KR20170096741A - Mobile terminal and method for controlling the same - Google Patents
Mobile terminal and method for controlling the same Download PDFInfo
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- KR20170096741A KR20170096741A KR1020160018366A KR20160018366A KR20170096741A KR 20170096741 A KR20170096741 A KR 20170096741A KR 1020160018366 A KR1020160018366 A KR 1020160018366A KR 20160018366 A KR20160018366 A KR 20160018366A KR 20170096741 A KR20170096741 A KR 20170096741A
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- payer
- mobile terminal
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- settlement
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/353—Payments by cards read by M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The present invention relates to a mobile terminal and a control method thereof for allowing a user to more conveniently use the terminal, and more particularly, to a mobile terminal and a control method thereof, which are capable of transmitting and receiving virtual card information for a duch pay, And a control unit for controlling the communication unit and the display unit. If the main payer of the Dutch Payee, the settlement amount of the sub-payer and the sub-payer of the Dutch Pay is determined, and the settlement amount And receives a settlement approval signal and a virtual card information for a settlement amount from the mobile terminal of the sub-payer, performs card settlement for the settlement amount based on the virtual card information of the received sub-payer, If the payment payer is a sub-payer, the settlement request signal received from the mobile terminal of the main payer Accordingly, when the request to the virtual card information, and the virtual card information is received by the server of the credit card company to pay, it may transmit the received virtual card information and payment authorization signal to the mobile terminal's main payment.
Description
The present invention relates to a mobile terminal and a control method thereof, in which usage of a terminal can be realized by further considering convenience of a user.
A terminal can be divided into a mobile terminal (mobile / portable terminal) and a stationary terminal according to whether the terminal can be moved. The mobile terminal can be divided into a handheld terminal and a vehicle mount terminal according to whether the user can directly carry the mobile terminal.
Such a terminal has various functions, for example, in the form of a multimedia device having multiple functions such as photographing and photographing of a moving picture, reproduction of a music or video file, reception of a game and broadcasting, etc. .
In order to support and enhance the functionality of such terminals, it may be considered to improve the structural and / or software parts of the terminal.
2. Description of the Related Art Recently, a number of users are increasingly using a mobile terminal as a payment means, such as making a payment using a virtual card built in a mobile terminal, or transferring money using a mobile terminal.
However, users could easily purchase the product on / off line by using the payment means of the mobile terminal, but there were many inconveniences when performing the Dutch payment.
That is, in the conventional Dutch payment method, after one of the users performs settlement, the settlement amount is divided according to the number of persons, and then the payee informs the remaining persons of the payer's account number and the corresponding amount, And the complicated process of transferring the corresponding amount to the account of the payer is carried out, resulting in a lot of inconvenience.
Accordingly, there is a demand for a mobile terminal capable of performing settlement in a simple manner even in a Dutch page.
The present invention is directed to solving the above-mentioned problems and other problems. Another object of the present invention is to provide a user environment that can easily perform a Dutch payment by using an application installed in a mobile terminal.
Another object of the present invention is to provide a user environment in which a mobile terminal of a main payer performing a Dutch payee receives virtual card information from a mobile terminal of a sub-payer and can easily perform Dutch payment.
Another object of the present invention is to provide a user environment in which a settlement amount determination window for a Dutch firm can be provided to calculate a Dutch fee settlement rate.
Another object of the present invention is to provide a user environment for automatically recommending a payment card with a lot of benefits when a Dutch payment is made.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are not restrictive of the invention, unless further departing from the spirit and scope of the invention as defined by the appended claims. It will be possible.
A mobile terminal according to an embodiment of the present invention includes a communication unit that transmits and receives virtual card information for a duch pay, a display unit that displays a payment window for a Dutch pay, a control unit that controls a communication unit and a display unit And if the main payer of the Dutch payee, the control unit determines the settlement amount of the sub-payer and the sub-payer of the Dutch payer, transmits a settlement request signal for the payment amount to the mobile terminal of the sub payer, When the payment payer is a sub payment payer of the payment payer, it receives from the mobile terminal of the main payer a settlement payment for the payment amount based on the virtual card information of the received sub payment payer Requests the server of the card company to pay the virtual card information according to the payment request signal, When the card information is received and may send the received virtual card information and payment authorization signal to the mobile terminal's main payment.
