RU2615062C2 - Method and device for determining element based on environment interaction - Google Patents

Abstract

FIELD: information technology.

SUBSTANCE: in the process, the history of card usage is given, the information related to the environment of the device calculations is given, the usage of card in the calculations is determined, based on obtained information that is associated with the environment of the device calculations and obtained history of card usage, and provide information on the calculations, associated with a particular card, to the point-of-sale (POS) terminal. Getting information associated with the environment of the calculations comprises obtaining information about the environment of the calculations from (one of): the sensor of the device or the POS terminal or the payment server, and the card image associated with a particular card is displayed on the unlock screen, and the card definition comprises a step of the card definition based on the received user input associated with the card image displayed on the unlock screen of the device and authentification of the user with respect to a particular card.

EFFECT: automated determination of the relevant information for interaction between the devices.

23 cl, 18 dwg

Description

FIELD OF THE INVENTION

[1] Exemplary embodiments relate to a method and apparatus for determining an element, such as, for example, a map that is used in an interaction, such as, for example, calculations based on an interaction environment, such as, for example, a calculation environment.

BACKGROUND

[2] Due to the rapid improvement of computer network environments, electronic Internet commerce is widely used by people. When buying goods online, transfers from accounts between banks and a credit card are often used as a method of payment, and recently electronic money, which can take the form of an electronic wallet or electronic cards, is widely used.

[3] In addition, recently, during bank financial transactions or commercial transactions, payment settlements using a mobile terminal have been growing. The storage capacity of a card with microcircuits is significantly increased due to the development of a card with integrated circuit (IC) microcircuits, and therefore, several cards can be stored in a single-chip card. A side key or hot key is attached to one side of the mobile terminal, into which a card with IC chips is installed and can be used during payment calculations. However, for user calculations by using the card stored in the mobile terminal, the calculation key must be pressed after unlocking the mobile terminal and then selecting the desired card by pressing the function key through the menu-driven interface, which leads to significant inconvenience.

SUMMARY OF THE INVENTION

THE SOLUTION OF THE PROBLEM

[4] Exemplary embodiments provide a method and apparatus that determines a suitable map for various settlement environments and simplifies calculations by using a specific map.

BRIEF DESCRIPTION OF THE DRAWINGS

[5] The above and other features and advantages of the inventive concept of the present invention should become more apparent through a detailed description of exemplary embodiments with reference to the accompanying drawings, of which:

[6] FIG. 1 is a schematic block diagram of a settlement system for performing settlements for a transaction that encloses goods by using a card that is selected based on the settlement environment, according to an exemplary embodiment;

[7] FIG. 2 is a flowchart illustrating a method by which a device is used to select a card for calculations based on a calculation environment, and by which a device is used to provide card information that is associated with a selected card, according to an exemplary embodiment;

[8] FIG. 3 is a flowchart illustrating a method by which a device displays a list of recommended cards and selects a card to be used in calculations according to a received user input, according to an exemplary embodiment;

[9] FIG. 4 is a table that shows the priority for each card, which is set by the device in accordance with the elements that are included in the history of calculations;

[10] FIG. 5 is a table that shows benefit information for each card recommended by the device;

[11] FIG. 6 is a flowchart illustrating a method by which a device retrieves a card based on a priority with respect to a calculation environment, according to an exemplary embodiment;

[12] FIG. 7 is a diagram that illustrates an example in which a device displays a list of recommended maps in a horizontal view;

[13] FIG. 8 is a diagram that illustrates an example in which map images are displayed on a device unlock screen;

[14] FIG. 9 shows diagrams that illustrate corresponding examples of a calculation window that is displayed on a device screen;

[15] FIG. 10 is a diagram that illustrates an example in which map information is displayed on a device unlock screen;

[16] FIG. 11 shows diagrams that illustrate corresponding examples in which map information is displayed in detail on a device screen based on its display mode;

[17] FIG. 12 is a block diagram of an apparatus according to an exemplary embodiment; and

[18] FIG. 13 is a block diagram of an apparatus according to another exemplary embodiment.

[19] FIG. 14 is a flowchart illustrating a method by which a device maps location information to map information according to an exemplary embodiment;

[20] FIG. 15 is a flowchart illustrating a method by which a device recommends a map based on location information according to an exemplary embodiment;

[21] FIG. 16 is a flowchart illustrating a method by which a device maps a store name extracted from user schedule information to a map according to an exemplary embodiment; and

[22] FIG. 17 is a flowchart illustrating a method by which a device displays card information regarding a card mapped to a predetermined store name according to an exemplary embodiment.

[23] FIG. 18 is a diagram illustrating an example in which a map associated with a device location or a store name is displayed on a device screen according to an exemplary embodiment.

DETAILED DESCRIPTION OF THE INVENTION

[24] According to an aspect of one or more exemplary embodiments, a method is provided for determining, by using a device, a card to be used in the calculations, the method including: obtaining a history of using the card for a card that is applicable by the device; obtaining information that is related to the environment for calculating the device; determination, through the use of the device, of the card to be used in the calculations, based on the information received that is related to the environment of the calculations, and the received history of using the card; and providing settlement information that is associated with a particular card to a trading (POS) terminal.

[25] Obtaining information that is related to the settlement environment may include obtaining information that is related to the location of the device, and determining the map may include determining the map to be used in the calculations based on the information that is associated with device location.

[26] The definition of a card may include retrieving cards that are related to the settlement environment based on the history of using the card, comparing the respective benefits of the extracted cards with each other and using the comparison result to determine the recommendation for the card to be used in the calculations. .

[27] The history of the use of the card may include at least one of the card number, settlement time, settlement date, settlement location, and product name.

[28] A map image that is associated with a particular recommendation may be displayed on the device unlock screen, and the map definition may include a map definition based on the received user input that is associated with the map image displayed on the device unlock screen.

[29] When the calculations to be carried out by using a specific card can be safely performed, at least part of the calculation window of a specific card can be displayed with a predefined color.

[30] The method may further include receiving information related to the goods from the POS terminal, wherein the received information related to the goods includes at least one of a current date, a current time, an expiration date the expiration date of the goods, the identification value of the goods, the value of the goods and the identification value of the participating store, which corresponds to the POS terminal.

[31] The method may further include determining a display mode of the device, wherein determining the map includes determining whether or not to display a list of recommended maps on the screen of the device based on a specific display mode, and selecting a map to be used in the calculations , based on the received user input that is associated with the displayed list of recommended cards.

[32] The display mode may include at least one of a horizontal view mode and a vertical view mode.

[33] Receiving information related to goods from a POS terminal may include receiving information related to goods from a POS terminal via near field communication (NFC), and providing settlement information that is associated with a specific card , may include providing settlement information to the POS terminal via NFC.

[34] According to another aspect of one or more exemplary embodiments, there is provided a device for determining a card to be used in the calculations, the device including: a card usage history repository that is configured to store a card usage history for a card that is applicable using the device; a node for obtaining information of the environment of the calculation, which is configured to receive information that is associated with the environment of the calculation of the device; a card selection node that is configured to select a card to be used in the calculations based on the information received that is related to the environment of the calculations and the stored history of using the card; and a card information providing unit that is configured to provide settlement information that is associated with the selected card to a POS terminal.

[35] The node for obtaining information of the environment of the calculation can be further configured to receive information that is related to the location of the device, and the node selection card can be further configured to determine the map to be used in the calculations based on the information that is associated with the location of the device.

[36] The card selection unit may be further configured to retrieve cards that are related to the calculation environment based on the stored history of using the card to compare the respective benefits of the extracted cards with each other and use the comparison result to determine the recommendation for the card, which should be used in the calculations.

[37] The history of the use of the card may include at least one of the card number, settlement time, settlement date, settlement location, and product name.

[38] An image of a card that is associated with a particular recommendation may be displayed on the device unlock screen, and the card selection unit may be further configured to select a card based on the received user input, which is associated with a map image displayed on the device unlock screen.

[39] When the calculations to be carried out using the selected card can be safely performed, at least a part of the calculation window of the selected card can be displayed with a predefined color.

[40] The card selection node may be further configured to determine whether or not to display a list of recommended cards on the device screen, based on the device display mode, and select a card to be used in the calculations based on the received user input that is associated with a displayed list of recommended cards.

[41] The display mode may include at least one of a horizontal view mode and a vertical view mode.

[42] The card information providing unit may be further configured to provide settlement information to a POS terminal via near field communication (NFC).

[43] According to another aspect of one or more exemplary embodiments, a method is provided for using the first device in conjunction with the first user and the second user, the first device including a graphical user interface for providing I / O characteristics with respect to the first user, the method includes: accessing information that is associated with each of the many elements that are associated with the first the user, and the information includes information of the first element, which is at least related to the history of use of the first element, and information of the second element, which is at least related to the history of use of the second element; obtaining environmental information that is related to the environment in which the interaction is to be performed; using the first device in order to select, from among the plurality of elements, an element for use in connection with performing an interaction based on access information and acquired environmental information, and generating information that is related to performing an interaction based on the selection result; transmitting, to the second device, which is associated with the second user, the generated information that is associated with the execution of the interaction; and displaying, through the graphical user interface and on the screen of the first device, at least a portion of the generated information that is associated with the execution of the interaction.

