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KR101780566B1 - Mobile device and operating method hereof - Google Patents

Mobile device and operating method hereof Download PDF

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Publication number
KR101780566B1
KR101780566B1 KR1020150185432A KR20150185432A KR101780566B1 KR 101780566 B1 KR101780566 B1 KR 101780566B1 KR 1020150185432 A KR1020150185432 A KR 1020150185432A KR 20150185432 A KR20150185432 A KR 20150185432A KR 101780566 B1 KR101780566 B1 KR 101780566B1
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KR
South Korea
Prior art keywords
mobile terminal
mode
information
payment
settlement
Prior art date
Application number
KR1020150185432A
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Korean (ko)
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KR20170075593A (en
Inventor
박진형
안세영
Original Assignee
엘지전자 주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by 엘지전자 주식회사 filed Critical 엘지전자 주식회사
Priority to KR1020150185432A priority Critical patent/KR101780566B1/en
Priority to EP16879139.0A priority patent/EP3394810A4/en
Priority to PCT/KR2016/011443 priority patent/WO2017111271A1/en
Priority to US15/353,295 priority patent/US20170185991A1/en
Publication of KR20170075593A publication Critical patent/KR20170075593A/en
Application granted granted Critical
Publication of KR101780566B1 publication Critical patent/KR101780566B1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—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
    • G06Q20/30—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/02—Services making use of location information

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Telephone Function (AREA)

Abstract

A method of operating a mobile terminal is disclosed. The method of operating a mobile terminal according to an exemplary embodiment of the present invention includes the steps of determining a payment mode of the mobile terminal and performing payment using disposable payment information if the payment mode of the mobile terminal is the first mode for general transaction And performing settlement using the fixed settlement information if the mode of the mobile terminal is the second mode for transaction with a false claim.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a mobile terminal,

The present invention relates to a mobile terminal capable of performing settlement by selectively using fixed settlement information and disposable settlement information and an operation method thereof.

As the mobile communication industry rapidly develops, mobile terminals have become a necessity for individuals. Accordingly, the mobile terminal has been gradually changed to a terminal that performs a complex function by having various additional functions as well as conventional voice communication and data communication functions.

As the society develops, various types of credit payment means such as credit cards are emerging as the payment means in various transactions are out of cash. In accordance with the development of the mobile communication business, information related to the user's credit card is transmitted to the mobile communication terminal Technology for utilizing a mobile communication terminal as a payment means has been widely proposed.

Also, in recent years, off-line payment using a mobile terminal that transmits payment information directly from a mobile terminal to a POS terminal, that is, mobile payment is widely used as well as online payment using a mobile terminal.

Meanwhile, in order to protect credit card information or personal information during offline payment using a mobile terminal, a method of generating and transmitting disposable payment information using a tokenization technique is utilized.

The off-line payment method using the disposable payment information is advantageous for security because the virtual card number is transmitted. However, since the offline settlement method using the disposable settlement information is a structure in which the disposable settlement information is changed in units of a specific time, there is a restriction that the disposable settlement information must be completed within a specific period of time from the generation of the disposable settlement information until the completion of the settlement.

Therefore, the off-line payment method using the disposable payment information has a problem in that off-line settlement using the mobile terminal is impossible in a transaction-wise transaction system in which the payment of a single payment, the payment of a false payment, .

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a mobile terminal capable of performing settlement by selectively using fixed settlement information and disposable settlement information and an operation method thereof.

The method of operating a mobile terminal according to an exemplary embodiment of the present invention includes: determining a payment mode of the mobile terminal; and determining whether to settle the payment using the disposable payment information if the payment mode of the mobile terminal is the first mode for general transaction. And performing settlement using fixed settlement information if the mode of the mobile terminal is the second mode for transaction with a false claim.

Meanwhile, the mobile terminal according to the embodiment of the present invention may include a wireless communication unit for transmitting payment information, and a payment mode of the mobile terminal, wherein the payment mode of the mobile terminal is a one- And a controller for performing settlement using the fixed settlement information if the mode of the mobile terminal is the second mode for the naked transaction.

1 is a diagram for explaining a transaction method in a self-service station.
2 is a block diagram illustrating a mobile terminal according to the present invention.
3 is a flowchart illustrating an operation method of a mobile terminal according to an embodiment of the present invention.
4 is a diagram showing an execution screen of the settlement application.
FIG. 5 is a diagram illustrating a method of outputting a notification indicating that a payment method in a company in which a mobile terminal is located is a false payment, according to an embodiment of the present invention.
6 to 12 are diagrams showing various user inputs for switching the settlement mode of the mobile terminal to the second mode in a state where the settlement mode of the mobile terminal is the first mode.
Fig. 13 is a diagram showing a display screen in the mobile terminal entering the second mode. Fig.
FIG. 14 is a diagram illustrating a mobile terminal on which a UI corresponding to a business type of a company in which the mobile terminal 100 is located, according to an embodiment of the present invention.
15A and 15B are views showing a display screen in a case where information on a company where the mobile terminal 100 is located is not stored according to the embodiment of the present invention.
16A to 16C are views showing a display screen in a case where information on a company in which the mobile terminal 100 is located is not stored, according to another embodiment of the present invention.
17A to 17C are diagrams for explaining a method for newly registering a company in which a settlement is performed in a false payment mode when information on a company in which the mobile terminal 100 is located is not stored according to another embodiment of the present invention Fig.
18 is a diagram for explaining a settlement method according to an embodiment of the present invention.
FIG. 19 is a diagram illustrating a screen displayed during settlement in the second mode according to the embodiment of the present invention.
20A and 20B are diagrams for explaining a method of indicating a payment expiration time according to an embodiment of the present invention.
FIGS. 21A to 21C are diagrams for explaining a method of operating a mobile terminal during settlement in a second mode according to an embodiment of the present invention.
22A to 22C are diagrams for explaining a method of operating the mobile terminal in the case where payment is canceled in the second mode according to the embodiment of the present invention.
23 is a flowchart for explaining an operation method of a mobile terminal according to an embodiment of the present invention.
24 is a view for explaining a method of operating a mobile terminal according to another embodiment of the present invention.
25 is a diagram for explaining a method of acquiring information on a payment method of a company in which the mobile terminal 100 is located and a method of updating information on a company in which approved payment is performed according to an embodiment of the present invention to be.
26 is a view for explaining an operation method of a mobile terminal when a transaction method of a company in which the mobile terminal is located is an authorized transaction according to an embodiment of the present invention.
27 to 28 are diagrams for explaining a method of performing a first settlement for a false transaction in the first mode according to an embodiment of the present invention.
29 is a diagram for explaining a method of acquiring information on a transaction method of a company in which a mobile terminal is located using a mobile receipt according to an embodiment of the present invention.
30 is a diagram for explaining a method of outputting a notification for inducing secondary settlement according to the embodiment of the present invention.
31 is a view for explaining a method of performing a second settlement according to a fingerprint authentication of a user according to an embodiment of the present invention.
32 is a diagram for explaining an authentication method for payment according to another embodiment of the present invention.
FIG. 33 is a diagram for explaining a method of inducing tagging of the mobile terminal 100 after the authentication for the secondary settlement is completed according to the embodiment of the present invention.
34 is a diagram for explaining a tagging method for secondary settlement according to an embodiment of the present invention.
FIGS. 35A and 35B are diagrams for explaining a method of operating the mobile terminal in the case where the user leaves the place before the secondary settlement proceeds according to the embodiment of the present invention.
36 is a diagram for explaining an operation method in a case where position information of the mobile terminal 100 can not be acquired according to the embodiment of the present invention.
37A and 37B are views for explaining a shielding apparatus according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals are used to designate identical or similar elements, and redundant description thereof will be omitted. The suffix "module" and " part "for the components used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role. In the following description of the embodiments of the present invention, a detailed description of related arts will be omitted when it is determined that the gist of the embodiments disclosed herein may be blurred. It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. , ≪ / RTI > equivalents, and alternatives.

1 is a diagram for explaining a transaction method in a self-service station.

1 shows an example of a self-service gas station, but is not limited thereto.

Specifically, in a self-service station, transactions are performed in a manner of approval approval transaction (payment by false payment, cancellation of payment with a false payment, and approval of real transaction), which can be used not only in self-service stations but also in transportation, hotels, .

In a typical card payment system, when a buyer requests payment of a card, the seller requests approval of the transaction for the payment amount by the credit card company. When the credit card company approves the transaction, the credit card company pays the payment amount to the seller. And the buyer is charged for the payment amount. Hereinafter, the general card settlement method is defined as a " general transaction method "

However, since the final settlement amount is not settled at the self-service station, when the buyer requests the card settlement, the seller requests the transaction authorization to the guarantee amount by the credit card company. If the buyer has the ability to pay the guarantee amount, The transaction is approved. If the final payment amount is confirmed, the seller requests the approval of the transaction for the final payment amount and the cancellation of the approved guarantee amount of the transaction, and the card issuer cancels the approval for the approved amount of the guarantee And the credit card payment is made by approving the transaction for the final payment amount. Hereinafter, a payment method in which a false payment, a false payment cancel, and a real transaction approval are made as in the case of a self-service gas station is defined as a "approved approval transaction method".

Meanwhile, in the payment method using the disposable payment information, the mobile terminal generates disposable payment information including a token (Token), which is a disposable virtual card number, and an authentication value linked with the payment time, and transmits the generated disposable payment information to the POS terminal . That is, the card settlement using the OTC method (One Time Card) is performed. This disposable payment information has security advantages because it uses the virtual card number.

The disposable payment information is periodically updated at specific time intervals. After a specific time elapses, new disposable payment information is generated and payment is performed using the new disposable payment information. Accordingly, in order for the payment system using the disposable payment information to be applied to the self-service station, it is necessary to complete the false payment, the payment cancellation, and the actual transaction approval within a certain time.

On the other hand, a payment method using fixed payment information in an offline settlement using a mobile terminal may also be utilized. In the payment method using fixed payment information, the mobile terminal generates fixed payment information including a fixed token and transmits the generated fixed payment information to the POS terminal. The settlement method using the fixed settlement information is somewhat weaker in terms of security than the settlement method using the disposable settlement information, but there is no restriction to be periodically updated at specific times. Therefore, There is also an advantage that it can be used in systems where approval is given. Unlike the payment method using the disposable payment information, since the specific card information is replaced with the fixed payment information corresponding to the specific card information, the settlement method using fixed settlement information is advantageous in that mileage accumulation, membership service, and field discount can be performed have.

