KR20170006081A - the mobile terminal and Payment method using a mobile terminal - Google Patents

Abstract

According to an embodiment of the present invention, a mobile terminal and a payment method using the mobile terminal are provided. The payment method using the mobile terminal comprises the steps of: searching to find out whether a first mobile terminal and a second mobile terminal are connected to each of a partner mobile terminal; connecting the first mobile terminal and the second mobile terminal to a payment server; and progressing payment by using the mobile terminal connected to the payment server. A safer and more convenient payment method can be provided by using a plurality of mobile terminals.

Description

[0001] The present invention relates to a payment method using a mobile terminal and a mobile terminal,

The present invention relates to a payment method using a mobile terminal, and more particularly, to a payment method using a plurality of mobile terminals and a mobile terminal.

A terminal can be divided into a mobile terminal (mobile / portable terminal) and a stationary terminal according to whether the terminal can be moved or not. The mobile terminal can be divided into a handheld terminal and a vehicle mounted terminal according to whether the user can directly carry the mobile terminal.

The functions of mobile terminals are diversified. For example, there are data and voice communication, photographing and video shooting through a camera, voice recording, music file playback through a speaker system, and outputting an image or video on a display unit. Some terminals are equipped with an electronic game play function or a multimedia player function. In particular, modern mobile terminals can receive multicast signals that provide visual content such as broadcast and video or television programs.

The mobile terminal can be extended to a wearable device that can be worn on the body beyond the dimension that the user mainly grasps and uses. Such a wearable device includes a watch-type mobile terminal, a glass-type mobile terminal, and an HMD (head mounted display).

Among them, Watchdog-type mobile terminals are equipped with electronic functions, communication functions, multimedia functions, and the like in a watch that people always wear.

The mobile terminal may be configured to perform various functions. Examples of such various functions include a data and voice communication function, a function of photographing a video or a moving image through a camera, a voice storage function, a music file playback function through a speaker system, and an image or video display function. Some mobile terminals include additional functions to execute games, and some other mobile terminals are also implemented as multimedia devices. Moreover, recent mobile terminals can receive a broadcast or multicast signal to view a video or television program.

At present, settlement using mobile terminals is being performed in bank financial transactions or commercial transactions. For example, various card information such as card information, electronic passbook, account information, ID (identification, student ID, pass) information, ticket, ticket, coupon, etc. are stored in the IC chip card or the memory of the mobile terminal (plug-in) and can be used for payment or authentication service as a passbook or card substitute.

In particular, in recent years, methods for performing settlement conveniently and securely using a mobile terminal have been researched.

The present invention is directed to solving the above-mentioned problems and other problems. It is an object of the present invention to provide a more secure and convenient payment method and a mobile terminal using a plurality of mobile terminals.

The problems of the present invention are not limited to the above-mentioned problems, and other problems not mentioned can be clearly understood by those skilled in the art from the following description.

According to an aspect of the present invention, there is provided a payment method using a mobile terminal, the method comprising: searching whether a first mobile terminal and a second mobile terminal are connected to each other; Connecting the first mobile terminal or the second mobile terminal with a payment server; And a settlement method using a mobile terminal that proceeds settlement using a mobile terminal connected to the settlement server.

According to another aspect of the present invention, there is provided a mobile terminal comprising: a display; A communication unit for communicating with the partner mobile terminal and the payment server; And a control unit, wherein the control unit searches for whether the counterpart mobile terminal is connected, connects with the payment server, and provides a mobile terminal that proceeds settlement according to connection with the counterpart mobile terminal.

The payment method using the mobile terminal and the effect of the mobile terminal according to the present invention will now be described.

According to at least one of the embodiments of the present invention, it is possible to provide a more secure and convenient payment method using a plurality of mobile terminals.

In addition, according to at least one embodiment of the present invention, settlement is made only when a plurality of mobile terminals are connected, and stability is secured during payment.

The effects according to the present invention are not limited by the contents exemplified above, and more various effects are included in the specification.

1 is a block diagram illustrating a mobile terminal according to the present invention.
2 is a diagram of a system for explaining a payment method using a mobile terminal according to an embodiment of the present invention.
3 is a flowchart illustrating a payment method using a mobile terminal according to an embodiment of the present invention.
4 is a diagram for explaining a method for limiting a settlement amount according to a connection state between a plurality of mobile terminals according to an embodiment of the present invention.
5 and 6 are diagrams illustrating a method of displaying payment means in a mobile terminal according to various embodiments of the present invention.
7 is a diagram for explaining a method of transmitting a payment means among mobile terminals according to an embodiment of the present invention.
8 to 10 illustrate a method of displaying information on another mobile terminal connected to the mobile terminal when the mobile terminal is in the process of payment or when payment is completed.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals are used to designate identical or similar elements, and redundant description thereof will be omitted. The suffix "module" and " part "for the components used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role. In the following description of the embodiments of the present invention, a detailed description of related arts will be omitted when it is determined that the gist of the embodiments disclosed herein may be blurred. It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. , ≪ / RTI > equivalents, and alternatives.

1 is a block diagram illustrating a mobile terminal according to the present invention.

The mobile terminal 100 includes a wireless communication unit 110, an input unit 120, a sensing unit 140, an output unit 150, an interface unit 160, a memory 170, a control unit 180, and a power supply unit 190 ), And the like. The components shown in FIG. 1 are not essential for implementing a mobile terminal, so that the mobile terminal described herein may have more or fewer components than the components listed above.

The wireless communication unit 110 may be connected between the mobile terminal 100 and the wireless communication system or between the mobile terminal 100 and another mobile terminal 100 or between the mobile terminal 100 and the external server 100. [ Lt; RTI ID = 0.0 > wireless < / RTI > In addition, the wireless communication unit 110 may include one or more modules for connecting the mobile terminal 100 to one or more networks.

The wireless communication unit 110 may include at least one of a broadcast receiving module 111, a mobile communication module 112, a wireless Internet module 113, a short distance communication module 114, and a location information module 115 .

The input unit 120 includes a camera 121 or an image input unit for inputting a video signal, a microphone 122 for inputting an audio signal, an audio input unit, a user input unit 123 for receiving information from a user A touch key, a mechanical key, and the like). The voice data or image data collected by the input unit 120 may be analyzed and processed by a user's control command.

