to the embodiment of the present invention and the benefit information applied to each card item .

For example, the terminal 100 may receive purchase information from a user input or from outside, and may display a card information interface including the purchase information and a plurality of card items registered in advance in response to the purchase information reception have. The terminal 100 transmits the obtained payment information to the relay server 200, receives benefit information corresponding to the purchase information from the relay server 200, It is possible to control the card information interface.

The relay server 200 may be connected to the terminal 100 and the plurality of card issuer servers 300 via a network and may store installation data of the card information application between the terminal 100 and the plurality of card issuer servers 300, The transmission can be relayed. Then, the relay server 200 can create, update and manage the registration card database for each user based on the card information transmitted from the terminal 100. [

The relay server 200 may be connected to the terminal 100 and the plurality of card issuer servers 300 via a network and may store installation data of the card information application between the terminal 100 and the plurality of card issuer servers 300, The transmission can be relayed. Then, the relay server 200 can create, update and manage the registration card database for each user based on the card information transmitted from the terminal 100. [

Also, the relay server 200 registers a user account according to the user information received from the terminal 100, registers a plurality of card information corresponding to the user account, And the information related to the determined main card may be transmitted to the terminal 100 in response to the request of the terminal 100. [ have.

The plurality of card issuer servers 300 can approve and manage issuance of the physical card and the mobile card. Also, it is possible to store and manage the background image according to the card type according to the issued card. The plurality of card issuer servers 300 may perform image transmission according to the card information received through the relay server 200, perform settlement processing according to the settlement information, and transmit the result to the relay server 200 .

The network may be a local area network (LAN), a wide area network (WAN), a value added network (VAN), a personal area network (PAN), a mobile radiocommunication network, or satellite communication network, or the like.

Although the relay server 200 and the card issuer server 300 are illustrated as being independent from each other in the drawing, the relay server 200 may be included in the card issuer server 300 or the relay server 200 may include the card issuer server 300 You may.

Meanwhile, the physical card described in the embodiment of the present invention may mean a plastic card issued through off-line. In the real card, the PIN number and credit information can be encrypted and stored in the IC chip. In addition, the physical card may be a short distance communication system such as Bluetooth, Radio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), ZigBee, DLNA Alliance) and NFC (Near Field Communications).

FIG. 2 is a block diagram for explaining the portable terminal 100 according to an embodiment of the present invention in more detail.

In an embodiment of the present invention, the terminal 100 may be a device capable of interacting with a user, such as a computer, a portable terminal, or a television, which can be connected to a remote server through a network or connected to other terminals and servers. Here, the computer includes, for example, a notebook computer, a desktop computer, a laptop computer, and the like, each of which is equipped with a web browser (WEB Browser), and the portable terminal may be a wireless communication device , Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) Handheld based wireless communication devices such as W-CDMA (Code Division Multiple Access) -2000, W-CDMA (W-CDMA), Wibro (Wireless Broadband Internet) terminals, can do. In addition, the television may include an Internet Protocol Television (IPTV), an Internet television (TV), a terrestrial TV, a cable TV, and the like.

The terminal 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 memory 160, 170, a control unit 180, a power supply unit 190, and the like. The components shown in Fig. 2 are not essential, so that a terminal 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 100 and the wireless communication system or between the terminal 100 and the network in which the terminal 100 is located. For example, the wireless communication unit 110 may include a broadcast receiving module 111, a mobile communication module 112, a wireless Internet module 113, a short range communication module 114, and a location information module 115 .

The broadcast receiving module 111 receives 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 memory 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 built in or externally attached to the terminal 100. 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, and a representative example thereof is a Global Position System (GPS) module.

In addition, for example, the wireless communication unit 110 can receive the card image, benefit information, or settlement related information from the relay server 200. [ The wireless communication unit 110 may transmit the terminal information, the user information, the card information, or the payment related information to the relay server 200.

Referring to FIG. 2, 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 memory 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, or the like, and processes it as electrical voice data. The processed voice data can be converted into a form that can be transmitted to the mobile communication base station through the mobile communication module 112 when the voice data is in the call mode, and output. Various noise reduction algorithms may be implemented in the microphone 122 to remove noise generated in receiving an external sound signal.

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 100 such as the open / close state of the terminal 100, the position of the terminal 100, the presence of the user, the orientation of the terminal, And generates a sensing signal for controlling the operation of the sensor. For example, when the terminal 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 100. For example, when the terminal is in the call mode, a UI (User Interface) or GUI (Graphic User Interface) associated with the call is displayed. When the terminal 100 is in the video communication mode or the photographing mode, the photographed and / or received video or UI and GUI are displayed. If the terminal 100 is in a locked state, a lock screen is displayed. The product information interface according to the embodiment of the present invention may be displayed on the lock screen.

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.

Some of these displays may be transparent or light transmissive so that they can be seen through. This can be referred to as a transparent display, and a typical example of the transparent display is TOLED (Transparent OLED) and the like. The rear structure of the display unit 151 may also be of a light transmission type. With this structure, the user can see an object located behind the terminal body through the area occupied by the display unit 151 of the terminal body.

There may be two or more display units 151 according to the embodiment of the terminal 100. For example, in the terminal 100, a plurality of display portions may be spaced apart from one another or may be disposed integrally with each other, or may be disposed on different surfaces.

(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.

Referring to FIG. 2, a proximity sensor 141 may be disposed in an inner region of a terminal or a proximity of the touch screen, which is enclosed by the touch screen. The proximity sensor 141 refers to a sensor that detects the presence of an object approaching a predetermined detection surface or an object existing in the vicinity of the detection surface without mechanical contact using an electromagnetic force or an infrared ray. The proximity sensor 141 has a longer life than the contact type sensor and its utilization is also high.

Examples of the proximity sensor 141 include a transmission type photoelectric sensor, a direct reflection type photoelectric sensor, a mirror reflection type photoelectric sensor, a high frequency oscillation type proximity sensor, a capacitive proximity sensor, a magnetic proximity sensor, and an infrared proximity sensor. And to detect the proximity of the pointer by the change of the electric field along the proximity of the pointer when the touch screen is electrostatic. In this case, the touch screen (touch sensor) may be classified as a proximity sensor.

