KR20150123581A - Method, Mobile Terminal and Service System for Mobile Integrated Service - Google Patents

Abstract

Provided are a mobile integrated service method, and a mobile terminal and a service system using the same. According to one embodiment of the present invention, the mobile integrated service method: provides a call service based on a user account to the mobile terminal; and provides information on a mobile card issued to the user account to the mobile terminal, thereby allowing a user to integrally use the call service and a mobile payment service based on one user account, which increases user convenience.

Description

TECHNICAL FIELD [0001] The present invention relates to a mobile integrated service, a mobile terminal,

The present invention relates to a mobile service, and more particularly, to a method for providing various services through a mobile terminal and a mobile terminal and a service system using the same.

It is undeniable that the speed of wireless Internet and the improvement of performance of mobile terminal have produced a lot of mobile services, thereby providing convenience and speed of life.

However, the increase of various mobile services has the problem of making the user's life complicated and difficult on the back of its convenience. Such complexity and difficulty become more intense as the number of services to be used increases and diversifies.

Therefore, it is required to make effort to implement unified services as an integrated service, and a method for simplifying service use and management is required.

It is an object of the present invention to provide a method for integrally providing a telephone service based on a user account and a mobile payment service, and a mobile terminal and a service system using the same.

According to an aspect of the present invention, there is provided a mobile integrated service method including: providing a mobile terminal based on a user account; And a second providing step of providing the mobile terminal with the information of the mobile card issued to the user account.

Further, the mobile integrated service method according to an embodiment of the present invention may further include charging the mobile card for a cost incurred by the telephone service.

In addition, the information of the mobile card may be stored in any one of a plurality of virtual SEs included in a plurality of secure elements (SEs).

The mobile card may be virtualized in the mobile terminal and used for mobile settlement.

Further, the mobile integrated service method according to an embodiment of the present invention may further include authenticating a user using the user account, wherein the first providing step and the second providing step include: And can be performed when the user authentication is successful.

According to another aspect of the present invention, there is provided a mobile integrated service method comprising: receiving a request for issuing a mobile card from a mobile terminal; And performing a procedure necessary for issuing the mobile card to the user account.

The mobile terminal may be any one of a mobile terminal of the user, a mobile terminal of the other, and a mobile terminal that the user has logged into the user account.

The mobile card information may be generated based on at least one of the user account and real card information.

Further, the mobile card can be used only when it does not meet predetermined limitations.

According to another aspect of the present invention, there is provided a mobile integrated service system including: a communication unit for communicating with a mobile terminal of a user; A server for providing a telephone service based on a user account to the mobile terminal; And a card management unit for providing the mobile terminal with information on the mobile card issued as the user account.

According to another aspect of the present invention, there is provided a mobile integrated service method comprising: requesting and receiving a telephone service based on a user account; And virtualizing the information of the mobile card issued to the user account and making a mobile payment.

The mobile integrated service method according to another embodiment of the present invention further includes receiving information of the mobile card, wherein the mobile payment step includes the steps of: virtualizing the information of the mobile card received in the receiving step .

According to another aspect of the present invention, there is provided a mobile integrated service method, further comprising an authentication step of performing a user authentication procedure using a user account, wherein the providing step and the receiving step include: In the case of the second embodiment.

The virtualization may be performed by a card emulation function provided by an Operating System (OS) of the mobile terminal without using a physical SE.

In addition, the mobile settlement step may transmit the information of the virtualized mobile card to the settlement terminal in a non-contact manner.

The providing step and the mobile settlement step may be performed by one application.

In addition, the mobile card information may be generated based on at least one of the user account and real card information.

In addition, the mobile settlement step may be performed only when the mobile card does not meet predetermined limitations.

According to another aspect of the present invention, there is provided a mobile terminal including: a communication unit for communicating with an integrated service system; And a processor for requesting a phone service based on the user account to the integrated service system and receiving the mobile payment information by virtualizing the mobile card information issued by the user account.

As described above, according to the embodiments of the present invention, VoIP service and mobile settlement service can be integrally used based on a single user account, thereby enhancing the convenience of the user.

In addition, according to the embodiments of the present invention, the VoIP service cost is paid in the mobile card, and the cost processing is simplified. In addition, according to the embodiments of the present invention, the above services are available through one application and are simple.