2 is a block diagram illustrating a mobile terminal according to the present invention.

The mobile terminal 100 includes a wireless communication unit 110, an input unit 120, a sensing unit 140, an output unit 150, an interface unit 160, a memory 170, a control unit 180, And the like. The components shown in FIG. 1 are not essential for implementing a portable device, so that the portable device described in this specification can have more or less components than the components listed above.

More specifically, the wireless communication unit 110 among the above-mentioned components can communicate with the mobile terminal 100 and the wireless communication system, between the mobile terminal 100 and other portable devices, or between the mobile terminal 100 and the external server, And may include one or more modules to enable communication. In addition, the wireless communication unit 110 may include one or more modules for connecting the mobile terminal 100 to one or more networks.

The wireless communication unit 110 may include at least one of a broadcast receiving module 111, a mobile communication module 112, a wireless Internet module 113, a short distance communication module 114, and a location information module 115 .

The input unit 120 includes a camera 121 or an image input unit for inputting a video signal, a microphone 122 for inputting an audio signal, an audio input unit, a user input unit 123 for receiving information from a user A touch key, a mechanical key, and the like). The voice data or image data collected by the input unit 120 may be analyzed and processed by a user's control command.

The sensing unit 140 may include at least one sensor for sensing at least one of a watch-type mobile terminal information, a surrounding-environment information surrounding the watch-type mobile terminal, and user information. For example, the sensing unit 140 may include a proximity sensor 141, an illumination sensor 142, a touch sensor, an acceleration sensor, a magnetic sensor, A G-sensor, a gyroscope sensor, a motion sensor, an RGB sensor, an infrared sensor, a finger scan sensor, an ultrasonic sensor, A microphone 226, a battery gauge, an environmental sensor (for example, a barometer, a hygrometer, a thermometer, a radiation detection sensor, A thermal sensor, a gas sensor, etc.), a chemical sensor (e.g., an electronic nose, a healthcare sensor, a biometric sensor, etc.). Meanwhile, the mobile terminal 100 disclosed in this specification can combine and utilize the information sensed by at least two of the sensors.

The output unit 150 includes at least one of a display unit 151, an acoustic output unit 152, a haptic tip module 153, and a light output unit 154 to generate an output related to visual, auditory, can do. The display unit 151 may have a mutual layer structure with the touch sensor or may be integrally formed to realize a touch screen. The touch screen may function as a user input unit 123 that provides an input interface between the mobile terminal 100 and a user and may provide an output interface between the mobile terminal 100 and a user.

The interface unit 160 serves as a path to various types of external devices connected to the mobile terminal 100. The interface unit 160 is connected to a device having a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, And may include at least one of a port, an audio I / O port, a video I / O port, and an earphone port. In the mobile terminal 100, corresponding to the connection of the external device to the interface unit 160, it is possible to perform appropriate control related to the connected external device.

In addition, the memory 170 stores data supporting various functions of the mobile terminal 100. The memory 170 may store a plurality of application programs or applications running on the mobile terminal 100, data for operation of the mobile terminal 100, and commands. At least some of these applications may be downloaded from an external server via wireless communication. Also, at least a part of these application programs may exist on the mobile terminal 100 from the time of shipment for the basic functions (e.g., telephone call receiving function, message receiving function, and calling function) of the mobile terminal 100. The application program may be stored in the memory 170 and installed on the mobile terminal 100 and may be operated by the control unit 180 to perform the operation (or function) of the mobile terminal 100. [

In addition to the operations associated with the application program, the control unit 180 typically controls the overall operation of the portable device 100. [ The control unit 180 may process or process signals, data, information, and the like input or output through the above-mentioned components, or may drive an application program stored in the memory 170 to provide or process appropriate information or functions to the user.

In addition, the controller 180 may control at least some of the components illustrated in FIG. 1 in order to drive an application program stored in the memory 170. In addition, the controller 180 may operate at least two of the components included in the mobile terminal 100 in combination with each other for driving the application program.

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power to the components included in the mobile terminal 100. The power supply unit 190 includes a battery, which may be an internal battery or a replaceable battery.

At least some of the components may operate in cooperation with one another to implement a method of operation, control, or control of a mobile terminal according to various embodiments described below. In addition, the method of operation, control, or control of the mobile terminal may be implemented on the mobile terminal by driving at least one application program stored in the memory 170.

Hereinafter, the components listed above will be described in more detail with reference to FIG. 1 before explaining various embodiments implemented through the mobile terminal 100 as described above.

First, referring to the wireless communication unit 110, the broadcast receiving module 111 of the wireless communication unit 110 receives broadcast signals and / or broadcast-related information from an external broadcast management server through a broadcast channel. The broadcast channel may include a satellite channel and a terrestrial channel. Two or more broadcast receiving modules may be provided to the mobile terminal 100 for simultaneous broadcast reception or broadcast channel switching for at least two broadcast channels.

The mobile communication module 112 may be a mobile communication module or a mobile communication module such as a mobile communication module or a mobile communication module that uses technology standards or a communication method (e.g., Global System for Mobile communication (GSM), Code Division Multi Access (CDMA), Code Division Multi Access 2000 (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution And an external terminal, or a server on a mobile communication network established according to a long term evolution (AR), a long term evolution (AR), or the like.

The wireless signal may include various types of data depending on a voice call signal, a video call signal or a text / multimedia message transmission / reception.

The wireless Internet module 113 is a module for wireless Internet access, and may be built in or externally attached to the mobile terminal 100. The wireless Internet module 113 is configured to transmit and receive a wireless signal in a communication network according to wireless Internet technologies.

Wireless Internet technologies include, for example, wireless LAN (WLAN), wireless fidelity (Wi-Fi), wireless fidelity (Wi-Fi) Direct, DLNA (Digital Living Network Alliance), WiBro Interoperability for Microwave Access, High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE) and Long Term Evolution-Advanced (LTE-A) 113 transmit and receive data according to at least one wireless Internet technology, including Internet technologies not listed above.

The wireless Internet module 113 for performing a wireless Internet connection through the mobile communication network can be used for wireless Internet access by WiBro, HSDPA, HSUPA, GSM, CDMA, WCDMA, LTE or LTE- May be understood as a kind of the mobile communication module 112.

The short-range communication module 114 is for short-range communication, and includes Bluetooth ™, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB) Can support near-field communication using at least one of Near Field Communication, Near-Field Communication, Wi-Fi, Wi-Fi Direct, Wireless Universal Serial Bus and MST.

Here, the Magnetic Scure Transmission (MST) system is a system that converts information in the mobile terminal 100 into a magnetic field and transmits the magnetic field. For example, when the mobile terminal 100 is tagged to the POS terminal, the payment information of the mobile terminal 100 may be converted into a magnetic field and transmitted to the POS terminal.

The short-range communication module 114 is connected to the mobile terminal 100 and the wireless communication system through the wireless area networks, between the mobile terminal 100 and another mobile terminal 100, or between the mobile terminal 100 ) And the other mobile terminal 100 (or the external server). The short-range wireless communication network may be a short-range wireless personal area network.

The short-range communication module 114 may detect (or recognize) another mobile terminal that can communicate with the mobile terminal 100. The control unit 180 may transmit at least a part of the data processed by the mobile terminal 100 to the short distance communication module 114 when the other mobile terminal is an authorized device to communicate with the mobile terminal 100 according to the present invention. Lt; / RTI > to another mobile terminal. Accordingly, a user of another mobile terminal can use the data processed by the mobile terminal 100 through another mobile terminal. For example, according to the present invention, when a call is received in the mobile terminal 100, the user performs a telephone conversation with the other mobile terminal, or when a message is received in the mobile terminal 100, It is possible to confirm the received message.

The position information module 115 is a module for obtaining the position (or current position) of the mobile terminal, and a representative example thereof is a Global Positioning System (GPS) module or a Wireless Fidelity (WiFi) module. For example, when the mobile terminal utilizes the GPS module, it can acquire the position of the mobile terminal by using a signal transmitted from the GPS satellite. As another example, when the mobile terminal utilizes the Wi-Fi module, it can acquire the position of the mobile terminal based on information of a wireless access point (AP) that transmits or receives the wireless signal with the Wi-Fi module. Optionally, the location information module 115 may perform any of the other functions of the wireless communication unit 110 to obtain data relating to the location of the mobile terminal, in addition or alternatively. The location information module 115 is a module used to obtain the location (or current location) of the mobile terminal, and is not limited to a module that directly calculates or obtains the location of the mobile terminal.

Next, the input unit 120 is for inputting image information (or signal), audio information (or signal), data, or information input from a user. For inputting image information, Or a plurality of cameras 121 may be provided. The camera 121 processes image frames such as still images or moving images obtained by the image sensor in the video communication mode or the photographing mode. The processed image frame may be displayed on the display unit 151 or stored in the memory 170. [ A plurality of cameras 121 provided in the mobile terminal 100 may be arranged to have a matrix structure and various angles or foci may be provided to the mobile terminal 100 through the camera 121 having the matrix structure A plurality of pieces of image information can be input. In addition, the plurality of cameras 121 may be arranged in a stereo structure to acquire a left image and a right image for realizing a stereoscopic image.

The microphone 122 processes the external acoustic signal into electrical voice data. The processed voice data can be utilized variously according to a function (or a running application program) being executed in the mobile terminal 100. Meanwhile, the microphone 122 may be implemented with various noise reduction algorithms for eliminating noise generated in receiving an external sound signal.

The user input unit 123 is for receiving information from a user and when the information is inputted through the user input unit 123, the control unit 180 can control the operation of the mobile terminal 100 to correspond to the input information . The user input unit 123 may include a mechanical input unit (or a mechanical key such as a button located on the front / rear or side of the mobile terminal 100, a dome switch, a jog wheel, Jog switches, etc.) and touch-type input means. For example, the touch-type input means may comprise a virtual key, a soft key or a visual key displayed on the touch screen through software processing, And a touch key disposed on the touch panel. Meanwhile, the virtual key or the visual key can be displayed on a touch screen having various forms, for example, a graphic, a text, an icon, a video, As shown in FIG.