Hereinafter, for convenience of explanation, the act of recognizing that the pointer is positioned on the touch screen while the pointer is not in contact with the touch screen is referred to as "proximity touch & The act of actually touching the pointer on the screen is called "contact touch. &Quot; The position where the pointer is proximately touched on the touch screen means a position where the pointer is vertically corresponding to the touch screen when the pointer is touched.

The proximity sensor detects a proximity touch and a proximity touch pattern (e.g., a proximity touch distance, a proximity touch direction, a proximity touch speed, a proximity touch time, a proximity touch position, a proximity touch movement state, and the like). Information corresponding to the detected proximity touch operation and the proximity touch pattern may be output on the touch screen.

The audio output module 152 may output audio data received from the wireless communication unit 110 or stored in the memory 160 in a call signal reception mode, a call mode or a recording mode, a voice recognition mode, a broadcast reception mode, The sound output module 152 also outputs sound signals related to functions (e.g., call signal reception sound, message reception sound, etc.) performed in the terminal 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 100. Examples of events that occur in a terminal 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.

In addition to the vibration, the haptic module 154 may include a pin arrangement vertically moving with respect to the contact skin surface, a spraying force or suction force of the air through the injection port or the suction port, a touch on the skin surface, contact with an electrode, And various tactile effects such as an effect of reproducing a cold sensation using an endothermic or exothermic element can be generated.

The haptic module 154 can be implemented not only to transmit the tactile effect through the direct contact but also to allow the user to feel the tactile effect through the muscular sensation of the finger or arm. The haptic module 154 may include two or more haptic modules 154 according to the configuration of the portable terminal 100.

The memory 160 may store a program for the operation of the controller 180 and temporarily store input / output data (e.g., a message, a still image, a moving picture, etc.). The memory 160 may store data on vibration and sound of various patterns outputted when a touch is input on the touch screen.

The memory 160 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or XD memory), a RAM (Random Access Memory), SRAM (Static Random Access Memory), ROM (Read Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), PROM A disk, and / or an optical disk. The terminal 100 may operate in association with a web storage that performs a storage function of the memory 160 on the Internet.

Also, although not shown, the memory 160 in the embodiment of the present invention may include an application storage unit and a card information storage unit. The application storage unit may receive and store the card information application or installation data received through the relay server 200. The card information application may include execution information for executing the card information interface described in the embodiment of the present invention . On the other hand, the card information storage unit can store, manage, and update the registration card information received from the relay server 300. Details of this will be described later.

The interface unit 170 serves as a path to all external devices physically connected to the terminal 100. The interface unit 170 receives data from an external device or supplies power to each component in the terminal 100 or transmits data to the external device. For example, a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, a port for connecting a device having an identification module, an audio I / O port, 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 100 and includes a user identification module (UIM), a subscriber identity module (SIM), a universal user authentication module A 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 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 terminal 100, or various command signals input from the cradle by the user may be transmitted to the mobile terminal It can be a passage to be transmitted. 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. 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 control unit 180 may execute the card information application based on a user input input from the user input unit 130 or a push message received through the wireless communication unit 110. [

In response to the execution of the card information application, the control unit 180 transmits the terminal information and the user information to the relay server 200, receives and stores the registration card information corresponding thereto, (151).

When the card information corresponding to the physical card is acquired according to the user input to the card information interface, the control unit 180 can transmit the acquired card information to the relay server 200. [ The control unit 180 can receive the card image and the benefit information from the first card issuer server 300 identified based on a part of the card number through the relay server 200. [

In addition, the control unit 180 can control the card information interface based on the acquired card information, the received card image, and the benefit information. The control unit 180 may output the control result through the display unit 151. For example, the control unit 180 can generate a card item using the card information corresponding to the physical card, the card image, and the benefit information, and display the card item on the card information interface. The card item may be plural.

In addition, when the payment information is received through the communication unit 110 or the user input unit 130, the control unit 180 applies the benefit information to the plurality of card items using the payment information, Can be controlled.

In addition, when main card association information is received through the communication unit 110, the controller 180 may apply the main card association information to a plurality of card items, and control the card information interface based on the main card association information.

In addition, the controller 180 may communicate with the physical card using NFC (Near Field Communications) during short-range wireless communication, for example, and obtain the above-described card information. The control unit 180 can detect the contact of the physical card using the short range wireless communication of the wireless communication unit 110 and can read the applet stored in the memory. At this time, the physical layer of the physical card can use the ISO / IEC 14443 communication method via RF.

This is an extension of the existing RFID technology. It uses the frequency band of 13.56MHz to provide high-bandwidth communication between devices equipped with NFC as well as high-bandwidth communication, as well as ISO / IEC 14443 Access card standards, existing Felica, and Mifare tags.

On the other hand, the control unit 180 can acquire the card information based on the image information photographed through the camera 121, for example. The control unit 180 can recognize the text from the image photographed through the camera 121 and acquire the card information from the recognized text.

The card information may include information such as a card number of a physical card issued offline, an expiration date of the card, a CVC (Card Validation Code), a PIN number, and the like. Accordingly, the control unit 180 can transmit the acquired card information to the relay server 200. [ The relay server 200 identifies the specific first card issuer server 300 based on the card information and transfers the card information to the first card issuer server 300 to perform the history inquiry and authentication processing on the card.

3 is a block diagram for explaining the configuration of the relay server 200 and the card issuer server 300 of the system according to an embodiment of the present invention in more detail.

According to one embodiment of the present invention, the relay server 200 includes a user management unit 210, a registration card database 220, a background image management unit 230, a card validity determination unit 240, a card issuer identification unit 250, A benefit information processing unit 260, a registration card management unit 270, a payment information processing unit 280, a communication unit 290 and an installation data management unit 295 and a control unit 298. [

The card issuer server 300 may include a communication unit 310, a card information management unit 320, a desktop image database 330, and a benefit information database 340.

As described above, the relay server 200 and the card issuer server 300 can communicate with each other through a network. To this end, the communication unit 290 of the relay server 200 and the communication unit 310 of the card issuer server 300 may be connected through a network. The network may be, for example, a local area network (LAN), a wide area network (WAN), a value added network (VAN), a personal area network (PAN) a mobile radiocommunication network or a satellite communication network.

