KR20110068116A - Mobile communication terminal and smartcard for providing payment information and method thereof - Google Patents

Abstract

PURPOSE: A mobile communication terminal providing payment information, a smart card and method thereof are provided to enable a user to easily check the payment history information and point or coupon information by displaying payment history information to a display unit of a mobile communication terminal if payment is successfully performed. CONSTITUTION: A payment unit(124) performs payment operations of a plurality of payment devices. An integrated payment unit(122) stores information of additional payment method connected to a user ID of a mobile communication terminal. When payment operates, the integrated payment unit performs payment operation of the additional payment unit connected to the payment unit. If the payment performance is completed, a card controller(118) provides payment breakdown information. After payment is operated, the integrated payment unit updates information of the used additional payment method.

Description

MOBILE COMMUNICATION TERMINAL AND SMARTCARD FOR PROVIDING PAYMENT INFORMATION AND METHOD THEREOF}

The present invention relates to a payment service using a mobile communication terminal, and in particular, credit card information, prepaid card information and membership card information, coupon ( coupon) information, etc., and when the payment using the mobile terminal, membership discounts, points or coupons registered to the user are automatically linked to make the payment, and if the payment is successful The present invention relates to a mobile communication terminal, a smart card, and a method for providing payment information for allowing a user to easily check the payment history information by displaying the details on a display unit of the mobile communication terminal.

Recently, various advances in wireless communication services using wireless networks have been provided as computers, electronics, and communication technologies have advanced dramatically. Accordingly, a service provided by a mobile communication system using a wireless communication network is developing not only a voice service but also a multimedia communication service for transmitting data such as circuit data and packet data. It is a trend.

With this trend, mobile communication terminals such as mobile phones have become a necessity of modern people.In addition to the original function of voice call, various portable digital devices (for example, camera, MP3, memo function, etc.) It is widely used in the form of including functions as additional functions.

Meanwhile, as one of the additional functions described above, a payment function using a mobile communication terminal has been developed based on the characteristic that a mobile communication terminal such as a wallet is always carried to a user. In addition, the payment function has been tried a lot in the world, especially in Korea and Japan, and in particular, a smart card called Universal Subscriber Identity Module (USIM) As it is standardized for entry, the opportunity for mobile payment using the same smart card becomes even more active.

However, in order to make a payment with a mobile communication terminal, a plastic credit is required such as executing a payment related program on a mobile communication terminal, pressing a password, and making a payment by irradiating infrared rays or contacting a payment dongle which is an RF device. Compared with the use of the card, there was a problem that the procedure is complicated and does not provide more advanced functions.

On the other hand, since then, the prepaid mobile payment system, which can make contactless payments without any additional procedures, has been activated, which contributed to the activation of payment services using mobile communication terminals. When the payment was lost, the mobile communication terminal could not provide any additional functions and information, and various events through the mobile phone could not be applied.

In addition, in the payment service using the existing mobile terminal, only payment itself is possible, and membership, point cards, etc., which can receive discounts and accumulations at the time of payment, must be presented as a plastic card separately from the mobile terminal, or Even if it was processed as, there was an inconvenience in that the discount procedure should be performed once more regardless of payment.

Accordingly, the present invention is integrated with the credit card information, prepaid card information and membership card information, coupon information, etc. for the payment service on the mobile communication terminal, membership discount, points registered to the user at the time of payment using the mobile communication terminal Alternatively, payments are automatically linked to coupons, and when the payment is successful, the payment information is displayed on the display unit of the mobile terminal so that the user can easily check the payment history information. To provide a mobile communication terminal, a smart card and a method thereof.

The present invention as described above is a smart card mounted in a mobile communication terminal, the payment unit for performing a payment operation of a plurality of payment means, and stores the information of the additional payment means connected to the user identification information of the mobile communication terminal, An integrated payment unit for performing a payment operation of the additional payment means linked to the payment unit when performing a payment, and a card control unit for providing the payment history information when the payment is completed.