[44] Information of the first element may include many characteristics of information of the first element, information of the second element may include many characteristics of information of the second element, and environmental information may include many characteristics of information of the environment. Using the device to select a map may include assigning corresponding priority values to each of the plurality of elements for each of the plurality of characteristics of the environment information and assigning respective weights to each of the characteristics of the information of the first element, each of the information characteristics of the second element and each of the information characteristics surroundings.

[45] The information of the first element may additionally be associated with at least one privilege that arises for the first user in connection with the use of the first element, and the information of the second element may further be associated with at least one privilege that arises for the first user in connection with the use of the second element.

[46] The method may further include instructing the first user to provide input via a graphical user interface of the first device with respect to the plurality of elements. Using the first device to select an item may further be based on the received user input, which is taken as a result of the indication.

[47] An indication may include displaying, through a graphical user interface and on a device screen, information specific to an item of information that is associated with at least one of the plurality of items.

[48] An indication may include displaying, through the user interface and on the device screen, a plurality of images, each of which appropriately corresponds to a corresponding one of the plurality of elements, and providing an indicator on the device display that is associated with a recommendation that is based on information for access and environmental information received.

[49] The method may further include using the first device to receive authentication information that is associated with the first user regarding the selected item, and using the received authentication information to determine whether or not the interaction can be safely performed.

[50] Obtaining environmental information may include obtaining information that is related to the location of the first device, and using the first device to select an item, may include using the first device to select an item based on the received environmental information, which is associated with the location of the first device.

[51] The environment information may include at least one of a current date, a current time, an expiration date that is associated with the interaction, an identification value that is associated with the interaction, identification information that is associated with the second user, and identification information that is associated with the second device.

[52] The method may further include determining a display mode of the first device. Using the first device to select an item may include determining whether or not to display the list of recommended items through the user interface on the screen of the first device based on a specific display mode, and selecting the item to be used in the interaction based on accepted user input, which is associated with the displayed list of recommended items.

[53] The display mode may include at least one of a horizontal view mode and a vertical view mode.

[54] Obtaining environmental information may include receiving environmental information from the second device via near field communication (NFC), and transmitting the generated information that is associated with the interaction may include transmitting the generated information to the second device via NFC.

[55] According to another aspect of one or more exemplary embodiments, a first device is provided for use in connection with performing an interaction between a first user and a second user. The first device includes: a storage device that is configured to store information associated with the element that is associated with each of a plurality of elements that are associated with the first user, the information including information of the first element, which is at least related to a history of using the first element, and information of the second element, which is at least related to the history of using the second element; a transceiver that is configured to receive environmental information that is related to the environment in which the interaction is to be performed; and a processor that is configured to select, from among the plurality of elements, an element for use in connection with performing an interaction based on the stored information associated with the element and received environmental information and generate information that is associated with performing the interaction based on the selection result. The transceiver is further configured to transmit to the second device, which is associated with the second user, the generated information that is associated with the execution of the interaction.

[56] Information of the first element may include many characteristics of information of the first element, information of the second element may include many characteristics of information of the second element, and environmental information may include many characteristics of information of the environment. The processor may be further configured to assign appropriate priority values to each of a plurality of elements for each of a plurality of environmental information characteristics and assign respective weighting factors to each of the first information information characteristics, each of the second information information characteristics and each of the environmental information characteristics.

[57] Information of the first element may additionally be associated with at least one privilege that occurs for the first user in connection with the use of the first element, and information of the second element may further be associated with at least one privilege that arises for the first user in connection with the use of the second element.

[58] The processor may be further configured to direct the display of the first device to display indicative information that is related to instructing the first user to provide input on a plurality of elements and select an element from the plurality of elements based on stored information associated with the element, received environmental information, and received user input, which is received in response to the displayed information with instructions.

[59] The processor may be further configured to direct the display to display item-specific information that is associated with at least one of the plurality of items.

[60] The processor may be further configured to direct the display to display a plurality of images, each of which appropriately corresponds to a respective one of the plurality of elements, and display an indicator that is associated with a recommendation that is based on stored information and received environmental information.

[61] The transceiver may be further configured to receive authentication information that is associated with a first user regarding a selected item. The processor may be further configured to use received authentication information to determine whether or not communication can be safely performed.

[62] The transceiver may be further configured to receive information that is related to the location of the first device. The processor may be further configured to select an item based on received information that is associated with the location of the first device.

[63] The environment information may include at least one of a current date, a current time, an expiration date that is associated with the interaction, an identification value that is associated with the interaction, identification information that is associated with the second user, and identification information that is associated with the second device.

[64] The processor may be further configured to determine a display mode of a first device and determine whether or not to display a list of recommended items on a display of a first device based on a specific display mode and select an item to be used in an interaction based on a received user input that is associated with the displayed list of recommended items.

[65] The display mode may include at least one of a horizontal view mode and a vertical view mode.

[66] The transceiver may be further configured to receive environmental information from the second device via near field communication (NFC) and transmit the generated information that is associated with the interaction to the second device via NFC.

[67] According to another aspect of one or more exemplary embodiments, a non-volatile computer-readable recording medium having a recorded program for implementing the method is provided.

OPTIMUM MODE FOR CARRYING OUT THE INVENTION

[68] The idea of the present invention will now be described in more detail with reference to the accompanying drawings, in which exemplary embodiments are shown. However, the idea of the present invention can be implemented in many different forms and should not be construed as limited by the exemplary embodiments set forth herein; on the contrary, these exemplary embodiments of the implementation are provided in such a way that this disclosure is exhaustive and comprehensive and fully clarifies the idea of the present invention for specialists in this field of technology. In the following description, well-known functions or constructions are not described in detail, so as not to complicate the understanding of the present disclosure with optional details. In addition, throughout the detailed description, like references with numbers in the drawings indicate like elements.

[69] It should also be understood that in the entire detailed description, when an element is referred to as “connected” to another element, it can be directly connected to another element or electrically connected to another element, while intermediate elements can also be present. In addition, when the part “includes” or “contains” an element, if there is no specific description other than that indicated, the part may further include other elements, without excluding other elements.

[70] In addition, it should be understood that in the entire detailed description, when element A and element B perform short-range communication, this means that element A is located within the communication range of element B and / or element B is located within the communication range element A.

[71] In addition, the card, which is described in the entire detailed description, means a card that is applicable in connection with transactional payments for goods and services, and examples of the card may include a credit card, a miles accumulation card, and a point accumulation card. However, exemplary embodiments are not limited to this.

[72] Hereinafter, the idea of the present invention is described in detail by explaining exemplary embodiments with reference to the accompanying drawings. Expressions such as “at least one of” preceding the list of elements modify the entire list of elements and do not modify individual elements of the list.

[73] FIG. 1 is a schematic block diagram of a settlement system for performing settlements for a transaction that encloses goods by using a card that is selected depending on the settlement environment, according to an exemplary embodiment.

[74] Referring to FIG. 1, the settlement system includes a device 1000, a trading (POS) terminal 2000, and a settlement server 3000.

[75] The device 1000 is used to select a suitable card based on the calculation environment, and provides card information that is associated with the selected card to the POS terminal 2000. The POS terminal 2000 provides the received calculation information to the settlement server 3000 and can instruct the settlement server 3000 to perform calculations by using the device 1000.

[76] The device 1000 may store card information that is associated with a user card, and card benefits information that is associated with user card benefits. In addition, the device 1000 may maintain a history of calculations on a user’s card with respect to the time, place and destination of the calculations. The device 1000 may provide a recommendation that is associated with the card based on the settlement environment of the device 1000 based on the stored card information and the history of the card settlements. In addition, the device 1000 may determine whether to select a card to be used in the calculations automatically, or to select a card to be used in the calculations based on the received user input, based on the display mode.

[77] The device 1000 may be any one or more of a smartphone, mobile phone, personal digital device (PDA), laptop computer, multimedia player, device based on the global positioning system (GPS) and / or any other mobile computing device or non-mobile computing devices. However, the construction of 1000 is not limited to this.

[78] In another exemplary embodiment, the block diagram of FIG. 1 may be understood as representing a system for performing interaction between a first user and a second user. The device 1000 may be understood as associated with the first user, and the device 2000 may be understood as associated with the second user. Although the above exemplary embodiment calls the interaction “calculations”, other interactions may be performed.

[79] For example, a tourist may prepare to fly on an airplane and may need to check-in in order to receive a boarding pass and / or check-in baggage. In this scenario, the tourist can be understood as the first user, and the airline can be understood as the second user. The second device 2000, for example, may be a self-service terminal at an airport or a computer that is linked by reference to an airline website on the Internet. The tourist can have a mobile phone that acts as the first device 1000, and the mobile phone can display images that correspond to elements such as, for example, passport, driver’s license and personal credit card, which can be used for check-in and / or baggage check-in.

[80] As another example, a user of social media can prepare to upload information related to recent events. In this scenario, the user of social media can be understood as the first user, and the second user can be a social media site. The second device may be, for example, any terminal that can be used to access the social media site. The social media user may have a mobile phone that acts as the first device 1000, and the mobile phone may display images that correspond to elements such as, for example, photographs, text messages and links in the form of a universal resource indicator (URL), which can be selected for the purpose of uploading information to the social media site.

