WO2014104430A1 - 결제 방식 선택을 위한 결제 디바이스 제어방법 - Google Patents
결제 방식 선택을 위한 결제 디바이스 제어방법 Download PDFInfo
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- WO2014104430A1 WO2014104430A1 PCT/KR2012/011675 KR2012011675W WO2014104430A1 WO 2014104430 A1 WO2014104430 A1 WO 2014104430A1 KR 2012011675 W KR2012011675 W KR 2012011675W WO 2014104430 A1 WO2014104430 A1 WO 2014104430A1
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- payment
- information
- app
- payment method
- electronic tag
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- 238000000034 method Methods 0.000 title claims abstract description 192
- 230000008569 process Effects 0.000 claims description 4
- 101100480512 Caenorhabditis elegans tag-51 gene Proteins 0.000 description 32
- 238000004891 communication Methods 0.000 description 20
- 230000006870 function Effects 0.000 description 11
- 238000010586 diagram Methods 0.000 description 8
- 238000012546 transfer Methods 0.000 description 2
- 230000004913 activation Effects 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 238000007726 management method Methods 0.000 description 1
- 230000004044 response Effects 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/326—Payment applications installed on the mobile devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems
- H04B5/40—Near-field transmission systems, e.g. inductive or capacitive transmission systems characterised by components specially adapted for near-field transmission
- H04B5/48—Transceivers
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems
- H04B5/70—Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes
- H04B5/72—Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for local intradevice communication
Definitions
- the present invention relates to a method for controlling a payment device for selecting a payment method, and more particularly, by matching a payment method available at a payment terminal and a payment device so that a user can use it immediately, and the frequency of use among the available methods. Accordingly, the present invention relates to a payment device control method for selecting a payment method that improves usability by sequentially displaying the payment device.
- the portable terminal stores card information in a universal subscriber identity module (USIM) or a memory, and selects and provides desired card information to a payment terminal so that the mobile terminal can process mobile payment.
- USIM universal subscriber identity module
- the mobile terminal includes an application for each card company and an application ID, and the card information is called by the application and provided to the payment terminal. If a plurality of card information and applications are provided in the portable terminal, the user of the portable terminal may execute a desired application and proceed with payment using the executed application. Such a payment method is difficult to find and use the card information desired by the user of the mobile terminal, and it may be unclear what card information exists in the mobile terminal and what card information should be presented to the payment terminal.
- Korean Patent Laid-Open Publication No. 10-2012-0097157 proposes a mobile card management method for displaying card information on a display device provided in a mobile terminal with reference to an application ID and allowing the user to select and use the displayed card information. There is a bar.
- Patent Document 10-2012-0097157 displays a list of card information embedded in the portable terminal on the portable terminal, and checks and uses the entire card information at a glance in terms of using a user selected one of the displayed card information.
- Patent Document 10-2012-0097157 has the advantage that the payment means are collectively displayed on the display device to widen the user selection, in the end, the user of the mobile terminal must select the card information and proceed with the mobile transaction. There is still a lack of user convenience in that it is unclear which card information should be presented.
- An object of the present invention is to check the payment method between the payment device and the payment terminal, and to enable the user to quickly and conveniently perform a mobile payment in an App environment or Web environment using a desired payment method or means.
- a payment device control method for selecting a payment method is provided.
- the above object is performed by a payment app installed and driven in a payment device having a display device, and when accessing an electronic tag in which payment method information supported by a payment terminal is recorded, payment is made from the electronic tag. Acquiring method information, driving a sub app of a matching payment method matched among the payment method information and a payment method supported by the payment device, and displaying an interface of the sub app on the display device; do.
- the above object is performed by a payment device having a display device, and when accessing the electronic tag recorded payment method information supported by the payment terminal, obtaining the payment method information from the electronic tag, And providing the payment method information obtained from the electronic tag to a card company server, and obtaining a payment web page for any one of the payment method information from the card company server and displaying it on the display device.
- the payment device when the payment device is close to the payment terminal, the payment device may determine a payment method supported by the payment terminal having the electronic tag in which the payment method is recorded, and among the payment methods supported by the payment terminal, Payment may be processed according to a user selected payment method.
- FIG. 1 is a conceptual diagram illustrating a payment device control method for selecting a payment method according to an embodiment of the present invention.
