KR20170030914A - Mobile terminal and operating method thereof - Google Patents

Abstract

The present invention relates to a mobile terminal and an operating method thereof. The mobile terminal according to an embodiment of the present invention comprise: a user input part receiving a first user input for requesting a transfer to a predetermined account at the same time of payment, a second user input for changing a first payment amount to a final payment amount, and a third user input for a user authentication information; and a control part which performs user authentication for the payment based on the third user input when the first user input and the second user input are inputted, and if the user authentication is successful, the payment for the first payment amount is performed and at the same time, transfers a difference between the final payment amount and the first payment amount to the predetermined account.

Description

[0001] MOBILE TERMINAL AND OPERATING METHOD THEREOF [0002]

The present invention relates to a mobile terminal and a method of operating the same.

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

The functions of mobile terminals are diversified. For example, there are data and voice communication, image shooting and video shooting through a camera, voice recording, music file playback through a speaker system, and output of 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 broadcast and multicast signals that provide visual content such as video or television programs.

Such a terminal has various functions, for example, in the form of a multimedia player having a complex function of shooting an image or moving picture, playing music or moving picture file, receiving a game, receiving a broadcast, etc. .

In order to support and enhance the functionality of such terminals, it may be considered to improve the structural and / or software parts of the terminal.

Meanwhile, the mobile terminal can exchange data with another mobile terminal through interworking between different mobile terminal devices.

However, in the related art, in performing the pairing between the mobile terminal devices, the operations themselves that can be performed through the pairing are very limited, and a plurality of terminals are interlocked through the pairing, so that new and convenient functions can not be created .

The present invention provides a mobile terminal capable of realizing and using an existing bank through a mobile terminal in a more convenient and easy manner by transferring a part of a payment amount to a bank account at the same time of settlement.

A mobile terminal according to an embodiment of the present invention includes a first user input for requesting a transfer to a predetermined account upon settlement, a second user input for changing an initial payment amount to a final payment amount, A user input unit for receiving a third user input; Performing a user authentication for the payment based on the third user input when the first user input and the second user input are input and performing a payment for the initial payment amount if the user authentication is successful And a control unit for transferring a difference between the final settlement amount and the initial settlement amount to the predetermined account.

A method of operating a mobile terminal according to an exemplary embodiment of the present invention includes a first user input for requesting a transfer to a predetermined account upon settlement and a second user input for changing an initial payment amount to a final payment amount ; Performing user authentication for the payment based on a third user input relating to the user authentication information; And transferring the difference between the final settlement amount and the initial settlement amount to the predetermined account when the user authentication is successful.

According to at least one embodiment of the present invention, by transferring a part of the settlement amount to the bank account at the same time of settlement, the existing bank can be implemented and used in a more convenient and easy form through the mobile terminal.

1 is a block diagram illustrating a mobile terminal according to the present invention.
FIGS. 2A and 2B illustrate a process of registering a bank card according to an embodiment of the present invention.
3 is a diagram illustrating a process of registering a bank card according to an embodiment of the present invention.
4 is a diagram illustrating a process of registering a bank card according to an embodiment of the present invention.
5A to 5C are views illustrating a settlement rate adjustment method according to an embodiment of the present invention.
6 is a diagram illustrating a settlement rate adjustment method according to an embodiment of the present invention.
7 is a diagram illustrating a settlement rate adjustment method according to an embodiment of the present invention.
8 is a diagram illustrating a settlement process using a bank card associated with a payment card according to an embodiment of the present invention.
9 is a view illustrating a process of displaying a payment result using a bank card associated with a payment card according to an embodiment of the present invention.
10 is a diagram illustrating a payment procedure using a bank account according to an embodiment of the present invention.
11 is a diagram illustrating a settlement procedure using a bank account according to an embodiment of the present invention.
12 is a view illustrating a settlement procedure using a bank card associated with a payment card according to an embodiment of the present invention.
FIG. 13 is a diagram illustrating a process of informing a user of a goal of a piggy bank card associated with a payment card according to an embodiment of the present invention when the target amount is achieved.
FIG. 14 is a diagram illustrating a process of informing a user of a goal of a piggy bank card associated with a payment card according to an embodiment of the present invention when the target amount is achieved.
FIG. 15 is a diagram illustrating a process of transferring a savings liquid at the same time of settlement according to an embodiment of the present invention.
FIG. 16 is a diagram illustrating a process of informing a user of a goal amount achievement according to an embodiment of the present invention.

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.

Terms including ordinals, such as first, second, etc., may be used to describe various elements, but the elements are not limited to these terms. The terms are used only for the purpose of distinguishing one component from another.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The singular expressions include plural expressions unless the context clearly dictates otherwise.

In the present application, the terms "comprises", "having", and the like are used to specify that a feature, a number, a step, an operation, an element, a component, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

The mobile terminal described in this specification includes a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), a navigation device, a slate PC A tablet PC, an ultrabook, a wearable device such as a smartwatch, a smart glass, and a head mounted display (HMD). have.

However, it will be appreciated by those skilled in the art that the configuration according to the embodiments described herein may be applied to fixed terminals such as a digital TV, a desktop computer, a digital signage, and the like, will be.

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

The mobile terminal 10 includes a wireless communication unit 20, an input unit 30, a sensing unit 40, an output unit 50, an interface unit 60, a memory 70, a control unit 80, ), 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 20 may be connected between the mobile terminal 10 and the wireless communication system or between the mobile terminal 10 and another mobile terminal 10 or between the mobile terminal 10 and the external server 10. [ Lt; RTI ID = 0.0 > wireless < / RTI > The wireless communication unit 20 may include one or more modules for connecting the mobile terminal 10 to one or more networks.

The wireless communication unit 20 may include at least one of a broadcast receiving module 21, a mobile communication module 22, a wireless Internet module 23, a short distance communication module 24, and a location information module 25 .

The input unit 30 includes a camera 31 or an image input unit for inputting an image signal, a microphone 32 for inputting an audio signal or an audio input unit and a user input unit 33 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 30 may be analyzed and processed by the user's control command.