[81] FIG. 2 is a flowchart that illustrates a method by which a device 1000 is used to select a card for calculations based on a calculation environment, and by which a device 1000 is used to provide card information that is associated with a selected card according to an exemplary embodiment.

[82] In step S200, the device 1000 stores card information and benefit information on the card. The device 1000 may store card information that is associated with a user card based on input received from the user. Card information may include, for example, information that is associated with any one or more of a card type, card number, and card expiration date. In addition, the device 1000 may receive card information from the settlement server 3000 and may store received card information. The settlement server 3000 may be a server that is managed by a credit card company, but the present exemplary embodiment is not limited to this. In this case, the device 1000 may provide user profile information stored in the device 1000 to the settlement server 3000 and may receive card information corresponding to the provided user profile information from the settlement server 3000. In addition, if the user has a new issued card, the device 1000 may receive card information that is associated with a new issued card.

[83] Additionally, the device 1000 may store card benefits information for each card stored in the device 1000 based on the received user input. The device 1000 may provide a user interface for simplifying the entry of benefit information on the card, and the user can enter benefit information on the card for each card stored in the device 1000 through the user interface. The device 1000 may receive benefits information on a card from the settlement server 3000 and may store received benefits information on a card. Benefits information on the card can be saved after matching with each card. Benefit information on a card may include, for example, discount information, point accumulation information, and coupon information. Additionally, privilege information on the card may include information that is associated with various benefits from participating stores that use the card.

[84] In step S205, the device 1000 stores a history of using the card that is associated with the user. The history of the use of the card may include, for example, any one or more card numbers used in the calculations, settlement time, settlement date, name of the participating store, location of settlements, name of goods and information that is associated with the benefit provided during settlements for the map. When the user performs the calculations by using the card using the device 1000, the device 1000 can save the history of the use of the card used in the calculations. However, the present exemplary embodiment is not limited to this. Information that is related to the history of using the card, which is received by the device 1000, can be stored and accumulated on the settlement server 3000, and the device 1000 can receive information that is related to the history of using the card, which is stored on the settlement server 3000, from the settlement server 3000 .

[85] In step S210, the device 1000 obtains information that is related to the calculation environment. When the user attempts to make payments on the card using the device 1000, the device 1000 can receive information that is related to the environment of the calculations. The device 1000 may receive information that is related to the calculation environment from at least one of the sensors in the device 1000, the POS terminal 2000, and the settlement server 3000. Information that is related to the settlement environment may include, for example, any one or more of the settlement times, location of settlements, the name of the participating store, and information related to the goods.

[86] In detail, the device 1000 can obtain information that is associated with the location of the device 1000 and can identify the participating store that should be used to perform calculations based on the obtained location information. For example, device 1000 may determine a GPS value for the location of device 1000 by using a GPS sensor (not shown). Additionally, the device 1000 can determine the identification value of an access point (AP) that connects to the device 1000. In addition, the device 1000 can identify the participating store in which the device 1000 is located based on at least one of the GPS values and identification value of AP. In this case, information that is associated with the participating store corresponding to the GPS value and the AP identification value may be stored in the device 1000 or on a separate server (not shown) in advance.

[87] The device 1000 may determine information that is related to goods that may be involved in the calculations. The device 1000 may determine information that is associated with the goods through a marker attached to the goods. However, the present exemplary embodiment is not limited to this. The device 1000 may also determine information related to the goods from the POS terminal 2000. The device 1000 may receive at least one of the current date, current time, expiration date of the goods, the identification value of the goods, the value of the goods, and the identification value a member store that corresponds to the POS terminal 2000. However, the present exemplary embodiment is not limited to this.

[88] The device 1000 may determine any one or more of a point accumulation rate for each card, a point accumulation limit for each card, a discount percentage for each card, and a discount limit for each card based on information that is associated with the participating store and with the goods . Information that is related to the rate of accumulation of points, the limit of accumulation of points, the percentage of discounts and the limit of discounts, according to the participating store and goods, can be stored in device 1000 or on a separate server (not shown) in advance.

[89] In step S220, the device 1000 selects a card to be used in the calculations based on the calculation environment.

[90] The device 1000 may determine a card to be used in the calculations according to the received settlement environment by using any one or more of the card information, privilege information on the card, and the history of the calculations.

[91] In detail, the device 1000 can retrieve cards used more than a predetermined number of times in the resulting calculation environment based on the history of the card settlements. For example, if card A, card B, card C, and card D are applicable in a participating store Z, and the participating store in the resulting settlement environment is Z, device 1000 can retrieve card A, card B, card C and card D from map information. If card C and card A are used more than a predetermined number of times in the participating store Z, and the participating store in the resulting settlement environment is Z, device 1000 can extract card C and card A from the card information.

[92] In addition, if card A, card B, card C and card D are used between 11:00 and 14:00, and the settlement time included in the received settlement environment is between 11:00 and 14:00, the device 1000 can extract card A, card B, card C, and card D from card information. For example, if the priorities of card A and card B from cards used between 11:00 and 14:00 are relatively high, and the participating store in the resulting settlement environment is Z, device 1000 can extract card A and card B from the information cards. In this case, card priorities may be determined based on a predetermined criterion, or may be determined based on the received user input. In addition, the benefit for each card can be reflected in order to determine the priorities of the cards. However, the present exemplary embodiment is not limited to this.

[93] The device 1000 may also retrieve a card based on one or more of a plurality of elements included in the calculation history and calculation environment. In this case, the device 1000 may apply a predetermined weighting coefficient to each of the plurality of elements included in the calculation history and the calculation environment, and may determine a map in order to extract calculation results in the resulting calculation environment based on the weighting factors of the plurality of elements.

[94] In step S225, the device 1000 recommends a card to be used in the calculations based on the benefits information on the card. The device 1000 may compare the respective benefits of the extracted cards with each other based on the benefits information on the card and may provide a recommendation for each of a predetermined number or more cards. For example, device 1000 may retrieve all cards and compare their respective benefits to each other in order to select the card with the best benefits relative to a particular transaction or settlement. Additionally, the device 1000 retrieves the card and compares its benefits with the benefits of other cards. Additionally, the device 1000 may determine a card for recommendation based on the types of benefits on the card that the user prefers and / or the amount of the benefit in monetary terms. The device 1000 may display information that is associated with a benefit that is provided for each card on the screen and may allow the user to select a predefined card based on the displayed benefit information.

[95] In this case, the device 1000 may receive privilege information on the card from the settlement server 3000. The device 1000 may transmit the card information stored in the device 1000 to the settlement server 3000 to receive privilege information on the card from the settlement server 3000. However, the present exemplary embodiment is not limited to this.

[96] The device 1000 may receive benefits information on a card from a terminal (not shown) of a member store. In this case, the member store’s terminal can transfer the types of cards that provide the discount in the member store and information related to the benefits to the device 1000 in the member store. The member store terminal may provide benefit information to the device 1000 through at least one of the short message service (SMS) and the multimedia message service (MMS). However, the present exemplary embodiment is not limited to this. Additionally, the member store terminal may provide benefit information to the device 1000 via a high-quality wireless (Wi-Fi) network.

[97] The following describes privilege information for each recommended card, which is displayed on the screen of the device 1000, with reference to FIG. 5.

[98] The device 1000 may automatically select a card to be used in the calculations based on the display mode, or it can select a card to be used in the calculations based on the received user input. The priority given to each card based on the elements that are included in the history of calculations is described in more detail below with reference to FIG. 3.

[99] The device 1000 may display a list of recommended cards to be used in connection with calculations on the unlock screen of the device 1000. For example, a recommended card image may be displayed on the unlock button displayed on the unlock screen of the device 1000. However, the present exemplary embodiment not limited to this.

[100] In this case, if the user selects a card image that is displayed on the unlock screen of the device 1000, a user interface may be displayed that indicates entering a personal identification number (PIN) for the selected card. However, the present exemplary embodiment is not limited to this. If the user touches the map image that is displayed on the unlock screen of the device 1000, the device 1000 can recognize the user's fingerprints based on touch input received from the user, and can unlock the device 1000 based on the recognized fingerprints to perform calculations.

[101] In addition, if the user selects a card image that is displayed on the unlock screen of the device 1000, the device 1000 can also authenticate the user based on the image and voice of the user. For example, the device 1000 may photograph the user's face and may determine whether or not the user photographed is the user of the selected card, which is displayed on the unlock screen, based on the photograph. In addition, for example, the device can recognize the iris of the user's eyes in order to authenticate the user. In addition, the device 1000 can record a user's voice in order to authenticate the user based on the recorded voice.

[102] If the user selects a predefined card from the list of recommended cards, the calculation window for the selected card may be displayed on the screen of the device 1000. The calculation window that is displayed on the screen of the device 1000 may include, for example, any one or more of the card information , coupon information, settlement amount and PIN entry field. In addition, the user can enter the PIN code of the selected card in the PIN code input field, so that settlements through the selected card can be authenticated.

[103] If calculations through the selected card can be safely performed, part of the calculations window or the entire calculations window can be displayed with a predefined color. The device 1000 can determine whether or not the calculation information that is associated with the selected card can be safely transmitted to the POS terminal 2000 and / or to the settlement server 3000, and can display the calculation window with a color that is predefined by the user when a determination is made in regarding the fact that settlement information can be safely transmitted. The device 1000 may receive authentication information from the POS terminal 2000 and the settlement server 3000 to determine whether or not the settlement information that is associated with the selected card can be safely transmitted to the POS terminal 2000 and to the settlement server 3000. However, the present exemplary embodiment is not limited to this.