The sensing unit 140 senses at least one of information in the mobile terminal, surrounding environment information surrounding the mobile terminal, and user information, and generates a corresponding sensing signal. The control unit 180 may control the driving or operation of the mobile terminal 100 or may perform data processing, function or operation related to the application program installed in the mobile terminal 100 based on the sensing signal. Representative sensors among various sensors that may be included in the sensing unit 140 will be described in more detail.

First, the proximity sensor 141 refers to a sensor that detects the presence of an object approaching a predetermined detection surface, or the presence of an object in the vicinity of the detection surface, without mechanical contact by using electromagnetic force or infrared rays. The proximity sensor 141 may be disposed in the inner area of the mobile terminal or in proximity to the touch screen, which is covered by the touch screen.

Examples of the proximity sensor 141 include a transmission type photoelectric sensor, a direct reflection type photoelectric sensor, a mirror reflection type photoelectric sensor, a high frequency oscillation type proximity sensor, a capacitive proximity sensor, a magnetic proximity sensor, and an infrared proximity sensor. In the case where the touch screen is electrostatic, the proximity sensor 141 can be configured to detect the proximity of the object with a change of the electric field along the proximity of the object having conductivity. In this case, the touch screen (or touch sensor) itself may be classified as a proximity sensor.

On the other hand, for convenience of explanation, the act of recognizing that the object is located on the touch screen in proximity with no object touching the touch screen is referred to as "proximity touch & The act of actually touching an object on the screen is called a "contact touch. &Quot; The position at which the object is closely touched on the touch screen means a position where the object corresponds to the touch screen vertically when the object is touched. The proximity sensor 141 can detect a proximity touch and a proximity touch pattern (e.g., a proximity touch distance, a proximity touch direction, a proximity touch speed, a proximity touch time, a proximity touch position, have. Meanwhile, the control unit 180 processes data (or information) corresponding to the proximity touch operation and the proximity touch pattern sensed through the proximity sensor 141 as described above, and further provides visual information corresponding to the processed data It can be output on the touch screen. Furthermore, the control unit 180 can control the mobile terminal 100 such that different operations or data (or information) are processed according to whether the touch to the same point on the touch screen is a proximity touch or a touch touch .

The touch sensor 142 may be a touch sensor or a touch sensor that is applied to the touch screen (or the display unit 151) using at least one of various touch methods such as a resistance film type, a capacitive type, an infrared type, an ultrasonic type, Input).

As an example, the touch sensor 142 may be configured to convert a change in a pressure applied to a specific portion of the touch screen or a capacitance generated in a specific portion to an electrical input signal. The touch sensor 142 may be configured to detect a position, an area, a pressure at the time of touch, a capacitance at the time of touch, and the like where the touch target object touching the touch screen is touched on the touch sensor 142 . Here, the touch object may be a finger, a touch pen, a stylus pen, a pointer, or the like as an object to which a touch is applied to the touch sensor.

Thus, when there is a touch input to the touch sensor 142, the corresponding signal (s) is sent to the touch controller. The touch controller processes the signal (s) and transmits the corresponding data to the controller 180. Thus, the control unit 180 can know which area of the display unit 151 is touched or the like. Here, the touch controller may be a separate component from the control unit 180, and may be the control unit 180 itself.

On the other hand, the control unit 180 may perform different controls or perform the same control according to the type of the touch object touching the touch screen (or a touch key provided on the touch screen). Whether to perform different controls or to perform the same control according to the type of the touch object can be determined according to the operating state of the mobile terminal 100 of the current watch type or the running application program.

The touch sensor 142 and the proximity sensor 141 described above may be used independently or in combination to provide a short touch, a long touch, a multi touch, Touch, drag, touch, flick touch, pinch-in touch, pinch-out touch, swype touch, hovering touch And the like can be sensed in various ways.

The sensing unit 140 may include various sensing means such as a gravity sensor, a geomagnetism sensor, a gyro sensor, an acceleration sensor, an inclination sensor, an altitude sensor, a depth sensor, a gyroscope sensor, an angular velocity sensor, and a GPS sensor.

The camera 121 includes at least one of a camera sensor (for example, a CCD, a CMOS, etc.), a photo sensor (or an image sensor), and a laser sensor.

The camera 121 and the laser sensor may be combined with each other to sense a touch of the sensing object with respect to the three-dimensional stereoscopic image. The photosensor can be laminated to the display element, which is adapted to scan the movement of the object to be detected proximate to the touch screen. More specifically, the photosensor mounts photo diodes and TRs (Transistors) in a row / column and scans the contents loaded on the photosensor using an electrical signal that varies according to the amount of light applied to the photo diode. That is, the photo sensor performs coordinate calculation of the object to be sensed according to the amount of change of light, and position information of the object to be sensed can be obtained through the calculation.

The display unit 151 displays (outputs) information processed by the mobile terminal 100. For example, the display unit 151 may display execution screen information of an application program driven by the mobile terminal 100 or UI (User Interface) and GUI (Graphic User Interface) information according to the execution screen information .

The sound output unit 152 may output audio data received from the wireless communication unit 110 or stored in the memory 170 in a call signal reception mode, a call mode or a recording mode, a voice recognition mode, a broadcast reception mode, The sound output unit 152 also outputs sound signals related to functions (e.g., call signal reception sound, message reception sound, etc.) performed in the mobile terminal 100. [ The audio output unit 152 may include a receiver, a speaker, a buzzer, and the like.

The haptic module 153 generates various tactile effects that the user can feel. A typical example of the haptic effect generated by the haptic module 153 may be vibration. The intensity and pattern of the vibration generated in the haptic module 153 can be controlled by the user's selection or the setting of the control unit. For example, the haptic module 153 may synthesize and output different vibrations or sequentially output the vibrations.

In addition to vibration, the haptic module 153 may be configured to perform various functions such as a pin arrangement vertically moving with respect to the contact skin surface, a spraying force or suction force of the air through the injection port or the suction port, a touch on the skin surface, And various tactile effects such as an effect of reproducing a cold sensation using an endothermic or exothermic element can be generated.

The haptic module 153 can transmit the tactile effect through the direct contact, and the tactile effect can be felt by the user through the muscles of the finger or arm. The haptic module 153 may include two or more haptic modules 153 according to the configuration of the mobile terminal 100.

The light output unit 154 outputs a signal for notifying the occurrence of an event using the light of the light source of the mobile terminal 100. Examples of events that occur in the mobile terminal 100 may include message reception, call signal reception, missed call, alarm, schedule notification, email reception, information reception through an application, and the like.

The signal output from the light output unit 154 is implemented as the mobile terminal emits light of a single color or a plurality of colors to the front or rear surface. The signal output may be terminated by the mobile terminal detecting the event confirmation of the user.

The interface unit 160 serves as a path for communication with all external devices connected to the mobile terminal 100. The interface unit 160 receives data from an external device or supplies power to each component in the mobile terminal 100 or allows data in the mobile terminal 100 to be transmitted to an external device. For example, a port for connecting a device equipped with a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, an audio I / O port, a video I / O port, an earphone port, and the like may be included in the interface unit 160.

The identification module is a chip for storing various information for authenticating the use right of the mobile terminal 100 and includes a user identification module (UIM), a subscriber identity module (SIM) A universal subscriber identity module (USIM), and the like. Devices with identification modules (hereinafter referred to as "identification devices") can be manufactured in a smart card format. Accordingly, the identification device can be connected to the terminal 100 through the interface unit 160. [

The interface unit 160 may be a path through which power from the cradle is supplied to the mobile terminal 100 when the mobile terminal 100 is connected to an external cradle, And various command signals may be transmitted to the mobile terminal 100. The various command signals or the power source input from the cradle may be operated as a signal for recognizing that the mobile terminal 100 is correctly mounted on the cradle.

The memory 170 may store a program for the operation of the controller 180 and temporarily store input / output data (e.g., a phone book, a message, a still image, a moving picture, etc.). The memory 170 may store data on vibration and sound of various patterns outputted when a touch is input on the touch screen.

The memory 170 may be a flash memory type, a hard disk type, a solid state disk type, an SDD type (Silicon Disk Drive type), a multimedia card micro type ), Card type memory (e.g., SD or XD memory), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read memory, a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, and / or an optical disk. The mobile terminal 100 may operate in association with a web storage that performs the storage function of the memory 170 on the Internet.

Meanwhile, as described above, the control unit 180 controls the operations related to the application program and the general operation of the mobile terminal 100. [ For example, when the state of the mobile terminal meets a set condition, the controller 180 can execute or release a lock state for restricting input of a user's control command to applications.

In addition, the control unit 180 performs control and processing related to voice communication, data communication, video call, or the like, or performs pattern recognition processing to recognize handwriting input or drawing input performed on the touch screen as characters and images, respectively . Further, the control unit 180 may control any one or a plurality of the above-described components in order to implement various embodiments described below on the watch-type mobile terminal 100 according to the present invention.

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power necessary for operation of the respective components. The power supply unit 190 includes a battery, the battery may be an internal battery configured to be chargeable, and may be detachably coupled to the terminal body for charging or the like.

In addition, the power supply unit 190 may include a connection port, and the connection port may be configured as an example of an interface 160 through which an external charger for supplying power for charging the battery is electrically connected.

As another example, the power supply unit 190 may be configured to charge the battery in a wireless manner without using the connection port. In this case, the power supply unit 190 may use at least one of an inductive coupling method based on the magnetic induction phenomenon and a magnetic resonance coupling based on the electromagnetic resonance phenomenon from an external wireless power transmission apparatus Power can be delivered.

Next, a communication system that can be implemented through the mobile terminal 100 according to the present invention will be described.

First, the communication system may use different wireless interfaces and / or physical layers. For example, wireless interfaces that can be used by a communication system include Frequency Division Multiple Access (FDMA), Time Division Multiple Access (TDMA), Code Division Multiple Access (CDMA) ), Universal mobile telecommunication systems (UMTS) (in particular Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A)), Global System for Mobile Communications May be included.

Hereinafter, for the sake of convenience of description, the description will be limited to CDMA. However, it is apparent that the present invention can be applied to all communication systems including an OFDM (Orthogonal Frequency Division Multiplexing) wireless communication system as well as a CDMA wireless communication system.