- FIGS. 2 and 3 illustrate a reference diagram for a payment device control method for selecting a payment method according to the present invention.
- FIG. 4 is a reference diagram for an example of an execution screen for downloading and executing a sub app in a payment device.
- FIG. 5 illustrates a reference view of another example of a sub app displayed on a display device of a payment device.
- FIG. 6 is a conceptual diagram illustrating a payment device control method for selecting a web-based payment method.
- FIG. 7 is a flowchart illustrating a payment device control method for selecting a payment method according to an embodiment of the present invention.
- the payment device referred to herein may refer to a device capable of paying a fee in a mobile environment.
- a device capable of paying in a mobile environment there are devices such as a mobile phone, a smart phone, a notebook, a tablet PC, and a personal digital assistant, but wireless communication is possible.
- it may refer to a portable device among devices equipped with a financial chip such as a Subscriber Identity Module (SIM) chip and a Universal Subscriber Identity Module (USIM) chip.
- SIM Subscriber Identity Module
- USB Universal Subscriber Identity Module
- the payment device must have a display device, the display device provided may be a touch input.
- credit card may refer to a credit card itself as well as a portable terminal that replaces a credit card.
- a chip capable of short-range wireless communication is embedded in the portable terminal.
- a portable terminal may have a built-in NFC (Near Field Communication) chip or a Bluetooth chip.
- NFC Near Field Communication
- Bluetooth chip if it is a type that can transmit and receive card information at a distance of several centimeters (cm) to several tens of centimeters, it may be applied to a mobile terminal.
- the mobile terminal when the mobile terminal is embedded with an NFC chip, the mobile terminal may perform data communication with the payment terminal through any one of the payment terminal and the RF interface of ISO 14443, 14443A, ISO 18092 standard.
- the payment terminal may attach a separate electronic tag to the main body, and the electronic tag, like the NFC chip of the mobile terminal, performs wireless data communication with the mobile terminal according to one of the RF interfaces of ISO 14443, ISO 14443A, and ISO 18092. Can be done.
- a credit card may refer to a magnetic credit card, an electronic credit card, as well as a mobile terminal capable of paying a fee in a mobile environment, and the meaning of the credit card is not limited to a medium in the form of a card.
- the electronic tag referred to herein may be attached to the payment terminal or located at a short distance from the payment terminal.
- the electronic tag includes payment method information about a payment method supported by the payment terminal, and when the payment device is in close proximity and requests the payment method information, the electronic tag may provide the payment method information to the payment device at a short distance (for example, several centimeters to several tens of centimeters). Can be.
- the payment terminal mentioned in the present specification is a payment terminal that reads track 2 information from an existing magnetic strip (MS) credit card, and a type that reads track 2 information by contacting an IC chip embedded in an existing electronic credit card.
- MS magnetic strip
- the payment device may perform short-range wireless communication with a payment terminal.
- the payment device may include a chip having a Near Field Communication (NFC) function separately embedded in a portable terminal or integrally formed with a USIM chip.
- NFC Near Field Communication
- the payment method referred to herein may refer to an app used in a mobile environment.
- the app may be referred to as a sub app called by the payment app running on the payment device.
- the sub app may refer to an app that is called by the payment app and runs on the payment device, and the sub app may be downloaded to the payment device from a card company server or an app store. Accordingly, a plurality of sub apps may be installed in a storage medium (eg, a flash memory) of the payment device, and the payment app may drive one of the sub apps supported by the payment terminal.
- a storage medium eg, a flash memory
- FIG. 1 is a conceptual diagram illustrating a payment device control method for selecting a payment method according to an embodiment of the present invention.
- a payment device control method for selecting a payment method includes a payment terminal including an electronic tag 51 in a payment device 10 having a wireless communication chip (eg, an NFC chip).
- the wireless tag 51 When near or in contact with 50, the wireless tag 51 performs short-range wireless communication (eg, NFC communication) to request payment method information from the electronic tag 51.
- the payment method information may refer to an app used for mobile payment, and in the Republic of Korea, Pay Pin, Smart Wallet, Intergrated Circuit (IC) card, and App card And the like can be mentioned.