1 shows a mobile integrated service system to which the present invention is applicable,
FIG. 2 is a detailed block diagram of the mobile terminal shown in FIG. 1,
3 is a detailed block diagram of the V & P service system shown in FIG. 1,
4 is a flowchart showing a method of issuing a mobile prepaid card for V & P service according to an embodiment of the present invention;
FIG. 5 is a flowchart illustrating a VoIP service method using a prepaid card according to another embodiment of the present invention. FIG.
6 is a flowchart illustrating an online mobile payment method using a mobile prepaid card according to another embodiment of the present invention,
7 is a diagram illustrating a mobile terminal capable of offline mobile settlement using a mobile prepaid card.

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

1. Mobile integrated service system

1 is a diagram illustrating a mobile integrated service system to which the present invention is applicable. A mobile integrated service system to which the present invention can be applied includes a mobile terminal 100, a V & P service system 200, a Trusted Service Manager (TSM) 310, a Financial Institution 320, A mobile network operator (MNO) / mobile virtual network operator (MVNO) 330, a service provider (SP) 340, and a near field communication (NFC) payment terminal 400.

The TSM 310, the FI 320, the MNO / MVNO 330 and the SP 340 are servers / systems for issuing or issuing mobile prepaid cards or providing coupons, points, and transportation card services Refers to a server / system associated with the V & P service system 200. In some cases, at least one of them may be referred to as an external system 300.

The V & P service system 200 is a system operated by a service provider that integrally provides V & P (VoIP & Payment) services based on a mobile prepaid card. The V & P service system 200 provides a VoIP service to the user of the mobile terminal 100, and the costs incurred thereby are covered by the user's mobile prepaid card.

The Voice over Internet Protocol (VoIP) service includes a voice-based mobile voice communication service through existing base stations and an Internet Protocol (IP) data packet-based voice communication service such as Skype.

The V & P service system 200 receives the user's mobile prepaid card from the external system 300 and stores and manages the secured prepaid card in a secure storage unit (SE) ).

The mobile terminal 100 is a terminal used by a user who subscribes to the V & P service provided by the V & P service system 200, and is not necessarily a terminal owned by the user. That is, the V & P service can be provided even when the user logs in through his / her account through the mobile terminal 100 of another person or rented.

The NFC payment terminal 400 receives the prepaid card information through the mobile terminal 100 and processes the mobile payment. The NFC payment terminal 400 constitutes or is connected to the POS system (Point Of Sale System) of the seller.

2. Mobile terminal

2 is a detailed block diagram of the mobile terminal shown in FIG. 2, the mobile terminal 100 includes a communication unit 110, a processor 120, a V & P application 130, a HCE (Host Card Emulation) unit 140, a UICC (Universal IC Card) And an NFC module 160.

The communication unit 110 accesses the network to support communication between the mobile terminal 100 and the V & P service system 200. The NFC module 160 is the means for the NFC payment terminal 400 and the NFC and the prepaid card information is transmitted to the NFC payment terminal 400 by the NFC module 160.

The processor 120 controls the overall operation of the mobile terminal 100 and includes the V & P application 130 and the HCE portion 140 in connection with an embodiment of the present invention.

The V & P application 130 includes an authentication client 131, a VoIP client 133, and a mobile settlement unit 135.

The authentication client 131 performs an authentication procedure to be performed by the mobile terminal 100 in order to log into the V & P service system 200 as a user account. To this end, the authentication client 131 interacts with the authentication server 240 of the V & P service system 200 to be described later.

The VoIP client 133 performs a VoIP-call request / reception to be performed on the mobile terminal 100 side for a VoIP-based phone call using a user account. To this end, the VoIP client 133 interacts with the VoIP server 230 of the V & P service system 200 to be described later.

The mobile payment unit 135 provides a user interface for issuing the mobile prepaid card and using the issued mobile prepaid card as a user account. At the time of mobile payment, the mobile payment unit 135 acquires the mobile prepaid card information of the user account held by the V & P service system 200.

The HCE unit 140 is included in an OS (Operating System) of the mobile terminal 100 and can provide the HCE function without a physical SE. The HCE unit 140 virtualizes the mobile prepaid card acquired from the V & P service system 200 by the mobile payment unit 135.