A CDMA wireless communication system includes at least one terminal 100, at least one base station (BS) (also referred to as a Node B or Evolved Node B), at least one Base Station Controllers (BSCs) , And a Mobile Switching Center (MSC). The MSC is configured to be coupled to a Public Switched Telephone Network (PSTN) and BSCs. The BSCs may be paired with the BS via a backhaul line. The backhaul line may be provided according to at least one of E1 / T1, ATM, IP, PPP, Frame Relay, HDSL, ADSL or xDSL. Thus, a plurality of BSCs may be included in a CDMA wireless communication system.

Each of the plurality of BSs may comprise at least one sector, and each sector may comprise an omnidirectional antenna or an antenna pointing to a particular direction of radial emission from the BS. In addition, each sector may include two or more antennas of various types. Each BS may be configured to support a plurality of frequency assignments, and a plurality of frequency assignments may each have a specific spectrum (e.g., 1.25 MHz, 5 MHz, etc.).

The intersection of sector and frequency assignment may be referred to as a CDMA channel. The BS may be referred to as a base station transceiver subsystem (BTSs). In this case, a combination of one BSC and at least one BS may be referred to as a " base station ". The base station may also indicate a "cell site ". Alternatively, each of the plurality of sectors for a particular BS may be referred to as a plurality of cell sites.

A broadcast transmission unit (BT) transmits a broadcast signal to terminals 100 operating in the system. The broadcast receiving module 111 shown in FIG. 1 is provided in the terminal 100 to receive a broadcast signal transmitted by the BT.

In addition, a Global Positioning System (GPS) may be associated with the CDMA wireless communication system to identify the location of the mobile terminal 100. The satellite 300 aids in locating the mobile terminal 100. Useful location information may be obtained by two or more satellites. Here, the position of the mobile terminal 100 can be tracked using all the techniques capable of tracking the location as well as the GPS tracking technology. Also, at least one of the GPS satellites may optionally or additionally be responsible for satellite DMB transmissions.

The location information module 115 included in the mobile terminal is for detecting, computing, or identifying the location of the mobile terminal, and may include a Global Position System (GPS) module and a WiFi (Wireless Fidelity) module. Optionally, the location information module 115 may perform any of the other functions of the wireless communication unit 110 to obtain data relating to the location of the mobile terminal, in addition or alternatively.

The GPS module 115 calculates distance information and accurate time information from three or more satellites and then applies trigonometry to the calculated information to accurately calculate three-dimensional current location information according to latitude, longitude, and altitude can do. At present, a method of calculating position and time information using three satellites and correcting an error of the calculated position and time information using another satellite is widely used. In addition, the GPS module 115 can calculate speed information by continuously calculating the current position in real time. However, it is difficult to accurately measure the position of the mobile terminal by using the GPS module in the shadow area of the satellite signal as in the room. Accordingly, a WPS (WiFi Positioning System) can be utilized to compensate the positioning of the GPS system.

The WiFi Positioning System (WPS) is a system in which a mobile terminal 100 uses a WiFi module included in the mobile terminal 100 and a wireless AP (wireless access point) transmitting or receiving a wireless signal with the WiFi module, Is a technology for tracking a location of a wireless local area network (WLAN) using WiFi.

The WiFi location tracking system may include a Wi-Fi location server, a mobile terminal 100, a wireless AP connected to the mobile terminal 100, and a database in which certain wireless AP information is stored.

The mobile terminal 100 connected to the wireless AP can transmit the location information request message to the Wi-Fi location server.

The Wi-Fi position location server extracts information of the wireless AP connected to the mobile terminal 100 based on the location information request message (or signal) of the mobile terminal 100. The information of the wireless AP connected to the mobile terminal 100 may be transmitted to the Wi-Fi position location server through the mobile terminal 100, or may be transmitted from the wireless AP to the Wi-Fi location server.

The information of the wireless AP to be extracted based on the location information request message of the mobile terminal 100 includes a MAC address, an SSID (Service Set IDentification), a Received Signal Strength Indicator (RSSI), a Reference Signal Received Power (RSRP) Reference Signal Received Quality), channel information, Privacy, Network Type, Signal Strength, and Noise Strength.

As described above, the Wi-Fi position location server can receive the information of the wireless AP connected to the mobile terminal 100 and extract the wireless AP information corresponding to the wireless AP to which the mobile terminal is connected from the pre-established database. In this case, the information of any wireless APs stored in the database includes at least one of MAC address, SSID, channel information, privacy, network type, radius coordinates of the wireless AP, building name, Available), the address of the AP owner, telephone number, and the like. At this time, in order to remove the wireless AP provided using the mobile AP or the illegal MAC address in the positioning process, the Wi-Fi location server may extract only a predetermined number of wireless AP information in order of RSSI.

Then, the Wi-Fi location server can extract (or analyze) the location information of the mobile terminal 100 using at least one wireless AP information extracted from the database. And compares the received information with the received wireless AP information to extract (or analyze) the location information of the mobile terminal 100.

As a method for extracting (or analyzing) the position information of the mobile terminal 100, a Cell-ID method, a fingerprint method, a triangulation method, and a landmark method can be utilized.

The Cell-ID method is a method of determining the position of the mobile station with the strongest signal strength among neighboring wireless AP information collected by the mobile terminal. Although the implementation is simple, it does not cost extra and it can acquire location information quickly, but there is a disadvantage that positioning accuracy is lowered when the installation density of the wireless AP is low.

The fingerprint method collects signal strength information by selecting a reference position in a service area, and estimates the position based on the signal strength information transmitted from the mobile terminal based on the collected information. In order to use the fingerprint method, it is necessary to previously convert the propagation characteristics into a database.

The triangulation method is a method of calculating the position of the mobile terminal based on the coordinates of at least three wireless APs and the distance between the mobile terminals. (Time of Arrival, ToA), Time Difference of Arrival (TDoA) in which a signal is transmitted, and the time difference between the wireless AP and the wireless AP, in order to measure the distance between the mobile terminal and the wireless AP. , An angle at which a signal is transmitted (Angle of Arrival, AoA), or the like.

The landmark method is a method of measuring the position of a mobile terminal using a landmark transmitter that knows the location.

Various algorithms can be utilized as a method for extracting (or analyzing) the location information of the mobile terminal.

The location information of the extracted mobile terminal 100 is transmitted to the mobile terminal 100 via the Wi-Fi location server, so that the mobile terminal 100 can acquire the location information.

The mobile terminal 100 may be connected to at least one wireless AP to obtain location information. At this time, the number of wireless APs required to acquire the location information of the mobile terminal 100 may be variously changed according to the wireless communication environment in which the mobile terminal 100 is located.

In the following, various embodiments may be embodied in a recording medium readable by a computer or similar device using, for example, software, hardware, or a combination thereof.

In addition, the mobile terminal 100 may be a wearable device, and may be a watchdog mobile terminal among wearable devices.

The input unit 120 may further include a sensing unit 140 sensing a user's input to the touch screen in addition to the camera 121, the microphone 122, and the user input unit 123 described above.

3 is a flowchart illustrating an operation method of a mobile terminal according to an embodiment of the present invention.

A method of operating a mobile terminal according to an exemplary embodiment of the present invention includes acquiring information on a transaction mode in a company in which a mobile terminal is located based on at least one of coordinate information of the mobile terminal and signal information received by the mobile terminal A step S330 of outputting a notification indicating that the transaction mode of the business entity in which the mobile terminal is located is a false transaction when the transaction mode of the business entity in which the mobile terminal is located is a false transaction, (S350), and if the mode of the mobile terminal is the first mode for the general transaction, settlement is performed using the disposable payment information, and if the mode of the mobile terminal is the second mode And performing settlement using the fixed settlement information (S370).

Referring to FIG. 4, step S310 of acquiring information on a transaction mode in a company in which the mobile terminal is located based on at least one of the location information of the mobile terminal and the signal information received by the mobile terminal, .

4 is a diagram showing an execution screen of the settlement application.

When an input for executing the payment application is received, the control unit 180 can execute the payment application and display the execution screen 410 of the payment application, as shown in Fig.

The control unit 180 turns on the GPS function of the mobile terminal 100 in order to acquire information on the coordinates of the mobile terminal 100 and executes the payment application by turning on the GPS function of the mobile terminal 100 and displaying the UI 411 Can be displayed.

In this case, the control unit 180 can acquire the coordinate information of the mobile terminal 100 through the wireless communication unit 110.

The control unit 180 turns on the wireless signal receiving function of the mobile terminal 100 and displays a UI indicating that the wireless signal receiving function is activated in order to receive the wireless signal transmitted from the company in which the mobile terminal 100 is located can do.

In this case, the control unit 180 can receive the wireless signal transmitted from the company in which the mobile terminal 100 is located through the wireless communication unit 110. Here, the wireless signal transmitted from the mobile communication terminal 100 and received by the mobile communication terminal 100 may be a beacon signal, which is a wireless signal including identification information of a company where the mobile communication terminal 100 is located. The wireless signal transmitted from the mobile communication terminal 100 and received by the mobile communication terminal 100 may be a Bluetooth signal, an RFID (Radio Frequency Identification) signal, an Infrared Data Association At least one of an IrDA signal, a UWB signal, a ZigBee signal, a NFC signal, a Wi-Fi signal, a Wi-Fi direct signal, and a Wireless USB (Universal Serial Bus) One can be included.

On the other hand, based on at least one of the coordinate information of the mobile terminal 100 and the signal information received by the mobile terminal 100, the controller 180 transmits information on the payment method of the mobile terminal 100 Can be obtained.

Here, the term " business entity " may refer to a seller who provides goods or services to a card user and receives a price for the goods or services from the card company to which the card user belongs. For example, if the user of the mobile terminal 100 is fueling at a self-service station, the " business " may be a self-service station.

The control unit 180 may receive information on a vendor for which an approval payment is made from a server (not shown), and may store the received information in the storage unit 170. Herein, the information about the company to which the approval payment is made may include at least one of the coordinate information of a plurality of companies in which the approval payment is made, and the identification information of a plurality of companies in which the approval payment is made.