In addition, the integrated payment unit, characterized in that for updating the information of the additional payment means used in accordance with the payment, after performing the payment.

In addition, the additional payment means, characterized in that it comprises a membership discount, points or coupons.

In addition, the plurality of payment means, characterized in that it comprises a credit card or prepaid card.

In addition, the present invention is a mobile communication terminal for providing payment information, comprising a plurality of payment means, and after the payment using one of the specified payment means of the plurality of payment means, the payment history information performed payment A smart card to be generated, a display unit for displaying the payment history information, and a control unit for receiving the payment history information generated by the smart card to display through the display unit.

In addition, the smart card, the payment unit for performing a payment operation of a plurality of payment means, and stores the information of the additional payment means connected to the user identification information of the mobile communication terminal, interworking with the payment unit when performing the payment And an integrated payment unit for performing a payment operation of the additional payment means, and a card control unit for providing the payment details information when the payment is completed.

In addition, the control unit, characterized in that for displaying the payment history information in the form of a receipt of the goods.

The present invention also provides a method for providing payment information in a mobile communication terminal, the method comprising: selecting one of a plurality of payment means provided on a smart card mounted in the mobile communication terminal, and performing payment by the selected payment means; And receiving and displaying payment details received from the smart card.

The performing of the payment may include receiving the payment request, retrieving additional payment information associated with the user information that may be used for the payment upon receiving the payment request, and searching for the additional payment information. Characterized in that it comprises the step of performing the payment in association.

In addition, after the step of performing the payment, characterized in that it further comprises the step of updating the additional payment information used for payment.

In addition, the additional payment information, characterized in that it comprises a membership discount, points or coupon information.

In addition, the plurality of payment means, characterized in that it comprises a credit card or prepaid card.

In the present invention, in the payment service using the mobile terminal, after implementing the credit card information and prepaid card information, membership card information, coupon information, etc. for the payment service on the mobile communication terminal integratedly interconnected, When using the terminal, payment is not performed by simple credit or debit payment, but is automatically linked with membership discounts, points or coupons registered to the user, and payment is made when such payment is successful. Display on the display unit of the mobile communication terminal, the user can easily check the payment history information, and information such as membership discounts, points or coupons used at the time of payment has the advantage that can greatly increase the ease of use.

Hereinafter, with reference to the accompanying drawings will be described in detail the operating principle of the present invention. In the following description of the present invention, when it is determined that a detailed description of a known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. The following terms are defined in consideration of the functions of the present invention, and may be changed according to the intentions or customs of the user, the operator, and the like. Therefore, the definition should be based on the contents throughout this specification.

1 is a block diagram of a mobile communication terminal capable of displaying payment history information according to an exemplary embodiment of the present invention.

Hereinafter, an operation of each component of the mobile communication terminal of the present invention will be described in detail with reference to FIG. 1.

First, the RF unit 110 refers to a comprehensive configuration of the high frequency processing unit, the intermediate frequency processing unit and the baseband processing unit, and transmits voice and various multimedia data from an external wireless communication network received through an antenna ANT at a wireless communication band frequency. Processing is performed differentially, and the intermediate frequency processing for lowering it back to a lower frequency band, and this is processed into a signal of a frequency band that can be processed by the main control unit 108 again. The audio unit 112 modulates the voice signal input through the microphone MIC into a wireless signal under the control of the main control unit 108, and demodulates the received wireless signal and transmits it to the speaker SPK as a voice signal. The key input unit 102 includes a plurality of numeric keys, and generates corresponding key data when the user presses a predetermined key and outputs the corresponding key data to the main control unit 108.

The display unit 106 displays various information of the mobile communication terminal 100 under the control of the main control unit 108, and receives key data generated from the key input unit 102 and various information signals of the main control unit 108. Display. In addition, according to the present invention by displaying the information of the credit card payment history and membership discount, points or coupons used by the user processed by the smart card 150, the user himself or herself smart card 150 of the mobile communication terminal 100 ), You can easily check the success and payment history information.

