RU2648576C2 - Device and method for obtaining interaction information by means of using an image on display device - Google Patents

Abstract

FIELD: information technologies.

SUBSTANCE: invention relates to method and device for interaction between users. Method comprises, in response to the approach of the first device to the partner device, to be in the preset range of the partner device, displaying on the lock screen the first credit card image device corresponding to the credit card of the first user of the first device, and establishing a short-range communication with the partner device, receiving input by touching from the first user regarding the displayed image of the credit card, in response to which the extraction of fingerprint information from the received touch input, unlocking the first device based on the extracted fingerprint information, generation of payment information based on information regarding the credit card corresponding to the credit card image from the memory of the first device, and transmitting payout information to the partner device by short-range communication, the partner device being a device associated with the second user.

EFFECT: technical result consists in increasing the speed of interaction between users' devices.

14 cl, 15 dwg

Description

FIELD OF THE INVENTION

[1] Exemplary embodiments relate to a device and method for displaying an image that relates to potential interaction, such as, for example, a credit card image on a device display, such as, for example, a mobile phone lock screen, and outputting interaction information, such as for example, payment information that is generated by using the displayed image.

BACKGROUND OF THE INVENTION

[2] As the mobile communications industry is developing rapidly, mobile communication terminals are regarded as the main elements. Accordingly, the mobile communication terminals are equipped with various additional functions in addition to the usual functions, such as voice calling and data transfer, thereby becoming multi-functional terminals.

[3] Based on the aforementioned trend, technologies that relate to the use of a mobile communication terminal as a means of payment by storing a user's credit card information in a mobile communication terminal are widely offered. Additionally, as society evolves, payment methods in various business areas have changed from cash to various types of non-cash payment methods, such as credit cards. Additionally, the premium rate and discount rate may be applied differently based on the type of payment method used.

[4] When a user wants to make a payment by using a mobile communication terminal, it may be inconvenient to unlock the mobile communication terminal and directly control a predetermined application. Additionally, when determining a credit card for use in paying for goods, it may be inconvenient for the user to check the premium rate and discount rate of each credit card on an individual basis and enter authentication information to make payments in the payment terminal at the point of sale (POS).

DESCRIPTION OF THE INVENTION

DESCRIPTION OF THE PROBLEM

[5] Exemplary embodiments provide a device and method for efficiently providing payout information to a partner device by using a credit card image that is displayed on the device’s lock screen.

[6] Exemplary embodiments also provide a device and method for issuing payback information including the ability to recognize a user's fingerprint based on a touch input from a user on a credit card image that is displayed on a lock screen.

BRIEF DESCRIPTION OF THE DRAWINGS

[7] The above and other features and advantages of the present proposed concept will become more apparent through a detailed description of its exemplary embodiments, with reference to the accompanying drawings, in which:

[8] FIG. 1 is a block diagram that schematically illustrates a general concept of a system in which a device transmits payback information to a partner device, in accordance with an exemplary embodiment;

[9] FIG. 2 is a flowchart that illustrates a method by which a device transmits payout information to a partner device, in accordance with an exemplary embodiment;

[10] FIG. 3 is a flowchart that illustrates a method by which a device provides payout information that corresponds to a touched credit card image of an affiliate device, in accordance with an exemplary embodiment;

[11] FIG. 4 is a flowchart that illustrates a method by which a device recommends a credit card to be used for payment based on a payment medium, in accordance with an exemplary embodiment;

[12] FIG. 5 is a flowchart that illustrates a method by which a device composes and displays credit card images on a lock screen, in accordance with an exemplary embodiment;

[13] FIG. 6 is a flowchart that illustrates a method by which a device visibly displays credit card images on a lock screen, in accordance with an exemplary embodiment;

[14] FIG. 7 is a block diagram that schematically illustrates an example display of a recommended credit card when a device approaches a partner device, in accordance with an exemplary embodiment;

[15] FIG. 8 is a diagram that schematically illustrates a method for displaying a recommended credit card when a device approaches a partner device and provides payout information, in accordance with an exemplary embodiment;

[16] FIG. 9 illustrates exemplary images of credit cards displayed on a device lock screen, in accordance with an exemplary embodiment;

[17] FIG. 10 illustrates exemplary images of credit cards displayed on a device lock screen, in accordance with another exemplary embodiment;

[18] FIG. 11 illustrates exemplary images of credit cards displayed on a device lock screen, in accordance with another exemplary embodiment;

[19] FIG. 12 illustrates exemplary images of credit cards that are distinguishably displayed with highlighting, in accordance with an exemplary embodiment;

[20] FIG. 13 illustrates exemplary images of credit cards that are distinguishably displayed with highlighting, in accordance with another exemplary embodiment;

[21] FIG. 14 is a detailed block diagram of a device in accordance with an exemplary embodiment; and

[22] FIG. 15 is a block diagram of a device in accordance with another exemplary embodiment.

BEST MODE FOR CARRYING OUT THE INVENTION

[23] In accordance with an aspect of one or more exemplary embodiments, a method for using a first device to provide (provide) payment information to a partner device includes displaying on a lock screen of a first device a credit card image of a user’s credit card of the first device and receiving input by touch from the user regarding the displayed image of the credit card, in which the payment information that corresponds to the received input by touch is used to Payback with the first device.

[24] The method may further include providing payout information that corresponds to the received touch input to the partner device.

[25] The method may further include providing payout information, which corresponds to the received touch input, to the payout server.

[26] The method may further include using the received touch input to recognize a user's fingerprint and to provide fingerprint information that relates to the recognized fingerprint to a partner device in conjunction with the payment.

[27] The method may further include using the received touch input to recognize a user's fingerprint, unlocking the first device based on the recognized fingerprint, and providing payout information to the partner device when the first device is unlocked.

[28] The method may further include receiving from a partner device information that relates to a credit card that is used to perform payment with a partner device, in which a plurality of credit card images are displayed on the lock screen of the first device, and a credit card image, which corresponds to the credit card that is used to make the payment, is visibly displayed relative to the displayed set of credit images kart.

[29] The display of the credit card image on the lock screen of the first device may include the display of the credit card image on many points of the unlock pattern on the lock screen of the first device.

[30] The method may further include receiving from the partner device information that relates to a credit card that is used to perform payment with the partner device, in which displaying the credit card image on the lock screen of the first device may include displaying the corresponding image a credit card on each of the many points of the unlock pattern and the image of the unlock pattern point, which matches the image of the credit card that Paradise corresponds to a credit card, which is used to pay with an affiliate device that is clearly visible relative to the set of points of the unlock pattern.

[31] The display of a credit card image may include arranging a credit card image on the lock screen of the first device, based on at least one of the number of uses of the credit card, the position of the first device, the user's preference and bonus rate points.

[32] The method may further include executing an application for issuing payment information, upon receiving input by a touch, in which payment information is provided to at least one of the partner device and the payment server as a result of the application.

[33] Providing (issuing) payment information to a partner device may include providing (issuing) payment information to the partner device in a time interval during which touch input from a user is supported.

[34] The method may further include providing payout information to the partner device when the distance between the first device and the partner device is in a predetermined range.

[35] Providing payback information to the partner device may include providing payback information to the partner device using Near Field Communication (NFC).

[36] Displaying a credit card image may include displaying a credit card image on the lock screen when the distance between the first device and the partner device is in a predetermined range.

[37] In accordance with another aspect of one or more exemplary embodiments, an apparatus includes a memory that is configured to store at least one program, and a processor that is configured to generate payback information by executing at least one program, at least at least one program comprises at least a first command that relates to displaying, on a device lock screen, a credit image of a credit card of a device user, and at least a second command, which relates to the receipt of a touch input from a user regarding a credit card image, and payback information is generated based on the received touch input and is used to perform a payout using the device.

[38] Said at least one program may further include at least a third command, which relates to providing generated payback information to a partner device.

[39] The at least one program may further include at least a third command that relates to providing generated payback information to the payback server.

[40] The at least one program may further include at least a third command that relates to using the received touch input to recognize a user's fingerprint and to provide fingerprint information that relates to fingerprint recognition to a partner device, wherein the fingerprint information provided may be used in conjunction with the execution of the reckoning.