The sensing unit 40 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 40 may include a proximity sensor 41, an illumination sensor 42, 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 33, a battery gauge, an environmental sensor (for example, a barometer, a hygrometer, a thermometer, a radiation detection sensor, a temperature 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 50 includes at least one of a display unit 51, an acoustic output unit 52, a haptic module 53, and a light output unit 54 to generate an output related to visual, auditory, can do. The display unit 51 may have a mutual layer structure with the touch sensor or may be integrally formed to realize a touch screen. Such a touch screen may function as a user input 33 for providing an input interface between the mobile terminal 10 and the user and may provide an output interface between the mobile terminal 10 and the user.

The interface unit 60 serves as a path for connection to various types of external devices connected to the mobile terminal 10. The interface unit 60 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 10, corresponding to the connection of the external device to the interface unit 60, it is possible to perform appropriate control related to the connected external device.

In addition, the memory 70 stores data supporting various functions of the mobile terminal 10. The memory 70 may store a plurality of application programs (application programs or applications) driven by the mobile terminal 10, data for operation of the mobile terminal 10, 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 10 from the time of departure for the basic functions (e.g., call incoming, outgoing, message reception, and origination functions) of the mobile terminal 10. [ Meanwhile, the application program may be stored in the memory 70, installed on the mobile terminal 10, and operated by the control unit 80 to perform the operation (or function) of the mobile terminal.

In addition to the operations associated with the application program, the control unit 80 typically controls the overall operation of the mobile terminal 10. [ The control unit 80 can provide or process appropriate information or functions to the user by processing signals, data, information or the like inputted or outputted through the above-mentioned components, or by driving an application program stored in the memory 70.

In addition, the control unit 80 may control at least some of the components illustrated in FIG. 1 to drive an application program stored in the memory 70. FIG. Further, the control unit 80 may operate at least two of the components included in the mobile terminal 10 in combination with each other for driving the application program.

The power supply unit 90 receives external power and internal power under the control of the controller 80 and supplies power to the respective components included in the mobile terminal 10. The power supply unit 90 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. Also, 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 70.

Hereinafter, the various components of the mobile terminal 10 will be described in detail with reference to FIG.

First, referring to the wireless communication unit 20, the broadcast receiving module 21 of the wireless communication unit 20 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 10 for simultaneous broadcast reception or broadcast channel switching for at least two broadcast channels.

The mobile communication module 22 may be a mobile communication module or a mobile communication module that is capable of communicating with a mobile communication device in a mobile communication environment, (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 And an external terminal, or a server on a mobile communication network established according to a long term evolution (AR), a long term evolution (AR), or the like.

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 23 is a module for a wireless Internet access, and may be built in or enclosed in the mobile terminal 10. The wireless Internet module 23 is configured to transmit and receive wireless signals 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) 23 send and receive data according to at least one wireless Internet technology, including Internet technologies not listed above.

The wireless Internet module 23 for performing a wireless Internet connection through the mobile communication network 23 may be connected to the wireless Internet module 23 through the mobile communication network if the wireless Internet access by WiBro, HSDPA, HSUPA, GSM, CDMA, WCDMA, LTE, LTE- May be understood as a kind of the mobile communication module 22.

The short range communication module 24 is for short range communication and may be a Bluetooth ™, a Radio Frequency Identification (RFID), an Infrared Data Association (IrDA), a UWB (Ultra Wideband) (Near Field Communication), Wi-Fi (Wireless-Fidelity), Wi-Fi Direct, and Wireless USB (Wireless Universal Serial Bus) technology. The short-range communication module 24 is connected to the mobile terminal 10 and the wireless communication system through the wireless area network, between the mobile terminal 10 and another mobile terminal 10, ) And a network in which the other mobile terminal 10 (or the external server) is located. The short-range wireless communication network may be a short-range wireless personal area network.

Here, the other mobile terminal 10 is a wearable device (e.g., a smartwatch, a smart glass, etc.) capable of interchanging data with the mobile terminal 10 according to the present invention (smart glass), HMD (head mounted display)). The short range communication module 24 can detect (or recognize) a wearable device capable of communicating with the mobile terminal 10 around the mobile terminal 10. Further, when the detected wearable device is a device authenticated to communicate with the mobile terminal 10 according to the present invention, the control unit 80 transmits at least a part of data processed in the mobile terminal 10 to the short- 24 to the wearable device. Therefore, the user of the wearable device can use the data processed by the mobile terminal 10 through the wearable device. For example, according to this, when a telephone is received in the mobile terminal 10, the user performs a telephone conversation via the wearable device, or when a message is received in the mobile terminal 10, It is possible to check the message.

The position information module 25 is a module for obtaining the position (or current position) of the mobile terminal, and representative examples thereof include 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 25 may perform any of the other modules of the wireless communication unit 20 to obtain data regarding the location of the mobile terminal, in addition or in addition. The position information module 25 is a module used for obtaining the position (or current position) of the mobile terminal, and is not limited to the module for directly calculating or acquiring the position of the mobile terminal.

Next, the input unit 30 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 31 may be provided. The camera 31 processes image frames such as still images or moving images obtained by the image sensor in the video communication mode or the photographing mode. The processed image frame can be displayed on the display unit 51 or can be stored in the memory 70. [ A plurality of cameras 31 provided in the mobile terminal 10 may be arranged to have a matrix structure and various angles or foci may be provided to the mobile terminal 10 through the camera 31 having the matrix structure A plurality of pieces of image information can be input. In addition, the plurality of cameras 31 may be arranged in a stereo structure so as to obtain a left image and a right image for realizing a stereoscopic image.

The microphone 32 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 10. [ Meanwhile, the microphone 32 may be implemented with various noise reduction algorithms for eliminating noise generated in the process of receiving an external sound signal.

The user input unit 33 is for receiving information from the user and when the information is inputted through the user input unit 33, the control unit 80 can control the operation of the mobile terminal 10 to correspond to the input information . The user input unit 33 may include a mechanical input means (or a mechanical key such as a button located on the front, rear or side of the mobile terminal 10, a dome switch, a jog wheel, Jog switches, etc.) and touch-type 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.