Although the relay server 200 and the card issuer server 300 are illustrated as being independent from each other as described above, the relay server 200 may be included in the card issuer server 300 or the relay server 200 may be a card issuer server 300).

First, the user management unit 210 may store and manage user information and terminal information received through the terminal 100. The user information may include a user's ID, a password, an identification number, address information, gender information, and the like. The terminal information may include unique information such as a serial number or a telephone number of the terminal 100.

The registration card database 220 may store card information registered for each user or each terminal. Card information stored in the registration card database 220 may be mapped to user information or terminal information.

Furthermore, the registration card management unit 270 can perform management such as storage, deletion, and update with respect to the card information of the registration card database 220. [ As described above, the card information may include information about a physical card issued via offline. The card information may include, for example, at least one of serial number, validity period, PIN information, name information, and card company information.

The background image management unit 230 can store and manage the background image received from the card issuer server 300. [ In addition, a URL or RSS information capable of receiving a background image can be stored and managed. The background image management unit 230 may collect and store the background images of the respective cards in advance. In addition, the background image managing unit 230 may collect and store a URL or RSS information capable of receiving a type-specific background image of each card.

The card validity determination unit 240 determines validity of the card information received from the terminal 100, and outputs the validity of the card information to the terminal 100. The card validity determination unit 240 can determine the validity of the card information by using authentication with the card issuer server 300 or by using the validity determination method of the relay server 200 itself.

For example, the card validity determination unit 240 can receive a KEY that is accessible to the encryption block for the card information from the card issuer server 300 and verify the validity. When the verification is completed, the user management unit 210 or the registration card management unit 270 confirms the use history or the benefit information such as the issuance history of the real card stored in the card issuer server 300, the service history of each card, can do.

The card issuer identification unit 250 identifies the card issuer server 300 based on a part of the card information received from the terminal 100. [ The communication unit 290 can transmit the card information to the card issuer server 300 identified by the card issuer identification unit 250. [ The card issuer server 300 having received the card information can transmit the background image or benefit information corresponding to the card information to the relay server 200 again.

For example, the card issuer identification unit 250 may extract a card number from the card information, select a part of the card number, and compare the card number with an address list of a previously stored card issuer server. The card issuer identification unit 250 identifies the card issuer server 300 corresponding to a part of the card number and can transmit it to the background image management unit 230 or the benefit information processing unit 260. [

The background image management unit 230 may communicate with the identified card issuer server 300 and may receive and manage a background image (or background image) corresponding to the card information from the background image database 330. [

The benefit information processing unit 260 can communicate with the identified card issuer server 300 and receive and manage benefit information corresponding to the card information from the benefit information database 340. [

The payment information processing unit 280 can collect, store, and manage payment information received from the terminal 100. The payment information collected by the payment information processing unit 280 includes at least one of, for example, card identification information for payment, payment amount information, payment merchant information, installment month information, discount rate information, coupon information, point information, can do. In addition, the payment information processing unit 280 can transmit the payment request to the first card issuer server 300 based on the received payment information, and receive the payment approval message.

The control unit 298 of the relay server 200 can determine the main card among the plurality of cards based on the payment information collected by the payment information processing unit 280. [ The controller 298 of the relay server 200 may generate the main card association information associated with the main card determined in advance and transmit the main card association information to the terminal 100 in response to the request of the terminal 100. [

In addition, the filtering condition may include at least one of the frequency of use by each card obtained from the payment information, the total payment amount by the use card obtained from the payment information, and the average payment amount by the use card obtained from the payment information .

The control unit 298 of the relay server 200 may set the filtering condition according to the request of the terminal 100. [ For example, the control unit 298 of the relay server 200 may set a weight for the payment amount information for each card, the payment merchant information, the installment month information, the discount rate information, the coupon information, the point information, or the cashback information. Accordingly, the relay server 200 can appropriately reflect the card that the user actually needs to set the main card.

Also, as the application for setting the main card operates in the terminal 100, the main card may be determined by the terminal 100 itself, and the result may be transmitted to the relay server 200. [

The main card association information may include card identification information corresponding to the main card, benefit information corresponding to the main card, or background image information corresponding to the main card. The terminal 100 can receive such main card association information and generate and control the card information interface so that the user can appropriately provide the necessary card.

The installation data management unit 295 can store and manage the installation data for installing the card information application. In addition, the installation data management unit 295 can externally provide installation data through the communication unit 290. [ The provided installation data can be directly or indirectly transmitted to the terminal 100. For example, the installation data management unit 295 can provide installation data to an external STORE server, and the terminal 100 can receive installation data from a STORE server. In addition, the installation data management unit 295 may transmit the installation data reception information to the terminal 100 as a push message when the card information application is updated.

On the other hand, the card issuer server 300 may include a card information management unit 320 for storing and managing card information issued on / off-line and processing authentication. The card information management unit 320 transmits the card issuance information, the card usage history or the user information and the authentication information of the user to the relay server 200 through the communication unit 310 in response to the card information received from the relay server 200 .

The card information management unit 320 receives the payment information transmitted from the payment information processing unit 280 of the relay server 200 and performs the charging processing and transmits the processing result message of the payment information through the communication unit 310 To the server (200) or the terminal (100).

Meanwhile, the terminal 100 can receive the background image information, the main card related information, and the benefit information processed in the relay server 200, synthesize the card image, and display it on the card information interface. The card image of the card information interface displayed as described above may include a plurality of different card images, and may be displayed at different sizes and positions according to the main card association information. Accordingly, the user can intuitively recognize the registered cards and can easily select the main card determined automatically according to the payment information. Therefore, the user can conveniently use the card regardless of the card type or the card type.

4 is a ladder diagram for explaining a card information providing method according to an embodiment of the present invention.

Referring to FIG. 4, the terminal 100 first receives installation data (S100), executes the received installation data, and installs a card information application (S101).

The control unit 180 of the terminal 100 may receive and install a card information application including the card information interface according to the embodiment of the present invention from the relay server 200. [

Then, the terminal 100 executes the application (S103).

According to an embodiment of the present invention, application execution may be determined according to user input. For example, the user can determine the execution of the application by selecting an icon of the installed card information application.

In addition, according to another embodiment of the present invention, a card information application can be executed by a push message received through the wireless communication unit 110 of the terminal 100. [ For example, when the payment information associated with the relay server 200 is received, the terminal 100 can execute and control the card information application in response to the received payment information.