[41] The at least one program may further include at least a third command that relates to using the received touch input to recognize a user's fingerprint and unlock the device based on the recognized fingerprint, the processor may be further configured to provide a generated payback information to the partner device when the device is unlocked.

[42] The at least one program may further include at least a third command that relates to receiving information from a partner device that relates to a credit card used to pay with the partner device and at least a fourth command which relates to the display, on the device’s lock screen, of a plurality of credit card images, wherein the credit card image that corresponds to the credit card that is used for Paying with an affiliate device is displayed in a distinguishable manner relative to the displayed set of credit card images.

[43] Said at least the first command, which relates to displaying a credit card image on a device lock screen, may further relate to displaying a credit card image on a plurality of points of an unlock pattern on a device lock screen.

[44] The at least one program may further include at least a third command that relates to receiving information from a partner device that relates to a credit card that is used to pay with a partner device in which at least at least the first command, which relates to displaying a credit card image on the device’s lock screen, may additionally relate to displaying a corresponding credit card image for each of the plurality of points of the unlock pattern and the points of the lock pattern that correspond to the image of the credit card that corresponds to the credit card that is used to pay with the partner device that is distinguishably displayed relative to the plurality of points of the unlock pattern.

[45] Said at least the first command that relates to displaying a credit card image may further relate to arranging a credit card image on a device lock screen based on at least one of the number of credit card uses, device position, user preference and items premium rate.

[46] The at least one program may further include at least a third command that relates to executing an application for providing payout information when a touch input is received, and the processor may be further configured to provide generated at least one payload information. from the partner device and the payback server as a result of the application execution.

[47] The at least third command mentioned, which relates to providing generated payback information to a partner device, may further relate to providing generated payback information to the partner device in a time interval during which touch input from the user is maintained.

[48] The at least third command referred to, which relates to providing generated payback information to a partner device, may further relate to providing generated payback information to the partner device when the distance between the device and the partner device is in a predetermined range.

[49] The at least third command referred to, which relates to providing generated payback information to a partner device, may further relate to providing generated payback information to the partner device using near field communication (NFC).

[50] The at least first command mentioned, which relates to displaying a credit card image, may further relate to displaying a credit card image on a lock screen when the distance between the device and the partner device is in a predetermined range.

[51] In accordance with another aspect of one or more exemplary embodiments, a method for using a first device to provide payout information to a partner device includes displaying, on a lock screen of the first device, a user's credit card identification value of the first device and receiving touch input from the user relative to the displayed value of the identification of the credit card, and the payment information that corresponds to the received input by touch is used to Making a reckoning using the first device.

[52] In accordance with another aspect of one or more exemplary embodiments, a method is provided for facilitating interaction between a first user and a second user by using a first device that is associated with a first user. The first device includes a user interface for enabling I / O with respect to the first user. The method includes: displaying, using the user interface and on the screen of the first device, a plurality of images that respectively correspond to a plurality of candidate elements; receiving, using the user interface, input by touching from the first user regarding the displayed set of images; using the first device to select, from among the plurality of candidate elements, an element to use when performing an interaction, and generating interaction information based on the received input by touch; and using the received touch input and the generated interaction information together with the selected item to perform the interaction.

[53] The method may further include extracting authentication information from the received input by touching. Using the received touch input and generated interaction information to perform the interaction may include checking the extracted authentication information with respect to user-specific information stored on the first device, and using the verification result to determine whether the interaction is securely performed.

[54] Authentication information may include fingerprint information that relates to the first user.

[55] The method may further include transmitting the generated interaction information to at least one of the second device, which is associated with the second user, and the interaction server.

[56] The method may further include: using the received touch input to recognize a user's fingerprint; unlocking the device based on the recognized fingerprint; and providing interaction information to a second device that is associated with the second user when the first device is unlocked.

[57] The method may further include receiving, from the second device, which is associated with the second user, information that relates to an item that is used to perform interaction with the second device. An image that corresponds to an element that is used to interact with the second device can be displayed in a distinguishable manner relative to the displayed plurality of images.

[58] The display of multiple images may include displaying multiple images on multiple points of unlock patterns on the lock screen of the first device.

[59] The method may further include receiving, from the second device, which is associated with the second user, information related to the item that is used to perform interaction with the second device. The display of the plurality of images may include displaying a corresponding element on each of the plurality of points of the unlock pattern, and the image of the point of the lock pattern that matches the image that corresponds to the element that is used to perform interaction with the second device can be distinguishably displayed on the plurality points unlock pattern.

[60] The method may further include executing an application to provide interaction information when a touch input is received. The interaction information may be provided to at least one of the second device, which is associated with the second user, and the interaction server, as a result of the execution of the application.

[61] The method may further include providing interaction information to the second device, which is associated with the second user, in a time interval during which the first touch input from the user is supported.

[62] The method may further include providing interaction information to a second device that is associated with the second user when the distance between the first device and the second device is in a predetermined range.

[63] Providing interaction information to the second device may include providing interaction information to the second device using near field communication (NFC).

[64] The display of the plurality of images may include displaying the plurality of images on the lock screen of the first device when the distance between the first device and the second device that is associated with the second user is in a predetermined range.

[65] In accordance with another aspect of one or more exemplary embodiments, the first device for use in conjunction with the interaction between the first user and the second user includes: a display that is configured to display a plurality of images that respectively correspond to a plurality of candidate elements; a receiver that is configured to receive touch input from a first user regarding a displayed set of images; and a processor that is configured to select from a plurality of candidate elements an element to use when performing an interaction to generate interaction information based on the received input by touching and using the received input by touch and the generated interaction information together with the selected element to perform the interaction.

[66] The processor may be further configured to extract authentication information from the received touch input, verify the extracted authentication information with respect to user-specific information stored in the memory of the first device, and to use the result of the check to determine whether the interaction is securely performed.

[67] The authentication information may include fingerprint information that relates to the first user.

[68] The first device may include a transceiver that is configured to transmit the generated interaction information to at least one of the second device that is associated with the second user and the interaction server.

[69] The processor may be further configured to: use the received touch input to recognize a user's fingerprint; unlocking the first device based on the recognized fingerprint; and providing interaction information to a second device that is associated with the second user when the first device is unlocked.

[70] The transceiver may be further configured to receive information from a second device that is associated with a second user that relates to an item that is used to interact with the second device. The processor may further be configured to cause the display to display in a distinguishable manner an image that corresponds to an element that is used to interact with the second device with respect to the displayed set of images.

[71] The display may be further configured to display a plurality of images on a plurality of points of an unlock pattern on a lock screen of a first device.

[72] The transceiver may be further configured to receive information from a second device that is associated with a second user that relates to an item that is used to interact with the second device. The display may further be configured to display a corresponding item on each of a plurality of points of the unlock pattern. The processor may further be configured to force the display to display in a distinguishable way the image of the points of the lock pattern that corresponds to the image that corresponds to the element that is used to perform interaction with the second device with respect to the plurality of points of the unlock pattern.

[73] The processor may be further configured to run an application to provide interaction information when touch input is received. The transceiver may be further configured to transmit interaction information to at least one of the second device, which is associated with the second user, and the interaction server, as a result of the execution of the application.

[74] The transceiver may be further configured to transmit interaction information to a second device, which is associated with a second user, in a time interval during which a first touch input from the user is supported.

[75] The transceiver may be further configured to transmit interaction information to a second device that is associated with a second user when the distance between the first device and the second device is in a predetermined range.

[76] The transceiver may be further configured to transmit interaction information to the second device using near field communication (NFC).

[77] The display may be further configured to display a plurality of images on the lock screen of the first device when the distance between the first device and the second device that is associated with the second user is in a predetermined range.

MODE FOR CARRYING OUT THE INVENTION

[78] The accompanying drawings are referenced to illustrate exemplary embodiments in order to obtain a sufficient understanding of the exemplary embodiments, its advantages, and goals achieved by implementing the exemplary embodiments. Hereinafter, the present invention is described in detail, by explaining exemplary embodiments with reference to the accompanying drawings. Similar reference numerals in the drawings indicate like elements.