Meanwhile, the sensing unit 40 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 80 can control the driving or operation of the mobile terminal 10 or perform data processing, function or operation related to the application program installed in the mobile terminal 10 based on the sensing signal. Representative sensors among various sensors that may be included in the sensing unit 40 will be described in more detail.

First, the proximity sensor 41 refers to a sensor that detects the presence of an object approaching a predetermined detection surface, or an object existing in the vicinity of the detection surface, without mechanical contact using an electromagnetic force or an infrared ray. The proximity sensor 41 may be disposed in the inner region of the mobile terminal or the proximity sensor 41 near the touch screen.

Examples of the proximity sensor 41 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 41 can be configured to detect the proximity of the object with the 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 41 can detect proximity touches and proximity touch patterns (e.g., proximity touch distance, proximity touch direction, proximity touch speed, proximity touch time, proximity touch position, proximity touch movement state, have. Meanwhile, the control unit 80 processes data (or information) corresponding to the proximity touch operation and the proximity touch pattern sensed through the proximity sensor 41 as described above, and further provides visual information corresponding to the processed data It can be output on the touch screen. Further, the control unit 80 can control the mobile terminal 10 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 contact touch .

The touch sensor senses a touch (or a touch input) applied to the touch screen (or the display unit 51) using at least one of various touch methods such as a resistance film type, a capacitive type, an infrared type, an ultrasonic type, do.

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 control unit 80. Thus, the control unit 80 can know which area of the display unit 51 is touched or the like. Here, the touch controller may be a separate component from the control unit 80, and may be the control unit 80 itself.

On the other hand, the control unit 80 may perform different controls or perform the same control according to the type of the touch object, which touches the touch screen (or a touch key provided on the touch screen). Whether to perform different controls or to perform the same control depending on the type of the touch object can be determined according to the current state of the mobile terminal 10 or the 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. On the other hand, the controller 80 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 31 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 31 and the laser sensor can be combined with each other to sense the 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 51 displays (outputs) information processed by the mobile terminal 10. For example, the display unit 51 may display execution screen information of an application program driven by the mobile terminal 10 or UI (User Interface) and GUI (Graphic User Interface) information according to the execution screen information .

In addition, the display unit 51 may be configured as a stereoscopic display unit for displaying a stereoscopic image.

In the stereoscopic display unit, a three-dimensional display system such as a stereoscopic system (glasses system), an autostereoscopic system (no-glasses system), and a projection system (holographic system) can be applied.

The audio output unit 52 can receive audio data received from the wireless communication unit 20 or stored in the memory 70 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 52 also outputs sound signals related to functions (e.g., call signal reception sound, message reception sound, and the like) performed by the mobile terminal 10. The sound output unit 52 may include a receiver, a speaker, a buzzer, and the like.

The haptic module (53) generates various tactile effects that the user can feel. A typical example of the haptic effect generated by the haptic module 53 may be vibration. The intensity and pattern of the vibration generated in the haptic module 53 can be controlled by the user's selection or the setting of the control unit. For example, the haptic module 53 may synthesize and output different vibrations or sequentially output the vibrations.

In addition to the vibration, the haptic module 53 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 53 can transmit a tactile effect through direct contact, and the user can feel a tactile effect through a muscular sense such as a finger or an arm. The haptic module 53 may include two or more haptic modules 53 according to the configuration of the mobile terminal 10.

The light output unit 54 outputs a signal for notifying the occurrence of an event using the light of the light source of the mobile terminal 10. Examples of events that occur in the mobile terminal 10 include message reception, call signal reception, missed call, alarm, schedule notification, email reception, information reception through an application, and the like.

The signal output by the light output unit 54 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 60 serves as a path for communication with all external devices connected to the mobile terminal 10. The interface unit 60 receives data from an external device or supplies power to each component in the mobile terminal 10 or allows data in the mobile terminal 10 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 60.

The identification module is a chip for storing various kinds of information for authenticating the usage right of the mobile terminal 10. The identification module 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 10 through the interface unit 60. [

The interface unit 60 may be a path through which power from the cradle is supplied to the mobile terminal 10 when the mobile terminal 10 is connected to an external cradle, And various command signals may be transmitted to the mobile terminal 10. The various command signals or the power source input from the cradle can be operated with a signal for recognizing that the mobile terminal 10 is correctly mounted on the cradle.

The memory 70 may store a program for the operation of the controller 80 and may temporarily store input / output data (e.g., a phone book, a message, a still image, a moving picture, etc.). The memory 70 may store data on vibration and sound of various patterns outputted when a touch is input on the touch screen.

The memory 70 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 10 may operate in association with a web storage that performs the storage function of the memory 70 on the Internet.

Meanwhile, as described above, the control unit 80 controls an operation related to an application program and an overall operation of the mobile terminal 10. For example, when the state of the mobile terminal satisfies a set condition, the control unit 80 can execute or release a lock state for restricting input of a user's control command to applications.

In addition, the control unit 80 performs control and processing related to voice communication, data communication, video call, and the like, or performs pattern recognition processing capable of recognizing handwriting input or drawing input performed on the touch screen as characters and images, respectively . Further, the control unit 80 may control any one or a plurality of the above-described components in order to implement various embodiments described below on the mobile terminal 10 according to the present invention.

The power supply unit 90 receives external power and internal power under the control of the controller 80 and supplies power required for operation of the respective components. The power supply unit 90 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.

Also, the power supply unit 90 may include a connection port, and the connection port may be configured as an example of the interface unit 60 to which an external charger for supplying power for charging the battery is electrically connected.

As another example, the power supply unit 90 may be configured to charge the battery in a wireless manner without using the connection port. In this case, the power supply unit 90 may use at least one of an inductive coupling method based on the magnetic induction phenomenon and a magnetic resonance coupling method based on the electromagnetic resonance phenomenon from an external wireless power transmission apparatus Power can be delivered.

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.

Next, a communication system that can be implemented through the mobile terminal 10 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.

The CDMA wireless communication system includes at least one terminal 10, 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 terminals (10) operating in the system. The broadcast receiving module 21 shown in FIG. 1 is provided in the terminal 10 to receive a broadcast signal transmitted by the BT.