A method of controlling a mobile terminal according to an exemplary embodiment of the present invention includes the steps of: checking whether a main payer or a sub-payer of a Dutch payment is a master payer; A step of transmitting a settlement request signal for a settlement amount to a mobile terminal of a sub-payer, a step of confirming whether a settlement approval signal and a virtual card information for a settlement amount are received from a mobile terminal of a sub payer, And receiving the settlement approval signal and the virtual card information of the settlement amount from the mobile terminal of the sub-payer, performing card settlement for the settlement amount based on the virtual card information of the received sub-payer.
Effects of the mobile terminal and the control method according to the present invention will be described as follows.
According to at least one of the embodiments of the present invention, it is possible to provide a user environment that can easily perform the Dutch payment by using the application installed in the mobile terminal.
According to at least one of the embodiments of the present invention, the mobile terminal of the main payer performing the Dutch payment can easily receive the Dutch card payment by receiving the virtual card information from the mobile terminal of the sub-payer.
According to at least one of the embodiments of the present invention, it is possible to provide the user convenience to calculate the rate of the Dutch payment by providing the payment amount determination window of the Dutch payment.
According to at least one of the embodiments of the present invention, it is possible to provide user convenience in automatically recommending a payment card having a lot of benefits at the time of payment of a Dutch payment.
Further scope of applicability of the present invention will become apparent from the following detailed description. It should be understood, however, that the detailed description and specific examples, such as the preferred embodiments of the invention, are given by way of illustration only, since various changes and modifications within the spirit and scope of the invention will become apparent to those skilled in the art.
1A is a block diagram illustrating a mobile terminal according to the present invention.
1B and 1C are conceptual diagrams illustrating an example of a mobile terminal according to the present invention in different directions.
2 is a perspective view illustrating an example of a watch-type mobile terminal according to another embodiment of the present invention.
3 is a perspective view illustrating an example of a glass-type mobile terminal according to another embodiment of the present invention.
4 is a block diagram illustrating a configuration module of a mobile terminal according to an exemplary embodiment of the present invention.
FIG. 5 is a schematic diagram for explaining a Dutch payment process of a mobile terminal according to an embodiment of the present invention. Referring to FIG.
6 to 8 are diagrams for explaining a dirty fee settlement process of the same rate according to an embodiment of the present invention.
9 to 12 are views showing a payment card list window according to the Dutch payment.
13 and 14 are diagrams for explaining a variable rate batch payment process according to an embodiment of the present invention.
15 to 19 are views for explaining a virtual card information requesting process according to an embodiment of the present invention.
20 is a view showing a screen of a mobile terminal of a main payer providing a settlement window for a Dutch payment.
FIG. 21 is a view showing a card settlement history according to the Dutch payment.
FIG. 22 is a flowchart illustrating a method for payment of a Dutch payment in a mobile terminal 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.
1A to 1C are block diagrams for explaining a mobile terminal according to the present invention, and FIGS. 1B and 1C are conceptual diagrams showing an example of a mobile terminal according to the present invention in different directions.
The
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In addition, the
In addition to the operations related to the application program, the
In addition, the
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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
Hereinafter, the various components of the
First, referring to the
The broadcast management server may refer to a server for generating and transmitting broadcast signals and / or broadcast related information, or a server for receiving broadcast signals and / or broadcast related information generated by the broadcast management server and transmitting the generated broadcast signals and / or broadcast related information. The broadcast signal may include a TV broadcast signal, a radio broadcast signal, a data broadcast signal, and a broadcast signal in which a data broadcast signal is combined with a TV broadcast signal or a radio broadcast signal.
The broadcasting signal may be encoded according to at least one of technical standards for transmitting and receiving a digital broadcasting signal (or a broadcasting system, for example, ISO, IEC, DVB, ATSC, etc.) It is possible to receive the digital broadcasting signal using a method conforming to the technical standard defined by the technical standards.
The broadcast-related information may be information related to a broadcast channel, a broadcast program, or a broadcast service provider. The broadcast-related information may also be provided through a mobile communication network. In this case, it may be received by the
The broadcast-related information may exist in various forms, for example, an Electronic Program Guide (EPG) of Digital Multimedia Broadcasting (DMB) or an Electronic Service Guide (ESG) of Digital Video Broadcast-Handheld (DVB-H). The broadcast signal and / or broadcast related information received through the
The
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 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.