[79] Expressions, such as “at least one of” when present in front of a list of components, modify the entire list of components and do not modify individual components from the list.

[80] In the present description, when a component component is “connected” or “connected” to another component component, this component component can contact or can be connected to another component component not only “directly”, but also “electrically” with another component component (s) between them. When a part can “include” some constituent component, unless otherwise specified, it cannot be interpreted to exclude another constituent component, but can be interpreted to further include other constituent components.

[81] Further, although in the present description, a credit card image is displayed on a device lock screen, exemplary embodiments are not limited to this. The credit card identification value can be displayed on the device’s lock screen. Additionally, information related to the identification of a credit card, for example, a still image, a moving picture, text, etc., can be displayed on the device’s lock screen.

[82] FIG. 1 is a block diagram that schematically illustrates a general system concept in which a device 1000 transmits payment (payment) information to a partner device 2000, in accordance with an exemplary embodiment. With reference to FIG. 1, a system for transmitting payout information, in accordance with the present exemplary embodiment, includes a device 1000, a partner device 2000, and a payout (payment) server 3000. The device 1000 is used to select the appropriate credit card based on the payout environment, and the device 1000 provides the credit card information that relates to the selected credit card to the partner device 2000. The predefined image of the credit card that is displayed on the screen of the device 1000 is selected by receiving input by touch from the user. When the device 1000 approaches the partner device 2000 and / or when the distance between the device 1000 and the partner device 2000 is in a predetermined range, the device 1000 can transmit the payment information that relates to the credit card that corresponds to the selected image of the credit card to the partner device 2000 .

[83] In this case, at least one of the plurality of credit card images may be displayed on the lock screen of the device 1000. For example, at least one credit card image may be displayed on one of the plurality of unlock pattern points that are displayed on the device lock screen 1000. The points of the unlock pattern are the points on the grid of the lock screen. Additionally, the device 1000 can recognize the user's fingerprint based on input by a touch from the user, can unlock the device 1000 based on the recognized fingerprint, and can output the recognized fingerprint information with the payback information to the device 1000.

[84] Additionally, the partner device 2000 may provide received payment information to the payment server 3000 so that the payment server 3000 can perform payment (payment) by the device 1000.

[85] The device 1000 may be any one or more of a smartphone, mobile phone, personal digital assistant (PDA), laptop, media player, global positioning system (GPS) device. However, the present exemplary embodiment is not limited to this, and the device 1000 may be another mobile phone or a fixed computing device.

[86] Additionally, the partner device 2000 may be a point of sale (POS) terminal, but the present exemplary embodiment is not limited to this. For example, the partner device 2000 may be any one or more of a smartphone, mobile phone, PDA, laptop, media player, GPS device, and another mobile phone or stationary computing device.

[87] In another exemplary embodiment, the block diagram of FIG. 1 may be considered as a representation of a system for performing interaction between a first user and a second user. The device 1000 may be considered as associated with the first user, and the device 2000 may be considered as associated with the second user. Although the above exemplary embodiment relates to a payback interaction, other interactions may be performed.

[88] For example, a traveler may be preparing to travel by plane and may need to check in to receive a boarding pass and / or baggage check-in. In this case, the traveler can be considered as being the first user, and the airline can be considered as being the second user. The second device 2000 may be, for example, an interactive terminal (kiosk) at the airport or a computer that is connected to the airline’s website on the Internet. The traveler 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, passport, driver’s license and personal credit card, which can be used to register for a flight and / or baggage check-in.

[89] As another example, a user of a social environment may be prepared to upload information that relates to recent experience. In this case, the user of the social environment may be considered as being the first user, and the second user may be the website of the social environment. The second device may be, for example, any terminal that can be used to access a social media website. The user of the social environment 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 to a unified resource index (URL) that can be selected for the purpose uploading information to the site of the social environment.

[90] FIG. 2 is a flowchart that illustrates a method by which a device 1000 transmits payout information to a partner device 2000, in accordance with an exemplary embodiment. Referring to FIG. 2, in step S200, the device 1000 displays a credit card image on the lock screen. In step S200, the device 1000 may display a credit card image on at least one of the unlock pattern points that are displayed on the lock screen of the device 1000. The credit card image that appears on the lock screen can be used by the device 1000 to unlock the device 1000. Additionally, the device 1000 may display at least one credit card image without displaying unlock pattern points on the lock screen of device 1000.

[91] In step S200, since the distance between the device 1000 and the partner device 2000 is in a predetermined range, the device 1000 may display a credit card image on the lock screen of the device 1000. For example, when the device 1000 has a short-range communication connection with the partner device 2000 with using near field communication (NFC), the device 1000 can automatically display a predefined image of a credit card on the lock screen of the device 1000.

[92] Further, apparatus 1000 may display a plurality of credit card images by arranging credit card images based on a predetermined standard. The device 1000 may display a predetermined highlighted credit card image.

[93] In step S210, the device 1000 receives a touch input from a user regarding a credit card image. Since the user touches a particular credit card image that is displayed on the lock screen of the device 1000, the device 1000 may receive touch input from the user.

[94] In step S220, the device 1000 outputs to the partner device 2000 payment information that corresponds to the received input by touch, such as, for example, information that corresponds to the particular image of the credit card that the user is touching. In step S220, the device 1000 can retrieve the credit card information that relates to the credit card image affected by the user and the user information from the memory 1700 (see FIG. 14) of the device 1000, and can output the extracted credit card information and user information to the partner device 2000. Credit card information may include, for example, any one or more information about the credit card number and expiration date of the credit card, and credit card authentication information. The user information may include, for example, information about the value of the user identification information and the date of birth of the user.

[95] Additionally, in step S220, the device 1000 may provide payout information to the partner device 2000 when a touch input on a credit card image continues or is maintained for a predetermined time interval. When the device 1000 approaches the partner device 2000 in a time interval during which the touch input on the image of the credit card continues, the device 1000 can provide payback information to the partner device 2000, but the present exemplary embodiment is not limited to this.

[96] In step S220, the device 1000 can provide payout information to the partner device 2000 when the fingerprint information that is obtained by receiving input by touching the image on the credit card is effective.

[97] The block diagram of FIG. 2 may also be applicable to other exemplary embodiments. For example, the block diagram in FIG. 2 may be applicable to the above case of a traveler registering for a flight and / or checking baggage for a flight. At step S200, the traveler’s mobile phone displays a corresponding image that corresponds to each of the passport, driver’s license and credit card. At step S210, the traveler provides a touch input on a mobile phone relative to one of the displayed images. In step S220, the mobile phone transmits relevant information regarding the selected item to the device 2000, which is used by the airline to complete the baggage registration and registration processes, for example, an interactive terminal or a link to the airline’s website.

[98] Similarly, the block diagram in FIG. 2 can be applied to the above scenario of a user of a social environment uploading information that relates to recent experience. In step S200, the social media user’s mobile phone displays a corresponding image that corresponds to each of the photo, text messages, and URL. At step S210, the user of the social environment provides input by touching the mobile phone relative to at least one of the displayed images of the target, which relates to the upload. In step S220, the mobile phone transmits relevant information related to the selected item or items to the device 2000, which is used to perform the upload, for example, a computer terminal or a Wi-Fi connection at the access point.

[99] FIG. 3 is a flowchart that illustrates a method by which the apparatus 1000 of FIG. 1 provides payout information that corresponds to an affected image of a credit card to an affiliate device 2000, in accordance with an exemplary embodiment. Referring to FIG. 3, in step S222, the device 1000 recognizes a user's fingerprint when a touch input from the user is received. The device 1000 may recognize a user's fingerprint on the lock screen of the device 1000 by using a fingerprint recognition sensor (not shown) included in the device 1000. The fingerprint recognition sensor may be, for example, at least one of an optical sensor, a heat detection sensor, a sensor compression and sensors of the semiconductor type and / or type of electric field, but the present exemplary embodiment is not limited to this.