In addition, a CDMA wireless communication system may be associated with a Global Positioning System (GPS) for confirming the location of the mobile terminal 10. [ The satellite aids in locating the mobile terminal 10. Useful location information may be obtained by two or more satellites. Here, the position of the mobile terminal 10 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 25 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 25 may perform any of the other modules of the wireless communication unit 20 to obtain data relating to the location of the mobile terminal, in addition or alternatively.

The GPS module 25 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 position 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. Further, the GPS module 25 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 10 uses a WiFi module included in the mobile terminal 10 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 10, a wireless AP connected to the mobile terminal 10, and a database in which certain wireless AP information is stored.

The mobile terminal 10 connected to the wireless AP can transmit the location information request message to the Wi-Fi location server.

The Wi-Fi location server extracts information of the wireless AP connected to the mobile terminal 10 based on the location information request message (or signal) of the mobile terminal 10. The information of the wireless AP connected to the mobile terminal 10 may be transmitted to the Wi-Fi position location server through the mobile terminal 10, or may be transmitted from the wireless AP to the Wi-Fi position location server.

The information of the wireless AP to be extracted based on the location information request message of the mobile terminal 10 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 location server can receive the information of the wireless AP connected to the mobile terminal 10 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 10 using at least one wireless AP information extracted from the database. Compares the received information with the received wireless AP information, and extracts (or analyzes) the location information of the mobile terminal 10.

As a method for extracting (or analyzing) the location information of the mobile terminal 10, 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 10 is transmitted to the mobile terminal 10 through the Wi-Fi location server, so that the mobile terminal 10 can acquire the location information.

The mobile terminal 10 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 10 can be variously changed according to the wireless communication environment in which the mobile terminal 10 is located.

FIGS. 2A and 2B illustrate a process of registering a bank card according to an embodiment of the present invention.

FIG. 2A shows a process of registering a bank card, and FIG. 2B shows a process of setting a goal in registering a bank card according to FIG. 2A.

According to the embodiment shown in Fig. 2A, a blank card having no other function can be created and registered as a bank card.

The user executes a payment application (hereinafter also referred to as "application") of the mobile terminal 10. [ When the payment application is executed, a list of cards that can be used for payment is displayed on the screen. The card list may include cards previously registered by the user, or may include cards having a payment function among all the cards held by the user. In this case, the card list may be displayed on the screen as a GUI showing the card form as shown in FIG. 2A.

The user can select an Add new icon 201 on the GUI to create a blank card that does not have any other function. When the Add new icon 201 is selected, a GUI for selecting a card type is displayed on the screen. The card type selection GUI may display all card types, such as check cards that can be used within the account balance range, credit cards that can be paid after a certain period of time, and membership cards that provide benefits as members of a particular organization And the user can select any one of the card types. In FIG. 2A, the user has selected the check card 202 type.

When the card type is selected, an input window 203 for inputting information on a card to be registered as a bank card (hereinafter, also referred to as a "bank account ") is displayed. Through the displayed input window 203, the user can input account information to be associated with the card, a password, a savings target, and the like.

When the inputting of information on the card is completed, an input window 204 for setting a target amount of money notification is displayed. Target amount notification is a function that notifies the user when the set target amount is reached. The target amount notification may be implemented in various forms according to embodiments such as alarm, voice, character, and image. In FIG. 2A, since the user sets the target amount notification to 150000, when the savings amount reaches 150000 won, the mobile terminal notifies the user that the target amount has been reached.

When the user sets up a target amount notification, information about the piggy bank card including the savings target, the target amount, and the current low amount is displayed in the form of a card (205).

According to the embodiment shown in FIG. 2B, it is possible to set a target at the time of registering the piggy bank card, and display detailed information about the goal in addition to the piggy bank card.

To this end, in the present embodiment, a goal setting function is provided when creating a piggy bank card.

The user selects a bank add new icon 206 on the GUI in which the card list is displayed in the form of a card, and starts a procedure for adding a new function to the bank card.

When the piggy bank Add new icon 206 is selected, the GUI 207 corresponding to the new bank card is displayed. In this case, the GUI 207 may display an icon 208 corresponding to the target setting function.

When the user selects the icon 208 corresponding to the target setting function, an input window 209 in which a target can be set is displayed. Specifically, the user can input information about a desired product to the input window 209 and set the target as a target. In this case, the user selects a desired product through web browsing and hyperlinks the URL to the input window 209, or selects any one of the list of wish lists previously stored in the mobile terminal 10 May be stored in the input window (209). The information about the product may be text, image, or image for the product. When the user inputs information about a desired product, the user selects the setting menu 210 as a bank account target. In FIG. 2B, the user sets the target as a bicycle purchase and registers the bicycle image.

Thus, the piggy bank card to which the target is set is registered in the card list. In this case, a target is added to the piggy bank card, and the piggy bank card is displayed as a card-shaped GUI 211 including a bicycle image as shown in Fig. 2B.

3 is a diagram illustrating a process of registering a bank card according to an embodiment of the present invention.

2A, an embodiment has been described in which a blank card having no other function is registered as a bank card. On the other hand, according to the present embodiment, a payment card having a payment function can be registered as a piggy bank card. Specifically, the user can merge the payment card and the bank card to create a bank card associated with the payment card.

The user selects a payment card and a piggy bank card to be merged on a GUI showing the card type displayed on the screen. For example, as shown in FIG. 3, the user can select the corresponding two cards by pressing the bank account 301 and the payment card 302 respectively. In this case, the method of selecting the card may be variously modified according to the embodiment, in addition to the long press method shown in FIG.

The user takes the merge gesture and merges the two selected cards. The merge gesture may be an operation in which a user touches each of two cards with a finger and collects two fingers at one point.

When the card is merged, the user sets the payment ratio of the bank card associated with the payment card to be generated by the merge. Specifically, the user can set the payment ratio of the two cards on the GUI 303 that can adjust the payment ratio shown in FIG. This will be described later with reference to Figs. 5A to 5C.

When the settlement ratio adjustment of the two cards is completed, a piggy bank card associated with the payment card is created and a GUI 304 is displayed on the screen to display information about the same.