The sensing unit 140 may include at least one sensor for sensing at least one of information in the mobile terminal, surrounding environment information surrounding the mobile terminal, and user information. For example, the sensing unit 140 may include a proximity sensor 141, an illumination sensor 142, a touch sensor, an acceleration sensor, a magnetic sensor, A G-sensor, a gyroscope sensor, a motion sensor, an RGB sensor, an infrared sensor, a finger scan sensor, an ultrasonic sensor, A microphone 226, a battery gauge, an environmental sensor (for example, a barometer, a hygrometer, a thermometer, a radiation detection sensor, A thermal sensor, a gas sensor, etc.), a chemical sensor (e.g., an electronic nose, a healthcare sensor, a biometric sensor, etc.). Meanwhile, the mobile terminal disclosed in the present specification can combine and utilize information sensed by at least two of the sensors.

The output unit 150 includes at least one of a display unit 151, an acoustic output unit 152, a haptic tip module 153, and a light output unit 154 to generate an output related to visual, auditory, can do. The display unit 151 may have a mutual layer structure with the touch sensor or may be integrally formed to realize a touch screen. The touch screen may function as a user input unit 123 that provides an input interface between the mobile terminal 100 and a user and may provide an output interface between the mobile terminal 100 and a user.

The interface unit 160 serves as a path to various types of external devices connected to the mobile terminal 100. The interface unit 160 is connected to a device having a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, And may include at least one of a port, an audio I / O port, a video I / O port, and an earphone port. In the mobile terminal 100, corresponding to the connection of the external device to the interface unit 160, it is possible to perform appropriate control related to the connected external device.

In addition, the memory 170 stores data supporting various functions of the mobile terminal 100. The memory 170 may store a plurality of application programs or applications running on the mobile terminal 100, data for operation of the mobile terminal 100, and commands. At least some of these applications may be downloaded from an external server via wireless communication. Also, at least a part of these application programs may exist on the mobile terminal 100 from the time of shipment for the basic functions (e.g., telephone call receiving function, message receiving function, and calling function) of the mobile terminal 100. Meanwhile, the application program may be stored in the memory 170, installed on the mobile terminal 100, and may be operated by the control unit 180 to perform the operation (or function) of the mobile terminal.

In addition to the operations related to the application program, the control unit 180 typically controls the overall operation of the mobile terminal 100. The control unit 180 may process or process signals, data, information, and the like input or output through the above-mentioned components, or may drive an application program stored in the memory 170 to provide or process appropriate information or functions to the user.

In addition, the controller 180 may control at least some of the components illustrated in FIG. 1 in order to drive an application program stored in the memory 170. In addition, the controller 180 may operate at least two of the components included in the mobile terminal 100 in combination with each other for driving the application program.

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power to the components included in the mobile terminal 100. The power supply unit 190 includes a battery, which may be an internal battery or a replaceable battery.

At least some of the components may operate in cooperation with one another to implement a method of operation, control, or control of a mobile terminal according to various embodiments described below. In addition, the operation, control, or control method of the mobile terminal may be implemented on the mobile terminal by driving at least one application program stored in the memory 170. [

Hereinafter, the components listed above will be described in more detail with reference to FIG. 1 before explaining various embodiments implemented through the mobile terminal 100 as described above.

First, referring to the wireless communication unit 110, the broadcast receiving module 111 of the wireless communication unit 110 receives broadcast signals and / or broadcast-related information from an external broadcast management server through a broadcast channel. The broadcast channel may include a satellite channel and a terrestrial channel. Two or more broadcast receiving modules may be provided to the mobile terminal 100 for simultaneous broadcast reception or broadcast channel switching for at least two broadcast channels.

The mobile communication module 112 may be a mobile communication module or a mobile communication module such as a mobile communication module or a mobile communication module that uses technology standards or a communication method (e.g., Global System for Mobile communication (GSM), Code Division Multi Access (CDMA), Code Division Multi Access 2000 (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE) And an external terminal, or a server on a mobile communication network established according to a long term evolution (e. G., Long Term Evolution-Advanced).

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 mobile terminal 100. The wireless Internet module 113 is configured to transmit and receive a wireless signal in a communication network according to wireless Internet technologies.

Wireless Internet technologies include, for example, wireless LAN (WLAN), wireless fidelity (Wi-Fi), wireless fidelity (Wi-Fi) Direct, DLNA (Digital Living Network Alliance), WiBro Interoperability for Microwave Access, High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE) and Long Term Evolution-Advanced (LTE-A) 113 transmit and receive data according to at least one wireless Internet technology, including Internet technologies not listed above.

The wireless Internet module 113 for performing a wireless Internet connection through the mobile communication network can be used for wireless Internet access by WiBro, HSDPA, HSUPA, GSM, CDMA, WCDMA, LTE or LTE- May be understood as a kind of the mobile communication module 112.

The short-range communication module 114 is for short-range communication, and includes a Bluetooth, a Radio Frequency Identification (RFID), an Infrared Data Association (IrDA), an Ultra Wideband (UWB), a ZigBee, Near Field Communication), Wi-Fi (Wireless-Fidelity), Wi-Fi Direct, and Wireless USB (Wireless Universal Serial Bus) technology. The short-range communication module 114 is connected to the mobile terminal 100 and the wireless communication system through the wireless area networks, between the mobile terminal 100 and another mobile terminal 100, or between the mobile terminal 100 ) And the other mobile terminal 100 (or the external server). The short-range wireless communication network may be a short-range wireless personal area network.

The position information module 115 is a module for obtaining the position (or current position) of the mobile terminal, and a representative example thereof is a Global Positioning System (GPS) module or a Wireless Fidelity (WiFi) module. For example, when the mobile terminal utilizes the GPS module, it can acquire the position of the mobile terminal by using a signal transmitted from the GPS satellite. As another example, when the mobile terminal utilizes the Wi-Fi module, it can acquire the position of the mobile terminal based on information of a wireless access point (AP) that transmits or receives the wireless signal with the Wi-Fi module. Optionally, the location information module 115 may perform any of the other functions of the wireless communication unit 110 to obtain data relating to the location of the mobile terminal, in addition or alternatively. The location information module 115 is a module used to obtain the location (or current location) of the mobile terminal, and is not limited to a module that directly calculates or obtains the location of the mobile terminal.