- the electronic tag 51 includes information on payment methods that can be supported by the merchant side of the payment methods, that is, payment method information.
- the electronic tag 51 may be attached to the payment terminal 50 or located near the payment terminal 50.
- the electronic tag 51 may support all or part of a pay pin, a smart wallet, an IC card, and an app card, and includes supported payment method information.
- the payment device 10 provides wireless power to the electronic tag 51 when the electronic device 51 is close to the electronic tag 51, and the electronic tag 51 uses the wireless power to transfer the embedded payment method information to the payment device 10. Can provide.
- the payment app installed in the payment device 10 obtains payment method information from the electronic tag 51 and then displays sub-apps supported by the payment terminal 50 among the sub-apps installed in the payment device 10. ) Can be displayed.
- the display apparatus 11 may sequentially sort sub apps according to a frequency used by a user of the payment device 10 for payment.
- a sub app installed in the payment device 10 has A, B, C, and D, and the user's payment frequency is B, A, D, and C, and the order of payment amount is C, D, B, and A.
- the sub apps are sequentially displayed in the order of B, A, D, and C, according to the order of payment frequency,
- the display device 11 sequentially displays the sub apps in the order of C, D, B, and A, according to the amount of the payment amount;
- the sub app may be displayed on the display apparatus 11 according to the alphabetical order or the A B C order.
- the user of the payment device 10 may select a sub app to be used for payment among the sub apps displayed on the display apparatus 11 according to any one of 1) to 3), and the selected sub app is driven to operate the payment terminal 50.
- the card information may have a form of track 2 information or may have a form of OTC (One Time Code), and may be obtained through the card company server 100.
- OTC One Time Code
- the track 2 information may refer to credit card information according to the ISP / IEC 7813 standard.
- the track 2 information is composed of a primary account number (PAN) area, an expiration date (ED) area, a service code (SC) area, and a DD (discritionary data) area.
- PAN area includes a bank identification number (BIN) for card company identification,
- BIN bank identification number
- CVC Card Verifcation Code
- the ED area includes credit card expiration information
- SC area includes service code information
- the DD area may include additional information arbitrarily added by the card company .
- the track 2 information can be encrypted with the BIN in a public state and the rest of the PAN. Since the BIN has a public state, the track 2 information can be provided from the payment terminal 50 to the correct card company server 100. .
- the card information may be implemented in the form of a one-time card number (OTC).
- OTC one-time card number
- the one-time card number is a number randomly issued by the card company server 100 and may be used to request a payment from the payment terminal 50 to the card company server 100 using an arbitrary number corresponding to the card number of the real credit card. have.
- the BIN has the same value as the BIN of the physical card number, and the one-time card number at this time may have a structure of "any number string corresponding to the BIN + physical card number of the physical card".
- the track 2 information and the one-time card number are transmitted from the payment device 10 to the payment terminal 50 using short-range wireless communication (for example, NFC communication) or 1 at the display device 11 provided in the payment device 10.
- short-range wireless communication for example, NFC communication
- One-dimensional barcodes or QR codes displayed on the display apparatus 11 may be read using a barcode reader (not shown) that is displayed in the form of a dimensional barcode or a QR (Quick Response) code and is connected to the payment terminal 50. .
- the control unit 12 provided in the payment device 10 controls the payment device 10 as a whole and drives sub-apps installed in the payment device 10 or determines a menu touched by the driven sub-app. You can drive the menu.
- the controller 12 controls the NFC module 13 when the payment app is driven so that the NFC module 13 transmits wireless power to the electronic tag 51, and the electronic tag driven by the wireless power ( 51 may obtain the payment method information.
- the controller 12 may display the sub app available on the payment device 10 on the display apparatus 11.
- the displayed sub app may be displayed on the display apparatus 11 according to the criteria of 1) to 3) described above.
- FIGS. 2 and 3 illustrate a reference diagram for a payment device control method for selecting a payment method according to the present invention.
- the payment device control method for selecting a payment method when the payment device 10 contacts the payment terminal 50 with proximity or contacts the electronic tag 51.
- the wireless tag may be provided, the electronic tag 51 may be driven by the wireless power, and the embedded payment method information may be provided to the payment device 10.
- a payment app installed in the payment device 10 refers to the payment method information, and includes an app card, an IC card, and a pay pin.