In this case, the control unit 180 compares the coordinate information of the mobile terminal 100 with the coordinate information of a plurality of companies in which the payment is made, thereby acquiring information on the payment method in the company in which the mobile terminal 100 is located can do. For example, when the coordinates of the current mobile terminal 100 match the coordinates of a specific one among a plurality of companies that are settled, the controller 180 determines whether the mobile terminal 100 is currently located It can be determined that the settlement is made using the method. As another example, if the coordinates of the current mobile terminal 100 do not match the coordinates of a plurality of companies for which the payment is made, the controller 180 determines whether the current location of the mobile terminal 100 uses the general payment method It can be determined that the settlement is made.

When the mobile terminal 100 receives the wireless signal including the identification information of the business entity, the control unit 180 compares the identification information of the received business entity with the identification information of a plurality of business entities for which approval payment is made, It is possible to obtain information on a payment method in a company in which the terminal 100 is located.

Meanwhile, in the above embodiment, the mobile terminal 100 has received and stored information on a company for which the approval payment is made, but the present invention is not limited thereto.

For example, when the payment application is executed, the control unit 180 may transmit at least one of the coordinate information acquired by the mobile terminal 100 and the identification information of the company received from the mobile terminal 100 to a server (not shown) have. In this case, the server (not shown) acquires information on the payment method of the company in which the mobile terminal 100 is located, using the coordinate information of a plurality of companies, 100). The server (not shown) obtains information on a payment method of a company in which the mobile terminal 100 is located, using identification information of a plurality of companies, which have been previously databaseed, 100). In this case, the mobile terminal 100 can acquire information on the payment method of the company in which the mobile terminal 100 is located by receiving the information on the payment method of the company in which the mobile terminal 100 is located from the server have.

Meanwhile, in the present embodiment, the information on the payment method of the company in which the mobile terminal 100 is located has been described, but the present invention is not limited thereto. For example, the control unit 180 may be configured to acquire information on the payment method of the POS terminal closest to the mobile terminal 100. [

Specifically, the control unit 180 receives information on the POS terminal through which the approval payment is made from the server (not shown), and stores the received information in the storage unit 170. Here, The POS information may include at least one of coordinate information of a plurality of POS terminals to which approved payment is made and identification information of a plurality of POS terminals to which approval payment is made.

In this case, the control unit 180 compares the coordinate information of the mobile terminal 100 with coordinate information of a plurality of POS terminals to which payment is made, thereby obtaining information on the payment method of the company in which the mobile terminal 100 is located Can be obtained.

When the mobile terminal 100 receives the radio signal including the identification information of the POS terminal, the controller 180 compares the received identification information of the POS terminal with the identification information of a plurality of POS terminals to which approval payment is made Thereby obtaining information on a payment method in a company in which the mobile terminal 100 is located.

When the payment application is executed, the control unit 180 may transmit at least one of the coordinate information acquired by the mobile terminal 100 and the identification information of the POS terminal received from the mobile terminal 100 to a server (not shown) . In this case, the server (not shown) uses the at least one of the coordinate information of a plurality of POS terminals, which have been approved as a database, and the identification information of a plurality of POS terminals to which approval payment is made, 100, and transmits the acquired information to the mobile terminal 100. In this case, the mobile terminal 100 can acquire information on the payment method of the POS terminal in the vicinity of the mobile terminal 100 by receiving the information on the payment method of the POS terminal in the vicinity of the mobile terminal 100 from the server .

Returning to FIG. 3, in the method of operating the mobile terminal according to the embodiment of the present invention, when the payment method of the company in which the mobile terminal is located is payment of a false payment, (Step S330).

This will be described in detail with reference to FIG.

FIG. 5 is a diagram illustrating a method of outputting a notification indicating that a payment method in a company in which a mobile terminal is located is a false payment, according to an embodiment of the present invention.

If the settlement method of the company in which the mobile terminal 100 is located is approved settlement, the control unit 180 displays a UI 510 indicating that the settlement method of the company in which the mobile terminal 100 is located is approved settlement can do.

The controller 180 may output a sound indicating that the payment method of the company in which the mobile terminal 100 is located is approved payment or that the payment method of the company in which the mobile terminal 100 is located is It is possible to output the vibration representing the approval payment.

Referring back to FIG. 3, the method of operating the mobile terminal according to the embodiment of the present invention may include a step S350 of determining a mode for the mobile terminal to perform settlement.

The mode for the mobile terminal to perform settlement may include a first mode and a second mode. Here, the first mode may be a mode for performing settlement using disposable settlement information, and the second mode may be a mode for performing settlement using fixed settlement information.

Specifically, the first mode may be a mode of generating disposable payment information including a token and an authentication value linked to the payment time, and transmitting the generated disposable payment information to the POS terminal.

Here, the disposable payment information may be payment information for a general transaction. Specifically, when the mobile terminal 100 performs the general transaction, the controller 180 generates the disposable payment information and transmits the generated disposable payment information to the POS terminal.

The second mode may be a mode of generating fixed payment information including a fixed token and transmitting the generated fixed payment information to the POS terminal.

Here, the fixed payment information may be payment information for a false transaction. In detail, when the mobile terminal 100 performs a false transaction, the controller 180 generates fixed payment information and transmits the generated fixed payment information to the POS terminal.

Here, the token is a character string generated and managed by matching with the user's card information. The token may be provided from a card management server (not shown) and stored in the storage unit 170.

Specifically, when receiving a registration request including specific card information and personal information from the mobile terminal 100, the card management server (not shown) generates a token corresponding to the specific card and the mobile terminal 100, (100). In this case, the control unit 180 may match the received token with specific card information and store the token. In this process, the card management server (not shown) can encrypt the token and transmit it to the mobile terminal 100. The mobile terminal 100 can decrypt and store the encrypted token.

The control unit 180 may determine a settlement mode for the mobile terminal 100 to perform a transaction.

Specifically, when the mobile terminal 100 receives an input from the user for selecting a mode for performing settlement, the control unit 180 determines a mode for the mobile terminal 100 to perform settlement as a mode selected by the user . For example, when an input for selecting the first mode is received, the controller 180 may determine that the mode for performing settlement is the first mode, and when an input for selecting the second mode is received, the controller 180 May determine that the mode for performing settlement is the second mode.

Meanwhile, when the mode for the mobile terminal 100 to settle is the first mode, the controller 180 receives an input for switching the mode in which the mobile terminal 100 performs settlement to the second mode, The mode of the mobile terminal can be switched to the second mode.

Specifically, the mobile terminal 100 can perform settlement in the first mode when the mobile terminal 100 does not receive an input for switching the mode for performing settlement to the second mode in a general case have. That is, the payment mode of the mobile terminal 100 may be set to the default mode, which is the first mode. In this case, the controller 180 generates the disposable payment information including the token (Token) and the authentication value linked with the payment time, and transmits the generated disposable payment information to the POS terminal.

On the other hand, when the mobile terminal 100 receives an input for switching the mode for performing settlement to the second mode, the controller 180 switches the mode for performing settlement of the mobile terminal 100 to the second mode can do. When the mode for the payment of the mobile terminal 100 is switched to the second mode, the controller 180 generates fixed payment information including the fixed token and transmits the generated fixed payment information to the POS terminal have. This will be described in detail with reference to Figs. 6 to 12. Fig.

6 to 12 are diagrams showing various user inputs for switching the settlement mode of the mobile terminal to the second mode in a state where the settlement mode of the mobile terminal is the first mode.

6, an input for switching the payment mode of the mobile terminal to the second mode in a state where the payment mode of the mobile terminal is the first mode is an input of a payment method of the approval payment The UI 510 may be an input to touch.

5, in a state in which the UI 510 indicating that the payment method in the company in which the mobile terminal 100 is located is approved payment, is displayed in a state in which the mobile terminal 100 is located, The controller 180 can switch the settlement mode of the mobile terminal from the first mode to the second mode when an input for touching the UI 510 indicating that the payment method is approved payment is received.

3, an operation method of a mobile terminal according to the present invention includes a step of receiving information on a transaction method in a business entity in which a mobile terminal is located based on at least one of coordinate information of the mobile terminal and signal information received by the mobile terminal (S330) of outputting a notification indicating that the transaction mode of the business entity in which the mobile terminal is located is a false transaction, when the transaction method in the step S310 of acquiring and the transaction method in the business entity in which the mobile terminal is located is a false transaction However, the present invention is not limited thereto. That is, a step S310 of obtaining information on a transaction mode in a company in which the mobile terminal is located based on at least one of coordinate information of the mobile terminal and signal information received by the mobile terminal, If the transaction mode is a false transaction, the payment mode of the mobile terminal is selected by simply receiving the user input without outputting the notification indicating that the transaction mode of the mobile terminal is a false transaction (S330) .

7, when an input for selecting a payment mode of the mobile terminal 100 is received from the user while the payment application is executed, the control unit 180 determines whether or not the mobile terminal 100 The mode can be determined to be the mode selected by the user.

When an input for switching the payment mode of the mobile terminal 100 to the second mode is received while the payment application is executed and the payment mode of the mobile terminal 100 is automatically set to the first mode, The mobile terminal 100 may switch the payment mode of the mobile terminal 100 to the second mode.

In this case, the input for switching the settlement mode of the mobile terminal 100 to the second mode is an input for switching the payment mode of the mobile terminal 100 to the second mode by pressing the card image 415 included in the execution screen 410 of the payment application twice tap input.

8, when a double tap input is received twice on the card image 415 included in the execution screen 410 of the payment application, the control unit 180 determines whether the payment mode Can be switched from the first mode to the second mode.

In addition, the input for switching the payment mode of the mobile terminal from the first mode to the second mode may be an input for swiping the card image included in the execution image of the payment application . 9, when an input for touching the card image 415 included in the execution screen 410 of the payment application and then swiping down is received, the control unit 180 moves The payment mode of the terminal can be switched from the first mode to the second mode.

Also, the input for switching the settlement mode of the mobile terminal to the second mode in a state that the settlement mode of the mobile terminal is the first mode may be an input for swiping the fingerprint sensor. 10, when an input for sweeping down the fingerprint sensor 1010 is received in a state where the payment application is executed, the control unit 180 sets the settlement mode of the mobile terminal to the first Mode to the second mode.