Thereafter, the piggy bank card associated with the payment card is registered in the card list of the payment application, and is displayed in a card-shaped GUI 305.

4 is a diagram illustrating a process of registering a bank card according to an embodiment of the present invention.

3, the selected two cards are merged through the merge gesture, but in the present embodiment, the two cards can be merged by selecting the menu item.

The user selects a payment card to be merged with the piggy bank card on the GUI representing the card type. For example, as shown in FIG. 4, the user selects a payment card 401 by touching a finger. As described above with reference to FIG. 3, the method of selecting a payment card may be variously modified in accordance with the embodiment other than the long press method shown in FIG.

When the information of the selected payment card is displayed, the user selects the card merge menu 402 after confirming the displayed information. In this case, a list of reserved cards that can be merged with the payment card is displayed on the screen.

The user selects the bank account 403 among the displayed card list to merge the payment card and the bank card.

When two cards are merged, the user adjusts the payment ratio of the bank card associated with the payment card generated by the merge. Specifically, the user can adjust the payment ratio allocated to the two cards on the GUI 404, which can set the payment ratio shown in FIG. A method of adjusting the settlement ratio will be described later with reference to FIGS. 5A to 5C.

When the settlement ratio adjustment of the two cards is completed, a piggy bank card associated with the payment card is created and a GUI 405 for displaying information about the generated bank card is displayed on the screen.

Thereafter, the piggy bank card associated with the payment card is registered in the card list of the payment application, and is displayed in the form of a card-like GUI 406.

According to this, when the user uses the bank card associated with the payment card, the amount corresponding to the payment ratio can be automatically transferred to the bank account.

5A to 5C are views illustrating a settlement rate adjustment method according to an embodiment of the present invention.

In order to automatically transfer the amount of the settlement rate to the piggy bank account each time the user uses the piggy bank card associated with the payment card, the user must set the settlement rate allocated to each of the payment card and the piggy bank card in advance.

In FIG. 5A, the user adjusts the payment ratio allocated to each of the payment card and the bank card as a ratio. Specifically, the ratio of the original payment amount to be paid by the payment card to the amount to be transferred to the piggy bank card can be set from among the total payment amount paid by the piggy bank card associated with the payment card. In this case, the user sets the ratio of the amount of money to be allocated to each so that the sum of the ratio of the original payment amount to be paid by the payment card to the amount to be transferred to the bank card is 100%.

When the user wishes to adjust the payment ratio, the bank card associated with the payment card may be divided into a payment card 501 and a bank card 502 by a bar 510 and displayed. The bar is movable up and down. If the bar 510 moves upward, the ratio of the original settlement amount to be paid by the settlement card 501 is lowered, and the ratio of the amount to be transferred to the piggy bank card 502 becomes higher. On the other hand, when the bar 510 moves downward, the ratio of the original settlement amount to be paid by the settlement card 501 becomes high and the ratio of the amount to be transferred to the piggy bank card 502 becomes low.

Referring to FIG. 5A, the ratio of the original settlement amount to be paid by the settlement card 501 to the total amount of 100% of the total settlement amount is 90%, and the ratio of the amount to be transferred to the piggy bank card 502 is set to 10%. Accordingly, each time the user uses the piggy bank card associated with the payment card, 10% of the final payment amount is transferred to the bank account 502 account at the same time of settlement. To this end, the user inputs the total payment You will pay the amount.

In FIG. 5B, the user adjusts the settlement rate allocated to each of the settlement card and the banker card as an amount. Specifically, the amount to be transferred to the piggy bank card can be adjusted. In this case, the original payment amount to be paid by the payment card is determined and can not be changed by the user. Therefore, the total payment amount paid by the piggy bank card associated with the payment card will be the sum of the original payment amount to be paid by the payment card and the amount to be transferred to the piggy bank card set by the user.

When the user intends to adjust the payment ratio, the bank card associated with the payment card is displayed in a form in which the payment card 503, the bank card 504, and the bar 510 are arranged in order. The bar is movable up and down. If the bar 510 is moved upward, the amount to be transferred to the bank card 504 is reduced. Conversely, if the bar 510 moves downward, the amount to be transferred to the bank card 504 will increase. In addition, since the original payment amount to be paid by the payment card is determined, when the bar 510 reaches the border between the payment card 503 and the bank card 504, it is impossible to move upward.

5B, the original payment amount to be paid by the payment card 503 is 38500 won, and the amount to be transferred to the piggy bank card 504 is set to 500 won. Accordingly, when the user uses the bank card associated with the payment card, 500 won is transferred to the bank account 504 account at the same time of settlement. To this end, the user has to pay the total amount of 39,000 won, which is 500 won added to the original payment amount 38500 won . Further, if the user subsequently uses the piggy bank card associated with the payment card, the 500 won will be transferred to the bank account card at the same time of payment, regardless of the original payment amount to be paid by the payment card.

In FIG. 5C, the user sets up the amount of money equal to or less than a predetermined unit at the time of payment, and sets the difference between the amount of money raised and the original payment amount to be transferred to the savings account.

For this purpose, an option menu for setting the amount of money to be automatically rounded up to the value of N or less at the time of settlement may be displayed in a GUI form, and the user can set a unit to be rounded up through the option menu.

Specifically, referring to FIG. 5C, an option menu for selecting any one of 10 won or less, 100 won or less, or 1,000 won or less is displayed. In FIG. 5C, the user has selected to raise the amount 505 of 1000 won or less. In this case, the amount of 1000 won or less from the original payment amount is rounded up, and the difference between the rounded up amount and the original payment amount is transferred to the bank account at the time of payment. For example, if the original payment amount is 38500, an amount of less than $ 1,000 will be rounded up to $ 500. Therefore, the amount raised is 39,000 won. In this case, the difference of 500 won between the amount raised and the original settlement amount is transferred to the savings account at the time of settlement.

Further, if the user subsequently uses the piggy bank card associated with the payment card, the amount of less than 1,000 won from the original settlement amount to be paid is raised, and the difference between the raised amount and the original payment amount is transferred to the savings account .