The main control unit 108 controls the overall operation of the mobile communication terminal 100 in accordance with the operation program stored in the memory unit 104, and when the payment is performed through the smart card 150 according to an embodiment of the present invention, By receiving the payment history information and the payment of membership discounts, points or coupons used at the time of payment from the smart card 150 and controlling it to be displayed on the display unit 106, the mobile terminal user uses the smart card 150. So that you can easily check the payment history information.

The smart card 150 stores various credit card information related to a mobile communication terminal user and prepaid card information such as T cash, membership, points, and coupon information, so that the user can pay the price of the goods or the like. As a device for performing payment, the device may be implemented on a USIM card of the mobile communication terminal 100.

The smart card 150 is an interface unit 116 for interfacing data transmission / reception between the main control unit 108 and the smart card 150 of the mobile communication terminal 100, the USIM card unit 120, The integrated payment unit 122, payment unit 124, RF unit 126, memory unit 128 and the like.

The payment unit 124 is equipped with an applet capable of supporting each card for various types of credit or prepaid cards, which are payment methods registered for use by the user of the mobile communication terminal 100, and thus the user in the mobile communication terminal 100. Credit payment or prepayment through the payment method selected by the.

The integrated payment unit 122 manages various coupon information and membership card, loyalty card, etc. registered to the user of the mobile communication terminal 100, which is an additional payment method, and at the time of the credit or prepayment in the payment unit 124 Search for membership discounts, points or coupon information that can be used together with the payment method, and provide them to the payment unit 124 so that membership discounts, points or coupon information can be used during credit or prepayment.

The USIM card unit 120 supports services such as authentication, charging and accounting, and security functions of a mobile communication terminal user. The RF unit 126 performs wireless transmission / reception of information for performing credit payment between a credit inquiry terminal and a smart card 150 installed in a store for performing credit payment using the mobile communication terminal 100.

The memory unit 128 stores credit card information, an applet, a communication protocol, a card issuer, and the like of the mobile communication terminal user registered in the integrated payment unit 122 and the payment unit 124.

The controller 118 controls the overall operation of the smart card 150 using the information stored in the memory 128. That is, the controller 118 provides the user with the credit or prepaid card information registered in the payment unit 124 when making a credit payment using the mobile communication terminal 100 so as to select one card to be used as a payment method. Set the card selected as the main payment means to control the payment to be made through the corresponding card in the subsequent payment using the mobile communication terminal.

In addition, the control unit 118 refers to various membership cards, point cards, coupon information of the user registered in the integrated payment unit 122 when using the credit card or prepaid card set as described above membership discount that can be used together with the payment After searching for points or coupons, the membership discounts, points or coupons information are transmitted to the main control unit 108 of the mobile communication terminal 100 and displayed on the display unit 106, thereby allowing the user to use the membership at the time of payment. Make it easy to recognize discounts, points or coupon information.

In addition, the control unit 118 according to an embodiment of the present invention, when the payment is made as described above, the mobile terminal 100 via the interface unit 116 payment history information, the payment is performed using the membership discount, points or coupons The payment history information is transmitted to the main control unit 108 of the mobile communication terminal 100 so that the payment history information is displayed on the display unit 106 of the mobile communication terminal 100. Make it easy to see.

2 illustrates a configuration of a credit settlement system for performing a credit settlement using a mobile communication terminal according to an embodiment of the present invention.

Hereinafter, an operation of performing credit settlement during payment using a mobile communication terminal will be described in detail with reference to FIG. 2.

First, when the user of the mobile communication terminal wants to make a credit payment using the mobile communication terminal 100, the user selects one of a plurality of credit cards registered in the smart card 150. That is, when there is a key input of credit card selection from the user, the mobile communication terminal 100 receives the registered credit card information from the smart card 150 and displays it on the display unit 106, thereby allowing the user to use the credit card as a payment means. To be able to select.