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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
Meanwhile, the
First, the
Examples of the
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
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
On the other hand, the
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
The
The
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Also, the
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.
Generally, 3D stereoscopic images consist of left image (left eye image) and right image (right eye image). A top-down method of arranging a left image and a right image in one frame according to a method in which a left image and a right image are combined into a three-dimensional stereoscopic image, A checker board system in which pieces of a left image and a right image are arranged in a tile form, a left-to-right (right-side) Or an interlaced method in which rows are alternately arranged, and a time sequential (frame-by-frame) method in which right and left images are alternately displayed in time.
In addition, the 3D thumbnail image may generate a left image thumbnail and a right image thumbnail from the left image and right image of the original image frame, respectively, and may be generated as one image as they are combined. In general, a thumbnail means a reduced image or a reduced still image. The left image thumbnail and the right image thumbnail generated in this way are displayed on the screen with a difference of the left and right distance by the depth corresponding to the parallax between the left image and the right image, thereby exhibiting a stereoscopic spatial feeling.
The left and right images necessary for realizing the three-dimensional stereoscopic image can be displayed on the stereoscopic display unit by the stereoscopic processing unit. The stereoscopic processing unit receives a 3D image (an image at a reference time point and an image at an expansion point), sets a left image and a right image therefrom, or receives a 2D image and converts it into a left image and a right image.
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The signal output from the
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The identification module is a chip for storing various information for authenticating the use right of the
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Meanwhile, as described above, the
In addition, the
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In addition, the
As another example, the
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.
Referring to FIGS. 1B and 1C, the disclosed
Here, the terminal body can be understood as a concept of referring to the
The
A
In some cases, electronic components may also be mounted on the
As shown, when the
These
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1B and 1C, a
However, these configurations are not limited to this arrangement. These configurations may be excluded or replaced as needed, or placed on different planes. For example, the
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The touch sensor may be a film having a touch pattern and disposed between the
In this way, the
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In this figure, the
The contents input by the first and
On the other hand, a rear input unit (not shown) may be provided on the rear surface of the terminal body as another example of the user input unit 123. The rear input unit is operated to receive a command for controlling the operation of the
The rear input unit may be disposed so as to overlap with the
When a rear input unit is provided on the rear surface of the terminal body, a new type of user interface using the rear input unit can be realized. When the
Meanwhile, the
The
The
And a second camera 121b may be disposed on a rear surface of the terminal body. In this case, the second camera 121b has a photographing direction which is substantially opposite to that of the
The second camera 121b may include a plurality of lenses arranged along at least one line. The plurality of lenses may be arranged in a matrix form. Such a camera can be named an 'array camera'. When the second camera 121b is configured as an array camera, images can be taken in various ways using a plurality of lenses, and a better quality image can be obtained.
The
And a second
The terminal body may be provided with at least one antenna for wireless communication. The antenna may be embedded in the terminal body or formed in the case. For example, an antenna constituting a part of the broadcast receiving module 111 (see FIG. 1A) may be configured to be able to be drawn out from the terminal body. Alternatively, the antenna may be formed in a film type and attached to the inner surface of the
The
The
The
Meanwhile, in the present invention, information processed in the mobile terminal can be displayed using a flexible display. Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.
2 is a perspective view showing an example of a watch-type
2, a watch-type
The
The watch-type
A
The
The
On the other hand, the
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3 is a perspective view showing an example of a glass-type
The glass-type
The frame portion is supported on the head portion, and a space for mounting various components is provided. As shown in the figure, electronic parts such as the
The
The
The
As described above, the image output through the
The
Although the
The glass-type
In addition, the glass-type
Next, a communication system that can be implemented through the
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
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 broadcast transmission unit (BT) transmits a broadcast signal to
In addition, a Global Positioning System (GPS) may be associated with the CDMA wireless communication system to identify the location of the
The
The
The WiFi Positioning System (WPS) is a system in which a
The WiFi location tracking system may include a Wi-Fi location server, a
The
The Wi-Fi position location server extracts information of the wireless AP connected to the
The information of the wireless AP to be extracted based on the location information request message of the
As described above, the Wi-Fi position location server can receive the information of the wireless AP connected to the
Then, the Wi-Fi location server can extract (or analyze) the location information of the
As a method for extracting (or analyzing) the position information of the
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 extracted location information of the
The
As shown in FIG. 1A, a mobile terminal according to the present invention includes Bluetooth (registered trademark ), Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, Field Communication), and Wireless USB (Wireless Universal Serial Bus).