[104] In step S230, the device 1000 provides card information that is associated with the selected card. In this case, the device 1000 may provide card information to the POS terminal 2000 via a local area network (LAN). The device 1000 may provide information that is associated with any one or more of the card number, card expiration date, and / or card PIN code to the POS terminal 2000. However, the present exemplary embodiment is not limited to this. In addition, the device 1000 can determine whether or not the coupon that corresponds to the selected card is stored in the device 1000, and can provide card information that is associated with the selected card and the coupon information stored in the device 1000 to the POS terminal 2000. In this case, the POS terminal 2000 can make settlements in the amount reflecting the coupon information through the settlement server 3000 by using the card information and the coupon information. However, the present exemplary embodiment is not limited to this.

[105] The flowchart of the method of FIG. 2 may also be applicable to other exemplary embodiments. For example, the flowchart of the method of FIG. 2 may be applicable to the above scenario of tourist check-in and / or baggage check-in for the flight. In step S200, the tourist’s mobile phone stores information associated with each of the passport, driver’s license and credit card, and in step S205, the tourist’s mobile phone stores usage history information regarding each of these elements. At step S210, the tourist uses a mobile phone in order to receive information related to check-in and baggage check-in. In step S220, the mobile phone selects the item that should be used to perform flight check-in and / or baggage check-in, and in step S225, the mobile phone displays a recommendation on the screen to the tourist regarding the item to be used. In step S230, the mobile phone transmits relevant information regarding the selected item to the device 2000, which is used by the airline to complete the check-in and / or baggage registration processes, for example, to a self-service terminal or a link to the airline’s website.

[106] Similarly, the flowchart of the method of FIG. 2 can be applied to the above scenario of a user unloading social communication tools of information that is associated with recent events. In step S200, the mobile phone of the social media user stores information associated with each of the photographs, text messages and URLs, and in step S205, the mobile phone of the social media user stores the usage history information regarding each of these elements. At step S210, the user of the social media uses a mobile phone to receive information that is associated with the upload, such as, for example, the bandwidth of an available wireless connection through which the upload can take place. In step S220, the mobile phone selects the item to be used in connection with the upload, and in step S225, the mobile phone displays a recommendation on the screen for the social media user regarding the item to be used. In step S230, the mobile phone transmits relevant information regarding the selected item to the device 2000, which is used to perform the upload, for example, to a computer terminal or Wi-Fi connection in a public access point.

[107] FIG. 3 is a flowchart that illustrates a method by which the device 1000 displays a list of recommended cards and selects a card to be used in the calculations based on the received user input, according to an exemplary embodiment.

[108] In step S300, the device 1000 checks the display mode. The display mode may include at least one of a horizontal view mode and a vertical view mode. However, the present exemplary embodiment is not limited to this.

[109] In step S310, the device 1000 determines whether the display mode is a horizontal view mode or a vertical view mode. The device 1000 may determine whether the display mode is a horizontal view mode or a vertical view mode by using the gravity sensor in the device 1000.

[110] If it is determined in step S310 that the display mode of the device 1000 is a horizontal viewing mode, then in step S320, the device 1000 displays a list of recommended cards. In step S320, the device 1000 may recommend a card to be used in the calculations in the resulting settlement environment by using any one or more of the card information, privilege information on the card, and the history of the calculations. For example, if the calculation of transportation costs is between 11:00 and 14:00, device 1000 may recommend card A and card D and may display a list that includes recommended cards A and D on the screen of device 1000.

[111] In step S330, the device 1000 selects a card to be used in the calculations based on the received user input. In step S330, the device 1000 may select a card to be used in the calculations based on the received user input that is connected and / or sensitive to the list of recommended cards.

[112] Otherwise, if it is determined in step S310 that the display mode of the device 1000 is a vertical viewing mode, then in step S330, the device 1000 can automatically select the card to be used in the calculations without receiving input from the user.

[113] FIG. 4 is a table that shows the priority for each card, which is set by the device 1000 based on the elements that are included in the history of the calculations. The priority that is set in the table of FIG. 4 may be used when the device 1000 retrieves a card based on the calculation environment from the card information. However, the present exemplary embodiment is not limited to this.

[114] As illustrated in FIG. 4, the table may include a time field 40, a location field 42, a cost field 44, a point limit field 46, and a calculation destination field 48. The calculation time and the priority value of each card relative to the calculation time can be written in the time field 40. For example, if the calculation time is between 11:00 and 14:00, priority values of 1, 2, 3, and 4, which correspond to cards A, B, C, and D, respectively, can be written in the time field 40.

[115] The values for the location of the device 1000 are recorded in the location field 42. The name of the participating store and the priority value of each card corresponding to the name of the participating store may be stored in the location field 42. For example, if the name of the member store is “member store,” priority values of 2, 4, 1, and 3, which correspond to cards A, B, C, and D, respectively, may be written in location field 42.

[116] The settlement amount and the priority value of each card for the settlement amount may be recorded in the value field 44. For example, if the settlement amount corresponds to “30,000 won or less,” the priority values 2, 1, 3, and 4, which correspond to cards A, B, C, and D, respectively, can be written in the value field 44.

[117] The total limit of points and the priority value of each card for the total limit of points can be recorded in field 46 of the limit of points. For example, if the total point limit is 30,000 won per month, priority values 3, 2, 1, and 4, which correspond to cards A, B, C, and D, respectively, can be written in value field 44.

[118] The purpose of each card and the priority value of each card for the assignment may be recorded in the calculation destination field 48. For example, if the purpose of the calculations is associated with transportation costs, the priority values of 2, 3, 4 and 1, which correspond to cards A, B, C and D, respectively, can be written in the field 48 of the calculation destination.

[119] Weighting values of 10, 10, 20, 40, and 60 may be recorded in the time field 40, the location field 42, the value field 44, the point limit field 46, and the calculation destination field 48, respectively. For example, if payments of 30,000 won or less are made between 11:00 and 14:00, priority values for cards A, B, C, and D can be determined based on a weighting factor of 10 for time and a weighting factor of 20 for sum .

[120] FIG. 5 is a table that shows benefit information for each card recommended by the device 1000.

[121] Turning to the table of FIG. 5, privilege information for each card recommended by device 1000 may be displayed. For example, when device 1000 performs settlements for goods Y in a participating store Z, device 1000 may recommend card A, card B and card C based on the settlement environment and may display a list of recommended cards on the screen of the device 1000. In addition, the device 1000 can display information that is related to the benefit that is provided by each card in the calculations that comprise goods Y in a member store Z. Information that is related to a discount may include, for example, at least one of discount information, point accumulation information, and coupon information.

[122] FIG. 6 is a flowchart that illustrates a method by which a device 1000 draws a card based on a priority with respect to a calculation environment, according to an exemplary embodiment. In FIG. 6, device 1000 retrieves a card based on the table of FIG. 4. However, the present exemplary embodiment is not limited to this.

[123] In step S600, the device 1000 determines whether or not the device 1000 performs calculations in the member store A. If in step S600, a determination is made that the device 1000 performs calculations in the member store A, then in step S602 device 1000 retrieves card C from card information. Otherwise, if at step S600, a determination is made that the device 1000 is not performing calculations at the participating store A, then at step S604, the device 1000 determines whether or not the calculations should be made during the lunch break.

[124] If, in step S604, a determination is made that calculations should be made at lunchtime, then in step S606, the device 1000 removes card A. Otherwise, if in step S604, a determination is made that the calculations should not be performed during the lunch break, then in step S608, the device 1000 determines whether or not the settlement amount is 30,000 won or less.

[125] If, in step S608, a determination is made that the calculation amount is 30,000 won or less, then in step S610, the device 1000 removes the card B. Otherwise, if in step S608, a determination is made as to that the calculation amount is not 30,000 won or less, then in step S612, the device 1000 removes the card D.

[126] FIG. 7 is a diagram that illustrates an example in which the device 1000 displays a list of recommended maps in a horizontal view mode.

[127] As illustrated in FIG. 7, when the display mode of the device 1000 is a horizontal view mode, a list of recommended cards can be displayed on the screen of the device 1000. The device 1000 can determine the cards to be included in the list according to any one or more of various criteria based on a combination of at least one of time of settlements, location of settlements, purpose of settlements, rate of accumulation of points according to calculations, limit of accumulation of points, percentage of discount according to calculations and limit of discount. In this case, the device 1000 may determine the cards to be included in the recommended card list by using values that are written to either or both of the tables of FIG. 4 and 5. In addition, the device 1000 may display a list of specific cards on the screen of the device 1000.

[128] For example, if the settlement time is 13:00, the settlement purpose is transportation costs and the settlement amount is 23,400 won, if the display mode of the device 1000 is a horizontal view mode, the device 1000 may display a list of recommended cards in map order D, cards A and cards E, as shown in FIG. 7. Additionally, the device 1000 may select card A based on the received user input for card A, which is included in the recommended card list, and may provide card information that is associated with the selected card, A, to the POS terminal 2000.