Next, the input unit 120 is for inputting image information (or signal), audio information (or signal), data, or information input from a user. For inputting image information, Or a plurality of cameras 121 may be provided. 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 may be displayed on the display unit 151 or stored in the memory 170. [ A plurality of cameras 121 provided in the mobile terminal 100 may be arranged to have a matrix structure and various angles or foci may be provided to the mobile terminal 100 through the camera 121 having the matrix structure A plurality of pieces of image information can be input. In addition, the plurality of cameras 121 may be arranged in a stereo structure to acquire a left image and a right image for realizing a stereoscopic image.

The microphone 122 processes the external acoustic signal into electrical voice data. The processed voice data can be utilized variously according to a function (or a running application program) being executed in the mobile terminal 100. Meanwhile, the microphone 122 may be implemented with various noise reduction algorithms for eliminating noise generated in receiving an external sound signal.

The user input unit 123 is for receiving information from a user and when the information is inputted through the user input unit 123, the control unit 180 can control the operation of the mobile terminal 100 to correspond to the input information . The user input unit 123 may include a mechanical input means (or a mechanical key such as a button located on the front or side of the mobile terminal 100, a dome switch, a jog wheel, Switches, etc.) and touch-based input means. For example, the touch-type input means may comprise a virtual key, a soft key or a visual key displayed on the touch screen through software processing, And a touch key disposed on the touch panel. Meanwhile, the virtual key or the visual key can be displayed on a touch screen having various forms, for example, a graphic, a text, an icon, a video, As shown in FIG.

The sensing unit 140 senses at least one of information in the mobile terminal, surrounding environment information surrounding the mobile terminal, and user information, and generates a corresponding sensing signal. The control unit 180 may control the driving or operation of the mobile terminal 100 or may perform data processing, function or operation related to the application program installed in the mobile terminal 100 based on the sensing signal. Representative sensors among various sensors that may be included in the sensing unit 140 will be described in more detail.

First, the proximity sensor 141 refers to a sensor that detects the presence of an object approaching a predetermined detection surface, or the presence of an object in the vicinity of the detection surface, without mechanical contact by using electromagnetic force or infrared rays. The proximity sensor 141 may be disposed in the inner area of the mobile terminal or in proximity to the touch screen, which is covered by the touch screen.

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. In the case where the touch screen is electrostatic, the proximity sensor 141 can be configured to detect the proximity of the object with a change of the electric field along the proximity of the object having conductivity. In this case, the touch screen (or touch sensor) itself may be classified as a proximity sensor.

On the other hand, for convenience of explanation, the act of recognizing that the object is located on the touch screen in proximity with no object touching the touch screen is referred to as "proximity touch & The act of actually touching an object on the screen is called a "contact touch. &Quot; The position at which the object is closely touched on the touch screen means a position where the object corresponds to the touch screen vertically when the object is touched. The proximity sensor 141 can detect 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, have. Meanwhile, the control unit 180 processes data (or information) corresponding to the proximity touch operation and the proximity touch pattern sensed through the proximity sensor 141 as described above, and further provides visual information corresponding to the processed data It can be output on the touch screen. Furthermore, the control unit 180 can control the mobile terminal 100 such that different operations or data (or information) are processed according to whether the touch to the same point on the touch screen is a proximity touch or a touch touch .

The touch sensor uses a touch (or touch input) applied to the touch screen (or the display unit 151) by using at least one of various touch methods such as a resistance film type, a capacitive type, an infrared type, an ultrasonic type, Detection.

For example, the touch sensor may be configured to convert a change in a pressure applied to a specific portion of the touch screen or a capacitance generated in a specific portion to an electrical input signal. The touch sensor may be configured to detect a position, an area, a pressure at the time of touch, a capacitance at the time of touch, and the like where a touch object touching the touch screen is touched on the touch sensor. Here, the touch object may be a finger, a touch pen, a stylus pen, a pointer, or the like as an object to which a touch is applied to the touch sensor.

Thus, when 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. Here, the touch controller may be a separate component from the control unit 180, and may be the control unit 180 itself.

On the other hand, the control unit 180 may perform different controls or perform the same control according to the type of the touch object touching the touch screen (or a touch key provided on the touch screen). Whether to perform different controls or to perform the same control according to the type of the touch object may be determined according to the current state of the mobile terminal 100 or an application program being executed.

On the other hand, the touch sensors and the proximity sensors discussed above can be used independently or in combination to provide a short touch (touch), a long touch, a multi touch, a drag touch ), Flick touch, pinch-in touch, pinch-out touch, swipe touch, hovering touch, and the like. Touch can be sensed.

The ultrasonic sensor can recognize the position information of the object to be sensed by using ultrasonic waves. Meanwhile, the controller 180 can calculate the position of the wave generating source through the information sensed by the optical sensor and the plurality of ultrasonic sensors. The position of the wave source can be calculated using the fact that the light is much faster than the ultrasonic wave, that is, the time when the light reaches the optical sensor is much faster than the time the ultrasonic wave reaches the ultrasonic sensor. More specifically, the position of the wave generating source can be calculated using the time difference with the time when the ultrasonic wave reaches the reference signal.

The camera 121 includes at least one of a camera sensor (for example, a CCD, a CMOS, etc.), a photo sensor (or an image sensor), and a laser sensor.

The camera 121 and the laser sensor may be combined with each other to sense a touch of the sensing object with respect to the three-dimensional stereoscopic image. The photosensor can be laminated to the display element, which is adapted to scan the movement of the object to be detected proximate to the touch screen. More specifically, the photosensor mounts photo diodes and TRs (Transistors) in a row / column and scans the contents loaded on the photosensor using an electrical signal that varies according to the amount of light applied to the photo diode. That is, the photo sensor performs coordinate calculation of the object to be sensed according to the amount of change of light, and position information of the object to be sensed can be obtained through the calculation.

The display unit 151 displays (outputs) information processed by the mobile terminal 100. For example, the display unit 151 may display execution screen information of an application program driven by the mobile terminal 100 or UI (User Interface) and GUI (Graphic User Interface) information according to the execution screen information .

The sound output unit 152 may output audio data received from the wireless communication unit 110 or stored in the memory 170 in a call signal reception mode, a call mode or a recording mode, a voice recognition mode, a broadcast reception mode, The sound output unit 152 also outputs sound signals related to functions (e.g., call signal reception sound, message reception sound, etc.) performed in the mobile terminal 100. [ The audio output unit 152 may include a receiver, a speaker, a buzzer, and the like.