As described above with reference to FIGS. 5A to 5C, the user may set the settlement ratios allocated to the settlement card and the banking card in advance, but in this case, the amount to be transferred to the savings account is adjusted in response to the user's specific economic circumstances at the time of settlement It is impossible to do. Therefore, in FIGS. 6 to 7, a method of determining the settlement rate to be transferred to the bank account by the user each time the bank card associated with the settlement card is used will be described.

6 is a diagram illustrating a settlement rate adjustment method according to an embodiment of the present invention.

According to the present embodiment, each time the user uses the bank card associated with the payment card, the user can change the payment amount by the length of the dragged and dragged amount.

The user can start the payment procedure by accessing the POS terminal of the mobile terminal 10 as shown in FIG. After the user executes the payment application of the mobile terminal 10, the user tries to make a payment using the bank card associated with the payment card.

When the user selects the bank card associated with the payment card, the GUI 601 for the payment amount is displayed. The user can drag each digit of the original payment amount displayed on the GUI 601 and change it to the final payment amount. Specifically, when dragging a point corresponding to 1000 won unit to the left or right, the original payment amount changes by 1000 won unit, and when the point corresponding to 100 won unit is dragged to the left or right, the original payment amount may be changed by 100 won unit have. Drag left to lower the amount, drag right to raise the amount. In this case, the amount of the corresponding unit is increased by the length of the original payment amount dragged, and the number of the corresponding unit displayed on the GUI 601 increases in real time. In addition, the number of the piggy-bank account increases in real time by the amount of money raised by dragging.

Referring to FIG. 6, the original payment amount the user has to pay is 38,500 won. If the user wishes to change the original payment amount by a unit of 100 yen and set a desired low amount and transfer the same to the bank account, the user inputs the number 5 ( 602) with a finger and then starts dragging to the right. As you drag your finger to the right, your payment will go up to $ 100. For example, as the user drags the finger to the right, the payment amount displayed on the GUI 601 continues to rise from 38500 won to 38600 won, 38700 won, 38800 won, 38900 won and 39000 won. In this case, as the user drags the finger to the right side, the amount transferred to the bank account increases in real time from 0 won to 100 won, 200 won, 300 won, 400 won and 500 won.

The user stops the drag operation when the amount to be transferred to the bank account reaches the desired amount. For example, in FIG. 6, when the GUI 603 set to be transferred to the bank account by 500 won and the final payment amount is 39000 won is displayed, the user can stop the drag operation.

When you release your finger from the amount you want, the final payment amount and the amount to be transferred to the bank account are confirmed. In this case, the payment card 604 showing the final payment amount and the bank card 605 showing the amount to be transferred to the bank account are separated and start to move in different directions, respectively. An arrow may be displayed in the moving direction as shown in FIG. 6, indicating that settlement and saving are completed when the movement is completed and the arrow disappears. When the payment procedure and savings are completed at the same time, a receipt can be displayed on the screen.

7 is a diagram illustrating a settlement rate adjustment method according to an embodiment of the present invention.

In FIG. 6, a method in which a user drags a settlement amount, hovers the amount, and then stores the changed money. On the other hand, the user can return the payment amount that has been rounded up to the original payment amount. This will be described below with reference to Fig.

As described above with reference to FIG. 6, the user can drag the settlement amount and transfer 500 won to the savings account, and the final settlement amount can be set to be 39000 won. In this state, if the user wants to return the final settlement amount, that is, the settlement amount that has been rounded up, to the original settlement amount, the user drags the rounded up payment amount to the left.

In FIG. 7, the amount of money paid up is 39,000 won, and the amount to be transferred to the bank account is 500 won. In this case, the settlement amount of 39,000 won raised in the GUI 701 for the settlement amount is displayed, and the low amount 500 won to be transferred to the GUI 710 for the savings account is displayed. Also, in the GUI 710 for the bank account, the savings target amount of 150000 won can also be displayed.

In this state, if the user changes the payment amount by the unit of 100 yen to return to the original payment amount, the user inputs the number 0 (702) corresponding to the 100 won unit on the GUI 701 for the payment amount, Touch and drag to the left. As you drag your finger to the left, your payment goes down to 100 won. In this case, the user can return to the original settlement amount by performing the drag operation to the end in the left direction.

For example, as the user drags the finger to the left, the payment amount displayed on the GUI 701 continuously decreases from 39,000 won to 38900 won, 38800 won, 38700 won, 38600 won and 38500 won, and finally reaches 38500 won . In this case, as the user drags the finger to the left side, the amount transferred to the bank account is reduced from 500 won to 400 won, 300 won, 200 won, 100 won and 0 won in real time, finally reaching 0 won .

The original payment amount is 38,500 won. In this case, the amount transferred to the bank account is 0 yen. Therefore, the original payment amount of 38500 won is displayed in the GUI 703 for the payment amount, and the 0 yen amount to be transferred to the GUI 720 for the savings account is displayed.

8 is a diagram illustrating a settlement process using a bank card associated with a payment card according to an embodiment of the present invention.

As shown in FIG. 8, the GUI 801 for the bank card associated with the payment card displays the amount to be paid, the amount to be transferred to the bank account, and the target amount. The final payment amount is 39,000 won, 500 won of which will be transferred to the bank account.

In this case, the user performs the user authentication and proceeds with the settlement. Specifically, the user authentication can be performed by inputting the fingerprint 802. [ However, the authentication information used for user authentication is not limited to the fingerprint 802, and various kinds of authentication information may be used according to the embodiment, such as a password, biometric information including iris recognition, and the like.

When the user authentication is completed, the original payment amount is paid by the payment card, and the savings amount displayed on the GUI 801 is transferred to the savings account. For example, referring to FIG. 8, if a user pays 39000 won to a bank card associated with a payment card, 38500 won is actually paid by POS device and payment card, 500 won is transferred to a bank account card do. From the viewpoint of the user, the final consumption is 39,000 won, but the actual payment amount is 38,500 won and 500 won is transferred to the savings account. In FIG. 8, the actual payment amount is displayed in the corresponding bank account card 804 corresponding to the money transferred to the corresponding account payment card 803, and the user can enter the actual payment amount into the bank account It is easy to know the amount to be transferred.