7 to 10, in a state in which the notification indicating that the transaction mode in the business entity in which the mobile terminal is located is not the approved transaction mode is not output, only the reception of the input for switching the payment mode of the mobile terminal, Is switched from the first mode to the second mode.

Often, the user is aware of what the trading method of the company they are visiting is. For example, a user who regularly goes to a self-service station may be aware that a transaction is going to be done at the self-service station.

In this case, the user can set not to output a notification indicating that the transaction mode of the business entity in which the mobile terminal is located is the approved transaction mode. In this case, the mobile terminal 100 may transmit the coordinate information of the mobile terminal, A step S310 of obtaining information on a transaction mode in a company in which the mobile terminal is located based on at least one of the signal information transmitted from the mobile terminal and the signal information transmitted from the mobile terminal, The billing mode of the mobile terminal is switched from the first mode to the second mode by only receiving the input for switching the billing mode of the mobile terminal without outputting a notification indicating that the transaction method at the located company is a false transaction You can switch.

Meanwhile, when an input for switching the settlement mode of the mobile terminal 100 from the first mode to the second mode is received, there may be a case where a transaction is made in a false transaction mode in a company in which the mobile terminal 100 is located However, there may be cases where a transaction is made by a general transaction type rather than an approved transaction type.

In this case, the mobile terminal 100 may indicate that the user of the mobile terminal 100 can recognize whether or not the transaction is performed in the approval transaction mode.

Specifically, the control unit 180 obtains information on a transaction method in a company in which the mobile terminal 100 is located, based on at least one of coordinate information of the mobile terminal 100 and signal information received by the mobile terminal 100 .

11, the card image 415 included in the execution screen 410 of the payment application is pressed twice (in the example of FIG. 11) the controller 180 may display the UI 1110 indicating that the transaction type of the company in which the mobile terminal 100 is located is a false transaction.

On the other hand, when an input for selecting the UI 1110 indicating that the transaction mode of the mobile terminal 100 is a futile transaction is received, the control unit 180 transmits the payment mode of the mobile terminal 100 to the second mode Mode.

On the other hand, when the transaction method in the company in which the mobile terminal 100 is located is the general transaction type rather than the approved transaction type, the card image 415 included in the execution screen 410 of the payment application application is double tap The control unit 180 may not display the UI 1110 indicating that the transaction mode of the company in which the mobile terminal 100 is located is a false transaction. As another example, if the double tap input of the card image 415 included in the execution screen 410 of the payment application is received, the control unit 180 determines that the approval transaction is not performed in the company where the mobile terminal is currently located Can be displayed.

Meanwhile, in the present embodiment, information on a transaction method in a company in which the mobile terminal 100 is located is acquired first, and a transaction type in a company in which the mobile terminal 100 is located is received The UI 1110 indicating that the transaction is a futile transaction is displayed, but the present invention is not limited thereto.

For example, when an input for switching the settlement mode of the mobile terminal 100 from the first mode to the second mode is received, the controller 180 determines whether a transaction mode of the mobile terminal 100 exists And displays the UI 1110 indicating that the transaction mode of the company in which the mobile terminal 100 is located is a false transaction if the transaction mode in the company in which the mobile terminal 100 is located is the approved transaction mode Or the like.

Meanwhile, the input for switching the settlement mode of the mobile terminal to the second mode in a state where the settlement mode of the mobile terminal is the first mode may be an input for shaking the mobile terminal 100. 12, in a state where the payment application is executed, when the input for shaking the mobile terminal 100 twice through the left and right is sensed through the sensing unit 140, the controller 180 controls the mobile terminal 100 100 can be switched from the first mode to the second mode.

6 to 12, the settlement mode of the mobile terminal 100 is determined according to the input received from the user, but the present invention is not limited thereto.

For example, the control unit 180 may determine the payment mode of the mobile terminal 100 based on the information on the transaction mode of the mobile terminal. More specifically, as described with reference to FIG. 4, based on at least one of the coordinate information of the mobile terminal 100 and the signal information received by the mobile terminal 100, If the payment method of the company in which the mobile terminal 100 is located is the approved payment method, the control unit 180 may set the settlement mode of the mobile terminal 100 to be false, It can be determined to be the second mode.

4, the mobile terminal 100 receives a radio signal transmitted from a company in which the mobile terminal 100 is located, and transmits the radio signal to the mobile terminal 100 using the identification information of the company included in the received radio signal. However, the present invention is not limited to this. For example, in a specific POS terminal, a radio signal for performing settlement can be transmitted in cooperation with the mobile terminal 100. The mobile terminal 100 receives a radio signal transmitted from a specific POS terminal, Can be obtained.

Fig. 13 is a diagram showing a display screen in the mobile terminal entering the second mode. Fig.

If the payment mode of the mobile terminal 100 is determined to be the second mode for payment, the controller 180 may settle the payment in the payment mode. In addition, the controller 180 may display a UI 1310 indicating that the current payment mode is the second mode for payment with a false payment.

5, if the transaction type in the company in which the mobile terminal 100 is located is an approved transaction, the UI 510 indicating that the transaction type in the company in which the mobile terminal 100 is located is an approved transaction Displayed.

However, the present invention is not limited thereto. If the transaction type in the company where the mobile terminal 100 is located is an approved transaction, the control unit 180 can display a UI related to the company in which the mobile terminal 100 is located.

This will be described in detail with reference to Figs. 14 to 17C.

FIG. 14 is a diagram illustrating a mobile terminal on which a UI corresponding to a business type of a company in which the mobile terminal 100 is located, according to an embodiment of the present invention.

When the mobile terminal 100 performs the settlement in the second mode for the approval transaction, the controller 180 may store information on the company where the mobile terminal 100 is located in the storage unit 170. Here, the information on the company where the mobile terminal 100 is located may include information on a business type of the company where the mobile terminal 100 is located. For example, when the user of the mobile terminal 100 visits the self-service station, the information stored in the storage unit 170 may include information on the type of business where the mobile terminal 100 is located (gas station) Information.

If the user of the mobile terminal 100 visits the same self-service station again, that is, if the location of the mobile terminal 100 is the same as the location stored in the storage unit 170, Can be displayed on the UI 1410 corresponding to the business type of the business entity in which the business is located.

Meanwhile, the UI 1410 corresponding to the business type of the company where the mobile terminal 100 is located may be displayed when the payment application is executed, or may be displayed when the payment mode of the mobile terminal 100 is determined to be the second mode for payment May be displayed.

15A and 15B are views showing a display screen in a case where information on a company where the mobile terminal 100 is located is not stored according to the embodiment of the present invention.

If the settlement mode of the mobile terminal 100 is determined to be the second mode for a transaction with a falsehood and the company corresponding to the current location of the mobile terminal 100 is not stored in the storage unit 170, As described above, the controller 180 can display a UI 1510 for designating a company where the mobile terminal 100 is currently located.

Here, the UI 1510 for designating a company in which the mobile terminal 100 is located may include items 1511 and 1512 for the business type in which settlement is performed in a false transaction mode, and the mobile terminal 100 The UI 1510 for specifying the business type of the company located may include an item 1513 for newly registering a company that is settled in the futile transaction mode.

On the other hand, when an input for selecting an item for a specific business category is received from among the items 1511 and 1512 for the business type in which the transaction is performed by the futile transaction model, the control unit 180 determines whether the current location information of the mobile terminal 100, May be stored in the storage unit 170. FIG. In addition, the control unit 180 may control the display unit 151 to display information on a specific business type.

For example, as shown in FIG. 15A, when a gas station of a "hotel" or a "gas station" in which payments are settled by a single payment method is selected, the controller 180 determines whether the current location of the mobile terminal 100 Information indicating that the mobile terminal 100 is at the gas station, and can display the information 1520 " gas station " as shown in Fig. 15B.

On the other hand, when the user of the mobile terminal 100 returns to the same gas station at a later time, based on the location information of the mobile terminal 100 stored in the storage unit 170 and the information on the business type corresponding to the specific item, The UI 180 may display a UI corresponding to the business type of the business entity where the mobile terminal 100 is located.

16A to 16C are views showing a display screen in a case where information on a company in which the mobile terminal 100 is located is not stored, according to another embodiment of the present invention.

If the payment mode of the mobile terminal 100 is determined to be the second mode for payment and the company corresponding to the current location of the mobile terminal 100 is not stored in the storage unit 170, As described above, the control unit 180 can display the icons 1610, 1620, and 1630 corresponding to a plurality of types of businesses in which the winning payment is made.

On the other hand, as shown in FIG. 16B, an icon 1610 corresponding to a specific business category among the icons 1610, 1620, and 1630 corresponding to a plurality of business types in which the futile transaction is performed is selected, The control unit 180 may store the current location information of the mobile terminal 100 and the information on the specific business type in the storage unit 170. When the drag and drop operation is performed on the card image 415, In this case, as shown in FIG. 16C, the control unit 180 can display an icon 1610 corresponding to a specific business type on the card image 415 in a superimposed manner.

On the other hand, when the user of the mobile terminal 100 returns to the same gas station at a later time, the controller 180, based on the location information of the mobile terminal 100 stored in the storage unit 170 and information on the specific industry, It is possible to display an icon corresponding to the business type of the company in which the mobile terminal 100 is located. In this case as well, the controller 180 can display an icon 1610 corresponding to a specific business type on the card image 415, as shown in Fig. 16C.

17A to 17C are diagrams for explaining a method for newly registering a company in which settlement is performed in the false transaction mode when information on a company in which the mobile terminal 100 is located is not stored according to another embodiment of the present invention Fig.

As shown in FIG. 15A, in a state in which a UI 1510 for designating a company in which the mobile terminal 100 is located is displayed, as shown in FIG. 17A, 17B, the controller 180 displays an input window 1710 for newly registering a company to be settled in a payment method of a false payment, as shown in FIG. 17B .

Meanwhile, as shown in FIG. 17C, when the user inputs information about a payment settlement method, the controller 180 determines whether a new registration item 1514 is added to the mobile terminal 100 May be displayed on the UI 1510.

14 to 17, information about a company whose payment is settled by the first payment method is stored in the mobile terminal 100, and when the user subsequently visits the same place, information in the mobile terminal 100 The information corresponding to the company whose settlement is carried out by the first payment method is displayed. However, the present invention is not limited thereto.