The haptic module 153 generates various tactile effects that the user can feel. A typical example of the haptic effect generated by the haptic module 153 may be vibration. The intensity and pattern of the vibration generated in the haptic module 153 can be controlled by the user's selection or the setting of the control unit. For example, the haptic module 153 may synthesize and output different vibrations or sequentially output the vibrations.

In addition to vibration, the haptic module 153 may be configured to perform various functions such as 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, 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 153 can transmit the tactile effect through the direct contact, and the tactile effect can be felt by the user through the muscles of the finger or arm. The haptic module 153 may include two or more haptic modules 153 according to the configuration of the mobile terminal 100.

The light output unit 154 outputs a signal for notifying the occurrence of an event using the light of the light source of the mobile terminal 100. Examples of events that occur in the mobile terminal 100 may include message reception, call signal reception, missed call, alarm, schedule notification, email reception, information reception through an application, and the like.

The signal output from the light output unit 154 is implemented as the mobile terminal emits light of a single color or a plurality of colors to the front or rear surface. The signal output may be terminated by the mobile terminal detecting the event confirmation of the user.

The interface unit 160 serves as a path for communication with all external devices connected to the mobile terminal 100. The interface unit 160 receives data from an external device or supplies power to each component in the mobile terminal 100 or allows data in the mobile terminal 100 to be transmitted to an external device. For example, a port for connecting a device equipped with a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, an audio I / O port, a video I / O port, an earphone port, and the like may be included in the interface unit 160.

The identification module is a chip for storing various information for authenticating the use right of the mobile terminal 100 and includes a user identification module (UIM), a subscriber identity module (SIM) A universal subscriber identity module (USIM), and the like. Devices with identification modules (hereinafter referred to as "identification devices") can be manufactured in a smart card format. Accordingly, the identification device can be connected to the terminal 100 through the interface unit 160. [

The interface unit 160 may be a path through which power from the cradle is supplied to the mobile terminal 100 when the mobile terminal 100 is connected to an external cradle, And various command signals may be transmitted to the mobile terminal 100. The various command signals or the power source input from the cradle may be operated as a signal for recognizing that the mobile terminal 100 is correctly mounted on the cradle.

The memory 170 may store a program for the operation of the controller 180 and temporarily store input / output data (e.g., a phone book, a message, a still image, a moving picture, etc.). The memory 170 may store data on vibration and sound of various patterns outputted when a touch is input on the touch screen.

The memory 170 may be a flash memory type, a hard disk type, a solid state disk type, an SDD type (Silicon Disk Drive type), a multimedia card micro type ), Card type memory (e.g., SD or XD memory), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read memory, a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, and / or an optical disk. The mobile terminal 100 may operate in association with a web storage that performs the storage function of the memory 170 on the Internet.

Meanwhile, as described above, the control unit 180 controls the operations related to the application program and the general operation of the mobile terminal 100. [ For example, when the state of the mobile terminal meets a set condition, the control unit 180 can execute or release a lock state for restricting input of a user's control command to applications.

In addition, the control unit 180 performs control and processing related to voice communication, data communication, video call, or the like, or performs pattern recognition processing to recognize handwriting input or drawing input performed on the touch screen as characters and images, respectively . Further, the controller 180 may control any one or a plurality of the above-described components in order to implement various embodiments described below on the mobile terminal 100 according to the present invention.

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power necessary for operation of the respective components. The power supply unit 190 includes a battery, the battery may be an internal battery configured to be chargeable, and may be detachably coupled to the terminal body for charging or the like.

In addition, the power supply unit 190 may include a connection port, and the connection port may be configured as an example of an interface 160 through which an external charger for supplying power for charging the battery is electrically connected.

As another example, the power supply unit 190 may be configured to charge the battery in a wireless manner without using the connection port. In this case, the power supply unit 190 may use at least one of an inductive coupling method based on the magnetic induction phenomenon and a magnetic resonance coupling based on the electromagnetic resonance phenomenon from an external wireless power transmission apparatus Power can be delivered.

Next, a communication system that can be implemented through the mobile terminal 100 according to the present invention will be described.

First, the communication system may use different wireless interfaces and / or physical layers. For example, wireless interfaces that can be used by a communication system include Frequency Division Multiple Access (FDMA), Time Division Multiple Access (TDMA), Code Division Multiple Access (CDMA) ), Universal mobile telecommunication systems (UMTS) (in particular Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A)), Global System for Mobile Communications May be included.

Hereinafter, for the sake of convenience of description, the description will be limited to CDMA. However, it is apparent that the present invention can be applied to all communication systems including an OFDM (Orthogonal Frequency Division Multiplexing) wireless communication system as well as a CDMA wireless communication system.

A CDMA wireless communication system includes at least one terminal 100, at least one base station (BS) (also referred to as a Node B or Evolved Node B), at least one Base Station Controllers (BSCs) , And a Mobile Switching Center (MSC). The MSC is configured to be coupled to a Public Switched Telephone Network (PSTN) and BSCs. The BSCs may be paired with the BS via a backhaul line. The backhaul line may be provided according to at least one of E1 / T1, ATM, IP, PPP, Frame Relay, HDSL, ADSL or xDSL. Thus, a plurality of BSCs may be included in a CDMA wireless communication system.

Each of the plurality of BSs may comprise at least one sector, and each sector may comprise an omnidirectional antenna or an antenna pointing to a particular direction of radial emission from the BS. In addition, each sector may include two or more antennas of various types. Each BS may be configured to support a plurality of frequency assignments, and a plurality of frequency assignments may each have a specific spectrum (e.g., 1.25 MHz, 5 MHz, etc.).

The intersection of sector and frequency assignment may be referred to as a CDMA channel. The BS may be referred to as a base station transceiver subsystem (BTSs). In this case, a combination of one BSC and at least one BS may be referred to as a " base station ". The base station may also indicate a "cell site ". Alternatively, each of the plurality of sectors for a particular BS may be referred to as a plurality of cell sites.

A broadcasting transmitter (BT) transmits a broadcasting signal to mobile terminals (100) operating in the system. The broadcast receiving module 111 shown in FIG. 1 is provided in the terminal 100 to receive a broadcast signal transmitted by the BT.