[100] In step S224, the device 1000 unlocks the device 1000 based on the recognized fingerprint. The device 1000 can compare the recognized fingerprint with user fingerprint information that is previously stored on the device 1000, and can unlock the device 1000 when the recognized fingerprint corresponds to the user's fingerprint information, as indicated with respect to the predetermined value.

[101] In this case, the fingerprint information of the user may be stored on the device 1000 for matching with each image of the credit card. The device 1000 may compare fingerprint information that corresponds to the affected image of a credit card with a recognized fingerprint.

[102] In step S226, since the device 1000 is unlocked, the device 1000 runs an application for transmitting payback information. The application executed in step S226 may provide information to the partner device 2000 that is useful and / or necessary to perform the payback.

[103] In step S228, the device 1000 provides the partner device 2000 with payment information that relates to a credit card image selected by input by touching a user using an executable application. The payout information may include at least one of the credit card information about the credit card image affected by the user and the user information. Credit card information may include, for example, one or more of information about a credit card number and expiration date of a credit card and credit card authentication information. The user information may include, for example, information about the value of the user identification information and the date of birth of the user.

[104] In step S229, the device 1000 provides fingerprint information about the recognized fingerprint to the partner device 2000. The device 1000 may issue fingerprint information to the partner device 2000 using an executable application. Additionally, the partner device 2000 may provide received fingerprint information to the pay server 3000 and may pay.

[105] FIG. 4 is a flowchart that illustrates the method by which the device 1000 recommends a credit card to be used for payment based on the payment environment in accordance with an exemplary embodiment. Referring to FIG. 4, in step S200, the device 1000 stores credit card information and credit card privilege information. The device 1000 may store user credit card information based on user input. Credit card information may include, for example, information about any one or more of a credit card type, credit card number, and credit card expiration date. Additionally, device 1000 may receive credit card information from a payout server 3000 and store received credit card information. The payback server 3000 may be a server managed by a credit card company, but the present exemplary embodiment is not limited to this. In this case, the device 1000 can provide the user profile information that is stored on the device 1000 to the pay server 3000, and can receive credit card information that corresponds to the user profile information issued to the pay server 3000. Additionally, when a user owns a recently issued credit card, device 1000 may receive credit card information about a newly issued credit card.

[106] The device 1000 may store credit card privilege information for each credit card stored on the device 1000 based on input from a user. The device 1000 may provide a user interface to facilitate entering credit card privilege information. A user may enter credit card privilege information for each credit card that is stored on the device 1000 using a user interface. Additionally, device 1000 may receive credit card privilege information from partner device 2000 and may store received credit card privilege information. The credit card privilege information received from the partner device 2000 may include privilege information provided when payment is performed using the partner device 2000. The device 1000 may receive credit card privilege information from the payout server 3000 and may store the received credit card privilege information .

[107] Credit card privilege information may be stored in agreement with a credit card. For example, credit card privilege information may include any one or more of the cost discount information, bonus rate point information, and coupon information. Additionally, credit card privilege information may include information about various privileges, in accordance with the consumer society store where the credit card is used.

[108] In step S205, the device 1000 stores a user’s credit card usage history. A credit card usage history may include, for example, any one or more of the credit card numbers used for payment, the time of payment, the date of payment, the name of the consumer’s store, the position of the payment, the name of the goods and information about the privileges provided for payment using credit card. When a user pays with a credit card using the device 1000, the device 1000 may save a history of the use of the credit card used for payment, but the present exemplary embodiment is not limited to this. The credit card history information about the payment by the device 1000 is accumulated and stored on the payment server 3000. The device 1000 may receive credit card history information stored on a payback server 3000 from a payout server 3000.

[109] At step S210, the device 1000 receives information about the environment of the payment. When a user attempts to pay using a credit card with the device 1000, the device 1000 can receive information about the payback environment from at least one sensor in at least one of the device 1000, the partner device 2000, and the payback server 3000. Information about the payback environment may include information about any one or more of the payback time, the payback position, the consumer society store, and the goods.

[110] In more detail, the device 1000 may receive information about the position of the device 1000 and may determine which store of the consumer society is suitable for paying based on the received position information. For example, device 1000 may determine a GPS value relative to the position of device 1000 by using a GPS sensor (not shown). The device 1000 may determine an access point (AP) identification value that is connected to the device 1000. Additionally, the device 1000 may determine the consumer community store where the device 1000 is located based on at least one of the GPS value and the AP identification value. In this case, consumer store information corresponding to the GPS value and the value of the AP identification information may be stored in advance on the device 1000 or a separate server (not shown).

[111] The device 1000 may check for product information due to registration. The device 1000 may check the information of the goods using a marker that attaches to the goods, but the present exemplary embodiment is not limited to this. The device 1000 can check the information of the goods from the partner device 2000. The device 1000 can receive at least one of the date, time, value of the identification information of the goods, the number of goods and the value of the identification information of the consumer society store, which corresponds to the partner device 2000, but the present exemplary embodiment not limited to this.

[112] The device 1000 may check any one or more of the premium rate in points, the premium limit in points, the discount rate and the discount limit for each credit card based on information about the consumer society store and goods. Information about the bonus rate in points, the bonus limit in points, the discount rate and the discount limit regarding the consumer goods store and goods can be stored in advance on device 1000 or on a separate server.

[113] In step S220, the device 1000 is used to select a credit card to be used to make a payment based on the payment environment. The device 1000 may determine a credit card to be used for payment in the obtained payment environment by using at least one of the credit card information, credit card privilege information, and payment history.

[114] In more detail, the device 1000 can retrieve a credit card that has been used more than a predetermined number of times in the received payout environment based on the credit card payout history. For example, if a credit card A, a credit card B, a credit card C and a credit card D are used in a consumer society store A and this consumer company store included in the received payout environment is a consumer society store A, device 1000 may retrieve credit card A, credit card B, credit card C, and credit card D from credit card information. Additionally, for example, if credit card A and credit card C have been used more than a predetermined number of times at a consumer company’s store A and this consumer’s store, included in the resulting payout environment, is consumer’s store A, device 1000 may remove credit card A and credit card C from credit card information.

[115] For example, if credit card A, credit card B, credit card C, and credit card D are used in the time interval "11:00 - 14:00" and the payout time that is included in the received payout environment is in the time interval " 11:00 - 14:00, device 1000 may extract credit card A, credit card B, credit card C, and credit card D from credit card information. Additionally, for example, if the priorities of credit card A and credit card B are higher than the rest of the credit cards used in the time interval "11:00 - 14:00", and the consumer company’s store included in the received payment environment is a consumer society’s store A, device 1000 may extract credit card A and credit card B from credit card information. In this case, the priority of the credit card can be determined based on at least one of a predefined standard and / or input from the user. In addition, although credit card priority can be determined by reflecting privileges for each credit card, the present exemplary embodiment is not limited to this.

[116] Additionally, the device 1000 can retrieve a credit card based on one or more of the many elements that are included in the payback history and payback environment. In this case, the device 1000 may determine a credit card to be extracted from the obtained payout medium by applying a predetermined weight to each item included in the payout history and payout environment, and by considering the weights of the items.

[117] In step S225, the device 1000 recommends at least one of a plurality of credit cards to be used for payment based on credit card privilege information. The device 1000 may compare the privileges of the extracted credit cards based on the credit card privilege information and may recommend credit cards based on the result of the comparison. The device 1000 may determine credit cards for recommendation based on, for example, the type of credit card privileges that the user prefers and / or the number of credit card privileges calculated in cash. The device 1000 may display on the screen information about the privileges provided by each credit card, and thus, the user can select a credit card based on the displayed privilege information.

[118] In this case, the device 1000 may receive credit card privilege information from the payback server 3000. The device 1000 can transmit credit card information, which information is stored on the device 1000, to the payout server 3000 and can receive credit card privilege information from the payout server 3000, but the present exemplary embodiment is not limited to this.

[119] The device 1000 may receive credit card privilege information from a store terminal (not shown). In this case, the store terminal may transmit information about the type and advantage of the credit card that is issued through the store to device 1000 in the store. The store terminal may issue privilege information to the device 1000 using, for example, SMS / Multimedia Transmission Service (MMS), but the present exemplary embodiment is not limited to this. Additionally, the store terminal may issue privilege information to the device 1000 using a wireless network (WiFi) (wireless access technology).