Among them, the NFC module provided in the mobile terminal supports the non-contact type short-range wireless communication between the terminals at a distance of about 10 cm. The NFC module may operate in either a card mode, a reader mode, or a P2P mode. In order for the NFC module to operate in the card mode, the
When the NFC module is operated in the card mode, the mobile terminal can transmit the stored card information to the outside such as a conventional IC card. Specifically, if the mobile terminal storing the card information of the payment card such as a credit card or a bus card is brought close to the fare payment machine, the mobile local payment can be processed, and the mobile terminal storing the card information of the access card can be accessed If you are close to the time, the approval process for access may begin. Cards such as credit cards, transportation cards, and access cards are mounted on the security module in the form of an applet, and the security module can store card information on the mounted card. Here, the card information of the payment card may be at least one of a card number, balance, and usage details, and the card information of the access card may include at least one of a name, a number (e.g., It can be one.
When the NFC module is operated in the reader mode, the mobile terminal can read data from an external tag. At this time, the data received from the mobile terminal by the tag may be coded into a data exchange format (NFC Data Exchange Format) defined by the NFC Forum. In addition, the NFC Forum defines four record types. Specifically, the NFC forum defines four RTDs (Record Type Definitions) such as Smart Poster, Text, Uniform Resource Identifier (URI), and General Control. If the data received from the tag is a smart poster type, the control unit executes a browser (e.g., an Internet browser), and if the data received from the tag is a text type, the control unit can execute the text viewer. When the data received from the tag is a URI type, the control unit executes the browser or makes a telephone call, and if the data received from the tag is a general control type, it can execute appropriate operations according to the control contents.
When the NFC module is operated in a peer-to-peer (P2P) mode, the mobile terminal can perform P2P communication with another mobile terminal. At this time, LLCP (Logical Link Control Protocol) may be applied to P2P communication. For P2P communication, a connection can be created between the mobile terminal and another mobile terminal. At this time, the generated connection can be divided into a connectionless mode in which one packet is exchanged and terminated, and a connection-oriented mode in which packets are exchanged consecutively. Through P2P communications, data such as business cards, contact information, digital photos, URLs in electronic form, and setup parameters for Bluetooth and Wi-Fi connectivity can be exchanged. However, since the usable distance of NFC communication is short, the P2P mode can be effectively used to exchange small-sized data.
Hereinafter, embodiments related to a control method that can be implemented in a mobile terminal configured as above will be described with reference to the accompanying drawings. It will be apparent to those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.
In addition, although embodiments of the present invention will be described by exemplifying the case where the mobile terminal is the
Hereinafter, referring to FIG. 4 through FIG. 22, examples of a Dutch payment method using a mobile terminal according to an embodiment of the present invention will be described.
4, a
Here, the
In addition, the
The
Next, the
Next, the
For example, if the main payer is a Dutch payment, the
In addition, if the payment payer is a sub payment payer of the Dutch payment, the
In the mobile terminal according to the embodiment of the present invention, a specific application for using the mobile terminal as a payment means is installed. The meaning of using the mobile terminal as a payment means may mean that the user of the mobile terminal registers his or her account in the specific application and either makes a payment in the balance of the registered account or remits it to another person, It may mean that a user of the mobile terminal registers his / her card (credit card, check card, etc.) in a specific application and makes a payment using a registered card. The payment using the mobile terminal may be performed offline or online.
The specific application may be an application embedded in the mobile terminal, an application installed in the mobile terminal when the operating system or firmware of the mobile terminal is upgraded, or an application installed and downloaded from the external server by the user of the mobile terminal.
For example, a particular application may be a payment application specific for mobile payments, or a messenger application (or social service application) if the mobile payment service (or co-fund management service) is supported.
FIG. 5 is a schematic diagram for explaining a Dutch payment process of a mobile terminal according to an embodiment of the present invention. Referring to FIG.