9 is a view illustrating a process of displaying a payment result using a bank card associated with a payment card according to an embodiment of the present invention.

As described above with reference to FIG. 6, when the user selects payment, the card 901 showing the final payment amount and the bank card 902 showing the amount to be transferred to the bank account are separated and moved in different directions indicated by arrows Start. In this case, the card 901 may display the original payment amount indicated by the deletion line and the enlarged final payment amount so that the user can easily confirm the original payment amount and the final payment amount.

When payment and savings are completed, the arrow disappears and you may see a receipt indicating that the payment and savings have been completed. In this case, the receipt may be displayed on the screen or received in the form of a text message.

The receipt distinguishes between the expenditure amount and the saving amount by displaying the card authorization amount, the expenditure amount and the saving amount. Referring to the receipt shown in FIG. 8, the card approval amount is 39,000 won, the actual expenditure of the user is 38,500 won, and the savings transferred to the bank account is 500 won.

A piggy bank icon 903 may be displayed on the receipt. When the user selects the bank icon 903, the details 904 of the bank account displayed in card form are displayed. In this case, referring to FIG. 9, information such as a recent deposit amount, a deposit date, a balance, and the like are displayed, and the user can check the recent deposit amount, date, and balance of the savings account in real time.

10 is a diagram illustrating a payment procedure using a bank account according to an embodiment of the present invention.

According to the present embodiment, the user can make a payment by cash and then execute a bank account to transfer the change to the bank account.

Specifically, the user can pay in cash at the store. The user then executes the bank account in the mobile terminal and brings the mobile terminal to the POS terminal. In this case, the change is transferred to the bank account. On the screen of the mobile terminal, a notification that the change has been deposited into the bank account is displayed.

Referring to FIG. 10, the user issues a cash payment of 10,000 won at the store and executes the bank account 110. As shown on the screen (111) of the POS device, in this case, the payment amount is 8500 won, and since the user has paid 10,000 won in cash, the change is 1500 won. The user can transfer the change to the bank account through the mobile terminal instead of receiving the change of 1500 won directly. In this case, 1500 won is deposited in the bank account, and a notification message 112 is displayed on the screen.

According to the present embodiment, a user can pay cash in a store and receive change through a user's mobile terminal. In this case, the change is transferred to the bank account through the mobile terminal.

11 is a diagram illustrating a settlement procedure using a bank account according to an embodiment of the present invention.

According to the present embodiment, the user can transfer the change to the bank account by paying in cash and then capturing the barcode of the bank account. Specifically, the user pays cash at the store. When a bar code is displayed on a screen by executing a bank account in the mobile terminal, the user brings the mobile terminal to a POS terminal or a reader communicating with the POS terminal. In this case, the change is transferred to the bank account.

Referring to FIG. 11, the user issues a cash payment of 10,000 won at the store and executes the bank account. When the bank account is executed, the bar code 113 of the bank account is displayed on the screen. As shown in the screen 114 of the POS device, in this case, the payment amount is 8500 won, and since the user has paid 10,000 won in cash, the change is 1500 won.

The user can transfer the change to the bank account through the mobile terminal instead of receiving the change of 1500 won directly. To this end, the user recognizes the bar code by printing a bar code 113 of the bank account with a reader connected to the POS device. In this case, 1500 won is deposited into the bank account, and the balance is 11500 won, and a notification message 115 is displayed on the screen.

12 is a view illustrating a settlement procedure using a bank card associated with a payment card according to an embodiment of the present invention.

According to the present embodiment, the user drags the original payment amount, changes to the final payment amount, and settles the final payment amount with the piggy bank card associated with the payment card, and returns the difference between the final payment amount and the original payment amount in cash . For example, when a user makes a payment with a card in a shop, the user can process the change by paying up the changed payment amount, and then return the changed money in cash.

Specifically, at the time of payment at the store, the user places the mobile terminal on the POS device and attempts to make payment. The user selects and executes the bank card associated with the payment card in the mobile terminal. In this case, the user drags the original payment amount displayed in the form of the GUI 121 to change the payment amount. When the user stops the drag operation and confirms the final payment amount, the GUI 122 displaying the final payment amount and the cash amount to be returned is displayed. The user confirms the payment and proceeds with the payment. After the payment is completed, the user receives the difference between the final payment amount and the original payment amount in cash.

Referring to FIG. 12, the user brings the mobile terminal to the POS device. In this state, the user executes the bank card associated with the payment card. When the payment amount of 8500 won is displayed on the GUI 121, the user touches 5 corresponding to the 100 won unit, and then drags the finger to the right side. When the user stops the drag operation, the final settlement amount is determined, and information on the final settlement amount is displayed in the GUI 122. [0050] FIG. As shown on the display of the POS device, the original payment amount is 8500 won. On the other hand, the final payment amount changed by the drag operation of the user is 9,500 won, so the cashback amount to be returned as cash is 1,000 won. In this case, the user will pay the final settlement amount of 9500 won and receive the cash of 1000 won in cash.

As a result, the user can settle the amount higher than the original payment amount with the card in the store, and can return the difference amount in cash.

FIG. 13 is a diagram illustrating a process of informing a user of a goal of a piggy bank card associated with a payment card according to an embodiment of the present invention when the target amount is achieved.

According to the present embodiment, when the target amount of the piggy bank card associated with the payment card is achieved, the piggy bank card associated with the payment card disappears and the target amount of money is stored in the bank account. If there is a remaining difference, a bank account is newly created and the difference will be kept in the bank account.

Referring to FIG. 13, for the purpose of purchasing a bicycle, 151,000 won was saved in the bank money card 131 associated with the payment card of the target amount of 150000. Therefore, the target liquid of the card 131 has already been achieved.

The user selects the bank card 131 associated with the payment card. In this case, the piggy-bank card 131 associated with the payment card disappears and the target achievement amount is stored in the bank account. If there is a remaining difference, a new bank account will be created and the difference will be kept in the created bank account. In FIG. 13, 151,000 won exceeding the target amount is saved, and two cards, that is, a bank card 132 in which 150,000 won is stored and a bank money card 133 in which 1000 won is stored, are generated.