When the card information application is executed, the terminal information and the user information are transmitted to the relay server (S200).

The terminal 100 may collect the terminal information and the user information by executing the card information application and transmit the terminal information and the user information to the relay server 200 through the wireless communication unit 110. [ Also, the terminal 100 may collect terminal information and user information while the card information application is running in the background, and may transmit the terminal information and the user information to the relay server 200 through the wireless communication unit 110. The terminal information may include at least one of, for example, a terminal unique number, a telephone number, or USIM information. Also, the user information may include at least one of a user's name information, encrypted password information, ID information, address information, and e-mail information. Such terminal information and user information may be separately stored and managed in a part of the memory 160 and may be transmitted to the relay server 200 at a specific point in time.

The relay server 200 searches the registration card database based on the received terminal information and user information.

The relay server 200 can identify the user matching the terminal information or the user information through the user management unit 210. The registration card management unit 270 registers the registered card information corresponding to the user in the registration card database 220 ). ≪ / RTI > Accordingly, the relay server 200 can identify the current terminal information and the registration card information corresponding to the user information.

Then, the relay server 200 transmits the obtained registration card information to the terminal 100.

For example, the relay server 200 can identify a card list that the user has previously registered from the registration card database 220. Then, the registered card list information can be transmitted to the terminal 100.

Then, the terminal 100 displays the registration card on the card information interface displayed by execution of the card information application (S111).

The controller 180 of the terminal 100 may display the registration card information in the card information interface. The displayed registration card information may include a plurality of card images respectively corresponding to the offline physical cards that the user has previously registered. Each card image may include, for example, a real card image in which card information is synthesized on the background image. In addition, each physical card image may include benefit information. As described above, the card information interface can intuitively display the registration card information that the user can register and use through the terminal 100 by displaying a plurality of the real card images, and can display various additional information together.

In addition, the controller 180 may select a plurality of displayed card images according to user input through the card information interface. In addition, the controller 180 can display a card information screen corresponding to a card image selected according to a user's input. The user can set a manual primary card, an automatic primary card, Password setting or deletion can be performed.

On the other hand, the terminal 100 determines whether there is a new card registration command according to user input (S113). If there is a new card registration command, the terminal 100 selects the input method (S115), and acquires the card information according to the selected input method (S117).

The control unit 180 receives the user input through the card information interface and determines whether there is a new card registration instruction according to the user input. If there is a new card registration command, the control unit 180 displays an input method selection screen, and can determine the card information acquisition method according to the user input.

According to the embodiment of the present invention, any one of the card information acquisition method using short range wireless communication or the card information acquisition method using image information can be exemplified.

For example, when the card information acquisition method using the short-distance wireless communication is selected, the control unit 180 may display an approach message of the offline physical card. The control unit 180 can sense the access of the physical card through the wireless communication unit 110. [ When the access to the physical card is detected, the controller 180 performs short-range wireless communication with the physical card, and acquires the card information including the serial number of the card and the validity period.

In addition, for example, when the card information acquisition method using image information is selected, the control unit 180 can display the shooting guidance message of the offline physical card. The control unit 180 can extract the card area by analyzing the image photographed through the camera 121. The control unit 180 can perform text recognition on the extracted card area and acquire card information including the card serial number and the validity period as a result.

Thereafter, when the card information is acquired, the terminal 100 transmits the card information to the relay server 200 (S119).

The control unit 180 may transmit the card information acquired according to the previously selected input method to the relay server 200 through the wireless communication unit 110. [ The card information received through the communication unit 290 of the relay server 200 may be transmitted to the card issuer identification unit 250.

Then, the relay server 200 identifies the card issuer server 300 based on a part of the received card information.

The card issuer identification unit 250 can extract the card serial number from the card information. Then, the card issuer identification unit 250 can identify the card issuer server 300 based on the first part of the extracted card serial number. For example, the card issuer identification unit 250 can store and manage the card issuer information in a table, identifies a bank identifier number (BIN) from a six-digit number in front of the card serial number corresponding to the card issuer server, It is possible to identify the card issuer server 300 corresponding thereto. In addition, the card company information table may include a connection address corresponding to each card issuer server 300.

When the card issuer server 300 is identified, the relay server 200 transmits the card information to the card issuer server 300 through the communication unit 290 (s123).

Then, the card issuer server 300 searches the database according to the received card information (s125), and transmits the card image information and the basic benefit information obtained as the search result to the relay server 200 (s127).

As described above, the card issuer server 300 can store the card base image information and the basic benefit information for each card in a database, and can update and manage it in real time.

In addition, the card company server 300 can acquire the card image information and the basic benefit information corresponding to the received card information from the database, and deliver it to the relay server 200.

Then, the relay server 200 transmits the card background image and basic benefit information to the terminal 100 (s131).

In this process, the relay server 200 can store and manage card image information and basic benefit information. For example, the background image management unit 230 of the relay server 200 may download the background image based on the URL information included in the card background image information, and may transmit the downloaded background image data to the terminal 100. [

Then, the terminal 100 displays the real card image (S133).

The control unit 180 of the terminal 100 may generate a real card image in the form of a card image based on the card information obtained in step S117 and the card image received from the relay server 200. [ Then, the control unit 180 can display the real card image using the card information interface.

Then, the terminal 100 maps the basic benefit information to the displayed real card image and displays it (S135).

Accordingly, the user of the terminal 100 can clearly recognize that the physical card issued through the off-line will be registered in the terminal 100. [ In addition, since the same physical card image as the card that the user actually holds can be displayed through the terminal 100, an intuitive card information interface can be provided. In addition, the basic benefit information corresponding to the card information can be received from the card issuer server 300 through the relay server 200, can be mapped to the real card image and displayed, and the benefit information updated in real time can be reflected And the user convenience can be improved.

Thereafter, the terminal 100 performs authentication with the card issuer server 300 through the relay server 200 (S137). In accordance with the authentication of the relay server 200, the registration database is updated so that the offline physical card can be used online (s139). The registration card management unit 270 can register the authenticated card and user information in the registration database as registration card information, and can maintain and manage the registration card information.