The UICC 150 stores mobile communication service subscriber authentication information, and can issue a mobile prepaid card. The UICC 150 is required for a mobile communication service and may not be provided for a VoIP service. In addition, since the UICC 150 can directly perform the card virtualization function, when the mobile prepaid card issued to the UICC 150 is virtualized, the HCE unit 140 is not involved.

3. V & P service system

3 is a detailed block diagram of the V & P service system 200 shown in FIG. 3, the V & P service system 200 includes a communication unit 210, a DB (Data Base) 220, a VoIP server 230, an authentication server 240, a card management unit 250, 260 and an SE-array 270.

The communication unit 210 accesses the network and supports communication between the V & P service system 200 and the 'mobile terminal 100 and the external system 300'.

The authentication server 240 performs an authentication procedure to be performed by the V & P service system 200 for user authentication of the mobile terminal 100. To this end, the authentication server 240 interacts with the authentication client 131 of the mobile terminal 100.

The VoIP server 230 performs VoIP-call processing that the user must perform on the side of the V & P service system 200 in order to make VoIP-based phone calls to the mobile terminal 100. To this end, the VoIP server 230 interacts with the VoIP client 133 of the mobile terminal 100.

The billing unit 260 calculates a service cost incurred by the user of the mobile terminal 100 using the VoIP service and covers the calculated service cost from the user's mobile prepaid card.

The card management unit 250 receives the mobile prepaid card from the external system 300 as a user account of the mobile terminal 100 and stores the prepaid card information in the SE- In addition, when there is a card information request from the mobile terminal 100, the card management unit 250 delivers the prepaid card information stored in the SE-

SE-array 270 is a collection of SEs in which mobile prepaid cards are issued / stored. As shown in FIG. 3, a plurality of virtual SEs (vSEs) are included for each SE constituting the SE-array 270.

Specifically, SE-1 includes virtual SE-11 (vSE-11), virtual SE-12 (vSE-12) SE-12 (vSE-22), ... are included. The mobile prepaid card is stored in any one of these virtual SEs.

For systematic management and security of mobile prepaid cards, cards issued by the same SP can be stored in the same SE or cards of the same user can be stored and managed in the same SE.

DB 220 is a repository where user accounts are stored. The user account stores the ID and PW in the user's personal information. In addition, when the mobile prepaid card is issued to the user account, the card management unit 250 stores the location / address of the virtual SE in which the card information is stored, in the DB 220 in association with the user account.

4. Issue a mobile prepaid card

The process of receiving the mobile prepaid card, which is required to receive the V & P service, from the external system 300 will be described in detail with reference to FIG. 4 is a flowchart showing a method of issuing a mobile prepaid card for V & P service according to an embodiment of the present invention.

As shown in FIG. 4, the user downloads and installs the V & P application 130 to the mobile terminal 100 (S405). In order to receive the V & P service by issuing the mobile prepaid card, it is assumed that the V & P application 130 is installed in the mobile terminal 100.

Thereafter, when the user executes the installed V & P application 130 (S410), a connection is made to the V & P service system 200 and the user of the mobile terminal 100 by the interaction of the authentication server 240 and the authentication client 131 Is performed (S415).

After the authentication succeeds, if the user requests the issuance of the prepaid card through the V & P application 130 at step S420, the V & P application 130 requests the V & P service system 200 to issue the prepaid card according to the contents of the user 's application ).

The prepaid card issuance request message in step S425 includes information on the amount of charge and card selection information (when card selection is possible).

The card management unit 250 of the V & P service system 200 designates a virtual SE to which the mobile prepaid card is issued and stored in the SE-array 270 (S430).

Next, the card management unit 250 of the V & P service system 200 requests the external system 300 to issue a mobile prepaid card (S435). The issuance request in step S435 includes a user account for issuing the mobile prepaid card.

If the external system 300 issues the mobile prepaid card in step S440, the V & P service system 200 stores the prepaid card information in the virtual SE designated in step S430 in step S445.

The card management unit 250 updates the DB 220 according to the issuance of the mobile prepaid card (S450). The location / address of the virtual SE in which the newly issued mobile prepaid card is stored is added to the user account of the DB 220 by step S450.

Thereafter, the card management unit 250 notifies the V & P application 130 that the mobile prepaid card issuance is completed (S455).

5. VoIP  service

The process of using the VoIP service by the mobile terminal 100 will be described in detail with reference to FIG. 5 is a flowchart illustrating a VoIP service method using a prepaid card according to another embodiment of the present invention.