In addition, a Global Positioning System (GPS) may be associated with the CDMA wireless communication system to identify the location of the mobile terminal 100. The satellite 300 aids in locating the mobile terminal 100. Useful location information may be obtained by two or more satellites. Here, the position of the mobile terminal 100 can be tracked using all the techniques capable of tracking the location as well as the GPS tracking technology. Also, at least one of the GPS satellites may optionally or additionally be responsible for satellite DMB transmissions.

The location information module 115 included in the mobile terminal is for detecting, computing, or identifying the location of the mobile terminal, and may include a Global Position System (GPS) module and a WiFi (Wireless Fidelity) module. Optionally, the location information module 115 may perform any of the other functions of the wireless communication unit 110 to obtain data relating to the location of the mobile terminal, in addition or alternatively.

The GPS module 115 calculates distance information and accurate time information from three or more satellites and then applies trigonometry to the calculated information to accurately calculate three-dimensional current location information according to latitude, longitude, and altitude can do. At present, a method of calculating position and time information using three satellites and correcting an error of the calculated position and time information using another satellite is widely used. In addition, the GPS module 115 can calculate speed information by continuously calculating the current position in real time. However, it is difficult to accurately measure the position of the mobile terminal by using the GPS module in the shadow area of the satellite signal as in the room. Accordingly, a WPS (WiFi Positioning System) can be utilized to compensate the positioning of the GPS system.

The WiFi Positioning System (WPS) is a system in which a mobile terminal 100 uses a WiFi module included in the mobile terminal 100 and a wireless AP (wireless access point) transmitting or receiving a wireless signal with the WiFi module, Is a technology for tracking a location of a wireless local area network (WLAN) using WiFi.

The WiFi location tracking system may include a Wi-Fi location server, a mobile terminal 100, a wireless AP connected to the mobile terminal 100, and a database in which certain wireless AP information is stored.

The mobile terminal 100 connected to the wireless AP can transmit the location information request message to the Wi-Fi location server.

The Wi-Fi position location server extracts information of the wireless AP connected to the mobile terminal 100 based on the location information request message (or signal) of the mobile terminal 100. The information of the wireless AP connected to the mobile terminal 100 may be transmitted to the Wi-Fi position location server through the mobile terminal 100, or may be transmitted from the wireless AP to the Wi-Fi location server.

The information of the wireless AP to be extracted based on the location information request message of the mobile terminal 100 includes a MAC address, an SSID (Service Set IDentification), a Received Signal Strength Indicator (RSSI), a Reference Signal Received Power (RSRP) Reference Signal Received Quality), channel information, Privacy, Network Type, Signal Strength, and Noise Strength.

As described above, the Wi-Fi position location server can receive the information of the wireless AP connected to the mobile terminal 100 and extract the wireless AP information corresponding to the wireless AP to which the mobile terminal is connected from the pre-established database. In this case, the information of any wireless APs stored in the database includes at least one of MAC address, SSID, channel information, privacy, network type, radius coordinates of the wireless AP, building name, Available), the address of the AP owner, telephone number, and the like. At this time, in order to remove the wireless AP provided using the mobile AP or the illegal MAC address in the positioning process, the Wi-Fi location server may extract only a predetermined number of wireless AP information in order of RSSI.

Then, the Wi-Fi location server can extract (or analyze) the location information of the mobile terminal 100 using at least one wireless AP information extracted from the database. And compares the received information with the received wireless AP information to extract (or analyze) the location information of the mobile terminal 100.

As a method for extracting (or analyzing) the position information of the mobile terminal 100, a Cell-ID method, a fingerprint method, a triangulation method, and a landmark method can be utilized.

The Cell-ID method is a method of determining the position of the mobile station with the strongest signal strength among neighboring wireless AP information collected by the mobile terminal. Although the implementation is simple, it does not cost extra and it can acquire location information quickly, but there is a disadvantage that positioning accuracy is lowered when the installation density of the wireless AP is low.

The fingerprint method collects signal strength information by selecting a reference position in a service area, and estimates the position based on the signal strength information transmitted from the mobile terminal based on the collected information. In order to use the fingerprint method, it is necessary to previously convert the propagation characteristics into a database.

The triangulation method is a method of calculating the position of the mobile terminal based on the coordinates of at least three wireless APs and the distance between the mobile terminals. (Time of Arrival, ToA), Time Difference of Arrival (TDoA) in which a signal is transmitted, and the time difference between the wireless AP and the wireless AP, in order to measure the distance between the mobile terminal and the wireless AP. , An angle at which a signal is transmitted (Angle of Arrival, AoA), or the like.

The landmark method is a method of measuring the position of a mobile terminal using a landmark transmitter that knows the location.

Various algorithms can be utilized as a method for extracting (or analyzing) the location information of the mobile terminal.

The location information of the extracted mobile terminal 100 is transmitted to the mobile terminal 100 via the Wi-Fi location server, so that the mobile terminal 100 can acquire the location information.

The mobile terminal 100 may be connected to at least one wireless AP to obtain location information. At this time, the number of wireless APs required to acquire the location information of the mobile terminal 100 may be variously changed according to the wireless communication environment in which the mobile terminal 100 is located.

In the following, various embodiments may be embodied in a recording medium readable by a computer or similar device using, for example, software, hardware, or a combination thereof.

2 is a diagram of a system for explaining a payment method using a mobile terminal according to an embodiment of the present invention.

The first mobile terminal 101 of the watch type shown in Fig. 2 and the second mobile terminal 102 of the smart phone type are one kind of mobile terminal and may include all the components shown in Fig.

The payment server 200 shown in FIG. 2 is a server for processing a payment request of the mobile terminal 100, and is not limited to a specific type of server and includes all servers generally used for online settlement.

Referring to FIG. 2, a payment method using a mobile terminal according to the present invention includes at least a first mobile terminal 101, a second mobile terminal 102, and a payment server 200.

The first mobile terminal 101 and the second mobile terminal 102 are typically used by a single user. According to an embodiment of the present invention, the first mobile terminal 101 may be worn on the user's wrist by a watch-type mobile terminal, and the second mobile terminal 102 may be a smart phone type mobile terminal. The first mobile terminal 101 and the second mobile terminal 102 may be connected to each other using local area communication. The local area communication may be, for example, Bluetooth, but the communication method is not limited.