5, when the
The
Subsequently, the mobile terminals B-1, B-2, and B-3 521, 522, and 523 of the sub-payer are informed by the payment request signal received from the
Next, the
When the
In addition, the
Accordingly, if the main payer of the Dutch Payee, the
At this time, the
In response to a payment request signal received from the mobile terminal of the main payer, the
At this time, if the payment request signal is received from the mobile terminal of the main payer, the
Also, the
For example, the settlement amount determination window of the Dutch payment system may include a button for calculating the same rate to determine the amount of settlement by dividing the total amount to be paid and the total amount to be paid to each other at the same rate, and a variable amount And a ratio calculation button.
Here, if the same ratio calculation button is selected, the
Subsequently, the
Here, when providing the payment card list window, the
At this time, the
In some cases, when the payment card item included in the payment card list window is selected, the
In another case, when at least one payment card is selected from the payment card list window, the
For example, the payment amount list window may include a pairing password input field and a payment request button for selective pairing with a sub-payer's mobile terminal.
In addition, when the variable ratio calculation button is selected, the
Then, the
For example, the payment amount list window may include a pairing password input field and a payment request button for selective pairing with a sub-payer's mobile terminal.
In addition, when the
In addition, when the
As an example, the payment window may include a total amount to be paid, a payment list to approve the Dutch payment, and a payment button.
Here, the Payer list may include main and sub payer items, settlement amounts of the main and sub payer, and a Dutch payer approval mark of the main and sub payer.
The settlement button can be created in the settlement window if all of the main settlement payer and the payee's approval mark are displayed.
Next, when the
On the other hand, when the
For example, the payment approval window may include a total amount to be paid, a requested payment amount, a total number of payment persons, a password input field, and a payment approval and rejection button.
Here, when the password is input in the password input field and the payment approval button is selected, the
At this time, when providing the payment card list window, the
For example, the
In some cases, when the payment card item included in the payment card list window is selected, the
In another case, when at least one payment card is selected from the payment card list window, the
Next, when at least one payment card is selected from the payment card list window, the
As an example, the virtual card information may include a disposable virtual card number and an expiration time of the virtual card.
Here, the disposable virtual card number may be replaced with a token type in which some or all of the actual card numbers are mixed with any alphabet and numerals, or a token type composed of only arbitrary numbers.
6 to 8 are diagrams for explaining a dirty fee settlement process of the same rate according to an embodiment of the present invention.
As shown in FIG. 6, when the user touches the
Here, the settlement
7, the control unit of the mobile terminal may provide the peripheral
Here, the peripheral
The control unit of the mobile terminal may recognize the selected terminal as a sub-payer of the Dutch payment when at least one terminal requesting the Dutch payment is selected from the neighboring
Next, the control unit of the mobile terminal divides the total amount to be paid out by the same ratio to determine the settlement amount of the main payer and the sub-payer.
Here, the control unit of the mobile terminal displays the total amount to be paid and the Dutch payment amount in the
8, when the
Here, when providing the payment
In some cases, the control unit of the mobile terminal may arrange the recommended payment card items in the order of the highest degree of benefit provided to the main payer when selecting only the recommended payment card items.
In another case, when the payment card item included in the payment
As another example, when at least one payment card is selected from the payment
For example, the payment
A screen switching indicator 922 is displayed on one side of the payment
When the at least one payment card is selected from the payment
For example, the payment
A
If the
Here, the controller of the mobile terminal may transmit a settlement request signal by setting a pairing password when transmitting a settlement request signal for the settlement amount to the mobile terminal of the sub-payer.
9 to 12 are views showing a payment card list window according to the Dutch payment.
9 to 12, the controller of the mobile terminal may provide a payment
For example, as shown in FIG. 9, when providing the payment
Here, the control unit of the mobile terminal may be configured to select all the payment cards of the main payer stored in the mobile terminal according to the order of the storage date, the order of the payment date, the order of the number of times of use, (920).
In some cases, as shown in FIG. 10, the control unit of the mobile terminal may provide only the recommended payment card item among all the payment card items of the main payer when providing the payment
For example, when the recommended payment card items are selected and provided, the control unit of the mobile terminal arranges the recommended payment card items in the payment
In this case, since the mobile terminal first shows the payment card advantageous to the user, convenience for the user can be provided.