For example, the information may be stored in an information server (not shown) for a company whose settlement is performed by a payment method of a false payment. Here, the server (not shown) may be a server that stores the location information of the card merchant and the card merchant, which are settled in a payment method, as a database.

Specifically, the control unit 180 may transmit the current location information of the mobile terminal 100 to a server (not shown). Here, the location information of the mobile terminal 100 may include at least one of coordinate information of the mobile terminal 100 and signal information received from the mobile terminal 100.

Meanwhile, the server (not shown) receiving the location information of the mobile terminal 100 may search the database and transmit information on the company corresponding to the location information of the mobile terminal 100 to the mobile terminal 100 .

In this case, if the settlement mode of the mobile terminal 100 is determined to be the second mode, the controller 180 controls the display unit 151 to display information on the vendor corresponding to the location information of the mobile terminal 100 .

On the other hand, when the business entity in which the mobile terminal 100 is located is not registered in the company or in the database on the server (not shown) where transactions are performed by the approval transaction method, the control section 180, as described in FIG. 15A or 16B , Location information of the mobile terminal 100, and information on the company where the mobile terminal 100 is located, to a server (not shown). In this case, the server (not shown) can register the new company in the database using the information received from the mobile terminal 100.

Returning to FIG. 3, the method of operation of the mobile terminal according to the embodiment of the present invention performs settlement using the disposable payment information if the mode of the mobile terminal is the first mode for general transaction, And performing settlement using the fixed settlement information if the second mode is the approval transaction (S370). This will be described in detail with reference to FIG.

18 is a diagram for explaining a settlement method according to an embodiment of the present invention.

A fingerprint sensor 1010 may be mounted on the mobile terminal 100. When a user's finger is touched by the fingerprint sensor 1010, the controller 180 may recognize the fingerprint of the touched finger. In addition, when the fingerprint of the recognized finger coincides with the previously registered fingerprint, the control unit 180 can perform settlement.

On the other hand, when the payment mode of the mobile terminal is the first mode for general payment, the controller 180 can perform payment using the disposable payment information.

Specifically, when the authentication through the fingerprint is completed, the control unit 180 can generate the disposable payment information. Here, the disposable payment information may include a disposable token and an authentication value associated with the payment time.

Here, the disposable token is a virtual card number replacing the actual card number of the card used at the time of payment, and can be provided from the card issuer server. The authentication value may be provided from a card issuer server as a virtual authentication value that replaces an actual card number authentication value (CVV).

On the other hand, the controller 180 may store the disposable token and the authentication value in the storage unit 170. In this case, the disposable token and the authentication value can be stored in the independent security area in the storage unit 170. [

Meanwhile, the disposable token and the authentication value stored in the storage unit 170 may be used by the controller 180 to generate the disposable payment information including the disposable token and the authentication value associated with the one-time fingerprint authentication.

When the mobile terminal 100 is tagged to the POS terminal by the user, the controller 180 may transmit the generated disposable payment information to the POS terminal.

On the other hand, when the payment mode of the mobile terminal is the second mode for payment of a false payment, the controller 180 can perform payment using the fixed payment information.

Specifically, when the authentication through the fingerprint is completed, the control unit 180 can generate the fixed payment information including the fixed token. Here, the fixed token is a virtual card number replacing the actual card number of the card used at the time of payment, and can be provided from the card issuer server.

However, unlike the disposable token that must be transmitted to the card issuer server (not shown) within a predetermined time from the generation time and updated when a predetermined time elapses, the fixed token can have a fixed value irrespective of the generation time. However, the present invention is not limited to this. The fixed token may be updated in units of a specific period (for example, on a day-by-day basis), and after settlement is performed using the fixed payment information including the fixed token, It may be updated and a new fixed token may be stored. On the other hand, the fixed settlement information may be information in which the fixed token is combined with another authentication value.

On the other hand, the control unit 180 may store the fixed token in the storage unit 170. In this case, the fixed token may be stored in the independent security area in the storage unit 170. [

Meanwhile, using the fixed token stored in the storage unit 170, the control unit 180 can generate fixed payment information including the fixed token and the authentication value.

When the mobile terminal 100 is tagged to the POS terminal by the user, the controller 180 may transmit the generated fixed payment information to the POS terminal through the wireless communication unit 110. [

Meanwhile, when the mobile terminal 100 is tagged on the POS terminal by the user, NFC (Near Field Communication) communication may be used for communication between the mobile terminal 100 and the POS terminal. In this case, Field Commu- nication) -based communication. However, the present invention is not limited to this, and disposable payment information or fixed payment information may be transmitted between the mobile terminal 100 and the POS terminal using a magnetic security transmission method (MST method).

FIG. 19 is a diagram illustrating a screen displayed during settlement in the second mode according to the embodiment of the present invention.

If the authentication through the fingerprint is completed and the settlement proceeds in the second mode, the controller 180 may display a UI indicating that the settlement is proceeding in the second mode.

Specifically, the controller 180 may display an icon 1910 corresponding to a company in which the mobile terminal 100 is located, as shown in FIG.

In addition, the controller 180 may display a pop-up window 1920 indicating that payment is in progress at a company where the mobile terminal 100 is located.

In addition, when the authentication through the fingerprint is completed, the control unit 180 can display and change the color of the execution screen 410 of the payment application. In this case, the control unit 180 can display only the color image of the region other than the background image 417, that is, the region of the card image 415, among the execution screens 410 of the application.

20A and 20B are diagrams for explaining a method of indicating a payment expiration time according to an embodiment of the present invention.

The time from when the user of the mobile terminal 100 is authenticated by touching the finger of the user to the fingerprint sensor 1010 to when the mobile terminal 100 is tagged on the POS terminal and the payment information is transmitted to the POS terminal, Should be. Meanwhile, if the payment information is not transmitted to the POS terminal within a predetermined time, the user must touch the fingerprint sensor 1010 again to re-authenticate. That is, a time point at which a specific time elapses from when the user of the mobile terminal 100 is authenticated is referred to as a payment expiration time.

When the user of the mobile terminal 100 is authenticated, the control unit 180 can display that the settlement expiration time is approaching by changing the color of the execution screen 410 of the payment application. Specifically, when the user of the mobile terminal 100 is authenticated, the control unit 180 can display the application execution screen 410 in the first color, and the control unit 180 can also display the execution screen 410 of the application And display the progress screen 410 progressively changing from the first color to the second color. In addition, the controller 180 can display the application execution screen 410 in the second color when the expiration time expires.

On the other hand, the control unit 180 may display only the background image 417 of the execution screen 410 of the application, that is, the color object of other areas except the area of the card image 415, gradually change.

FIGS. 21A to 21C are diagrams for explaining a method of operating a mobile terminal during settlement in a second mode according to an embodiment of the present invention.

When the authentication through the fingerprint is completed, the settlement proceeds in the second mode. During the settlement in the second mode, the controller 180 may display a UI indicating that the settlement is proceeding in the second mode.

Specifically, the control unit 180 can display the second card image 419 in a superimposed manner on the card image 415 displayed on the execution screen of the application, as shown in Fig. 21A. On the other hand, the control unit 180 can display the second card image 419 as an inclined card image.

On the other hand, as shown in FIG. 21B, when the settlement is completed, the controller 180 can display the rotated second card image 419 so as to overlap with the card image 415. FIG. As a result, the control unit 180 can display one card image 421 in which the card image 415 and the second card image 419 are completely overlapped, as shown in Fig. 21C.

When payment is completed, that is, when the fixed payment information is transmitted to the POS terminal by tagging the POS terminal with the mobile terminal 100, the POS terminal transmits the fixed payment information and the information about the guaranteed amount to the credit card company server (not shown) Can be transmitted. In this case, the card company server (not shown) can compare the fixed token included in the fixed payment information and the token held by the card issuer server (not shown), and approve the transaction (the approved transaction) . On the other hand, when the user completes the gas filling and the actual transaction amount is confirmed, the POS terminal cancels the transaction (the approval transaction) with the guarantee amount and the approval of the transaction amount (the transaction approval) with the card company server And the credit card company server (not shown) can cancel the transaction (the approved transaction) with respect to the guaranteed amount and approve the actual transaction amount (the real transaction approval) and finally notify the mobile terminal 100 of the transaction amount.

Meanwhile, the fixed payment information may include location information of the mobile terminal 100. Specifically, the controller 180 may acquire position information of the mobile terminal 100 based on at least one of the coordinate information of the mobile terminal 100 and the signal information received by the mobile terminal 100.

Meanwhile, when authentication of the user of the mobile terminal 100 through the fingerprint is completed, the controller 180 may generate fixed payment information including the fixed token and the location information of the mobile terminal 100. In addition, when the mobile terminal 100 is tagged to the POS terminal, the controller 180 may transmit the fixed payment information including the fixed token and the location information of the mobile terminal 100 to the POS terminal.

In this case, on the side of the card company server (not shown), the fixed token included in the fixed payment information and the location information of the mobile terminal 100 are stored in the token held by the card company server (not shown) The transaction requested by the mobile terminal 100 can be approved.

Specifically, the card issuer server (not shown) can store the location information of a company, which is settled in a payment method, in a database as a database. More specifically,

The card issuer server (not shown) can store at least one of the coordinate information of the company that is settled by the payment method that is the false payment method and the identification information that is included in the wireless signal transmitted by the company that is settled by the payment method that is the false payment method .

In this case, the card company server (not shown) can compare the fixed token included in the fixed settlement information with the token held by the card company server (not shown) to determine whether or not the token matches. Also, the card issuer server (not shown) can compare the position information of the mobile terminal 100 with the position information of the company that is settled by the payment method, and judge whether or not the position information matches.

In addition, the card company server (not shown) matches the token held by the card company server (not shown) on the fixed token included in the fixed settlement information, and the position of the mobile terminal 100 is held by the card company server The mobile terminal 100 can approve the transaction requested by the mobile terminal 100 if the mobile terminal 100 coincides with one of the locations of the plurality of companies where payment is made.

On the other hand, the fixed token can be updated when payment is completed.

Specifically, the location information of the mobile terminal 100 can be obtained based on at least one of the coordinate information of the mobile terminal 100 and the signal information received by the mobile terminal 100, as described above.