When the registration is completed, the terminal 100 can display the registered physical card image on the card information interface by updating the card information interface. According to the embodiment of the present invention, each of the plurality of physical card images may correspond to a plurality of card items, and may be converted and controlled according to the main card association information, payment information, and benefit information described above .

5 is a ladder diagram for explaining a payment information processing process of the card information providing method according to the embodiment of the present invention.

5, the terminal 100 receives a user input or purchase information message (s201), and executes a card information application corresponding thereto (s203).

The control unit 180 can receive the purchase means selection command from the user input and can execute the card information application when the user selects the card information application as the purchase means.

In addition, when the payment information message is received from the outside, the control unit 180 may execute the card information application based on the received purchase information message. For example, when a user selects a purchase item by accessing an online shopping mall server and selects the terminal 100 as a payment means, a purchase information message may be generated from the shopping mall server and transmitted to the terminal 100.

When the purchase information message is received by the wireless communication unit 110, the controller 180 executes the card information application and can transfer the purchase information included in the received purchase information message to the card information application.

In addition, the user can input the execution of the card information application while the terminal 100 is in use. For example, the user can select a purchase application of the terminal 100 or a product to be purchased at the Internet shopping mall, and select a card information application as a purchasing means. When the card information application execution command is received, the control unit 180 can generate purchase information for the selected product and execute the card information application. The purchase information may be displayed together with the card information interface.

When the application is executed, the terminal 100 displays the real card image (s205), and maps the basic benefit information (s207).

As described above, when the card information application is executed, the control unit 180 can display the real card image created based on the registration card information and the card background image on the card information interface. In addition, purchase information may be displayed together in the card information interface. The registration card information and the card background image may be received from the relay server 200, received in advance in the terminal 100, stored and managed, and may be periodically updated.

The physical card image may include a plurality of physical card images. In addition, the control unit 180 may map the basic benefit information to the real card image displayed on the card information interface. Basic benefit information may also be received from the relay server 200, received in advance in the terminal 100, stored and managed, and may be updated periodically.

Further, the plurality of physical card images can be converted in position and shape based on the above-described main card association information. Accordingly, the terminal 100 can easily select the user's main card as a payment card by controlling the card information interface.

Then, the terminal 100 transmits purchase information to the relay server 200 (s209).

The control unit 180 may transmit the purchase information provided from the user input or purchase information message to the relay server 200 when the card information application is executed. The purchase information may include at least one of, for example, merchant information, a product name, a payment amount information, and a supplier information.

Then, the relay server 200 identifies the registered card company server based on the registration card information of the terminal 100 that has transmitted the purchase information (s213), and transmits purchase information and card information to each of the identified card company servers.

Here, the card issuer identification unit 250 can acquire the card information corresponding to the user information (or the terminal information) that has transmitted the purchase information from the registration card database 220, and can identify the card issuer server based on the acquired card information.

The relay server 200 can transmit the card information and the purchase information to each of the card issuer servers 300 previously identified through the communication unit 290. As described above, the purchase information may include at least one of merchant information, merchandise name, payment amount information, and orderer information, and the card information may include card type information.

Then, the card issuer server 300 searches the real-time benefit information based on the received card information and the purchase information (s215), transmits the real-time benefit information to the relay server 200 (s217) Time benefit information received from each card issuer server 300 and transmits the collected real-time benefit information to the corresponding terminal 100 (s219).

Then, the terminal 100 maps the received real-time benefit information to the real card image (s211), applies the card-specific benefit information to the purchase information (s225), and displays the benefit application result (s225).

The control unit 180 may display the real-time benefit information corresponding to each of the real card images displayed on the card information interface through the display unit 151. [ The controller 180 may apply card-specific benefits for the selected product based on the real-time benefit information and the basic benefit information. Then, the control unit 180 can display the result of applying the benefit through the card information interface in the purchase information.

For example, the control unit 180 may apply a discount rate per card to the amount of commodity displayed on the card information interface, and display a discounted amount for each card corresponding to each real card image. Also, the controller 180 may apply the point accumulation rate for each commodity amount displayed on the card information interface, and display the point accumulation amount for each card corresponding to each real card image.

In this way, when the user wants to purchase a specific product, the real-time benefit information updated in real time is transmitted to the terminal 100 and displayed on the card information interface together with the real card image . In addition, the terminal 100 can easily select the user's main card as a payment card by controlling the card information interface based on the main card association information described above.

Then, when the user selects a card (s227), the terminal 100 generates payment information based on the selected card and purchase information, and transmits it to the relay server 200 (s229).

Thereafter, when the payment information is received, the relay server 200 transmits a payment request to the corresponding credit card company server 300. The credit card company server 300 performs settlement processing and transmits a payment approval message to the relay server 200 (S233).

When the payment approval is completed, the relay server 200 generates a payment completion message and transmits the payment completion message to the terminal 100 (s235).

Through the above process, settlement based on the card information interface for displaying the real card image is performed.

Accordingly, not only the user can intuitively confirm the basic benefit information of the offline real card possessed by the user, but also can promptly check the result of applying the real-time benefits for each card according to the purchased product, do.

6 to 9 are diagrams for explaining a method of controlling a card information interface associated with benefit information according to an embodiment of the present invention.

Referring to FIG. 6, first, the terminal 100 executes a card information application (s300).

As described above, the terminal 100 can execute the card information application when receiving user selection input or purchase information. In the embodiment of the present invention, the execution of the card information application not only means new execution but also displays the card information interface of the application which is executed in the background beforehand and resides in the volatile memory 160 on the display unit 151 It can also mean something.

Then, the terminal 100 acquires the purchase information (s310), transmits the acquired purchase information to the relay server 200 (s320), and receives the benefit information corresponding to the transmitted purchase information (s320). This process is similar to that described above with reference to FIG.

Then, the terminal 100 controls the card information interface based on the received benefit information (s340).

In one embodiment, the card information interface may comprise a plurality of card items. Each of the plurality of card items may include the physical card image described above. In addition, the basic benefit information may be mapped to a plurality of card items. The plurality of card items thus generated can be controlled based on the purchase information and benefit information. The plurality of card items may be modified in different forms, for example, according to the purchase information and the benefit information, may be disposed at different positions, and may include different information.

More specifically, the terminal 100 calculates a settlement amount for each of the card items using the purchase information and the benefit information, displays the calculation result on the card item or its vicinity through the display unit 151 can do.