- a sub app for one of the smart wallets and a payment process using the driven sub app.
- the payment device 10 may display, on the display apparatus 11, a sub app available from the payment device 10 among payment method information provided from the electronic tag 51.
- the sub-app according to the payment method may be displayed on the display device 11 according to the method according to each of the following.
- the payment device 10 may be displayed according to the frequency of use of the payment method used for payment.
- the payment device 10 may be displayed according to the order of the size of the amount paid.
- the display apparatus 11 shows an example in which a list of shared payment methods is displayed from the top to the bottom.
- the list of the shared payment method is based on the display from the top to the bottom of the display device 11, and the list of the shared payment method is sorted on the display device in a direction in which letters, numbers, and images are displayed on the display device. It may mean that it is aligned from the top to the bottom.
- sub-apps such as an app card 11a, IC card 11b, Pay Pin 11c and smart wallet 11d are illustrated, and the illustrated sub-apps are supported in the electronic tag 51.
- the electronic tag 51 may have the form of a QR code or may have the form of a one-dimensional barcode.
- FIG. 3 illustrates a reference view of a method in which shared payment method information mutually available in a payment device and an electronic tag is displayed on a display apparatus.
- the display apparatus 11 may include: The payment methods commonly supported by the payment device 10 and the electronic tag 51, that is, the shared payment method information may be arranged and displayed. In FIG. 3, only the A and B corresponding to the shared payment method information may be arranged and displayed on the display apparatus 11. In this state, the user of the payment device 10 may select a desired payment method by touching it.
- the payment app installed in the payment device 10 may provide payment information to the payment terminal 50 immediately without receiving a user's selection based on the priority.
- a sub app corresponding to payment method A may be used. It can be driven.
- the driving screen of the sub app may not be displayed on the interface of the payment app.
- the sub app may omit the driving screen and immediately provide card information to the payment terminal 50.
- the payment device 10 supports the payment method supported by the payment terminal 50.
- the sub app for one of these may be obtained by requesting a card company server (reference numeral “100” of FIG. 1) or an app server (App Server). This will be described with reference to FIG. 3 together.
- FIG. 4 is a reference diagram for an example of an execution screen for downloading and executing a sub app in a payment device.
- the illustrated sub app shows the interface of the PayPin service being used in the Republic of Korea, a menu for selecting a card company for payment, a card number input menu, an expiration date input menu, a CVC (Card Verification Code) input menu and a card password input. Contains a menu.
- the pay pin may process payment using information entered by the user of the payment device 10.
- FIG. 5 illustrates a reference view of another example of a sub app displayed on a display device of a payment device.
- a payment method used by the payment device 10 and the payment terminal 50 is a Pay Pin payment method, and a sub app for a user selected payment method on the display device 11 may also be paid.
- the pay pin sub app running on the payment device 10 requests and receives an authentication number from a card company server (eg, reference numeral “100” in FIG. 1), and receives the received authentication number.
- the authentication number input menu 11f and select the authentication number confirmation menu 11g the authentication number is transmitted to the card company server (for example, reference numeral “100” in FIG.
- the card company server When the authentication number is confirmed, it is transmitted by a wireless communication method (NFC communication method) to a payment terminal (for example, reference numeral “50” of FIG. 1, hereinafter omitted), or in the form of a one-dimensional barcode or QR code on the display device 11. Display on the payment terminal 50 Which it may be read by the bar code reader.
- NFC communication method NFC communication method
- the card information transmitted according to the QR code, the one-dimensional barcode or the wireless communication method may be any one of track 2 information, one time code (OTC), and encrypted track 2 information. It is not limited.
- FIG. 6 is a conceptual diagram illustrating a payment device control method for selecting a web-based payment method.
- the payment device 10 provides wireless power to the electronic tag 51 in proximity or contact with the electronic tag 51, and after the electronic tag 51 is driven by the wireless power.
- the electronic tag 51 provides the payment method information to the payment device 10.
- the payment method information may refer to an app that enables mobile payment in the payment terminal 50, and in Korea, Pay Pin, Smart Wallet, Intergrated Circuit (IC) card, and App card And the like can be exemplified.
- the payment device 10 After the payment device 10 obtains the payment method information from the electronic tag 51, the payment device 10 connects to the card company server 100 wirelessly.