11, when the at least one payment card is selected from the payment
Then, the control unit of the mobile terminal may arrange the payment card having the largest benefit in the payment
In this case, the mobile terminal can automatically provide a convenience to the user by selecting a payment card advantageous to the user.
12, when the payment card item included in the payment
In this case, the mobile terminal can display the benefit information of the payment card, thereby providing convenience for the user to select the payment card.
13 and 14 are diagrams for explaining a variable rate batch payment process according to an embodiment of the present invention.
When the user operates the Dutch Pay application displayed on the main screen, the control unit of the mobile terminal recognizes the user as the main payee of the Dutch Pay and displays the Dutch payment
Here, the settlement
As shown in FIG. 13, when the variable
Here, the peripheral
The control unit of the mobile terminal may recognize the selected terminal as a sub-payer of the Dutch payee when at least one terminal requesting the Dutch Pay payment is selected from the peripheral
Here, the control unit of the mobile terminal displays the total amount to be paid and the number of sub-payer including the main payer in the
14, when the
Here, when providing the payment
In some cases, the control unit of the mobile terminal may arrange the recommended payment card items in the order of the highest degree of benefit provided to the main payer when selecting only the recommended payment card items.
In another case, when the payment card item included in the payment
As another example, when at least one payment card is selected from the payment
For example, the payment
A
The control unit of the mobile terminal then inputs the settlement amount into the payment
For example, the payment
Then, a scroll arrow is displayed on one side of the
In addition, when the
Here, the controller of the mobile terminal may transmit a settlement request signal by setting a pairing password when transmitting a settlement request signal for the settlement amount to the mobile terminal of the sub-payer.
15 to 19 are views for explaining a virtual card information requesting process according to an embodiment of the present invention.
As shown in FIG. 15, when the payment request signal is received from the mobile terminal of the main payer, the control unit of the mobile terminal can recognize itself as the sub payer of the Dutch payment.
Accordingly, the controller of the mobile terminal can provide the
For example, the
In addition, the
16, when the password is input into the
Here, when providing the payment
In some cases, the controller of the mobile terminal can arrange the recommended payment card items in the order of the greatest degree of benefit provided to the sub-payer when selecting only the recommended payment card items.
In another case, when the payment card item included in the payment
As another example, when at least one payment card is selected from the payment
For example, as shown in FIG. 17, when providing the payment
For example, when selecting only the recommended payment card items, the control unit of the mobile terminal arranges the recommended payment card items in the payment
In this case, since the mobile terminal first shows the payment card advantageous to the user, convenience for the user can be provided.
On the other hand, the payment
The
When at least one payment card item is selected from the payment
19, when the virtual card
Upon receiving the virtual card information from the card issuer server, the controller of the mobile terminal can transmit the virtual card
Here, the virtual card information may include the one-time virtual card number and the expiration time of the virtual card.
As an example, the disposable virtual card number may be replaced with a token type in which some or all of the actual card number is mixed with any alphanumeric character or a random number.
The control unit of the mobile terminal can display the
Here, the disposable virtual card number is invalidated after the expiration time of the virtual card, and the virtual card number can not be used.
Therefore, after the expiration time of the virtual card, the user must re-request the virtual card information.
The reason for this is to prevent the risk of leakage of the virtual card information by enhancing security based on settlement.
When the controller of the mobile terminal recognizes that the subscriber is a subscriber of the Dutch Payee, the controller of the mobile terminal requests the server of the card company to pay for the virtual card information according to the payment request signal received from the mobile terminal of the main payer, When the information is received, the received virtual card information and the payment approval signal can be transmitted to the mobile terminal of the main payer.
18 is a chart showing the token format of the virtual card information.
As shown in FIG. 18, the mobile terminal, which is a sub-payer, receives the virtual card information received from the server of the card company, and the virtual card information may include the one-time virtual card number and the expiration time of the virtual card.
Here, the one-time virtual card number is a virtual card number formatted with a real card number as a token type.
As an example, the disposable virtual card number may be replaced with a token type in which some or all of the actual card number is mixed with any alphanumeric character or a random number.