[129] If the display mode of the device 1000 is a vertical view mode, the device 1000 can automatically select card D without displaying a list of recommended cards and can transmit the card information that is associated with the selected card, D, to the POS terminal 2000.

[130] FIG. 8 is a diagram that illustrates an example in which map images are displayed on the unlock screen of the device 1000.

[131] Referring to FIG. 8, unlock buttons may be displayed on the unlock screen of the device 1000, and predefined card images may be displayed in such a way that they overlap with the displays of some unlock buttons, respectively. In this case, the card images that are displayed on the unlock buttons may be card images that can be used for calculations using the device 1000. Card images can be placed according to a predetermined basis based on information that is associated with any one or more of the types cards, rates of accumulation of card points and percent discount cards.

[132] FIG. 9 shows diagrams that illustrate corresponding examples of a calculation window that is displayed on the screen of the device 1000.

[133] When a predefined card is selected from the list of recommended cards that is displayed on the screen of the device 1000, a calculation window may be displayed on the screen of the device 1000, as shown in drawing (a) on the left in FIG. 9. The name of the card 90, the sum of 92 payments, information 94 cards and information 96 benefits are included in the calculation window of the drawing (a) on the left in FIG. 9. The amount of 92 settlements may include the payment amount for the goods and the discount that applies to the purchase of goods. Benefit information 96 may include, for example, information that is related to coupons.

[134] When card calculations are selected in the calculations window of drawing (a) in FIG. 9, a calculation window that instructs the user to enter the PIN code of the selected card may be displayed as shown in drawing (b) on the right in FIG. 9. The user can enter the PIN code through the drawing calculation window (b) of FIG. 9, so that settlements through the selected card can be authenticated.

[135] The device 1000 can determine whether or not the settlement information that is associated with the selected card can be safely transmitted to the POS terminal 2000 and to the settlement server 3000, and can display part 98 of the calculation window of drawing (b) of FIG. 9 with a color that is predetermined by the user when a determination is made as to whether settlement information can be safely transmitted. In this case, part 98 of the calculation window of drawing (b) of FIG. 9 may be displayed in a combination of multiple colors. However, the present exemplary embodiment is not limited to this. Part 98 of the calculation window of drawing (b) of FIG. 9 may be displayed in such a way that it includes a predetermined pattern.

[136] FIG. 10 is a diagram that illustrates an example in which map information is displayed on an unlock screen of a device 1000.

[137] Referring to FIG. 10, the name of the card, the amount of settlements, card information and benefits information that are associated with the recommended card may be displayed on the unlock screen of the device 1000. In this case, the user interface (UI) that can be used to unlock the screen may not be displayed.

[138] When the device 1000 approaches the POS terminal 2000 within the range in the locked state of the screen of the device 1000, the device 1000 can display the card information that is associated with the recommended card on the unlock screen of the device 1000. When the user selects the recommended card that is displayed on the unlock screen of the device 1000, the device 1000 can immediately carry out the calculation process by using the recommended card.

[139] FIG. 11 shows diagrams that illustrate corresponding examples in which map information is displayed in detail on the screen of the device 1000 based on its display mode.

[140] With regard to drawing (a) on the left in FIG. 11, when the display mode of the device 1000 is a vertical view mode, a list of 10 cards that can be used in connection with the device 1000, information 12, which is related to the financial condition of the user, and information 14, which is related to goods that may be involved in calculations that are executed by using the device 1000 can be displayed on the screen of the device 1000. Some cards stored in the device 1000 can be placed in a list of 10 cards that can be used in connection with the devices om 1000, and information 12, which is related to the financial condition of the user, can be displayed in detail using a graph or other graphical display type. Information 14 that is related to goods that may be involved in calculations that are performed by using the device 1000 may include detailed information that is related to goods that are recommended by another user.

[141] With regard to drawing (b) on the right in FIG. 11, when the display mode of the device 1000 is a horizontal view, information 16 that is related to the coupons and financial condition of the user and a list of 18 cards that can be used in connection with the device 1000 can be displayed on the screen of the device 1000. A list of 18 cards, which can be used in connection with the device 1000 can be divided, for example, into a list of credit cards, a list of identification cards, a list of accumulation points cards and a list of tickets, and the lists obtained by splitting can appear on the screen of the device 1000.

[142] FIG. 12 is a block diagram of an apparatus 1000 according to an exemplary embodiment.

[143] Referring to FIG. 12, the device 1000 includes a card information data storage unit 1100 (also referred to herein as a card information storage), a card usage history storage unit 1105 (also referred to herein as a card usage history storage), an information obtaining unit 1200 settlement environments (also referred to herein as a node for acquiring settlement environment information), card selection unit 1300 (also referred to herein as a selection node cards), card information providing unit 1400 (also referred to herein as card information providing unit), memory 1500, transceiver 1600, and controller 1700. Each of card information storage unit 1100, card usage history storage unit 1105 , a calculation information environment obtaining unit 1200, a card selection unit 1300, and a card information providing unit 1400 may be implemented, for example, as a hardware component of the device 1000 or as program module, which is stored in the device 1000.

[144] The card information data storage unit 1100 stores card information and privilege information on the card. The card information data storage unit 1100 can store information that is associated with cards that the user has based on the received user input. Card information may include information that is associated with any one or more of the types of cards, card numbers, and card expiration dates. Further, the card information data storage unit 1100 may receive card information from the settlement server 3000 and may store received card information. The settlement server 3000 may be a server that is managed by a credit card company, but the present exemplary embodiment is not limited to this. In this case, the card information data storage unit 1100 can provide user profile information that is stored in the device 1000 to the settlement server 3000 and can receive map information corresponding to the provided user profile information from the settlement server 3000. In addition, if the user has a new issued card, the device 1000 may receive card information that is associated with a new issued card.

[145] Additionally, the card information data storage unit 1100 can store card benefits information for each card stored in the device 1000 based on the received user input. The card information data storage unit 1100 can provide a user interface that facilitates user input of card benefits information, and the user can enter card benefits information for each card stored in the device 1000 through the user interface. The card information data storage unit 1100 can receive card benefits information from the settlement server 3000 and can store received card benefits information. Benefit information on the card can be stored after comparison with each card and may include, for example, any one or more of the discount information, points accumulation information and coupon information. In addition, information on benefits on a card may include information that is associated with various benefits from participating stores that use the card.

[146] The card usage history storage unit 1105 stores a user card usage history. The history of the use of the card may include, for example, any one or more card numbers used in the calculations, settlement time, settlement date, name of the participating store, location of settlements, name of goods and information that is associated with the benefit provided during settlements for the map. When a user pays with the card using the device 1000, the card usage history storage unit 1105 can store the card usage history used in the calculations. However, the present exemplary embodiment is not limited to this. Information that is related to the history of using the card, which is received by the device 1000, may be stored and accumulated on the settlement server 3000, and the card usage history storage unit 1105 may receive information that is related to the history of use of the card, which is stored on the settlement server 3000, from the server 3000 calculations.

[147] The block 1200 for obtaining information about the environment of the calculation receives information that is associated with the environment of the calculations. When the user tries to perform calculations on the card by using the device 1000, the unit 1200 for obtaining information about the environment of the calculations can receive information that is associated with the environment of the calculations. The calculation environment environment information obtaining unit 1200 may obtain information that is related to the environment of the implementation of the calculations from at least one of the sensors in the device 1000, the POS terminal 2000, and the settlement server 3000. Information that is related to the settlement environment may include any one or more of the settlement times, location of settlements, name of the participating store, and information related to the goods.

[148] In detail, the settlement environment information obtaining unit 1200 may obtain information that is related to the location of the device 1000 and may identify a participating store that is suitable for performing calculations based on the obtained location information. For example, the calculation environment environment information obtaining unit 1200 may determine a GPS value for the location of the device 1000 by using a GPS sensor (not shown). Additionally, the calculation environment environment information obtaining unit 1200 may determine an identification value AP that is connected to the device 1000. In addition, the calculation environment information obtaining unit 1200 may identify a member store in which the device 1000 is located based on at least one of the GPS values and the AP identification value. In this case, information that is associated with the participating store corresponding to the GPS value and the AP identification value may be stored in the device 1000 or on a separate server (not shown) in advance.

[149] The block 1200 for obtaining information about the environment of the calculation can determine information that is associated with goods that may be involved in potential calculations. Block 1200 for obtaining information about the environment of the calculation can determine the information that is associated with the goods through a marker that is attached to the goods. However, the present exemplary embodiment is not limited to this. The calculation information environment information obtaining unit 1200 may also determine information related to the goods from the POS terminal 2000.

[150] Block 1200 for obtaining information about the settlement environment can determine any one or more of the points accumulation rates for each card, the points accumulation limit for each card, the discount percentage for each card and the discount limit for each card based on information associated with the store -participant and goods. Information that is related to the rate of accumulation of points, the limit of accumulation of points, the percentage of discounts and the limit of discounts, according to the participating store and goods, can be stored in device 1000 or on a separate server (not shown) in advance.

[151] The card selection unit 1300 selects a card to be used in the calculations based on the settlement environment. The card selection unit 1300 may determine a card to be used in settlements in the obtained settlement environment by using any one or more of the card information, privilege information on the card, and the history of settlements.