In particular, benefit information may vary in real time and may be different for each card, so the amount of payment may differ each time. The relay server 200 can classify, store and manage information according to whether a card registered in the terminal 100 is newly issued, a benefit per month used performance, a first anniversary, a tenth anniversary, a VIP status, , It is possible to extract only the currently applicable benefit information and transmit it to the terminal 100.

For example, if the commodity amount included in the purchase information is 10,000 won, and the benefit information corresponding to the first card item is 10% discount, the terminal 100 displays 9000 won, which is 10% discount, on the display unit 151, And can be displayed on the first card item or a portion located within a certain distance from the first card item.

In addition, the purchase information may include the merchant information. In this case, the terminal 100 can extract the event information according to the merchant from the benefit information, and calculate and display the payment amount to which the event information is applied to each card item. Accordingly, the user can provide information so that the card selection can be efficiently performed, and the user satisfaction can be improved by inducing efficient settlement.

Then, the terminal 100 may change the sort order of the card items based on the received benefit information, or may control the size and position of each of the card items.

For example, the terminal 100 may determine the discount rate corresponding to each card item according to the benefit information, and change the sort order of the card items based on the discount rate. The terminal 100 may move the card item having a high discount rate relatively to the top or determine the first page of the card item list screen. In addition, the terminal 100 may relatively display a card item having a higher discount rate relatively and the other card items relatively small based on a discount rate.

On the other hand, the terminal 100 can determine a rank for each of the card items based on the received benefit information. The item-specific weight for determining the ranking can be preset according to the user's input.

The terminal 100 may obtain the second benefit information by applying the weight to each item included in the benefit information for ranking, applying the weighted second benefit information to the payment information, A rank value for an item may be obtained, and a rank for each card item may be determined based on the rank value. Each item may include at least one of a discount rate, a point, a coupon, a cash back, a installment month, and a payment amount.

Figure 7 shows a card information interface controlled in accordance with an embodiment of the present invention.

7, the card information interface 500 may include a first card item 510, a second card item 520, and a third card item 530. As shown in FIG. Here, each of the card items 510, 520, and 530 may correspond to the real card registered through the process described above. In addition, each card item 510, 520, 530 may include a real card image in which card information is mapped to its background image.

Upon receiving the benefit information, the terminal 100 may display the received benefit information and the benefit information application result in the card information interface 500 displayed as described above. As shown in FIG. 7, the applied amount may be displayed at a position adjacent to each of the card items 510, 520, and 530.

Then, the terminal 100 may change the arrangement order of the first card item 510, the second card item 520, and the third card item 530 according to the benefit information application result. For example, if the calculated amount of the benefit information of the first card item 510 is the lowest, the first card item 510 can be positioned at the top.

Here, the arrangement order to be changed may be different according to the user setting. For example, when the user prefers a card with a low payment amount, when the user prefers a card with a high point accumulation, when the user prefers a card set with a primary card, and so on, the order of arrangement may be different.

8 shows a card information interface according to another embodiment of the present invention.

8, the card information interface 500 may include a first card item 510, a second card item 520, and a third card item 530. As shown in FIG. 7, each of the card items 510, 520, and 530 may correspond to a real card registered through the process described above. In addition, each card item 510, 520, 530 may include a real card image in which card information is mapped to its background image.

Upon receiving the benefit information, the terminal 100 may display the received benefit information and the benefit information application result in the card information interface 500 displayed as described above. 8, the benefit information and the application result may be displayed on the first card item 510 itself, and the benefit information and the application information may be displayed at the adjacent positions, such as the second and third card items 520 and 530. [ Results can be displayed.

Then, the terminal 100 may change the position and size of the first card item 510, the second card item 520, and the third card item 530 according to the benefit information application result. For example, as shown in FIG. 8, when the calculated amount of the benefit information of the first card item 510 is the lowest, the first card item 510 is divided into the second card item and the third card item 520, and 530, so that the user can easily select a card.

In addition, the card information interface 500 may further include a recommended goods list 540. The recommended product list 540 may include a list of other related products to which the benefit information is applied. For example, the terminal 100 requests the relay server 200 to provide a list of recommended goods corresponding to the first card item 510, and receives the list of recommended goods corresponding to the first card item 510 of the card information interface 500 Can be displayed. The products displayed in the recommended goods list 540 may be mapped to the benefit information. Accordingly, the user can recognize the merchandise having a large benefit when using the card with respect to the first card item currently held, and can conveniently perform additional settlement.

FIG. 9 shows a user setting screen for controlling a card information interface according to an embodiment of the present invention.

Referring to FIG. 9, the card information interface 500 according to the embodiment of the present invention may include a card recommendation setting screen. On the card recommendation setting screen, the user can set control conditions of card items controlled according to the benefit information. According to the embodiment of the present invention, the arrangement and size of the card items can be determined according to the application result of the received benefit information, and the user can use the card recommendation setting screen to control the arrangement order of the card items and the size control Conditions can be set. The control condition can be set, for example, according to the item-specific weighting result of the benefit information application result.

As shown in FIG. 9, the benefit information application result may include a plurality of items. The benefit information application result may include, for example, at least one of a point, a payment amount, a discount rate, a coupon, a cash back, and a installment month.

The user can set a weight corresponding to each application result. Such a weight may be displayed in the form of a directional image 560 and the user may set the weight by adjusting the length of the directional image 560 or by inputting a specific value.

When the weight is set, the controller 180 may assign a weight to each item of the benefit information for each card item to calculate a rank value for each card item, Alternatively, the relative size can be determined.

Accordingly, embodiments of the present invention provide card items that are selectable using a card information interface, allowing easy selection of card items that are substantially needed by a user, as well as facilitating the user's different complex preferences There is an effect that can be reflected.

Also, according to the embodiment of the present invention, the card information obtained through the off-line can be acquired, and online relay and benefit information notification can be performed between various card company servers using the acquired card information. In addition, by providing an intuitive interface using a real card image, it is possible to enhance the psychological stability of the user in using the card using the mobile, and to provide convenience.

10 is a flowchart illustrating a method of generating main card association information of the relay server 200 according to another embodiment of the present invention.

10, the relay server 200 first registers a user account (s300), and registers a plurality of card information corresponding to each user account (s410).