Therefore, the mobile terminal, which is the sub-payment processor, can perform the Dutch payment by transmitting the one-time virtual card number to the mobile terminal of the main payer.
20 is a view showing a screen of a mobile terminal of a main payer providing a settlement window for a Dutch payment.
As shown in FIG. 20, when the control unit of the mobile terminal, which is the main payment unit, receives the settlement approval signal and the virtual card information for the settlement amount from the mobile terminal of the sub-payer, it can provide the
Here, the
The
Here, the
If the
When the control unit of the mobile terminal recognizes that it is the main payer of the Dutch Payee, the payment unit of the sub-payer and the sub-payer of the Dutch Payee is determined, the payment request signal for the payment amount is transmitted to the mobile terminal of the sub- Upon receipt of the settlement approval signal and the virtual card information of the settlement amount from the payer's mobile terminal, card settlement for the settlement amount can be performed based on the virtual card information of the received sub-payer.
FIG. 21 is a view showing a card settlement history according to the Dutch payment.
As shown in FIG. 21, the control unit of the mobile terminal, which is the main payment unit, calculates the Dutch payment amount, transmits a payment request signal for the payment amount to the mobile terminal of the sub payer, Upon receiving the approval signal and the virtual card information, it is possible to perform card settlement for the settlement amount based on the virtual card information of the received sub-payer.
Here, the payment window of the mobile terminal, which is the main payment agent, may include a
When the
The settlement
FIG. 22 is a flowchart illustrating a method for payment of a Dutch payment in a mobile terminal according to an embodiment of the present invention.
As shown in FIG. 22, the mobile terminal confirms whether it is the main payer of the Dutch payment (S10)
For example, when the application for executing the Dutch pay is selected, the mobile terminal recognizes that it is the main payer of the Dutch Payee, and recognizes that it is the sub-payer of the Dutch Payee when the payment request signal is received from the mobile terminal of the main payer.
Then, if the mobile payment terminal is the main payer of the Dutch Pay, the mobile terminal determines the settlement amount of the sub-payer and the sub-payer of the Dutch Pay. (S20)
Then, the mobile terminal transmits a payment request signal for the payment amount to the mobile terminal of the sub-payer (S30)
Next, the mobile terminal confirms whether a payment approval signal for the payment amount and the virtual card information are received from the mobile terminal of the sub-payer. (S40)
When the mobile terminal receives the settlement approval signal and the virtual card information for the settlement amount from the mobile terminal of the sub-payer, the mobile terminal can perform the card settlement for the settlement amount based on the virtual card information of the received sub-payer. )
Then, the mobile terminal confirms whether or not the Dutch Pay payment has been terminated. If the Dutch Pay payment is terminated (S60), the mobile terminal can terminate all the Dutch Pay payment processes.
On the other hand, if the mobile terminal is not the main payer of the Dutch Pay, the mobile terminal checks whether it is a sub-payer (S70)
If the mobile payment terminal is a sub payment payer of the Dutch payment, the mobile terminal checks whether a payment request signal is received from the mobile payment terminal of the main payer (S80)
Then, when the payment request signal is received, the mobile terminal requests the virtual card information to the server of the card company to be charged (S90)
Next, the mobile terminal confirms whether the requested virtual card information is received (S100).
When the virtual card information is received, the mobile terminal can transmit the received virtual card information and the payment approval signal to the mobile terminal of the main payer (S110)
As described above, the present invention can easily perform the Dutch payment by using the application installed in the mobile terminal.
In addition, the present invention can easily perform the Dutch payment by receiving the virtual card information from the mobile terminal of the sub-payer by the mobile terminal of the main payer performing the Dutch pay.
In addition, the present invention can provide the convenience of the user to calculate the rate of the Dutch payment by providing the payment amount determination window of the Dutch payment.
In addition, the present invention can provide user convenience in automatically recommending a payment card with a lot of benefits at the time of payment of a Dutch payment.
It will be apparent to those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.
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 ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and also implemented in the form of a carrier wave (for example, transmission over the Internet) . Also, the computer may include a control unit 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.