[120] Additionally, the device 1000 may automatically select a credit card to be used for payment based on a display mode, or it may select a credit card based on input from a user.

[121] The device 1000 may display a list of recommended credit cards for payment on the lock screen of the device 1000. For example, a recommended credit card image may be displayed on a pattern lock point on the unlock screen of the device 1000, but the present exemplary embodiment is not limited to this.

[122] In this case, when the user selects a credit card image that is displayed on the lock screen, a user interface that requests inputting a personal identification number (PIN) of the selected credit card may be displayed, but the present exemplary embodiment is not limited to this. When the user touches the credit card image that is displayed on the lock screen, the device 1000 can recognize the user's fingerprint based on input by a touch from the user and can unlock the device 1000 based on the recognized fingerprint and perform payment.

[123] Further, when the user selects a credit card image that is displayed on the unlock screen, the user can be approved and / or authenticated based on the user image and voice. For example, device 1000 may capture a user's face and determine whether the captured user is the true owner of the credit card that appears on the unlock screen. Additionally, for example, device 1000 can approve and / or authenticate a user by recognizing the iris of the user. Still further, for example, device 1000 can record a user's voice and can approve and / or authenticate a user based on the recorded voice.

[124] When the user selects a predefined credit card from the list of recommended credit cards, a payout window that relates to the selected credit card may be displayed on the screen of the device 1000. The payout window that is displayed on the screen of the device 1000 may include, for example , any one or more of credit card information, coupon information, number of registrations, and PIN entry field. Additionally, when the user enters the PIN code of the selected credit card in the PIN code input field, the payout using the selected credit card can be approved.

[125] When a payment (payment) using the selected credit card is safely executed, part or all of the payment can be displayed in a predefined color. The device 1000 can check whether the payment information of the selected credit card can be transmitted to the partner device 2000 and the payment server 3000, and when the payment information can be safely transmitted, the payment window can be displayed in a color that is preset by the user. The device 1000 can check whether payment information about the selected credit card can be safely transmitted to the partner device 2000 and the payment server 3000 by receiving separate authentication information from the partner device 2000 and the payment server 3000. However, the present exemplary embodiment is not limited to this.

[126] FIG. 5 is a flowchart that illustrates a method by which the apparatus 1000 of FIG. 1 composes and displays credit card images on a lock screen, in accordance with an exemplary embodiment. Referring to FIG. 5, in step S202, the device 1000 may receive information about at least one credit card that is used to make payments from the partner device 2000. In step S202, when the distance between the device 1000 and the partner device 2000 is in a predetermined range, the device 1000 can receive information about at least one of the credit cards that is used to perform the payment from the partner device 2000. Information about at least one of the credit cards that I is used to perform reckoning may include, for example, information about any one or more of the type of credit card, the premium rates in credit card points and the discount rate of the credit card, but the present exemplary embodiment is not limited to this.

[127] In step S204, the device 1000 may compose credit card images on the lock screen of the device 1000 based on at least one of a premium rate and a discount rate in points. For example, device 1000 may compose a credit card having a higher premium rate in points or a higher discount rate for a credit card having a lower premium rate or lower discount rate in points.

[128] Additionally, the device 1000 may place a credit card that corresponds to the position of the device 1000 in front of a credit card that does not correspond to the position of the device 1000, based on the position of the device 1000. For example, the device 1000 may display a credit card K when the device 1000 is located at Store A Consumer Society. Further, for example, when the device 1000 is located in the consumer society store B, the device 1000 may primarily display a credit card H. In this case, the position information may include at least one of a GPS value and an identification information value AP connected to the device 1000 , but the present exemplary embodiment is not limited to this. Still further, the device 1000 may determine the store where the device 1000 is located based on the GPS value and the identification information value AP connected to the device 1000. In this case, the store identification information value that corresponds to at least one of the GPS value and the identification information value An AP connected to device 1000 may be previously stored on device 1000.

[129] When credit card images are arranged based on the position of the device 1000, operation S202 may be omitted. In this case, the credit card information that is used in the store that corresponds to the position of the device 1000 may be previously stored on the device 1000.

[130] Additionally, the device 1000 may compose credit card images on the screen of the device 1000 based on at least one of the number of uses of the credit card by the user and the user's preferences. For example, device 1000 may primarily display a credit card having a relatively higher number of uses, and may secondarily display a credit card having a relatively lower number of uses. Still further, for example, device 1000 may primarily display a credit card having a relatively higher user preference and may secondarily display a credit card having a relatively lower user preference. User preference can be calculated by performing any one or more of various algorithms that can be based, for example, on the number of credit card uses and the number of credit card registrations.

[131] FIG. 6 is a flowchart that illustrates a method by which the apparatus 1000 of FIG. 1 in a distinguishable manner displays credit card images on a highlighted lock screen, in accordance with an exemplary embodiment. Referring to FIG. 6, in step S206, the device 1000 can receive credit card information that is used to perform the payment from the partner device 2000. In step S206, when the distance between the device 1000 and the partner device 2000 is in a predetermined range, the device 1000 can receive information about the credit card that is used to execute the payment from the partner device 2000. Information about the credit card that is used to perform the payment may include yourself, for example, information about any one or more of a type of credit card, a premium rate in points of a credit card, and a discount rate for a credit card, but the present exemplary embodiment is not limited to this.

[132] In step S208, the device 1000 displays a credit card that is used to make a payment based on a predetermined standard. At step S208, the device 1000 can display with credit the credit card that is used to perform the payment on the lock screen of the device 1000. For example, the device 1000 can display a credit card that is used to perform the payment by changing the color of the image of the credit card that matches credit card or by increasing the thickness of the edge of the image of a credit card. Additionally, the device 1000 may display a credit card by changing the color of the pattern lock point or the thickness of the edge of the pattern lock point on which the credit card that is used to make the payment is located.

[133] At step S208, the device 1000 may display a predefined credit card image based on at least one of the premium rate in points and the discount rate. For example, device 1000 may display a highlighted credit card having a high premium rate in points and a high discount rate.

[134] The device 1000 may display a credit card with allocation that corresponds to the position of the device 1000 based on the position of the device 1000. For example, the device 1000 may display a credit card K with allocation when the device 1000 is located in a store A of a consumer society. Additionally, for example, when the device 1000 is located in the store B of the consumer society, the device 1000 may display a credit card H with the allocation. In this case, the position information may include at least one of a GPS value and an AP identification value connected to the device 1000, but the present exemplary embodiment is not limited to this. Still further, the device 1000 can determine the store where the device 1000 is located based on the GPS value and the value of the identification information AP connected to the device 1000. In this case, the value of the identification information of the store, which corresponds to at least one of the GPS value and the value of the identification information AP connected to the device 1000 may be previously stored on the device 1000.

[135] When the credit card image is displayed highlighted based on the position of the device 1000, operation S206 may be omitted. In this case, the credit card information that is used in the store that corresponds to the position of the device 1000 may be previously stored on the device 1000.

[136] Additionally, device 1000 may display credit card images with highlighting based on at least one of a number of user credit card uses and user preferences. For example, device 1000 may display a credit card with a relatively high number of uses in isolation. Still further, for example, the device 1000 may display a credit card with a relatively high user preference. User preference can be calculated by performing any one or more of various algorithms that are based on the number of credit card uses and the number of credit card registrations.

[137] FIG. 7 is a block diagram that schematically illustrates an example of displaying a recommended credit card when the distance between the device 1000 and the partner device 2000 is in a predetermined range, in accordance with an exemplary embodiment. Referring to FIG. 7, when the device 1000 approaches the partner device 2000, the partner device 2000 may provide information about the medium of payment to the device 1000. Information about the payback medium may include, for example, at least one of the device information about the partner device 2000 and information about the payback time, the payback position, the consumer society store, and the goods.