When the user selects and executes the bank card 132 storing the money of 150000 won, the bicycle image 134 registered for the saving purpose is displayed, and the user can immediately purchase the bicycle by selecting the purchase menu 135.

FIG. 14 is a diagram illustrating a process of informing a user of a goal of a piggy bank card associated with a payment card according to an embodiment of the present invention when the target amount is achieved.

According to the present embodiment, when the savings amount by the piggy bank card associated with the payment card is achieved by the target amount, the piggy bank card associated with the payment card is displayed separately from the payment card and the piggy bank card. In this case, the user can transfer the funds to the fund such as the fund, the savings or the like based on the target amount saved in the piggy bank card, or donate it.

Referring to FIG. 14, the money money card 141 associated with the settlement card having a target liquid amount of 150000 has saved 150,000 won. Therefore, the target liquid of the card 141 has already been achieved.

The user touches the piggy bank card 141 associated with the payment card by touching the finger. In this case, the piggy bank card 141 associated with the payment card is split into two pieces and displayed separately by the payment card 143 and the bank card 142. The goal achievement amount of 150,000 won is stored in the bank card (142).

When the user selects and executes the bank card 142, the bicycle image 144 that has been registered for saving purposes is displayed, and various menu items selectable by the user are displayed. In FIG. 14, the user selects the purchase menu 145 to directly purchase the bicycle, or selects the donation menu 146 to donate the achieved target amount, or selects the fund investment menu 147 to invest the achieved target amount in the fund You can do it.

FIG. 15 is a diagram illustrating a process of transferring a savings liquid at the same time of settlement according to an embodiment of the present invention.

The user accesses the POS terminal to attempt payment (S1501). If it is desired to execute the transfer of a certain amount of savings at the same time of settlement, the user selects and executes the bank card associated with the payment card.

When the piggy bank card associated with the payment card is executed, the user changes the original payment amount to the final payment amount corresponding to the dragged length by dragging the original payment amount (S1502).

According to one embodiment, the user can drag each digit of the original payment amount displayed in the GUI and change it to the final payment amount. Specifically, when dragging a point corresponding to 1000 won unit to the left or right, the original payment amount changes by 1000 won unit, and when the point corresponding to 100 won unit is dragged to the left or right, the original payment amount may be changed by 100 won unit have. Drag left to lower the amount, drag right to raise the amount. In this case, the amount of the corresponding unit is increased by the length of the original payment amount dragged, and the number of the corresponding unit displayed on the GUI increases in real time. In addition, the number of the piggy-bank account increases in real time by the amount of money raised by dragging.

The user performs the settlement procedure for the final final settlement amount (S1503).

According to one embodiment, the user can settle the final settlement amount by the bank card associated with the payment card. Specifically, if the user authentication is successful, At the same time that the original payment amount is paid with the payment card, the difference between the final payment amount and the original payment amount is transferred to the savings account and saved (S1504).

FIG. 16 is a diagram illustrating a process of informing a user of a goal amount achievement according to an embodiment of the present invention.

By the continuous use of the user, the amount saved in the bank card associated with the credit card achieves the target amount (S1601).

In this case, the user selects the bank card associated with the credit card (S1602).

The mobile terminal determines whether the saved amount is higher than the target amount (S1603).

If the saved amount is higher than the target amount (S1603-Yes), the mobile terminal separates and displays a separate bank card for the achieved target amount, and the difference amount can be displayed on the bank card associated with the existing credit card (S1604 ).

On the other hand, if the saved amount is not higher than the target amount (S1603-No), that is, if the saved amount is equal to the target amount, a piggy bank card associated with the existing credit card disappears on the screen of the mobile terminal, The card is displayed separately (S1605).

The user performs purchase of a commodity, donation, or fund investment by using a bank card for the achieved target amount (S1606).

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 80 of the terminal. 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.

10: mobile terminal 20: wireless communication part
30: input unit 40: sensing unit
50: output unit 60: interface unit
70: memory 80:
90: Power supply

Claims (9)

In the mobile terminal,
A first user input for requesting a transfer to a predetermined account at the same time of settlement, a second user input for changing an initial payment amount to a final payment amount, and a third user input for a user authentication information; Wow
When the first user input and the second user input are inputted, user authentication for the settlement is performed based on the third user input, and when the user authentication is successful, the settlement for the first settlement amount is performed And a controller for transferring a difference between the final payment amount and the initial payment amount to the predetermined account. The method according to claim 1,
Wherein,
Displays a graphical user interface displaying the initial payment amount on the user input unit and changes the initial payment amount to the final payment amount corresponding to a drag operation input to the graphical user interface. The method according to claim 1,
The predetermined account may include:
And a savings account of a predetermined user. The method according to claim 1,
Wherein,
And when the amount accumulated in the predetermined account reaches a preset target amount, notifies the user of the notification. The method according to claim 1,
Wherein,
And generates a savings card associated with the payment card by merging a payment card that performs the payment and a savings card that performs transfer to the predetermined account based on the user's selection. 6. The method of claim 5,
Wherein,
Wherein when the user performs the settlement by the savings card associated with the settlement card, the amount corresponding to the predetermined ratio is transferred to the predetermined account. 6. The method of claim 5,
Wherein,
Displaying a savings card associated with the payment card on the user input unit in a card-shaped graphical user interface,
And separates the graphical user interface into a graphical user interface corresponding to the payment card and a graphical user interface corresponding to the savings card, respectively, when the amount accumulated in the predetermined account reaches a predetermined target amount. A method of operating a mobile terminal,
Inputting a first user input for requesting a transfer to a predetermined account upon settlement and a second user input for changing an initial payment amount to a final payment amount;
Performing user authentication for the payment based on a third user input relating to the user authentication information; And
If the user authentication is successful, performing the settlement of the initial settlement amount and transferring a difference between the final settlement amount and the initial settlement amount to the predetermined account. The method according to claim 1,
Displaying the graphical user interface displaying the initial payment amount and changing the initial payment amount to the final payment amount corresponding to a drag operation input in the graphical user interface.

Images