[152] In detail, the card selection unit 1300 can retrieve a card that has been used more than a predetermined number of times in the resulting settlement environment based on the history of the card settlements. For example, if card A, card B, card C and card D are used in a participating store A, and the participating store in the resulting settlement environment is A, the card selection unit 1300 can retrieve card A, card B, card C and card D from map information. If card C and card A are used more than a predetermined number of times in store member A, and the store member in the resulting settlement environment is A, card selection unit 1300 can extract card C and card A from the card information.

[153] In addition, if card A, card B, card C and card D are used between 11:00 and 14:00, and the settlement time included in the received settlement environment is between 11:00 and 14:00, block The card selection 1300 can extract card A, card B, card C, and card D from card information. For example, if the priorities of card A and card B from the cards used between 11:00 and 14:00 are relatively high, and the participating store in the resulting settlement environment is A, the card selection unit 1300 can extract card A and card B from map information. In this case, card priorities may be determined based on a predetermined criterion, or may be determined based on the received user input. In addition, the benefit for each card can be reflected in order to determine the priorities of the cards. However, the present exemplary embodiment is not limited to this.

[154] The card selection unit 1300 may also retrieve a card based on one or more of a plurality of elements that are included in the calculation history and the calculation environment. In this case, the card selection unit 1300 may apply a predetermined weighting coefficient to each of the plurality of elements that are included in the calculation history and the calculation environment, and may determine the map in order to retrieve in the obtained calculation environment, based on the respective weighting factors many elements.

[155] The card selection unit 1300 may compare the respective benefits for the extracted cards with each other based on the benefits information on the card and may provide a recommendation that lists a predetermined number or more cards. The card selection unit 1300 may determine a card to be included in the recommendation based on at least one of the types of card benefits that the user prefers, or the amount of the discount in monetary terms. The card selection unit 1300 may display information that is associated with a benefit that is provided for each card on the screen and may allow the user to select a predefined card based on the displayed benefit information.

[156] In this case, the card selection unit 1300 may receive card benefits information from the settlement server 3000. The card selection unit 1300 may transmit the card information stored in the device 1000 to the settlement server 3000 in order to receive the card benefit information from the settlement server 3000. However, the present exemplary embodiment is not limited to this.

[157] The card selection unit 1300 may receive benefits information on a card from a terminal (not shown) of a member store. In this case, the member store’s terminal can transfer the types of cards that provide the discount in the member store and information related to the benefits to the device 1000 in the member store. A member store terminal may provide benefit information to device 1000 via at least one of SMS or MMS. However, the present exemplary embodiment is not limited to this. Additionally, the member store terminal may provide benefit information to the device 1000 via a WiFi network.

[158] The card selection unit 1300 may automatically select a card to be used in the calculations based on the display mode, or may select a card based on the received user input. For example, when the display mode of the device 1000 is a vertical view mode, the card selection unit 1300 may automatically select a card to be used in the calculations without receiving user input. When the display mode of the device 1000 is a horizontal view mode, the card selection unit 1300 can display a list of recommended cards to be used in calculations on the screen of the device 1000 and can select a card based on the received user input. However, the present exemplary embodiment is not limited to this. In particular, the card selection unit 1300 may select a card to be used in calculations based on the received user input when the display mode of the device 1000 is a vertical viewing mode, and may select a card without receiving user input when the display mode of the device 1000 is horizontal view mode.

[159] The device 1000 may display a recommended list of cards to be used in the calculations on the unlock screen of the device 1000. For example, a recommended card image may be displayed on the unlock button displayed on the unlock screen of the device 1000. However, the present exemplary embodiment is not limited by this.

[160] In this case, if the user selects a card image that is displayed on the unlock screen of the device 1000, a user interface may be displayed that facilitates user input of a PIN code for the selected card. However, the present exemplary embodiment is not limited to this. If the user touches the image of the card displayed on the unlock screen of the device 1000, the device 1000 can recognize the user's fingerprints based on the user's touch input and can unlock the device 1000 based on the recognized fingerprints to perform calculations.

[161] If the user selects a card image that is displayed on the unlock screen of the device 1000, the device 1000 can also authenticate the user based on the image and voice of the user. For example, the device 1000 may photograph the user's face and may determine whether or not the user photographed by the user is a card that is displayed on the unlock screen of the device 1000 based on the photograph. In addition, for example, the device can recognize the iris of the user's eyes in order to authenticate the user. In addition, the device 1000 can record a user's voice in order to authenticate the user based on the recorded voice.

[162] If the user selects a predefined card from the list of recommended cards, the device 1000 may display a calculation window that corresponds to the selected map on the screen of the device 1000. The calculation window that appears on the screen of the device 1000 may include, for example, any one or more of card information, coupon information, settlement amount and PIN input field. In addition, the user can enter the PIN code of the selected card in the PIN code input field, so that settlements through the selected card can be authenticated.

[163] If calculations through the selected card can be safely performed, a part or the whole calculation window may be displayed with a predefined color. The device 1000 can determine whether or not the calculation information that is associated with the selected card can be safely transmitted to the POS terminal 2000 and to the settlement server 3000, and can display the calculation window with a color that is predefined by the user when a determination is made as to that can safely transmit information calculations. The device 1000 may receive authentication information from the POS terminal 2000 and the settlement server 3000 to determine whether or not the settlement information that is associated with the selected card can be safely transmitted to the POS terminal 2000 and to the settlement server 3000. However, the present exemplary embodiment is not limited to this.

[164] The card information providing unit 1400 provides card information that is associated with a selected card. In this case, the card information providing unit 1400 may provide the card information to the POS terminal 2000 via the LAN. The card information providing unit 1400 may provide information that is associated with any one or more of the card number, card expiration date, and card PIN code to the POS terminal 2000. However, the present exemplary embodiment is not limited to this.

[165] Additionally, the card information providing unit 1400 may determine whether or not the coupon corresponding to the selected card is stored in the device 1000, and may provide card information that is associated with the selected card and the coupon information stored in the device 1000 in the POS the 2000 terminal. In this case, the POS terminal 2000 can carry out calculations on the amount reflecting the coupon information through the settlement server 3000 by using the card information and the coupon information. However, the present exemplary embodiment is not limited to this.

[166] The storage device 1500 stores various pieces of information that the device 1000 can use to select a suitable card based on various calculation environments, and to provide card information that is associated with the selected card to the POS terminal 2000 The storage device 1500 may store information that is associated with respective card priorities that correspond to different calculation environments and priorities of various environments.

[167] The transceiver 1600 transmits and / or receives various pieces of information that the device 1000 can use to select a suitable card based on various calculation environments and the card information that is associated with the selected card to / from POS -terminal 2000 and server 3000 calculations.

[168] The controller 1700 controls the overall operation of the device 1000. The controller 1700 controls the card information data storage unit 1100, the card usage history storage unit 1105, the settlement environment information obtaining unit 1200, the card selection unit 1300, the card information providing unit 1400, the memory 1500 and a transceiver 1600 in such a way that the device 1000 can select a suitable card based on various calculation environments and can provide map information that is associated with the selected map, a POS-terminal 2000. Further, the controller 1700 can display the window for settlement card which is recommended by the device 1000 or selected by the user, and can display the map information variably based on the display apparatus 1000 mode.

[169] The controller 1700 may map the location information of the device 1000 to a map and may recommend a predefined map according to the location of the device. In addition, the controller 1700 can retrieve the store name from the user schedule information and can match the predefined card with the retrieved store name.

[170] FIG. 13 is a block diagram of an apparatus 1000 according to an exemplary embodiment.

[171] The mobile communication unit 1001 performs call setup and data exchange with a base station via a cellular network, for example, through a third generation (3G) or fourth generation (4G) cellular network. An auxiliary communication unit 1002 performs local communication, for example, Bluetooth technology or near field communication (NFC). Broadcast unit 1003 receives a digital multimedia broadcast (DMB) signal.

[172] The camera unit 1004 includes a lens and optical devices that can be used for photo and video shooting.

[173] The sensor unit 1005 may include any one or more of a gravity sensor that senses the movement of the device 1000, a light sensor that senses the brightness of the light, a proximity sensor that senses the degree of proximity of the person, and a motion sensor that senses the movement of the person.

[174] A GPS receiving unit 1006 receives a GPS signal from a satellite. Various services can be provided to users through the use of a received GPS signal.

[175] The I / O block 1010 provides an interface with an external device or user. The I / O unit 1010 includes a button 1011, a microphone 1012, a speaker 1013, a vibrating electric motor 1014, a connector 1015, and a keypad 1016.

[176] The touch screen 1018 receives the touch input of the user. The touch input may include, for example, a touch input that is created by performing a drag gesture or a touch input that is created by executing a quick touch gesture. The touch screen controller 1017 transmits the touch input, which is received through the touch screen 1018, to the controller 1050. A power source 1019 is connected to a battery or an external power source to supply power to the device 1000.

[177] The controller 1050 selects a card based on the calculation environment by executing one or more programs that are stored in the memory 1060, and provides card information that is associated with the selected card to the POS terminal 2000.