As described above, the user management unit 210 of the relay server 200 can receive the user information and the terminal information through the communication with the terminal 100 and register the user account. The user information may include a user's ID, a password, an identification number, address information, gender information, and the like. The terminal information may include unique information such as a serial number or a telephone number of the terminal 100.

Also, as described above, the registration card database 220 of the relay server 200 can register card information corresponding to each user account. The card information may correspond to a physical card issued offline, and may include information such as a card number, an expiration date of the card, a CVC (Card Validation Code), and a PIN number.

Then, the relay server 200 collects the card settlement information (s420). The card payment information may include at least one of, for example, card identification information to be paid, payment amount information, payment merchant information, installment month information, discount rate information, coupon information, point information and cash back information.

Then, the relay server 200 sets the main card based on the collected card settlement information (s430).

The control unit 298 of the relay server 200 can determine the main card using the plurality of registered cards and the collected card settlement information. For example, the control unit 298 of the relay server 200 may extract the used card list from the card settlement information collected earlier. The used card list may include only those cards having actually used history among a plurality of registered cards. The control unit 298 of the relay server 200 may filter the used card list according to the collected card payment information. In addition, the controller 298 may determine the topmost card in the filtered usage card list as the primary card.

As described above, the filtering condition includes at least one of the frequency of use by each card obtained from the payment information, the total payment amount by the used card obtained from the payment information, and the average payment amount by the used card obtained from the payment information . Accordingly, a card having the highest frequency of use, a card having the largest total payment amount, or a card having the highest payment amount may be set as the main card.

The filtering conditions may be changed according to the settings of the terminal 100 or the relay server 200, and may be updated every predetermined period or each time the payment information is updated. Accordingly, the main card can be changed every time.

For example, the control unit 298 of the relay server 200 may set the filtering condition according to the request of the terminal 100. [ For example, the control unit 298 of the relay server 200 may set a weight for the payment amount information for each card, the payment merchant information, the installment month information, the discount rate information, the coupon information, the point information, or the cashback information. Accordingly, the relay server 200 can appropriately reflect the card that the user actually needs to determine the main card.

Then, when the main card is determined, the relay server 200 generates main card association information (s440) and transmits the main card association information to the terminal 100 (s450). The main card association information may include card identification information corresponding to the main card, benefit information corresponding to the main card, or background image information corresponding to the main card. The terminal 100 can receive such main card association information and generate and control the card information interface so that the user can appropriately provide the necessary card.

FIG. 11 is a flowchart illustrating an operation method of the terminal 100 according to another embodiment of the present invention. FIGS. 12 to 14 illustrate a method of controlling a card information interface according to another embodiment of the present invention Respectively.

11, the terminal 100 acquires user information (s500), obtains card information (s510), and transmits the acquired card information and user information to the relay server 200 (s520).

The terminal 100 may obtain user information and card information from a user input for normal operation of the card information application. Also, it is possible to transmit the acquired user information and card information to the relay server 200. In addition, the user information may be transmitted each time the card information application is executed. Execution of the card information application not only means a new execution but also means displaying the card information interface of the application which is executed in the background beforehand and resides in the volatile memory 160 on the display unit 151. [

Then, the terminal 100 receives the main card related information determined based on the payment information (s530).

The payment information may be generated in the terminal 100 and transmitted to the relay server 200. The payment information can be transmitted to the relay server 200 at any time when the user uses the card in the terminal 100 or the actual offline. Accordingly, the relay server 200 can collect the payment information generated according to the payment processing of the card, without discriminating the online or offline. Therefore, the relay server 200 may receive payment information from the terminal 100 or from the card issuer server 300. [ Accordingly, the relay server 200 can determine the main card by collecting the entire payment information without distinguishing the card mainly used by the user on / off line.

Then, when main card association information is received, the terminal 100 generates a card information interface based on the main card association information (s540), and displays the card information interface (s550).

As described above, the main card association information may include card identification information corresponding to the main card, benefit information corresponding to the main card, or background image information corresponding to the main card. The terminal 100 can receive such main card association information and generate and control the card information interface so that the user can appropriately provide the necessary card.

In one embodiment, the card information interface may comprise a plurality of card items. Each of the plurality of card items may include the main card association information and the real card image described above. In addition, the basic benefit information included in the main card association information may be mapped to the plurality of card items. The plurality of card items thus generated can be controlled based on the purchase information and the main card association information. The plurality of card items may be modified in different forms, for example, depending on the purchase information and the main card association information, disposed at different positions, and may include different information.

The terminal 100 may change the sort order of the card items based on the main card association information or the previously received benefit information, or may control the size and position of each of the card items.

For example, the terminal 100 may move the card item determined as the main card relatively to the upper side according to the main card association information, or may determine the first page of the card item list screen. In addition, the terminal 100 may display relatively large card items corresponding to the main card and relatively small other card items.

Meanwhile, the terminal 100 may determine the discount rate corresponding to each card item according to the benefit information included in the main card association information, and may change the sort order of the card items based on the discount rate. The terminal 100 may move the card item having a high discount rate relatively to the top or determine the first page of the card item list screen. In addition, the terminal 100 may relatively display a card item having a higher discount rate relatively and the other card items relatively small based on a discount rate.

On the other hand, the terminal 100 can determine a rank for each of the card items based on the received benefit information. The item-specific weight for determining the ranking can be preset according to the user's input. In particular, a card item determined as the main card may be set to the highest priority.

Meanwhile, the terminal 100 or the relay server 200 may set various filtering conditions for determining the main card. The second benefit information may be obtained by applying the weight to each item included in the benefit information, and the rank value of each card item may be acquired by applying the weighted second benefit information to the payment information , And determine the main card among the card items based on the ranking value. Each item may include at least one of a discount rate, a point, a coupon, a cash back, a installment month, and a payment amount.

12 shows a card information interface controlled in accordance with an embodiment of the present invention.

The card information interface 500 further includes a main card icon 505 in addition to the first card item 510, the second card item 520 and the third card item 530 described above can do.

Upon receiving the main card related information and the benefit information, the terminal 100 can display the main card icon 505, the received benefit information, and the benefit information application result in the card information interface 500 displayed as described above. As shown in FIG. 13, the applied amount may be displayed at a position adjacent to each of the card items 510, 520, and 530.