The first mobile terminal 101 and the second mobile terminal 102 may be individually connected to the payment server 200 including a separate controller and a wireless communication unit and may be connected to the first mobile terminal 101 and the second mobile terminal 102, When only a part of the payment server 102 is connected to the wireless communication network, data can be exchanged with the payment server 200 by sharing a wireless communication network. For example, when a smartphone is connected to a wireless communication network, one of the first mobile terminal 101 and the second mobile terminal 102, such as another mobile terminal 100 can connect to a wireless communication network using tethering, Both the first mobile terminal 101 and the second mobile terminal 102 can exchange data with the payment server 200 using the wireless communication network even when the mobile terminal 100 is connected to the wireless communication network.

In addition, the first mobile terminal 101 and the second mobile terminal 102 can perform data transmission / reception using short-range communication, and can synchronize data using the data transmission / reception. However, since the first mobile terminal 101 and the second mobile terminal 102 are separate mobile terminals 100, one of the first mobile terminal 101 and the second mobile terminal 102 can communicate with another mobile terminal 100 And may serve as a separate mobile terminal 100 of the first mobile terminal 101 and the second mobile terminal 102, respectively.

2, the first mobile terminal 101 is shown as a watch type and the second mobile terminal 102 is shown as a smart phone type for convenience of explanation. The type of the mobile terminal 100 is not limited to that shown in Fig. Also, the first mobile terminal 101 and the second mobile terminal 102 may include all of the configurations shown in FIG. In the following embodiments, the screen of the display unit 251 of the first mobile terminal 101 may be circular, but it is not limited thereto, and may be an elliptical shape or a square shape.

3 is a flowchart illustrating a payment method using the mobile terminal 100 according to an embodiment of the present invention.

It is checked whether the first mobile terminal 101 and the second mobile terminal 102 are connected to each other (S110).

The first mobile terminal 101 and the second mobile terminal 102 may be connected using a short-range wireless communication network. The mobile terminal 100 may include a short range communication module 114 and the short range communication module 114 may detect (or recognize) another mobile terminal 100 capable of communicating with the mobile terminal 100. Further, the control unit 180 of the mobile terminal 100 may be configured to control at least a part of the data processed in the mobile terminal 100, if the other mobile terminal 100 is a device authenticated to communicate with the mobile terminal 100 according to the present invention To the other mobile terminal (100) through the short range communication module (114). Accordingly, the user of another mobile terminal 100 can use the data processed by the mobile terminal 100 through the other mobile terminal 100. For example, according to this, the user can make a telephone call through the second mobile terminal 102 when a call is received to the first mobile terminal 101, , It is possible to confirm the received message via the second mobile terminal 102. [ The step of detecting whether the first mobile terminal 101 and the second mobile terminal 102 are connected to each other may be repeated periodically or may be retrieved when a specific event occurs.

According to another embodiment of the present invention, the method further includes the step of allowing the payment only when the first mobile terminal 101 and the second mobile terminal 102 are connected to the partner mobile terminal 100 in the searching step It is possible. That is, when the first mobile terminal 101 and the second mobile terminal 102 are not connected to each other, the mobile terminal 100 can be prevented from being settled.

Accordingly, when a payment is made using the second mobile terminal 102 which is easy to be lost, there is a security problem due to the loss, but there is a risk that the first mobile terminal 101 is connected to the second mobile terminal 102, the security can be enhanced. Also, since the display unit that displays the screen and receives the information can proceed the settlement using the second mobile terminal 102 rather than the first mobile terminal 101 having a relatively small size, more convenient settlement can be performed. Therefore, the advantage of this feature of the present invention is that it is possible to easily settle payment using a wider input window while enhancing security.

The first mobile terminal 101 or the second mobile terminal 102 connects to the payment server 200 (S120).

According to an embodiment of the present invention, the settlement using the mobile terminal 100 is not limited to one of the first mobile terminal 101 and the second mobile terminal 102, ) Or the second mobile terminal 102 via a network.

The payment server 200 may be a server connected online and the mobile terminal 100 may access the online server through the internet module 113 of the mobile terminal 100 or may be connected to the payment server 200. [ The terminal 100 may be connected to the payment server 200 by connecting to the terminal of the payment server 200 using the local communication module 114. [ For example, when a payment is made at a convenience store having an NFC terminal, when the mobile terminal 100 is brought into close contact with the NFC terminal, the mobile terminal 100 is connected to the terminal in the convenience store of the payment server 200, The payment server 100 and the payment server 200 may be connected. That is, according to one embodiment of the present invention, the connection method between the payment server 200 and the mobile terminal 100 is not limited to the wireless communication using the Internet module 113, but can be connected with various communication methods such as short- have.

When the mobile terminal 100 is connected to the payment server 200, the display unit 151 of the mobile terminal 100 can display the settlement payment means.

According to an embodiment of the present invention, since the size of the display unit 151 of the first mobile terminal 101 is small, one payment means can be displayed. In the case of the second mobile terminal 102, ) Is relatively large, two or more payment means can be displayed. One of the payment means displayed on the first mobile terminal 101 or the second mobile terminal 102 may be selected by the user's selection and proceed to the next payment step.

5 is a view for explaining a method of displaying payment means in the mobile terminal 100 according to various embodiments of the present invention.

5, an A card 501 may be displayed on the first mobile terminal 101, and an A card 505 to a D card 502 may be displayed on the second mobile terminal 102. That is, the method may further include the step of displaying payment means that can be settled to the first mobile terminal 101 and / or the second mobile terminal 102. [

 According to an embodiment of the present invention, since the size of the display unit 151 of the first mobile terminal 101 is small, one payment means can be displayed. In the case of the second mobile terminal 102, ) Is relatively large, two or more payment means can be displayed. One of the payment means displayed on the first mobile terminal 101 or the second mobile terminal 102 may be selected by the user's selection and proceed to the next payment step.

However, the display method of the payment means displayed on the first mobile terminal 101 and the second mobile terminal 102 is not limited to the method disclosed in Fig. 5 and may be displayed in various ways that the user can recognize as payment means It is possible. Also, the number of the payment means to be displayed is not limited.

According to an embodiment of the present invention, the payment means may be a credit card. However, the payment means is not limited to a credit card but may be various payment means that can be displayed on the mobile terminal 100.