[178] Programs stored in memory 1060 may be classified into a plurality of modules based on their functions. In particular, programs stored in the storage device 1060 can be classified into a mobile communication module 1061, a WiFi module 1062, a Bluetooth module 1063, a DMB module 1064, a camera module 1065, a sensor module 1066, a GPS module 1067, a playback module 1068 video, audio playback module 1069, power module 1070, touch screen module 1071, user interface (UI) module 1072, application module 1073 and / or any other module that corresponds to a suitable function. Specialists in the art can intuitively infer the function of each module from its name.

[179] Here, only the application module 1073 is described in detail. The application module 1073 stores the corresponding card information and the corresponding card usage history information that corresponds to each card.

[180] Additionally, the application module 1073 receives information that is related to the calculation environment. The application module 1073 uses the WiFi module 1062, the camera module 1065, the sensor module 1066, and the GPS module 1067 in order to obtain information that is related to the calculation environment. In addition, the application module 1073 can receive information that is related to the calculation environment from at least one of the POS terminal 2000 and the settlement server 3000.

[181] The application module 1073 may determine a card to be used in settlements in the obtained settlement environment by using the information of privileges on the map and the history of settlements.

[182] The application module 1073 may determine the priorities of the cards for the calculation environment based on any one or more of various criteria based on a combination of at least one of the calculation time, location of the calculation, purpose of calculation, rate of accumulation of points according to calculations of the accumulation limit of points , percent discounts as calculated and the discount limit. Additionally, application module 1073 can retrieve a card based on the respective priorities with respect to settlement environments and can recommend a card to be used in the calculations by comparing the respective benefits of the extracted cards with each other. However, the present exemplary embodiment is not limited to this.

[183] The application module 1073 may automatically select a card to be used in the calculations based on the display mode of the device 1000 or may select a card to be used in the calculations based on the received user input.

[184] The application module 1073 may display a calculation window that corresponds to a card that is recommended by the device 1000 or selected by the user, and may display the card information variably based on the display mode of the device 1000.

[185] The application module 1073 transmits the card information that is associated with the selected card to the POS terminal 2000. The application module 1073 can transmit the card information to the POS terminal 2000 by using at least one of the mobile communication module 1061, WiFi a 1062 module, a 1063 Bluetooth module, and an NFC module (not shown).

[186] The application module 1073 can map the location information of the device 1000 to a map and can recommend a predefined map according to the location of the device 1000. In addition, the application module 1073 can retrieve the store name from user schedule information and can map the predefined map to the retrieved store name.

[187] FIG. 14 is a flowchart that illustrates a method by which apparatus 1000 maps location information to map information according to an exemplary embodiment;

[188] In step S1400, the device 1000 uses the card with the device 1000. For example, the device 1000 can use at least one of a credit card, a point accumulation card, and a member card that are stored in the device 1000.

[189] The device 1000 may use the discount coupon stored in the device 1000. The device 1000 may receive the discount coupon through the short message service (SMS) or the multimedia messaging service (MMS) and may store the received discount coupon in the device 1000.

[190] In addition, the device 1000 may use a card stored in another device (not shown) of the user using the device 1000 or an external server (not shown).

[191] In step S1410, the device 1000 obtains the location information of the device 1000. The location information may include, for example, information regarding the GPS value of the device 1000 and the identification value of the AP connected to the device 1000. However, the concept of the invention is not limited to this.

[192] In step S1420, the device 1000 compares the obtained location information with a map used by it. The device 1000 may map the card used by it to at least one of the GPS values of the device 1000 and the identification value of the AP connected to the device 1000. In addition, the device 1000 may map the discount coupon used by it to at least one of the GPS values of the device 1000 and the identification value of the AP connected to the device 1000. In this case, a discount coupon can be included in text messages received from another device or an external server via the device 1000. However, the idea of the invention Ny is not limited to this. In addition, the device 1000 can correlate the phone number of another device or an external server that provides a discount coupon with at least one of the GPS values of the device 1000 and the identification value of the AP connected to the device 1000.

[193] FIG. 15 is a flowchart that illustrates a method by which device 1000 recommends a map based on location information according to an exemplary embodiment.

[194] In step S1500, the device 1000 obtains the location information of the device 1000. For example, the device 1000 can obtain an indication of the location of the GPS value of the device 1000 by using the GPS sensor in the device 1000. In addition, the device 1000 can check the location of the device 1000 by using the identification AP values connected to device 1000.

[195] In step S1510, the device 1000 retrieves a card corresponding to the location of the device 1000. For example, the device 1000 can retrieve a card corresponding to a GPS value indicating the location of the device 1000, or the identification value of the AP connected to the device 1000. The device 1000 can retrieve, at least one of a credit card, a membership card, and a point accumulation card that correspond to the location of the device 1000. In addition, the device 1000 may retrieve a discount coupon or text message including himself a discount coupon, which corresponds to the location of the apparatus 1000.

[196] When a plurality of cards are extracted, the device 1000 may recommend a card that the user frequently uses from among the extracted cards based on the history of use of the user card. The device 1000 may recommend a card providing a high discount rate or a high rate of accumulation from among the extracted cards based on the history of use of the user card.

[197] In step S1520, the device 1000 displays the extracted card on the screen of the device 1000. When a plurality of cards are extracted, the device 1000 may place the extracted cards based on the discount percentage or the accumulation rate. The device 1000 may display a discount coupon or a text message including a discount coupon as well as an extracted card.

[198] FIG. 16 is a flowchart that illustrates a method by which device 1000 matches a store name extracted from user schedule information to a map according to an exemplary embodiment.

[199] In step S1600, the device 1000 obtains user schedule information. The device may receive user schedule information stored in the device 1000 through the calendar application installed in the device 1000. The user schedule information stored in the device 1000 through the calendar application installed in the device 1000 may be schedule data, which are mapped to a predetermined calendar date and stored in the device 1000. The device 1000 may receive user schedule information stored on the server from server.

[200] In S1610, the device 1000 extracts the store name from the user schedule information. For example, when the information “meeting with a friend in the XX store at 6:00 p.m. April 15” is included in the user schedule information, the device 1000 may retrieve the “store XX” from the user schedule information. In this case, the names of the various stores can be stored in the device 1000 or the server in advance, and the device 1000 can retrieve the "department store XX" from the user schedule information based on the stored names of the various stores.

[201] In step S1620, the device 1000 may determine a map associated with the retrieved store name. The device 1000 may determine a card associated with the retrieved store name from a credit card, membership card, and user score card. The card associated with the retrieved store name can be a card that provides benefits such as discounts, coupons and points when the card is used in a store with the retrieved store name.

[202] The device 1000 may determine a discount coupon associated with the retrieved store name from among the user's discount coupons. The discount coupon associated with the retrieved store name may be a discount coupon that can be used in a store having the retrieved store name.

[203] When a plurality of cards is determined, the device 1000 may recommend a card that the user frequently uses from among the specific cards based on the history of the use of the user card. The device 1000 may recommend a card that provides a high percentage of discount or rate of accumulation, from among certain cards based on the history of use of the user's card.

[204] In step S1630, the device 1000 matches the retrieved store name to a specific card. In addition, device 1000 may correlate the retrieved store name with a specific discount coupon. The device 1000 may adjust the location information associated with the store name and may store the corrected location information. In this case, the location information associated with the store name may include, for example, a GPS value indicating the store location, the identification value of the POS terminal (for example, the POS terminal 200 of FIG. 1) of the store, and the identification value of the AP installed in the store. However, the idea of the invention is not limited to this.

[205] FIG. 17 is a flowchart illustrating a method by which the device 1000 displays card information regarding a card associated with a predetermined store name, according to an exemplary embodiment.

[206] In step S1700, the device 1000 determines the name of the store in which the card is used. The device 1000 may obtain a GPS value indicating the current location of the device 1000, and may determine a store name corresponding to the obtained GPS value as the name of the store in which the map is used. In addition, the device 1000 may receive the identification value of the AP connected to the device 1000 from the AP and may determine the store name corresponding to the received identification value of the AP as the name of the store in which the card is used. In this case, the AP identification value may include, for example, the AP Service Set Identifier (SSID) and the medium access control (MAC) address of the AP. However, the idea of the invention is not limited to this. The device 1000 may receive a store name from a user and may determine an accepted store name as the name of a store in which the card is used.

[207] The device 1000 may receive a store name from a POS terminal (for example, the POS terminal 200 of FIG. 1) and may determine the received store name as the name of the store in which the card is used. In addition, the device 1000 can receive the identification value of the POS terminal from the POS terminal and can determine the store name corresponding to the identification value of the POS terminal as the name of the store in which the card is used.

[208] In step S1710, the device 1000 retrieves a card corresponding to the specific store name. For example, device 1000 may retrieve at least one of a credit card, membership card, and score card that matches a specific store name. The device 1000 may retrieve a discount coupon or a text message including a discount coupon that matches a specific store name.

[209] In step S1720, the device 1000 displays the extracted card on the screen of the device 1000. When a plurality of cards are extracted, the device 1000 can place the extracted cards based on the discount percentage or the accumulation rate. The device 1000 may display a discount coupon or a text message including a discount coupon as well as an extracted card.

[210] FIG. 18 is a diagram illustrating an example in which a map associated with the location of the device 1000 or the name of the store is displayed on the screen of the device 1000, according to an exemplary embodiment.