Then, the terminal 100 may change the arrangement order of the first card item 510, the second card item 520, and the third card item 530 according to the main card association information. For example, when the first card item 510 is determined as the main card, the terminal 100 obtains the card identification information corresponding to the first card item 510 from the main card association information, 510 can be aligned at the top.

On the other hand, if there is no card identification information in the main card association information, the main card may not yet be determined. At this time, the arrangement order may be changed according to the result of applying the benefit information. For example, if the calculated amount of the benefit information of the first card item 510 is the lowest, the first card item 510 can be positioned at the top.

Here, the arrangement order to be changed may be different according to the user setting. For example, when the user prefers a card with a low payment amount, when the user prefers a card with a high point accumulation, when the user prefers a card set with a primary card, and so on, the order of arrangement may be different.

13 shows a card information interface according to another embodiment of the present invention.

13, the card information interface 500 may include a main card icon 505, a first card item 510, a second card item 520, and a third card item 530 . 7 and 11, each of the card items 510, 520, and 530 may correspond to a real card registered through the process described above. In addition, each card item 510, 520, 530 may include a real card image in which card information is mapped to its background image.

Upon receiving the benefit information, the terminal 100 may display the received benefit information and the benefit information application result in the card information interface 500 displayed as described above. 13, the primary card icon 505, the benefit information, and the application result may be displayed on the first card item 510 itself, and the second and third card items 520 and 530 may be displayed on the first card item 510, Benefit information and application results may be displayed at adjacent locations.

The terminal 100 may change the positions and sizes of the first card item 510, the second card item 520, and the third card item 530 according to whether the main card is a main card. For example, if the first card item 510 is a card determined as the main card, the first card item 510 may be the second card item and the third card item 520, 530, The main card can be easily selected by the user.

14 shows a main card setting screen for determining a main card according to an embodiment of the present invention.

14, the main card setting screen is shown to be provided through the terminal 100. However, the main card setting screen may be provided through the relay server 200, and the main operation method of the main card setting method is limited to the terminal 100 And is not limited to the relay server 200.

Referring to FIG. 14, the card information interface 500 according to the embodiment of the present invention may include an automatic main card setting screen. On the automatic main card setting screen, the user can set the main card determination condition according to various filtering conditions. According to the embodiment of the present invention, the determination condition of the main card can be set according to the application result of the importance of the user, and the user can set each condition using the automatic main card setting screen. The main card determination condition can be set, for example, according to the item-specific weight included in each payment information.

As shown in FIG. 14, the main card setting condition may include a plurality of items. The main card setting condition may include at least one of, for example, frequency of use, total payment amount, average payment amount, installment month, point, discount rate.

The user can set weights for each condition in this way. Such a weight may be displayed in the form of a directional image 560 and the user may set the weight by adjusting the length of the directional image 560 or by inputting a specific value.

When the weight is set, the controller 298 of the relay server 200 can calculate the rank value of each card by applying the item weight for each registered card, The top card of the list can be determined as the main card.

Accordingly, another embodiment of the present invention not only provides a card item that can be selected using the card information interface, but also easily selects a card item corresponding to a main card that the user substantially needs, It is possible to easily reflect different complex preferences.

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 (14)

A method for providing card information of a terminal,
Receiving purchase information;
Displaying a card information interface including the purchase information and a plurality of card items registered in advance in response to the purchase information reception;
Transmitting the acquired purchase information to a relay server;
Receiving benefit information corresponding to the purchase information from the relay server; And
And controlling the card information interface based on the received benefit information. The method according to claim 1,
The step of controlling the card information interface
And changing a sort order of the card items based on the received benefit information. The method according to claim 1,
The step of controlling the card information interface
Determining a ranking for each of the card items based on the received benefit information; And
And controlling the card information interface according to the determined ranking,
And the item weight for determining the ranking is set in advance according to user input. The method of claim 3,
Wherein the determining the ranking comprises:
Acquiring second benefit information by applying the weight to each item included in the benefit information;
Applying the weighted second benefit information to the purchase information and outputting a rank value for each card item; And
And determining a ranking for each card item based on the ranking value. A terminal for providing card information,
A communication unit for receiving purchase information, transmitting the received purchase information to a relay server, and receiving benefit information corresponding to the purchase information from the relay server;
A display unit displaying a card information interface including the purchase information and a plurality of card items registered in advance in response to the purchase information reception; And
And a controller for controlling the card information interface based on the received benefit information. 6. The method of claim 5,
Wherein the control unit calculates the purchase amount for each of the card items using the purchase information and the benefit information, and provides card information for displaying the result on the periphery of the card item through the display unit. 6. The method of claim 5,
Wherein the control unit provides card information for changing a sort order of the card items based on the received benefit information. 6. The method of claim 5,
Wherein the control unit provides card information for controlling the size and position of each of the card items based on the received benefit information. 9. The method of claim 8,
Wherein the control unit determines a ranking for each of the card items based on the received benefit information, and controls the card information interface according to the determined ranking. A card information providing method of a server apparatus,
Registering a user account based on user information received from the terminal;
Registering a plurality of card information corresponding to the user account;
Collecting card settlement information received from a terminal corresponding to the user account;
Determining a main card among the plurality of cards based on the collected card settlement information; And
And transmitting information related to the determined main card to the terminal in response to the request of the terminal. 11. The method of claim 10,
The step of determining the main card
Extracting a used card list from the collected card payment information;
Filtering the used card list according to the collected card payment information; And
And determining the card located at the top of the filtered usage card list as the primary card. 12. The method of claim 11,
Wherein the filtering condition includes at least one of a frequency of use of each card used, a total payment amount of each card used, and an average payment amount of each card used, obtained from the card payment information. A server apparatus for providing card information,
A user management unit for registering a user account;
A registration card database for registering a plurality of pieces of card information corresponding to the user account;
A payment information processing unit for collecting card payment information received from a terminal corresponding to the user account;
A controller for determining a main card among the plurality of cards based on the collected card settlement information; And
And a communication unit for transmitting information related to the determined main card to the terminal in response to the request of the terminal. 14. The method of claim 13,
A server device that extracts a used card list from the collected card payment information, filters the used card list according to the collected card payment information, and determines a card located at the top of the filtered used card list as the primary card, .

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