6 is a view for explaining a method of displaying payment means in the mobile terminal 100 according to various embodiments of the present invention.

6, an A card 601 may be displayed on the first mobile terminal 101, and an A card 605 to a D card 602 may be displayed on the second mobile terminal 102. [ However, according to another embodiment of the present invention, it is possible to indicate whether payment is possible for each payment means according to whether the first mobile terminal 101 and the second mobile terminal 102 are connected. That is, the method may further include determining whether the payment means is settleable according to the mutual connection state of the first mobile terminal 101 and the second mobile terminal 102, and displaying whether or not the payment means is settleable .

For example, in the case of A card 601 displayed on the first mobile terminal 101 in Fig. 6, B card 604 and C card 603 displayed on the second mobile terminal 102, the first mobile terminal 101 And the second mobile terminal 102 are not connected to each other, the selected payment line is displayed as a selectable solid line. In the case of the payment means indicated by the solid line, the controller 180 can proceed with payment regardless of whether the first mobile terminal 101 and the second mobile terminal 102 are connected or not. However, in the case of the A card 605 and the D card 602 displayed on the second mobile terminal 102, when the first mobile terminal 101 and the second mobile terminal 102 are not connected or closed, Can be limited. In such a case, when the payment is limited payment means, the control unit 180 displays the payment means as a dotted line or blurred to display a payment means that is not settled.

7 is a diagram illustrating a method of transmitting payment means among mobile terminals 100 according to an embodiment of the present invention.

Referring to FIG. 7, the controller 180 may transmit information on the payment means stored in the first mobile terminal 101 and the second mobile terminal 102 to the other mobile terminal 100. In other words, it is possible to proceed with payment by further transmitting the information on the settlement payment means to the counterpart mobile terminal 100. [

The method of transmitting information on the payment means to the connected counterpart terminal may be performed by clicking and dragging the payment means displayed on the display unit 151. [ 7, when a gesture designated in advance to a payment means desired to be transmitted to the first mobile terminal 101 is input from the payment means displayed on the display unit 151 of the second mobile terminal 102, The information on the payment means stored in the payment means 701 can be transmitted to the first mobile terminal 101. In the case of FIG. 7, the gesture 711 for drawing a circle is input to the payment means 701, Information may be transmitted to the first mobile terminal 101 and the payment means 702 displayed on the first mobile terminal 101 may be changed to the payment means 701 transmitted from the second mobile terminal 102. [

However, the method of transmitting information on the payment means is not limited to the above-described method, and may be transmitted through various UIs.

The payment is made using the mobile terminal 100 connected to the payment server 200 (S130).

The settlement may proceed in the mobile terminal 100 connected to the payment server 200 among the first mobile terminal 101 or the second mobile terminal 102. [

The settlement in the mobile terminal 100 is performed by encrypting the information on the settlement means stored in the mobile terminal 100 and transmitting the encrypted information to the settlement server 200. Payment can be performed by various methods that are commercialized.

In the embodiment of the present invention, when the settlement proceeds in the first mobile terminal 101 or the second mobile terminal 102, information on settlement is displayed only in the mobile terminal 100 in which payment is actually proceeding. In other words, each of the mobile terminals 100 can operate independently, and payment can be made only by one mobile terminal 100. [

According to another embodiment of the present invention, when the first mobile terminal 101 and the second mobile terminal 102 are connected to the counterpart mobile terminal 100, payment is made using the terminal connected to the payment server 200 And displaying information related to settlement to the counterpart mobile terminal 100 when the counterpart mobile terminal 100 is in progress.

8 is a diagram for explaining a method of displaying information on another mobile terminal 100 connected to the mobile terminal 100 when the mobile terminal 100 is making a payment.

For example, when a call is received while the second mobile terminal 102 is in the process of being paid, if the information about the call is displayed on the second mobile terminal 102, the user may interfere with the payment. The caller information 811 may be displayed on the first mobile terminal 101 when a call comes in while the payment information 801 is being displayed on the second mobile terminal 102. [ Also, when a text message is received when payment is in progress at the second mobile terminal 102, the first mobile terminal 101 may display information 812 on the message. However, the second mobile terminal 102 is not limited to the sender information 811 and the message information 812. When it is necessary to display other information while the second mobile terminal 102 is in the process of payment, the first mobile terminal 101 Information can be displayed.

The above-described information display method of the present invention has an advantage that the user can easily display the information without missing while proceeding with the payment using the mobile terminal 100 more conveniently.

According to another embodiment of the present invention, when payment is in progress in the mobile terminal 100 connected to the payment server, an indication that payment is in progress may be displayed in another mobile terminal 100 that is not connected to the payment server.

9 is a view for explaining a method of displaying information on another mobile terminal 100 connected to the mobile terminal 100 when the mobile terminal 100 is in the process of payment.

Referring to FIG. 9, the color of the display unit 151 of the first terminal may be changed from the normal state 901 to the payment state 902 when payment is in progress at the second terminal. The payment state 902 may be displayed in a different color from the normal state 901, the effect of blinking the screen may be displayed, or may be switched from color to monochrome. However, the present invention is not limited to the above-described method and can be displayed in various ways in which the user can recognize the change of the screen. In addition, in the payment state 902, an icon 103 indicating that payment is in progress may be displayed to indicate to the first mobile terminal 101 that the second mobile terminal 102 is in the process of payment.

In addition to displaying the payment on the display unit 151, the haptic module 153 may be used to make the user feel the vibration.

When the mobile terminal 100 is in the process of payment, the user can easily recognize the payment status through the method of displaying information on another mobile terminal 100 connected to the mobile terminal 100, Thereby making it possible to secure the settlement using the mobile terminal 100 more securely.

According to another embodiment of the present invention, when the mobile terminal 100 completes the settlement, information on settlement can be displayed on another mobile terminal 100 connected to the mobile terminal 100. [

That is, when the first mobile terminal 101 and the second mobile terminal 102 are connected to the counterpart mobile terminal 100, when payment is completed using the mobile terminal 100 connected to the payment server 200 And receiving the payment information in the counterpart mobile terminal 100. [

10 is a view for explaining a method of displaying information on another mobile terminal 100 connected to the mobile terminal 100 when the settlement of the mobile terminal 100 is completed.