[211] For example, when the device 1000 is located in the "department store XX", the device 1000 may display a "credit card XX", "accumulate points card XX" and "discount store coupon XX" on the screen of the device 1000, based on the location information of the device 1000 or store name defined in device 1000.

[212] One or more exemplary embodiments may be implemented as a volatile or non-volatile machine-readable recording medium, such as a software module, to be executed on computers that include computer-readable instructions. A computer-readable recording medium may include any applicable medium that can be accessed through computers, volatile and non-volatile media, and removable and non-removable media. In addition, the computer-readable recording medium may include computer storage medium and communication medium. A computer storage medium includes all volatile and non-volatile media and removable and non-removable media that are designed to store information including computer-readable instructions, data structures, program modules or other data. A communication medium may include any one or more of machine-readable instructions, data structures, software modules, and other transmission mechanisms, and may include other information transmission media.

[213] However, the inventive concept of the present invention can be implemented in many different forms and should not be construed as limited to the exemplary embodiments set forth herein; on the contrary, these exemplary embodiments of the implementation are provided in such a way that the present disclosure is comprehensive and comprehensive and fully clarifies the inventive concept of the present invention for specialists in this field of technology. For example, configuration items that are singular may be performed in a distributed manner, and also configuration items that are distributed may be combined and then performed.

[214] Although the inventive concept of the present invention is specifically shown and described with reference to its exemplary embodiments, those skilled in the art should understand that various changes in form and content can be made without departing from the essence and scope of the inventive concept of the present invention defined by the attached claims.

Claims (52)

1. A method for determining, by means of a device, a card to be used in the calculations, the method comprising the steps of: get a history of using the card for the card, which is applicable using the device; receive information that is related to the environment of the device; determine by means of the device whether the card should be used in the calculations, based on the information received, which is related to the environment of the calculations, and the received history of using the card; and provide settlement information that is associated with a particular card to a trading (POS) terminal, moreover, obtaining information that is associated with the environment of the calculations includes obtaining information about the environment of the calculations from at least one of: a sensor in the device (1000), a trading terminal (2000) and a server (3000) of calculations, wherein the image of the card that is associated with a particular card is displayed on the device’s unlock screen (1000), and the card definition comprises the step of determining a card based on the received user input that is associated with the map image displayed on the device’s unlock screen (1000) , moreover, the method further comprises a step on which: authenticate the user with respect to a specific card to determine if the calculation is securely performed. 2. The method according to p. 1, in which obtaining information that is related to the environment of the calculations, contains a stage at which information is obtained that is related to the location of the device, and determining the map contains a stage at which determine the map that should be used in the calculations , based on the information that is associated with the location of the device. 3. The method according to p. 1, in which the definition of the card comprises the step of extracting the cards that are associated with the environment of the calculation, based on the history of use of the card, compare the respective benefits of the extracted cards with each other and use the result of the comparison in order to determine the recommendation relative to the card to be used in the calculations. 4. The method according to p. 3, in which the history of the use of the card contains at least one of the card number, settlement time, settlement date, settlement location and name of the goods. 5. The method according to claim 3, in which, when the calculations to be carried out using a specific card can be safely performed, at least part of the calculation window of a specific card is displayed with a predefined color. 6. The method according to claim 1, further comprising the step of receiving information that is associated with the goods from the POS terminal, while the received information that is associated with the goods contains at least one of the current date, current time , expiration dates of the goods, the identification value of the goods, the value of the goods and the identification value of the participating store, which corresponds to the POS terminal. 7. The method of claim 3, further comprising determining a display mode of the device, wherein determining the map comprises determining whether to display a list of recommended maps on the screen of the device based on a specific display mode, and select a map , which should be used in the calculations, based on the received user input, which is associated with the displayed list of recommended cards. 8. The method of claim 7, wherein the display mode comprises at least one of a horizontal view mode and a vertical view mode. 9. The method according to p. 7, in which the reception of information that is associated with goods from the POS terminal, comprises the step of receiving information that is associated with goods from the POS terminal through communication in the near field (NFC), and providing calculation information, which is associated with a specific card, contains a stage at which the calculation information is provided to the POS terminal via NFC. 10. A device for determining a card to be used in the calculations, the device comprising: a card usage history repository that is configured to save a card usage history for a card that is usable by the device; a node for obtaining information of the environment of the calculation, which is configured to receive information that is associated with the environment of the calculation of the device; a card selection node that is configured to select a card to be used in the calculations based on the information received that is related to the environment of the calculations and the stored history of using the card; and a card information providing unit that is configured to provide settlement information that is associated with the selected card to a POS terminal, moreover, obtaining information that is associated with the environment of the calculations includes obtaining information about the environment of the calculations from at least one of: a sensor in the device (1000), a trading terminal (2000) and a server (3000) of calculations, wherein the image of the card that is associated with a particular card is displayed on the device’s unlock screen (1000), and the card definition comprises the step of determining a card based on the received user input that is associated with the map image displayed on the device’s unlock screen (1000) , moreover, the device is additionally configured to: authenticating the user with respect to a particular card to determine whether the calculation is securely performed. 11. A method for using the first device in connection with an interaction between the first user and the second user, the first device including a graphical user interface for providing I / O characteristics with respect to the first user, the method comprising the steps of: access information that is associated with a plurality of elements that are associated with the first user, the information including information of the first element, which is at least related to the history of use of the first element, and information of the second element, which is at least related to the background of the use of the second element; receiving environmental information that is related to the environment in which the interaction is to be performed; using the first device in order to select from among a plurality of elements an element for use in connection with performing an interaction based on access information and obtained environmental information, and generating information that is related to performing an interaction based on a selection result; transmit to the second device, which is associated with the second user, the generated information that is associated with the implementation of the interaction; and display, through a graphical user interface and on the screen of the first device, at least a portion of the generated information that is associated with the implementation of the interaction, moreover, the generated information that is associated with the implementation of the interaction is displayed on the screen, which is the unlock screen of the first device. 12. The method according to claim 11, in which the information of the first element includes many characteristics of the information of the first element, the information of the second element includes many characteristics of the information of the second element, and the environment information includes many characteristics of the information of the environment; and using the device in order to select an element, comprises the step of assigning respective priority values to each of the plurality of elements for each of the plurality of environmental information characteristics and assigning respective weighting factors to each of the information characteristics of the first element, each of the information characteristics of the second element and environmental information characteristics. 13. The method according to claim 11, in which the information of the first element is additionally associated with at least one privilege that occurs for the first user in connection with the use of the first element, and the information of the second element is additionally associated with at least one privilege that occurs for the first user in connection with the use of the second element. 14. The method of claim 11, further comprising the step of instructing the first user to provide input through the graphical user interface of the first device with respect to the plurality of elements, wherein using the first device to select an element is further based on the received user input, which is received as a result of the indication. 15. The method according to p. 14, in which the instruction comprises the step of displaying, through the graphical user interface and on the screen of the first device, element-specific information that is associated with at least one of the plurality of elements. 16. The method according to p. 14, in which the instruction contains, through a graphical user interface and on the screen of the first device, a plurality of images, each of which appropriately corresponds to a corresponding one of the plurality of elements, and provide an indicator on the screen that associated with the recommendation, which is based on access information and environmental information received. 17. The method of claim 11, further comprising the step of using the first device to receive authentication information that is associated with the first user regarding the selected item, and using the received authentication information to determine whether it can be safely performed interaction. 18. The method according to p. 11, in which obtaining the environment information comprises the step of using the obtained information, which is associated with the location of the first device, and using the first device to select an item, comprising the step of using the first device to to select an item based on the acquired environmental information that is associated with the location of the first device. 19. The method according to claim 11, in which the environment information includes at least one of a current date, a current time, an expiration date that is associated with an interaction, an identification value that is associated with the interaction, identification information that associated with the second user, and identification information that is associated with the second device. 20. The method of claim 11, further comprising determining a display mode of the first device, and using the first device to select an item, comprising the step of determining whether to display the list of recommended items through the user interface on the screen of the first device based on a specific display mode, and select an item to be used in the interaction based on the received user input that is associated with the displayed screen someone recommended elements. 21. The method of claim 20, wherein the display mode comprises at least one of a horizontal view mode and a vertical view mode. 22. The method according to claim 11, wherein obtaining the environment information comprises receiving environmental information from the second device via near field communication (NFC), and transmitting the generated information that is associated with the interaction, comprising transmitting the generated information to the second device via NFC. 23. A first device for use in connection with performing an interaction between a first user and a second user, comprising: a graphical user interface for providing I / O characteristics with respect to the first user; a storage device that is configured to store information associated with the element information that is associated with each of the many elements that are associated with the first user, and the information includes information of the first element, which is at least related to the history of use of the first element, and information of the second element, which is at least related to the background of the use of the second element; a transceiver that is configured to receive environmental information that is related to the environment in which the interaction is to be performed; a processor that is configured to select from a plurality of elements an element for use in connection with performing an interaction based on stored information associated with the element and received environmental information and generate information that is related to performing the interaction based on the selection result, and a controller that is configured to display on the screen of the first device using a graphical user interface at least part of the generated information that is associated with the implementation of the interaction, the transceiver is further configured to transmit to the second device, which is associated with the second user, the generated information that is associated with the execution of the interaction, and the generated information that is associated with the implementation of the interaction is displayed on the screen, which is the unlock screen of the first device .

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