- the card company server 100 determines whether a corresponding sub app available in the payment device exists in the payment method information. As a result of the determination, the card company server 100 uses the sub app supported by the payment terminal 50 among the sub apps available in the payment device. To organize your web pages.
- the web page configured in the card company server 100 generates a web page arranged according to the frequency of use of the sub apps aggregated by the card company server 100 or the order of the sub apps having the largest payment amount among the sub apps, and the generated
- the web page may be wirelessly transmitted to the payment device 10, and the payment device 10 may display the web page on the display apparatus 11 in a web page format.
- the user may select a desired sub app using the web page of the payment device 10 and drive a selected one of the embedded sub apps in the web page.
- the driving screen of the sub app is not displayed on the display device 11, but when expressing a one-dimensional barcode or QR code to be provided to the payment terminal 50 in the sub app or the authentication number to the card company server 100.
- the driving screen itself of the sub app is not displayed on the display device 11.
- the payment device 10 accesses the wireless network to the card company server 100 and requests priority setting information, and the card company server sets the priority setting information or payment device 10 previously set by the user of the payment device 10.
- the priority setting information which is ranked according to the frequency of use or the size of the payment cost of the user, may be provided to the payment device 10.
- the priority determination information may be specified in advance by the user of the payment device 10.
- the user of the payment device 10 may register a desired credit card with the card company server 100 or designate a desired sub app.
- the payment app described with reference to FIGS. 2 and 5 may have a function according to each of the following items.
- the payment app may request and obtain signature information in the form of an image from the card company server 100 and provide the payment terminal 50 to the payment terminal 50.
- the user of the payment device 10 may separately sign the payment terminal 50. You can proceed with the mobile payment without providing.
- FIG. 7 is a flowchart illustrating a payment device control method for selecting a payment method according to an embodiment of the present invention.
- the payment device 10 drives a payment app (S201), and when the payment app is driven, the payment app activates a wireless communication (for example, NFC communication) function (S202).
- the payment app may perform one or two or more of the functions of 8) to 14) described above.
- the payment app installed in the payment device 10 determines whether the electronic tag 51 exists at a short distance (for example, several centimeters to several tens of centimeters, or a contact state) after the NFC function is activated (S203). As a result of the determination, when the electronic tag 51 does not exist at a short distance, the payment app displays a payment method selection menu on the display apparatus 11 for a user-defined payment method (S205), and then user-selected payment.
- the payment information according to the method may be requested and received by the card company server 100 (S206) and provided to the payment terminal 50 (S211).
- the payment device 10 requests the payment method information from the electronic tag 51 (S204), and from the electronic tag 51 After receiving the payment method information (S207), the received payment method information may be displayed on the display apparatus 11 (S208).
- the payment method information displayed on the display apparatus 11 may be displayed according to the method of 4) to 7) described above.
- the display device 11 may display all of the list for the shared payment method. If there is only one shared payment method, the payment app does not display the payment method information on the display device 11 and runs the sub app according to the only shared payment method, and the sub app is the payment information (for example, credit card information). May be provided to the payment terminal 50. It is not limited.
- the sub-app according to the payment method that is matched among the payment methods available in the payment device 10 and the payment methods available in the payment device 10 may be driven (S209).
- the payment app the payment information to be created in the sub app according to the shared payment method (S210), or the payment information created by the sub app through the card company server 100 (for example, track 2 information, OTC) And encrypted track 2 information) may be provided to the payment terminal 50 (S211).
- the present invention allows the payment device to easily select a payment method using an electronic tag, and may contribute to the activation of a mobile payment business of financial companies such as card companies and banks that handle mobile payment.