As shown in FIG. 5, when the user executes the V & P application 130 (S510), a connection is made to the V & P service system 200, An authentication procedure for the user of the terminal 100 is performed (S520).

After successful authentication, when the user selects VoIP phone function through the V & P application 130 and requests a telephone call to a desired telephone number or account at step S530, the VoIP client 133 transmits a VoIP- (S540).

Then, the VoIP server 230 of the V & P service system 200 processes the VoIP-call to support the VoIP-based phone call through the mobile terminal 100 (S550).

When the VoIP call is completed (S560), the charging unit 260 of the V & P service system 200 requests the external system 300 that issued the mobile prepaid card for charging the VoIP service (S570). The charging processing request in step S570 includes information on the user account using the VoIP service and the billing amount.

The external system 300 processes the requested charging (S580) and notifies the mobile terminal 100 of the balance (S590). The charging process in step S580 is performed by a process of subtracting the corresponding amount of charge from the balance of the mobile prepaid card issued as the user account.

In step S590, the balance notification is preferably performed by transmitting a push message to the V & P application 130, but does not preclude the execution of the balance message through SMS (Short Message Service).

6. Online mobile payment using mobile prepaid card

The process of performing online mobile settlement using a mobile prepaid card will be described in detail with reference to FIG. FIG. 6 is a flowchart provided in an explanation of an online mobile payment method using a mobile prepaid card, according to another embodiment of the present invention.

As shown in FIG. 6, when the user executes the V & P application 130 (S610), a connection is made to the V & P service system 200 and the connection between the authentication server 240 and the authentication client 131 An authentication procedure for the user of the terminal 100 is performed (S620).

After successful authentication, if the user selects the mobile payment function through the V & P application 130 in step S630, the mobile payment unit 135 requests the V & P service system 200 for the prepaid card information in step S640.

Then, the card management unit 250 of the V & P service system 200 transmits the prepaid card information stored in the SE-array 270 to the mobile payment unit 135 (S650).

The HCE unit 140 loads the prepaid card information received by the mobile payment unit 135 in step S650 and virtualizes the prepaid card in step S660 and transmits the prepaid card information to the NFC payment terminal 400 through the NFC module 160 The card information is transmitted (S670).

Then, the payment approval procedure is performed by the interaction between the NFC payment terminal 400 and the external system 300.

7. Offline mobile payment with prepaid card

The mobile settlement shown in FIG. 6 is available only when the mobile terminal 100 can be connected to the V & P service system 200 via a network, by online mobile settlement. This is because the prepaid card information is stored in the V & P service system 200.

In order to enable mobile settlement, that is, offline mobile settlement in a state where the mobile terminal 100 can not be connected to the V & P service system 200 via the network, the V & P application 100 of the mobile terminal 100, It is required that the prepaid card information storage unit 130 holds the prepaid card information 137. [

In this case, the HCE unit 140 loads and virtualizes the prepaid card information 137 held by the V & P application 130.

In the case of offline mobile settlement, the V & P application 130 may have further restrictions 139 on the use of the mobile prepaid card, since there may be a security vulnerability. The limit is to limit the use of mobile prepaid cards for offline payments, including payment limits, payment limits and expiration dates.

That is, it is possible to implement such that settlement exceeding the settlement time limit, settlement beyond the settlement limit, settlement after the expiration date, and the like can not be performed. Here, the payment limit may include at least one of a one-time payment limit, a one-day payment limit, and a total payment limit.

The mobile payment unit 135 checks the limitation of the mobile prepaid card virtualized by the HCE 140 so that the card information is transferred to the NFC payment terminal 400 through the NFC module 160 only when there is no restriction can do.

Confirmation of limitations is to determine whether the number of payments exceeded, whether the payment limit has been exceeded, or whether the validity period has been exceeded.

8. Variation example

The preferred embodiment has been described in detail for the process in which the V & P service system 200 integrally provides the VoIP service and the mobile payment service based on the mobile prepaid card.

In the above embodiment, there is no limitation on the method of issuing the prepaid card in step S440 of FIG. It is possible to generate the prepaid card information based on the user account or the actual card information of the user, as well as generate the prepaid card information using both the user account and the real card information.