100: mobile terminal 110: wireless communication unit
120: input unit 140: sensing unit
150: output unit 160: interface unit
170: memory 180:
190: Power supply
Claims (15)
A display unit for displaying a settlement window for the Dutch page; And,
And a control unit for controlling the communication unit and the display unit,
Wherein,
The settlement amount of the sub-payer and the sub-payer of the Dutch payment is determined, and a payment request signal for the payment amount is transmitted to the mobile terminal of the sub-payer, When the payment acceptance signal and the virtual card information for the settlement amount are received from the virtual settlement means, the settlement of the settlement amount is performed based on the virtual card information of the received sub-
The virtual payer of the Dutch payee requests the virtual card information to the server of the card company to pay according to the payment request signal received from the mobile terminal of the main payer, and when the virtual card information is received, And transmits the virtual card information and the payment approval signal to the mobile terminal of the main payer.
When the application for executing the Dutch Pay is selected, recognizes the main payer of the Dutch Pay.
And when the payment request signal is received from the mobile terminal of the main payer, the mobile terminal recognizes the subscriber as a sub-payer of the Dutch payment.
And provides a payment amount determination window of the Dutch payment when determining the settlement amount of the sub-payer and the sub-payer of the Dutch payment.
And a variable rate calculating button for determining a payment amount by dividing the total amount to be paid by a different ratio and calculating an equal ratio to determine a payment amount by dividing the total amount to be paid out and the total amount to be paid out by the same ratio, .
When the same ratio calculation button is selected, a peripheral terminal list window to be communicated is provided,
If at least one terminal is selected from the neighboring terminal list window, the selected terminal is recognized as a sub-
Determining a settlement amount of the main payer and a sub-payer by dividing the total amount to be paid out by the same ratio, providing a payment card list window of the main payer having the determined payment amount of the main payer,
And providing a payment amount list window including a payment amount of the main payer and the sub payer when the at least one payment card is selected from the payment card list window.
When the variable ratio calculation button is selected, a peripheral terminal list window for communication connection is provided,
If at least one terminal is selected from the neighboring terminal list window, the selected terminal is recognized as a sub-
Providing a payment card list window of the main payer including a payment amount input field of the main payer and payment card items,
And providing a payment amount list window including a payment amount input field of the sub-payer when the payment amount is inputted into the payment amount input field of the main payer and at least one payment card item is selected from the payment card list window terminal.
And provides a settlement window for the Dutch payee upon receiving the settlement approval signal and the virtual card information for the settlement amount from the mobile terminal of the sub-payer.
A total amount to be paid, a payee list for approving the Dutch payment, and a payment button.
And when the subscriber is a sub-payer of the Dutch payment, receiving a settlement request signal from the mobile terminal of the main payer, the settlement approval window is provided.
A total payment amount, a requested payment amount, a total number of payment persons, a password input field, and a payment approval and rejection button.
Providing a payment card list window of the sub-payer including the payment amount of the sub-payer when the password is input in the password input field and the payment approval button is selected,
And requests the virtual card information to the card company server of the selected payment card when at least one payment card is selected from the payment card list window.
The number of one-time virtual cards, and the expiration time of the virtual card.
Determining a settlement amount of the sub-payer and the sub-payer of the Dutch page if the main payer is the Dutch payee;
Transmitting a payment request signal for the payment amount to the mobile terminal of the sub-payer;
Confirming whether a payment approval signal and virtual card information for the payment amount are received from the mobile terminal of the sub-payer; And,
And performing card settlement for the settlement amount based on the virtual card information of the received sub-payer upon receiving the settlement approval signal and the virtual card information for the settlement amount from the mobile terminal of the sub-payer Of the mobile terminal.
Checking whether a settlement request signal is received from a mobile terminal of the main payer if the payer of the Dutch payee is a sub payer;
Requesting virtual card information to a server of a card company to settle the payment request signal; And,
Confirming whether the requested virtual card information is received; And,
And transmitting the received virtual card information and a payment approval signal to the mobile terminal of the main payer when the virtual card information is received.
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KR1020160018366A KR20170096741A (en) | 2016-02-17 | 2016-02-17 | Mobile terminal and method for controlling the same |
Applications Claiming Priority (1)
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KR1020160018366A KR20170096741A (en) | 2016-02-17 | 2016-02-17 | Mobile terminal and method for controlling the same |
Publications (1)
Publication Number | Publication Date |
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KR20170096741A true KR20170096741A (en) | 2017-08-25 |
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2016
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