As described above, when a credit card to be used as a payment means is selected, the smart card 150 sets the selected credit card as a payment means and waits for a payment request from a credit authorization terminal (CAT) 202.

In this case, a payment request may be received from the credit inquiry terminal 202 of the corresponding store through the dongle, which is an RF signal transmitter / receiver, for the item purchased by the user.

Then, the smart card 150 performs a credit payment using a credit card designated as a payment method according to the payment request. At this time, the membership discount, point or coupon information registered to the user of the mobile communication terminal 100 is searched. After checking whether there are any membership discounts, points or coupons that can be used for the above credit payment, if there are any membership discounts, points or coupons that can be used, the credit will be used to settle the credit according to the user's license. .

Accordingly, the credit inquiry terminal 202 receives the user's credit card information, membership discount, point or coupon information included in the credit payment response signal transmitted from the smart card 150 through the dongle, and the value added network Request a payment authorization for the credit card to the card company server 240 of the remote place through the network.

Then, when the payment for the credit card is normally authorized from the card company server 204, the credit inquiry terminal 202 normally performs the credit settlement using the mobile communication terminal 100, at this time of the mobile communication terminal 100 If there is membership discount, point or coupon information transmitted from the smart card 150, after performing the credit payment reflecting the membership discount, point or coupon information, the payment history information for it to the smart card 150 Send it.

As such, when receiving credit payment history information, the smart card 150 transmits the received credit payment history information to the mobile communication terminal 100 so that the payment history information 206 is displayed through the display unit 106. The user of the mobile communication terminal 100 may easily check the payment history of the credit settlement through the screen of the payment history information 206 of the display unit 106.

3 is a flowchart illustrating a signal processing flow in credit settlement between a mobile communication terminal and a credit inquiry terminal according to an exemplary embodiment of the present invention. Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 1, 2, and 3.

First, when a user of the mobile communication terminal 100 wants to make a credit payment using the mobile communication terminal 100, the user searches for a credit card registered in the smart card 150 (S300), and then enters the smart card 150. One of a plurality of registered credit cards is selected (S302). That is, when there is a key input of credit card selection from the user, the mobile communication terminal 100 receives the registered credit card information from the smart card 150 and displays it on the display unit 106, thereby allowing the user to use the credit card as a payment means. To be able to select.

Figure 4 shows an example of the payment method selection screen as described above, the user of the mobile communication terminal 100 enters the credit settlement setting screen provided by the smart card 150 as shown in Figure 4 (a) credit card Alternatively, if a prepaid card such as T cash is selected and a credit card is selected as a payment method, as shown in FIG. 4 (b), one representative credit card to check the credit card information held by the user is to be used. Will be chosen.

In this case, when the user selects, for example, the BC TOP card as the payment method, the mobile communication terminal 100 displays the screen as shown in FIG. 4C through the display unit 106 so that the BC TOP card is the payment method. Confirm that it is set.

As described above, when the selection of the payment means by the user is completed, the mobile communication terminal 100 transmits the payment means selection information to the smart card 150.

Then, the smart card 150 receives the credit card information to be used as a payment means from the mobile communication terminal 100 (S304), and set the selected credit card as a payment means to perform credit settlement in the payment unit 124 representatively. (S306).

At this time, the credit inquiry terminal 202, such as a merchandise store where the user of the mobile communication terminal 100 is located, the dongle to the smart card 150 of the mobile communication terminal 100 in response to a purchase request using the user's T cash or credit card. The payment request is made through the RF device 200, etc. (S308).

Then, the smart card 150 receives the payment request from the credit inquiry terminal 202 transmitted as described above (S310), the payment is set to the representative payment means set by the user, for example, a specific credit card, etc. In this case, it is searched through the integrated payment unit 122 to determine whether there is a membership discount, points or coupons that can be used together with the purchase of the corresponding item (S312).