Also, in the online mobile settlement of FIG. 6, it is possible to implement a mobile settlement using a prepaid card only when the prepaid card has no preset limitations. Here, the limitation includes the number of settlement times, the payment limit, and the validity period.

The mobile prepaid card referred to in the above embodiment can be replaced with another kind of mobile card. That is, the technical idea of the present invention can also be applied when the mobile prepaid card is replaced with a mobile credit card.

It is also possible to replace the VoIP service with another type of telephone service.

It is also possible to include at least one function of the TSM 310, the FI 320, the MNO / MVNO 330 and the SP 340 in the V & P service system 200. The TSM 310, the FI 320 ), The MNO / MVNO 330, and the SP 340 may include a function in the V & P service system 200.

It goes without saying that the technical idea of the present invention can also be applied to a computer-readable recording medium having a computer program for performing the functions of the apparatus and method according to the present embodiment. In addition, the technical idea according to various embodiments of the present invention may be embodied in computer-readable code form recorded on a computer-readable recording medium. The computer-readable recording medium is any data storage device that can be read by a computer and can store data. For example, the computer-readable recording medium may be a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical disk, a hard disk drive, or the like. In addition, the computer readable code or program stored in the computer readable recording medium may be transmitted through a network connected between the computers.

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 will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

100: mobile terminal 110:
130: V & P application 131: Authentication client
133: VoIP client 135: mobile settlement unit
140: HCE module 160: NFC module
200: V & P service system 230: VoIP server
240: Authentication server 250:
260: Charging part 270: SE-array
400: NFC payment terminal

Claims (19)

A first providing step of providing a telephone service based on a user account to a mobile terminal; And
And a second providing step of providing the mobile terminal with the information of the mobile card issued by the user account.
The method according to claim 1,
And billing the mobile card for a cost incurred by the telephone service.
The method according to claim 1,
Wherein the information of the mobile card comprises:
And is stored in any one of a plurality of virtual SEs included in a plurality of secure elements (SEs).
The method according to claim 1,
Wherein the mobile card comprises:
Wherein the mobile terminal is virtualized and used for mobile settlement.
The method according to claim 1,
And authenticating the user using the user account,
Wherein the first providing step and the second providing step comprise:
Wherein the authentication is performed when the user authentication is successful in the authentication step.
The method according to claim 1,
Receiving a request for issuance of the mobile card from the mobile terminal; And
And performing a procedure necessary for issuing the mobile card to the user account.
The method according to claim 1,
The mobile terminal comprises:
Wherein the mobile terminal is one of a mobile terminal of the user, a mobile terminal of the other, and a mobile terminal that the user has logged into the user account.
The method according to claim 1,
The mobile card information includes:
Wherein the at least one mobile service is generated based on at least one of the user account and real card information.
The method according to claim 1,
Wherein the mobile card comprises:
Wherein the mobile integrated service method is usable only when it does not meet predetermined limitations.
A communication unit for communicating with a user's mobile terminal;
A server for providing a telephone service based on a user account to the mobile terminal; And
And a card management unit for providing the mobile terminal with information on the mobile card issued as the user account.
Requesting and providing a telephone service based on the user account; And
And virtualizing the information of the mobile card issued by the user account to make a mobile payment.
12. The method of claim 11,
Further comprising receiving information of the mobile card,
The mobile payment step may include:
Wherein the information of the mobile card received in the receiving step is virtualized.
13. The method of claim 12,
And an authentication step of performing a user authentication procedure using a user account,
Wherein the providing step and the receiving step comprise:
Wherein the authentication is performed when the user authentication is successful in the authentication step.
12. The method of claim 11,
The virtualization,
Wherein the operating system of the mobile terminal performs a card emulation function without providing a physical SE.
12. The method of claim 11,
The mobile payment step may include:
And transferring information of the virtualized mobile card to the payment terminal in a non-contact manner.
12. The method of claim 11,
Wherein the providing step and the mobile settlement step comprise:
Wherein the mobile application is executed by one application.
12. The method of claim 11,
Wherein the mobile card information is generated based on at least one of the user account and real card information.
12. The method of claim 11,
The mobile payment step may include:
And only when the mobile card does not meet predetermined limitations.
A communication unit for communicating with the integrated service system; And
And a processor for requesting and receiving a phone service based on the user account from the integrated service system, and for virtualizing information of the mobile card issued by the user account to make a mobile settlement.

Images