[138] Additionally, the device 1000 may determine a credit card that is recommended for the user based on information about the payout environment and may display the recommended image of the credit card on the lock screen of the device 1000. Thus, when the distance between the device 1000 and the partner device 2000 is at a preset range, the device 1000 may display a credit card image on the lock screen of the device 1000.

[139] FIG. 8 is a diagram that schematically illustrates a method for displaying a recommended credit card when the distance between the device 1000 and the partner device 2000 is in a predetermined range and for providing payout information, in accordance with an exemplary embodiment.

[140] At step S800, the device 1000 is located at a short distance from the partner device 2000. The device 1000 and the partner device 2000 can approach each other in a predetermined range. When the device 1000 and the partner device 2000 are approaching each other, the device 1000 and the partner device 2000 can be connected to each other by communication in the near field. Near field communications may include, for example, any one or more of NFCs, ZigBee communications, radio frequency identification (RFID) communications, and ultra-wide bandwidth (UWB) communications.

[141] In step S802, the device 1000 receives information that relates to a payback medium from partner device 2000. Information that relates to a payback medium may include, for example, any one or more of a payback time, a payback position, a consumer store society and information related to the identification information of goods.

[142] In step S804, the device 1000 may display a recommended credit card on the lock screen of the device 1000. The device 1000 may recommend a credit card for use in paying based on the payout environment and credit card privilege information and may display a list of recommended credit cards on the device lock screen 1000. The device 1000 may compose and display multiple images of credit cards based on a predefined standard. Additionally, device 1000 may display a predetermined highlighted credit card image.

[143] In step S806, the device 1000 may select a credit card to use for payment based on the received input by the user. When the user touches a predefined credit card image displayed on the lock screen, the device 1000 may select the credit card affected by the user as the credit card to use for reckoning.

[144] In step S808, the device 1000 provides payout information about the selected credit card to the partner device 2000. The device 1000 can retrieve the credit card information from the credit card image affected by the user and the user information from the memory 1700 of the device 1000 and can output the extracted credit card information and user information on the partner device 2000. Credit card information may include, for example, any one or more of the credit card number and credit expiration date information th card and credit card authentication information. Additionally, the user information may include information about the value of the user identification information and the date of birth of the user.

[145] Additionally, if the touch input of the credit card image is supported at a predetermined time interval, the device 1000 may provide payout information to the partner device 2000. When the device 1000 approaches the partner device, 2000, while the touch input of the credit card image is supported, device 1000 may provide payout information to partner device 2000, but the present exemplary embodiment is not limited to this.

[146] In step S810, the device 1000 provides payment information about the selected credit card to the payment server 3000. When a touch input of a credit card image is supported at a predetermined time interval, the device 1000 may provide payback information to the partner device 2000, but the present exemplary embodiment is not limited to this.

[147] FIG. 9 illustrates an example image of a credit card displayed on the lock screen of the device 1000, in accordance with an exemplary embodiment. Referring to FIG. 9, a plurality of points of the unlock pattern can be displayed on the lock screen of the device 1000, and a predefined image of the credit card can be displayed superimposed on each point of the lock pattern. In this case, the image of the credit card to be displayed on the lock screen may be the image of the credit card that is used to pay with the partner device 2000. Additionally, the images of credit cards can be arranged in accordance with a predefined standard based on information about type of credit card, premium rate in credit card points, and discount credit card rate, but this exemplary embodiment is not limited It is this.

[148] Additionally, the user can unlock the device 1000 by using a credit card image and points of the unlock pattern. For example, the device 1000 can be unlocked by selecting a credit card image and points on the unlock pattern in a predetermined order based on input by touching and dragging.

[149] FIG. 10 illustrates an example image of a credit card displayed on the lock screen of the device 1000, in accordance with another exemplary embodiment. Referring to FIG. 10, a plurality of unlock pattern points may be displayed on the lock screen of the device 1000, and predefined credit card images may be displayed for some other unlock pattern points. In this case, the image of the credit card to be displayed on the lock screen may be the image of the credit card that is used to pay with the partner device 2000. Additionally, the image of the credit card can be arranged in accordance with a predefined standard based on the information about the type of credit card, the premium rate in points of a credit card and the discount rate of a credit card.

[150] Additionally, the user can unlock the device 1000 by using a credit card image and points of the unlock pattern. For example, the device 1000 can be unlocked by selecting a credit card image and points on the unlock pattern in a predetermined order based on touch input and drag.

[151] FIG. 11 illustrates exemplary images of credit cards displayed on a lock screen of a device 1000, in accordance with another exemplary embodiment. Referring to FIG. 11, credit card images may be displayed on the lock screen of device 1000 without displaying unlock pattern dots. In this case, the image of the credit card to be displayed on the lock screen may be the image of the credit card that is used to pay with the partner device 2000. Additionally, the image of the credit card can be arranged in accordance with a predetermined standard based on information about the type of credit card, the premium rate in points of a credit card and the discount rate of a credit card.

[152] FIG. 12 illustrates an example credit card image in a distinguishable way with highlighting in accordance with an exemplary embodiment. Referring to FIG. 12, the credit card image of the credit card K has a high premium rate, and the credit card image of the credit card S, having a high user preference, can be displayed highlighting to distinguish these images relative to the plurality of credit card images that are displayed on the lock screen of the device 1000. For example, The edge of each K and S credit card image may appear relatively thick. However, the present exemplary embodiment is not limited to this, and the color, size and / or any other suitable aspect of the image of the credit card can be changed and displayed in a distinguishable way. Additionally, a credit card image can be displayed in three dimensions.

[153] FIG. 13 illustrates an example credit card image in a distinguishable display with highlighting, in accordance with an exemplary embodiment. Referring to FIG. 13, an unlock pattern point that is displayed below the credit card image of each of the credit card K having a high premium rate and a credit card image of the credit card S having a high user preference can be displayed highlighting to distinguish these images with respect to credit card images, which are displayed on the lock screen of the device 1000. For example, the edge of the dot of the lock pattern below each credit card image of the credit cards K and S may be displayed as being stay relatively fat. However, the present exemplary embodiment is not limited to this, and the color, size and / or any other suitable aspect of the block pattern point can be changed and displayed in a distinguishable way. Additionally, the lock pattern point can be displayed in three dimensions.

[154] Referring to FIG. 9, 10, 11, 12, and 13, the coupon image may be displayed together with the credit card image on the lock screen of the device 1000. The device 1000 may recommend a coupon that is used to jointly pay, which involves predefined goods, and the device 1000 can display the recommended coupon image on the lock screen of the device 1000. Additionally, when the user selects the coupon image and the credit card image displayed on the lock screen, the device 1000 can an issue on the partner device 2000 and the server 3000 reckoning information about coupons and credit card selected by the user.

[155] FIG. 14 is a detailed block diagram of an apparatus 1000, in accordance with an exemplary embodiment. Referring to FIG. 14, an apparatus 1000 in accordance with the present exemplary embodiment includes a display unit 1100 (also referred to as a display 1100 in the present description), a credit card image composition unit 1200 (also referred to as an image composer 1200 in the present description), a user input unit 1300 (also referred to as a receiver 1300 in the present description), a fingerprint recognition unit 1400 (also referred to as a fingerprint recognition device 1400 in the present description), an unlocking unit 1500 (also called in as an unlocker 1500), a payload information providing unit 1600 (also referred to as a payload information provider 1600 in the present description), a memory 1700, a transceiver unit 1800 (also referred to as a transceiver 1800 in the present description), and a control unit 1900 (also called in the present description controller 1900).

[156] The display unit 1100 may display at least one credit card image on at least one of the unlock pattern points displayed on the lock screen of the device 1000. The credit card image that appears on the lock screen can be used to unlock the device 1000. Additionally , the display unit 1100 may display at least one credit card image without displaying the unlock pattern points on the lock screen of the device 1000.

[157] Further, when the distance between the device 1000 and the partner device 2000 is in a predetermined range, the display unit 1100 may display a credit card image on the lock screen of the device 1000. For example, when the device 1000 is at a short distance from the partner device 2000, thus that the connection between them can occur using NFC, the display unit 1100 can display a predefined image of a credit card on the lock screen of the device 1000.