At this time, if there is a membership discount, points or coupons of the registered user in the integrated payment unit 122 that can be used together with the payment of the credit card, the smart card 150 uses the information of the retrieved membership discounts, points or coupons in mobile communication. Transfer to the terminal 100 (S314) to allow the user to recognize that there are membership discounts, points or coupons that can be used with the credit card payment, whether to use the membership discount, points or coupons when paying for the credit card Wait for a response to.

Accordingly, the mobile communication terminal 100 displays the membership discount, point or coupon information transmitted from the smart card 150 on the screen of the display unit 106 (S316), and uses the corresponding membership discount, point or coupon from the user. It receives the selection information on whether or not to transmit to the smart card 150 (S318).

That is, when a payment request is received from the smart card 150, for example, the display unit 106 of the mobile communication terminal 100, as shown in (a) of FIG. The payment method is displayed. Subsequently, as shown in (b) of FIG. 5, information such as a membership discount, a point, or a coupon that can be used together with the payment is displayed, so that the user can select a membership discount, point, or coupon to be used together with the payment. In this case, membership discount, point or coupon information selected from the user is transmitted from the mobile communication terminal 100 to the smart card 150.

Then, the smart card 150 receives the information on the use of membership discounts, points or coupons from the mobile communication terminal 100, if there is a request to use the membership discounts, points or coupons, the credit card payment for the goods Municipal membership discount, points or coupons are to be used (S320). In this case, when the payment is performed using the membership discount, the point or the coupon, the payment is performed only for the remaining amount after subtracting the amount corresponding to the membership discount, the point or the coupon.

The above payment performance information is received by the RF device 200 such as a dongle through the RF unit 126 of the smart card 150 is transmitted to the credit inquiry terminal 202.

Then, the credit inquiry terminal 202 requests the payment approval to the corresponding card company server 204 of the remote place through the VAN network for the above payment performance information (S322), the normal approval for payment from the card company server 204 If there is (S324), it transmits to the smart card 150 that the payment has been approved (S326).

Accordingly, the smart card 150, the payment history information according to the credit payment using the mobile communication terminal 100, and the point or coupon information deducted according to the payment in the case of using the membership discount, points or coupon information during the credit payment Give it together (S328).

Subsequently, the smart card 150 subtracts the points used in the credit settlement for the corresponding point information registered in the integrated payment unit 122 with respect to the membership discount, the points or the coupons used in the above credit settlement (S330). For the coupon used, the coupon is deleted.

On the other hand, the mobile communication terminal 100 displays the payment history information transmitted from the smart card 150 in the form of a receipt of a general credit card use as shown in (c) of FIG. By (S332), the user can easily check the payment history information and the information, such as membership discounts, points or coupons used in the payment through the mobile communication terminal 100.

In this case, when the user confirms the payment history information displayed in the form of a receipt as described above and inputs a confirmation key, the mobile communication terminal 100 displays the payment history information confirmed by the user in FIG. As shown in the figure, while displaying the receipt in a screen such as put in a wallet to store the payment history information of the user in a certain area on the memory unit 104.

Meanwhile, according to another exemplary embodiment of the present invention, a display function of payment history information linked to a smart card may be used. Can be marked on.

That is, as shown in Figure 6, the smart card 150 through the linkage between the smart payment server and the credit card affiliate server implemented on the mobile communication system to periodically use the usage information on the credit card registered to the user After receiving and storing in the memory unit 128, when a request is received from the mobile communication terminal 100, the use of the requested credit card is provided to the mobile communication terminal 100 to display the display unit of the mobile communication terminal 100. (106) By displaying on the screen, it is possible for the user to simply check the credit card usage history information through the mobile communication terminal (100).

As described above, in the payment service using the mobile communication terminal, the credit card information and the prepaid card information, the membership card information, the coupon information, and the like for the payment service are implemented to be integrated with each other. Afterwards, the payment is made by using a mobile communication terminal, not by simple credit or debit payment, but automatically linked with membership discounts, points, or coupons registered to the user. In this case, the payment details are displayed on the display unit of the mobile communication terminal so that the user can easily check the payment details and the information such as membership discounts, points or coupons used at the time of payment.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention. Accordingly, the scope of the invention should not be limited by the described embodiments but should be defined by the appended claims.