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Abstract
Description
Claims (15)
- 디스플레이장치를 구비하는 결제 디바이스에 설치되어 구동하는 결제 앱에 의해 수행되며,
결제 단말기에서 지원하는 결제방식 정보가 기록된 전자 태그에 접근 시, 상기 전자 태그로부터 결제방식 정보를 획득하는 단계;
상기 결제방식 정보와 상기 결제 디바이스에서 지원하는 결제방식 중 매칭되는 공유 결제방식의 서브 앱을 구동하는 단계; 및
상기 서브 앱의 인터페이스를 상기 디스플레이장치에 표시하는 단계;를 포함하는 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 제1항에 있어서,
상기 결제방식 정보를 획득하는 단계 이후에 수행되며,
상기 공유 결제방식을 상기 디스플레이장치에 표시하는 단계;를 더 포함하는 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 제2항에 있어서,
상기 결제방식 정보를 획득하는 단계 이후에 수행되며,
상기 공유 결제방식 중 사용자 선택된 결제방식에 따른 서브 앱을 구동하는 단계;를 더 포함하는 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 제3항에 있어서,
상기 디스플레이장치에 표시하는 단계 이후 수행되며,
사용자 선택된 결제 방식에 따라 생성되는 결제 정보를 상기 디스플레이장치에 표시하는 단계;를 더 포함하는 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 제4항에 있어서,
상기 결제정보는,
신용카드 정보인 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 제5항에 있어서,
상기 신용카드 정보는,
ISO/IEC 7813 규격에 따른 트랙 2(Track 2) 정보인 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 제1항에 있어서,
상기 결제방식 정보를 획득하는 단계 이후에 수행되며,
상기 공유 결제방식이 복수일 때, 각 공유 결제방식들의 이용빈도 순서에 따라 정렬하여 상기 디스플레이장치에 표시하는 단계;를 더 포함하는 것을 특징으로 하는 결제 디바이스 제어방법. - 제1항에 있어서,
상기 공유 결제방식은,
상기 서브 앱의 인터페이스는 상기 디스플레이장치에 표시되지 않는 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 제1항에 있어서,
상기 공유 결제방식이 하나인 경우,
상기 결제 앱은 상기 서브 앱을 구동하여 결제 정보를 상기 결제 단말기로 제공하는 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 디스플레이장치를 구비하는 결제 디바이스에 의해 수행되며,
결제 단말기에서 지원하는 결제방식 정보가 기록된 전자 태그에 접근 시, 상기 전자 태그로부터 결제방식 정보를 획득하는 단계;
상기 전자 태그로부터 획득한 상기 결제방식 정보를 카드사 서버로 제공하는 단계; 및
상기 카드사 서버로부터 상기 결제방식 정보 중 어느 하나에 대한 결제 웹 페이지를 획득하고 이를 상기 디스플레이장치에 표시하는 단계;를 포함하는 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 제10항에 있어서,
상기 카드사 서버는,
상기 결제 디바이스에서 가용한 결제방식과 상기 전자 태그로부터 획득된 전자 결제방식 정보 중 매칭되는 공유 결제방식의 앱을 상기 결제 디바이스에서 구동하는 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 제11항에 있어서,
상기 앱은,
구동 과정이 상기 결제 앱의 인터페이스에서 노출되지 않는 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 제10항에 있어서,
상기 디스플레이장치에 표시하는 단계는,
상기 결제 방식들 중 미리 정해진 기간 동안 결제에 이용된 빈도에 따라 정렬 및 표시되는 단계인 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법.
- 제10항에 있어서,
상기 디스플레이장치에 표시하는 단계는,
상기 카드사 서버에 등록해둔 결제 방식들 중 상기 전자 태그에서 가용한 결제 방식과 매칭되는 것을 표시하는 단계인 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법. - 제10항에 있어서,
상기 디스플레이장치에 표시하는 단계는,
상기 전자 태그에서 가용한 결제 방식과 상기 카드사 서버에 등록된 사용 우선순위에 따른 결제 방식 중 매칭되는 결제 방식을 상기 사용 우선 순위에 따라 순차 표시하는 단계인 것을 특징으로 하는 결제 방식 선택을 위한 결제 디바이스 제어방법.
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- 2012-12-28 EP EP12890690.6A patent/EP2940640A4/en not_active Withdrawn
- 2012-12-28 US US14/758,433 patent/US20150339652A1/en not_active Abandoned
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Also Published As
Publication number | Publication date |
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JP2016504690A (ja) | 2016-02-12 |
KR101330962B1 (ko) | 2013-11-18 |
US20150339652A1 (en) | 2015-11-26 |
EP2940640A1 (en) | 2015-11-04 |
EP2940640A4 (en) | 2016-06-15 |
CN105074745A (zh) | 2015-11-18 |
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