[158] Additionally, the display unit 1100 may compose and display a plurality of credit card images in accordance with a predetermined standard. The display unit 1100 may display a predetermined highlighted credit card image. The display unit 1100 may display a credit card image, for example, by changing the color of the image of the credit card that matches the credit card that is used to pay, or by increasing the thickness of the edge of the image of the credit card. The display unit 1100 may display a credit card image by changing the color of the unlock pattern point that is displayed below the credit card that is used to pay, or by increasing the thickness of the edge of this unlock pattern point.

[159] The credit card image composition unit 1200 composes the credit cards that are used for payment processing in accordance with a predetermined standard. The credit card image composition unit 1200 may compose the credit card images in accordance with a predetermined standard by using the credit card image information that is used to perform the payment. In this case, when the distance between the device 1000 and the partner device 2000 is in a predetermined range, the device 1000 can receive credit card information that is used to pay with the partner device 2000. Credit card information that is used to pay may include, for example, information about any one or more of a type of credit card, a premium rate in points of a credit card, and a discount rate for a credit card, but this mer embodiment is not limited thereto. The credit card image composition unit 1200 may recommend a plurality of credit cards to be used for reckoning, and may display the recommended credit cards in a distinguishable manner.

[160] The credit card image composition unit 1200 may compose credit card images on the lock screen of the device 1000 based on at least one of the premium rate in points and the discount rate. For example, device 1000 may compose credit cards from those having a higher premium rate in points or a higher discount rate to credit cards having a lower premium rate in points or a lower discount rate.

[161] The credit card image composition unit 1200 may compose credit cards that correspond to the position of the device 1000 in a primary way as compared to credit cards that do not correspond to the position of the device 1000 that can be arranged in a secondary manner based on the position of the device 1000. For example, the credit card image composition unit 1200 may primarily compose the credit card K when the device 1000 is located in the store A of the consumer community. Further, for example, when the device 1000 is located in the consumer society store B, the device 1000 may primarily compose a credit card H. In this case, the position information may include at least one of a GPS value and an identification information value AP connected to the device 1000 , but the present exemplary embodiment is not limited to this. Additionally, the credit card image composition unit 1200 may determine a message store where the device 1000 is located based on at least one of a GPS value and an identification information value AP connected to the device 1000. In this case, the store identification information value that corresponds to at least at least one of a GPS value and an AP identification value connected to the device 1000 may be previously stored on the device 1000. Credit card information that can be used in a store that matches the position of device 1000, can be pre-stored on device 1000, but the present exemplary embodiment is not limited to this.

[162] The credit card image composition unit 1200 may compose credit cards on a lock screen of the device 1000 based on at least one of a number of user credit card usage and user preferences. For example, the credit card image composition unit 1200 may primarily compose a credit card having a relatively higher number of uses relative to the secondary layout of a credit card having a relatively lower number of uses. Additionally, for example, device 1000 may, first of all, compose a credit card having a relatively higher user preference relative to the secondary layout of a credit card having a relatively lower user preference. User preference can be calculated by performing any one or more of various algorithms that can be based on the number of credit card uses and the number of credit card registrations.

[163] The user input receiving unit 1300 may receive touch input from a user that relates to a credit card image. When the user touches a predefined credit card image that is displayed on the lock screen of the device 1000, the input receiving unit 1300 from the user may receive touch input from the user.

[164] The fingerprint recognition unit 1400 may recognize a user's fingerprint based on the received touch input. The fingerprint recognition unit 1400 can recognize a user's fingerprint from the lock screen of the device 1000 by using the fingerprint recognition sensor included in the device 1000. The fingerprint recognition sensor may be, for example, at least one of an optical sensor, a heat detection sensor, a compression sensor and semiconductor type and electric field type sensors, but the present exemplary embodiment is not limited to this.

[165] The unlocking unit 1500 may unlock the device 1000 based on the recognized fingerprint. The unlocking unit 1500 may compare the recognized fingerprint with user-specific fingerprint information that is previously stored on the device 1000, and may unlock the device 1000 when the recognized fingerprint corresponds to user-specific fingerprint information, as indicated with respect to a predetermined value.

[166] In this case, user-specific fingerprint information may be stored on the device 1000 for matching with each credit card image. The unlocking unit 1500 may compare the fingerprint information that corresponds to the affected image of the credit card (i.e., received input by touch) with the recognized fingerprint.

[167] When the device 1000 is unlocked, the payback information providing unit 1600 can provide the payout information that corresponds to the credit card image affected by the user to the partner device 2000. In particular, when the device 1000 is unlocked, the payback information providing unit 1600 can execute transfer applications payback information. The reckoning information providing unit 1600 may provide reckoning information to the partner device 2000 by using an executable application.

[168] The reckoning information providing unit 1600 may retrieve user information and credit card information from the credit card image affected by the user from the memory 1700, and may provide the partner device 2000 with extracted credit card information and user information. Credit card information may include, for example, credit card number and credit card expiration date information and credit card authentication information. The user information may include, for example, information about the value of the user identification information and the date of birth of the user.

[169] The reckoning information providing unit 1600 may provide reckoning information to the partner device 2000 when touch input on a credit card image is continued or maintained in a predetermined time interval. Thus, if the distance between the device 1000 and the partner device 2000 is in a predetermined range, the payback information providing unit 1600 may provide the payback information to the partner device 2000, but the present exemplary embodiment is not limited to this.

[170] The reckoning information providing unit 1600 may provide reckoning information to the partner device 2000, when the fingerprint information obtained based on a touch input on a credit card image is determined to be valid with respect to the stored information that relates to the credit card user.

[171] The reckoning information providing unit 1600 may provide fingerprint information about the recognized fingerprint to the partner device 2000. In this case, the partner device 2000 provides the received fingerprint information to the reckoning server 3000, and thus, the reckoning can be performed.

[172] The memory 1700 may store various information that is useful and / or necessary for the device 1000 to display a credit card image on the lock screen and provide information to the partner device 2000 for performing a credit card payment.

[173] The transceiver unit 1800 may transmit information that is used to carry out a credit card payment using the partner device 2000 and the payment server 3000. In particular, the transceiver unit 1800 transmits to the partner device 2000 and the payback server 3000 various information that is useful and / or necessary for the device 1000 to display a credit card image on the lock screen of the device 1000.

[174] The control unit 1900 can control the entire operation of the device 1000 so that the device 1000 displays the image of the credit card on the lock screen and provides information about the credit card payout to the partner device 2000. The control unit 1900 can control the display unit 1100, the image composition unit 1200 credit cards, a user input receiving unit 1300, a fingerprint recognition unit 1400, an unlocking unit 1500, a payment information providing unit 1600, a memory 1700 and a transceiver unit 1800.

[175] FIG. 15 is a block diagram of an apparatus 1000 in accordance with another exemplary embodiment. Referring to FIG. 15, the mobile communication unit 1001 performs a call parameter setting and data transmission with a local station using cellular communication, such as 3G / 4G. Sub-communication unit 1002 performs a function for near field communication, such as Bluetooth or NFC. The radio reception unit 1003 may receive a digital multimedia broadcasting (DMB) signal.

[176] The camera unit 1004 includes a lens and optical elements for capturing a picture or a moving picture.

[177] The sensor unit 1005 may include at least one of a gravity sensor for detecting movement of the device 1000, a light sensor for detecting light brightness, a proximity sensor for detecting a person’s proximity, and a motion sensor for detecting human movement.

[178] The GPS receiving unit 1006 receives a GPS signal from an artificial satellite. Thus, various services can be provided to the user by using a GPS signal.

[179] The input / output unit 1010 provides an interface for use with an external device or person, and may include a button 1011, a microphone 1012, a speaker 1013, a vibration motor 1014, a connector 1015, and a keyboard 1016.

[180] Touch screen 1018 receives touch input from a user. Touch input can be performed, for example, by performing at least one of a drag gesture and / or touch gesture. The touch screen controller 1017 transmits touch input, which is received by the touch screen 1018, to the control unit or processor 1050. The power supply unit 1019 is connected to a battery or an external power source to supply power to the device 1000.