Referring to FIG. 10, when payment is completed in the first mobile terminal 101, information that the first mobile terminal 101 has paid to the second mobile terminal 102 can be displayed. The second mobile terminal 102 may display payment information 1002 and an indication 1003 that the payment was made by the first mobile terminal 101 to display information on payment to the user.

The information displayed on the second mobile terminal 102 may include information indicating that there is a point card that can be accumulated in the second terminal when the first terminal has completed the payment, Can be displayed.

According to another embodiment of the present invention, when the settlement proceeds with the second mobile terminal 102, the electronic signature stored in the first mobile terminal 101 may be transmitted to proceed with settlement. In this case, the first mobile terminal 101 plays a role of a kind of encryption, so that the settlement stability can be further improved.

According to another embodiment of the present invention, payment information can be separately managed according to a mobile terminal to be paid. For example, when payment is made to the first mobile terminal 101, the payment information is stored in the first household account, and when payment is made to the second mobile terminal 102, the payment information is stored in the second account book, You can manage the history.

According to another embodiment of the present invention, the payment amount may be limited according to the connection state between the mobile terminals 100. [

4 is a view for explaining a method of limiting a settlement amount according to a connection state between a plurality of mobile terminals 100 according to an embodiment of the present invention.

Referring to FIG. 4, it is determined whether or not the first mobile terminal 101 and the second mobile terminal 102 are connected to the counterpart mobile terminal 100 in the searching step and the mobile terminal 100 connected to the payment server 200 And limiting the settlement amount according to the kind.

For example, if the payment amount is less than or equal to 300,000 KRW, the first mobile terminal 101 or the second mobile terminal 102 determines whether payment is made regardless of whether the first mobile terminal 101 and the second mobile terminal 102 are connected Lt; / RTI > However, if the settlement amount is over 300,000 won and less than 3 million won and the first mobile terminal 101 and the second mobile terminal 102 are not connected, payment is limited in the first mobile terminal 101, The payment can be made in the payment unit 102. In the case where the settlement amount exceeds 3,000,000 won, the first mobile terminal 101 or the second mobile terminal 102 may be connected only when the first mobile terminal 101 and the second mobile terminal 102 are connected to each other. ), Or payment may be limited to be made only in the predetermined mobile terminal 100.

However, the above-mentioned limit amounts and conditions are merely examples for explaining the present invention, and the payment amount and conditions may be varied as needed.

The payment amount is limited according to whether the first mobile terminal 101 and the second mobile terminal 102 are connected to the counterpart mobile terminal 100 and the type of the mobile terminal 100 connected to the payment server 200. [ It is possible to minimize the damage caused by loss of the mobile terminal 100.

The present invention described above can be embodied as computer-readable codes on a medium on which a program is recorded. The computer readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of the computer readable medium include a hard disk drive (HDD), a solid state disk (SSD), a silicon disk drive (SDD), a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, , And may also be implemented in the form of a carrier wave (e.g., transmission over the Internet). In addition, the computer may include a control unit 180 of the mobile terminal 100. Accordingly, the above description should not be construed in a limiting sense in all respects and should be considered illustrative. The scope of the present invention should be determined by rational interpretation of the appended claims, and all changes within the scope of equivalents of the present invention are included in the scope of the present invention.

100: mobile terminal
101: first mobile terminal 102: second mobile terminal
110: wireless communication unit 120: input unit
140: sensing unit 150: output unit
160: interface unit 170: memory
180: control unit 190: power supply unit
200: Payment Server

Claims (17)

A payment method using a mobile terminal,
Detecting whether the first mobile terminal and the second mobile terminal are connected to each other;
Connecting the first mobile terminal or the second mobile terminal with a payment server; And
Wherein the settlement server performs settlement using a mobile terminal connected to the settlement server. The method according to claim 1,
Wherein the first mobile terminal is a smart watch,
Wherein the second mobile terminal is a mobile phone. The method according to claim 1,
And allowing the payment only when the first mobile terminal and the second mobile terminal are connected to the counterpart mobile terminal in the searching step. The method according to claim 1,
Further comprising limiting the payment amount according to whether the first mobile terminal and the second mobile terminal are connected to the counterpart mobile terminal and the type of mobile terminal connected to the payment server in the searching step, Payment method used. The method according to claim 1,
Further comprising the step of displaying payment means settleable to the first mobile terminal or the second mobile terminal. 6. The method of claim 5,
Determining whether the payment means is payable according to the mutual connection state of the first mobile terminal and the second mobile terminal; And
Further comprising the step of displaying whether the payment means is payable or not. 6. The method of claim 5,
And transmitting the information on the settlement means to the counterpart mobile terminal. The method according to claim 1,
When the first mobile terminal and the second mobile terminal are connected to the partner mobile terminal,
Further comprising the step of displaying information related to settlement in the counterpart mobile terminal when settlement is in progress using the terminal connected to the settlement server. The method according to claim 1,
When the first mobile terminal and the second mobile terminal are connected to the partner mobile terminal,
Further comprising receiving settlement information from a counterpart mobile terminal when settlement is completed using the terminal connected to the settlement server. In the mobile terminal,
A display unit;
A communication unit for communicating with the partner mobile terminal and the payment server; And
And a control unit,
The control unit searches for the connection of the partner mobile terminal,
A payment server,
And proceeds with settlement according to whether the mobile terminal is connected to the partner mobile terminal. 11. The method of claim 10,
Wherein the control unit permits the payment only when the mobile terminal is connected to the partner mobile terminal. 11. The method of claim 10,
Wherein the controller limits the payment amount according to whether the mobile terminal is connected to the partner mobile terminal and the type of the mobile terminal. 11. The method of claim 10,
Wherein the control unit displays a settlement payment means on the display unit. 14. The method of claim 13,
Wherein the control unit determines whether the payment means is capable of payment according to the connection status with the counterpart mobile terminal,
Wherein the control unit displays on the display unit whether or not the payment means is capable of payment. 14. The method of claim 13,
Wherein the control unit further comprises a step of transmitting information on the settlement means to the counterpart mobile terminal. 11. The method of claim 10,
Wherein the controller is connected to the counterpart mobile terminal and transmits information related to settlement to the counterpart mobile terminal when payment is in progress. 11. The method of claim 10,
Wherein the control unit is connected to the partner mobile terminal and transmits the payment information to the partner mobile terminal when the payment is completed.

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