In the present invention, in the payment service using the mobile terminal, after implementing the credit card information and prepaid card information, membership card information, coupon information, etc. for the payment service on the mobile communication terminal integratedly interconnected, When using the terminal, payment is not performed by simple credit or debit payment, but is automatically linked with membership discounts, points, or coupons registered to the user. It is expected to increase the use of the payment service using the mobile communication terminal by providing a.

In addition, by displaying the payment history information on the display unit of the mobile terminal, the user can easily check the payment history information, and information such as membership discounts, points or coupons used at the time of payment, thereby providing a visual sense of stability for card use. It is expected to increase the use of payment services using mobile terminals.

1 is a block diagram of a mobile communication terminal providing payment information according to an embodiment of the present invention;

2 is a conceptual diagram of payment using a mobile communication terminal according to an embodiment of the present invention;

3 is a signal processing flowchart for providing payment and payment history information using a mobile communication terminal according to an embodiment of the present invention;

4 is an exemplary view showing a payment method selection screen in a mobile communication terminal according to an embodiment of the present invention;

5 is a view showing a payment history information display screen in a mobile communication terminal according to an embodiment of the present invention;

6 is an exemplary view showing a credit card usage record information screen in a mobile communication terminal according to another embodiment of the present invention.

<Brief description of the major symbols in the drawings>

150: smart card 116: interface unit

118: control unit 120: USIM card unit

122: integrated payment unit 124: payment unit

126: RF section 128: memory section

Claims (12)

A smart card mounted in a mobile communication terminal, A payment unit that performs a payment operation of a plurality of payment means, An integrated payment unit configured to store information of the additional payment means connected to the user identification information of the mobile communication terminal, and perform the payment operation of the additional payment means linked with the payment unit when performing the payment; Card control unit for providing the payment history information when the payment is completed Smart card that includes. The method of claim 1, The integrated payment unit, The smart card, characterized in that for updating the information of the additional payment means used in accordance with the payment after performing the payment. The method of claim 2, The additional payment means, A smart card comprising membership discounts, points or coupons. The method of claim 1, The plurality of payment means, Smart card comprising a credit card or prepaid card. A mobile communication terminal for providing payment information, A smart card having a plurality of payment means and generating payment details after the payment is made using one of the payment means specified among the plurality of payment means; A display unit for displaying the payment history information; A control unit for receiving the payment history information generated by the smart card to display through the display unit Mobile communication terminal providing payment information comprising a. The method of claim 5, The smart card, A payment unit that performs a payment operation of a plurality of payment means, An integrated payment unit configured to store information of the additional payment means connected to the user identification information of the mobile communication terminal, and perform the payment operation of the additional payment means linked with the payment unit when performing the payment; Card control unit for providing the payment history information when the payment is completed A mobile communication terminal providing payment information comprising a. The method of claim 5, The control unit, A mobile communication terminal for providing payment information, characterized in that for displaying the payment history information in the form of a receipt of goods. As a method of providing payment information in a mobile communication terminal, Selecting one of a plurality of payment means provided on a smart card mounted on the mobile communication terminal; Performing a payment with the selected payment means; Receiving and displaying the payment history information received from the smart card Payment information providing method comprising a. The method of claim 8, Performing the payment, Receiving the payment request; Retrieving additional payment information associated with the user information that can be used for the payment upon receiving the payment request; Performing a payment in association with the found additional payment information; Payment information providing method comprising a. The method of claim 9, After the step of performing the payment, the payment information providing method further comprising the step of updating the additional payment information used for payment. 11. The method of claim 10, The additional payment information, Payment information providing method comprising the membership discount, point or coupon information. The method of claim 8, The plurality of payment means, Payment information providing method comprising a credit card or prepaid card.

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