[181] The control unit 1050 executes programs that are stored in the memory 1060, and thereby provides payout information to the partner device 2000 by using a credit card image that is displayed on the lock screen, in accordance with one or more exemplary embodiments.

[182] Programs stored in memory 1060 can be classified into many models: mobile communication module 1061, WiFi module 1062, Bluetooth module 1063, DMB module 1064, camera module 1065, sensor module 1066, GPS module 1067, moving playback module 1068 pictures, audio playback module 1069, power supply module 1070, touch screen module 1071, user interface (UI) module 1072, and application module 1073. Additionally, at least one program that is stored in memory 1060 may include a module that is used to perform NFC communications and may include an NFC module (not shown) instead of or in addition to the Bluetooth module 1063. Additionally, the function of each module can be intuitively understood from its name by a person skilled in the art.

[183] An operation of providing payout information by using a credit card image on a lock screen in accordance with an exemplary embodiment is described below.

[184] At least one of the mobile communication module 1061, the WiFi module 1062, the Bluetooth module 1063, and the NFC module may receive credit card information that is used for payment processing from the partner device 2000. For example, when the device 1000 approaches the partner to the device 2000, the device 1000 can receive credit card information using the NFC module.

[185] The application module 1073 may determine a credit card image that is displayed on a lock screen by using credit card information and may determine how a specific credit card image is composed and displayed. The UI module 1072 may display a credit card image on the lock screen based on the definition of the application module 1073.

[186] The touch screen module 1071 may receive a touch input relative to a credit card image from a user and may recognize a user's fingerprint based on the received touch input.

[187] The application module 1073 can unlock the device 1000 when the recognized fingerprint information is similar to the fingerprint information stored in the memory 1060. The application module 1073 can provide credit card information from a credit card image that is selected based on received input by touch and recognized fingerprint information to affiliate device 2000. In this case, application module 1073 can provide credit card information and fingerprint information to affiliate troystvo via at least one of the mobile communication module 1061, module 1062 WiFi, Bluetooth module 1063 and the NFC module.

[188] As described above, such communication information is transmitted to the promotion server via cellular communication and, finally, is advanced to the second mobile terminal, which is selected by the user from the contact list. When the mobile terminal, which receives the connection information, makes a request to connect using a wireless local area network (LAN), the application module 1073, when interacting with the WiFi module 1062, forms a wireless LAN communication line with the partner mobile terminal.

[189] Below, a mode by which the device 1000 acts as a second mobile terminal is described below. When the promotion message, which includes the connection information, is received by the mobile communication unit 1001, the application module 1073 displays a selection menu on the lock screen requesting whether to establish a wireless LAN communication line with the first mobile terminal. If the user touches the button to approve the connection using the touch screen 1018, the application module 1073, when interacting with the WiFi module 1062, forms a wireless LAN communication line with the first mobile terminal.

[190] An exemplary embodiment may be implemented in the form of a recording medium that includes computer-executable control languages, such as program modules, that can be executed by a computer. A removable or non-removable computer storage medium may be a medium that can be accessed by a computer, and may include all volatile and non-volatile media or separable and non-separable media. Additionally, a computer-readable storage medium may include all computer storage media and communication media. A computer-readable storage medium may include all volatile and non-volatile media or separable and non-separable media implemented in some method or technology for storing information, such as computer-readable control languages, data structures, program modules and / or other data. A communication medium may typically include computer-readable control languages, data structures, program modules or other modulated data signal data and / or any other suitable transmission mechanism, and may also include a medium for sending specific information.

[191] While the present proposed concept is specifically shown and described with reference to exemplary embodiments, it will be apparent to those skilled in the art that various changes in form and description can be made to exemplary embodiments without departing from the gist and the scope of the present inventive proposed concept, as defined by the attached claims.

Claims (25)

1. A method for facilitating interaction between a first user and a second user by using a first device (1000) that is associated with said first user, the first device (1000) including a user interface for enabling I / O with respect to the first user, and wherein the method contains: in response to approaching the first device (1000) to the partner device (2000) to be in the pre-set range of the partner device (2000), displaying (S200) on the lock screen of the first device (1000) a credit card image corresponding to the credit card of the first user of the first devices (1000), and establishing short-range communication with a partner device (2000); receiving input (S210) by touching from a first user regarding a displayed image of a credit card; and in response to receiving input by touching a credit card image, extracting fingerprint information from the received input by touching, unlocking (S224) the first device based on the extracted fingerprint information, generating payout information based on credit card information corresponding to the credit card image from the memory of the first device (1000), and transmitting (S220) the payback information to the partner device (2000) by means of short-range communication, wherein the partner device (2000) is a device associated with a second user. 2. The method of claim 1, further comprising: the issuance of the aforementioned information (S229) of the fingerprint to the partner device (2000) in conjunction with the payment. 3. The method according to claim 1, wherein the method further comprises: transmitting payment information to the partner device when the first device is unlocked (S226, S228). 4. The method according to claim 1, further comprising receiving (S206) from the partner device (2000) information that relates to a credit card that is used to pay by the partner device (2000), moreover, a plurality of credit card images are displayed on the lock screen of the first device, and a credit card image that corresponds to a credit card that is used to pay by the partner device is displayed in a distinct manner with respect to the displayed plurality of credit card images (S208). 5. The method according to claim 1, wherein displaying the credit card image on the lock screen (S200) of the first device (1000) comprises displaying the credit card image on a plurality of unlock pattern points on the lock screen of the first device (1000). 6. The method according to claim 1, further comprising receiving from the partner device (2000) information that relates to a credit card that is used to perform payment (S206) through the partner device (2000), moreover, the display (S200) of the credit card image on the lock screen of the first device (1000) comprises displaying the corresponding credit card image on each of the plurality of unlock pattern points, and the image of the lock pattern point that corresponds to the credit card image that corresponds to the credit card used to the execution of the payout by means of the partner device (2000) is displayed in a distinguishable manner with respect to the set of points of the unlock pattern. 7. The method of claim 1, wherein the display (S200) of the credit card image comprises arranging the credit card image on the lock screen of the first device based on at least one of the number of credit card uses, position of the first device, user preference, and premium rate in points . 8. The method of claim 1, further comprising executing an application for issuing payback information when a touch input is received (S226), wherein the payback information is provided to at least one of the partner device (2000) and the payback server (3000) as a result of the application execution. 9. The method of claim 1, wherein transmitting the payout information (S220) to the partner device (2000) comprises transmitting the payback information to the partner device in a time interval during which touch input from the user is supported. 10. The method according to claim 1, further comprising transmitting payment information to the partner device (2000) in response to the fact that the distance between the first device (1000) and the partner device (2000) is in a predetermined range. 11. The method of claim 1, wherein transmitting the payback information to the partner device (2000) comprises transmitting the payback information to the partner device via short-range communication (NFC). 12. The method of claim 1, wherein displaying the image of the credit card (S200) comprises displaying the image of the credit card on the lock screen in response to the distance between the first device (1000) and the partner device (2000) being in a predetermined range. 13. The method according to claim 1, further comprising checking the extracted fingerprint information with respect to user-specific information stored on the first device, and using the result of the check to determine whether the payment is securely executed. 14. The first device (1000) for use in conjunction with the implementation of the interaction between the first user and the second user, containing: in response to the approach of the first device (1000) to the partner device (2000) so as to be in the preset range of the partner device (2000), a display (1100) that is configured to display a credit card image on the lock screen of the first device (1000), the corresponding credit card of the first user of the first device (1000), and a sub-communication unit (1002) that is configured to establish short-range communication with the partner device (2000); a receiver (1300) that is configured to receive touch input with respect to the displayed image of the credit card; and in response to receiving a touch input with respect to a credit card image, a processor (1050) that is configured to extract fingerprint information from the received touch input to unlock the first device based on the extracted fingerprint information to generate payout information based on the information on the credit card corresponding to the image of the credit card from the memory of the first device (1000), and for controlling the sub-communication unit (1002) for transferring payment information to partners a device (2000) by means of short-range communication, the partner device (2000) being the device associated with the second user.

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