In this case, based on at least one of the coordinate information of the mobile terminal 100, the signal information received by the mobile terminal 100, and the information about the motion of the mobile terminal 100, Or more. For example, when the mobile terminal 100 moves over a specific distance based on the coordinates of the mobile terminal 100, the controller 180 determines that the mobile terminal 100 is out of the threshold . As another example, when the wireless signal received by the mobile terminal 100 is received as a signal of a smaller size than a signal received at a position where payment is performed, or a wireless signal received at a position where payment is performed is no longer received The control unit 180 may determine that the mobile terminal 100 is out of the threshold value or more from the position where the payment is performed.

As another example, the controller 180 can determine that the position of the mobile terminal 100 is out of the threshold value or more by sensing the movement of the mobile terminal 100 through the sensing unit 140.

In this case, the control unit 180 can update the fixed token. That is, the control unit 180 may discard the previously used fixed token and store the new fixed token in the independent security area in the storage unit 170. [ In this case, a new fixed token may be provided from a server (not shown).

Then, it can be used in a false payment next to a new fixed token stored in the storage unit 170 (hereinafter referred to as a second fixed token). That is, when the second settlement is performed in the second mode for pay-per-view payment, the controller 180 generates the second fixed settlement information including the second fixed token, Lt; / RTI > When the second settlement is canceled or the second settlement is completed, the control unit 180 may discard the used second token and store the third token, which is a new fixed token, in an independent security area in the storage unit 170 .

As described above, according to the present invention, in the second mode for the false transaction, by using the fixed payment information instead of the disposable payment information changed in accordance with the passage of time, the mobile payment can be made even in a company in which the approval transaction is performed .

In addition, the present invention does not always use only the fixed settlement information, but rather, in the first mode for general settlement, the settlement using the disposable settlement information is performed, , The security of mobile settlement can be further improved.

In addition, the present invention can further improve security by performing settlement using not only a fixed token but also fixed settlement information in which the fixed token and the location information of the mobile terminal are combined. Specifically, the card issuer server (not shown) approves the transaction using the fixed token as well as the location information of the mobile terminal. In the case of a company that does not make a false payment, payment using the fixed payment information is not approved. In other words, only a company in which approval approval payment is performed can be made to perform payment using a fixed token.

In addition, the present invention can prevent the weakening of the security due to the continuous use of the same token by updating the fixed token based on the positional change of the mobile terminal, while using the fixed settlement information. That is, according to the present invention, a token is not updated on a time-by-hour basis, but a fixed-token used by a company in which an authorized payment is performed is updated based on a change in the position of the mobile terminal Security can also be improved.

In addition, according to the present invention, in the second mode for authorization approval payment, when the settlement is completed, the fixed token is updated in advance and stored, thereby shortening the time required for generating settlement information at the time of approval approval.

22A to 22C are diagrams for explaining a method of operating the mobile terminal in the case where payment is canceled in the second mode according to the embodiment of the present invention.

FIG. 22A is a view showing a display screen of a mobile terminal in progress in a second mode. FIG.

During the settlement in the second mode, the settlement may be canceled rather than the settlement being completed.

For example, the fixed payment information may include the location information of the mobile terminal 100, and the server (not shown) may determine whether to approve the transaction using the location information of the mobile terminal included in the fixed payment information.

In this case, payment can be canceled when the mobile terminal 100 moves from the place where the fixed settlement information is generated by a threshold value or more.

The controller 180 controls the operation of the mobile terminal 100 based on at least one of the coordinate information of the mobile terminal 100, the signal information received by the mobile terminal 100, It can be judged that the position of the target is out of the threshold value or more.

On the other hand, if the position of the mobile terminal 100 deviates by more than the threshold value, since the position of the mobile terminal 100 is changed and the fixed payment information is also changed, the fixed payment information already generated can not be used any more.

Therefore, if the position of the mobile terminal 100 is out of the threshold value, the controller 180 can cancel the payment performed by the mobile terminal 100.

As described above, according to the present invention, when the user moves the location after the fixed settlement information is generated, the settlement is stopped so that the user generates fixed payment information by authentication using the fingerprint and then moves to another company to make settlement .

On the other hand, if the settlement expiration time elapses in a state where the fixed settlement information is not transmitted to the POS terminal, the control unit 180 can cancel the payment performed by the mobile terminal 100. [

On the other hand, if the payment performed by the mobile terminal 100 is canceled, the control unit 180 can display and change the color of the execution screen 410 of the payment application, as shown in FIG. 22B. In addition, the controller 180 may display a pop-up window 2210 indicating that the payment has been canceled.

On the other hand, when payment is canceled, the control unit 180 can update the fixed token. Specifically, the control unit 180 may discard the previously used fixed token and store the new fixed token in an independent security area in the storage unit 170. [

On the other hand, when the settlement is canceled, the previously used fixed token is discarded and a new fixed token is stored. Therefore, in order for the user to make the settlement again, generation of new fixed settlement information is required. That is, when the user is authenticated again through the fingerprint, the control unit 180 generates new fixed payment information including a new fixed token, and can perform settlement using the new fixed payment information.

As described above, according to the present invention, when the settlement is canceled, the fixed token is updated while using the fixed settlement information, so that the weakness of the security due to the continuous use of the same token can be prevented.

On the other hand, if the payment performed by the mobile terminal 100 is canceled, the controller 180 may terminate the payment application and display the base screen 2230 of the mobile terminal 100, as shown in FIG. 22C.

23 is a flowchart for explaining an operation method of a mobile terminal according to an embodiment of the present invention.

When the payment application is executed, payment can be started (S2305). The payment application may be executed by user input, but may be executed automatically based on the location information of the mobile terminal 100. [

On the other hand, authentication for settlement can be performed (S2310). In general, a user of the mobile terminal 100 is authenticated through fingerprint recognition, but not limited thereto, and can be authenticated by all authentication means capable of authenticating a user of the mobile terminal 100. [

On the other hand, if the user of the mobile terminal 100 is not authenticated, payment may be terminated (S2385).

Meanwhile, if the user of the mobile terminal 100 is authenticated, the mobile terminal 100 may proceed to step S2320 to perform false payment according to the payment mode of the mobile terminal 100, or may proceed to step S2370 to perform general payment (S2315).

Meanwhile, when the payment mode of the mobile terminal 100 is the second mode for payment of a false payment, the mobile terminal 100 can acquire the location information of the mobile terminal 100 (S2320).

Then, the mobile terminal 100 may generate fixed settlement information including a fixed token (S2325). The fixed payment information may include not only the fixed token but also the location information of the mobile terminal 100. The fixed payment information may be a combination of the fixed token number and the number corresponding to the location of the mobile terminal 100. [ In addition, the fixed settlement information may include settlement time information.

When the fixed payment information is generated, the mobile terminal 100 may monitor the location of the user (S2330). In this case, the mobile terminal 100 may receive at least one of the coordinate information of the mobile terminal 100, the signal information received by the mobile terminal 100, and information on the movement of the mobile terminal 100 sensed through the sensing unit 140 The location of the user of the mobile terminal 100 can be monitored using one.

Meanwhile, when the mobile terminal 100 is tagged to the POS terminal, the fixed payment information may be transmitted from the mobile terminal 100 to the POS terminal. In this case, the POS terminal that has received the fixed settlement information may transmit the fixed settlement information to the card company server (S2335). On the other hand, if the position of the mobile terminal 100 is changed by more than the threshold value, the payment is canceled and the fixed token can be updated and stored (S2345).

Meanwhile, the card company server can approve the transaction using the received fixed payment information. Specifically, the card company server compares the fixed token included in the received fixed payment information with the token held in the card company server, and compares the location information of the mobile terminal 100 included in the fixed settlement information with the location information held in the card company server And can approve the transaction requested by the mobile terminal 100 (S2340).

Here, the approved transaction may be a payment which is a false claim against the security deposit. On the other hand, if the actual transaction amount is confirmed after the approved payment is approved, the POS terminal can request the card company server to cancel the authorized payment and approve the actual transaction amount. In this case, the card company server can cancel the false payment and approve the transaction on the actual transaction amount.

On the other hand, when the location information of the mobile terminal 100 included in the fixed settlement information is different from the location information held by the card issuer server, the card issuer server may reject the transaction (S2340). In this case, , The mobile terminal 100 that has received the transaction approval disallowed message can cancel the payment and update the fixed token (S2345). Also, the mobile terminal 100 may stop monitoring the position of the mobile terminal 100 (S2350).

On the other hand, when the first payment, the second payment, and the transaction approval are completed, the card company server can transmit the transaction completion message to the mobile terminal 100, and the settlement is completed (S2355).

The mobile terminal 100 determines whether the position of the mobile terminal 100 is changed by a threshold or more (S2360), and updates the fixed token when the position of the mobile terminal 100 is changed by a threshold value or more (S2365) . Also, the mobile terminal 100 may stop monitoring the position of the mobile terminal 100 (S2350).

Meanwhile, when the payment mode of the mobile terminal 100 is the first mode for general payment (S2320), the mobile terminal 100 can generate disposable payment information (S2370). Here, the disposable payment information may include a disposable token and an authentication value associated with the payment time.

Meanwhile, when the mobile terminal 100 is tagged to the POS terminal, the disposable payment information can be transmitted from the mobile terminal 100 to the POS terminal. In addition, the POS terminal receiving the disposable payment information can transmit the disposable payment information to the card company server. (S2375).

The card company server can approve the transaction by comparing the received disposable payment information with the disposable payment information held by the card company server (S2380).

If the transaction is approved, the card company server can transmit the transaction completion message to the mobile terminal 100, and the settlement is completed (S2390).

24 is a view for explaining a method of operating a mobile terminal according to another embodiment of the present invention.

In FIGS. 24 to 37, a method of performing false transaction in the first mode when the settlement mode of the mobile terminal 100 is determined to be the first mode for general transaction will be described.

The user of the mobile terminal 100 may complete the approval transaction (payment of the false payment, cancellation of payment of the false payment, and approval of the actual transaction) through one tagging operation in the second mode, Mode, the user may complete the approval transaction through two tagging operations.

That is, the user can perform the approval transaction in the first mode or the second mode according to the selection of the user.

According to another aspect of the present invention, there is provided a method of operating a mobile terminal, including the steps of acquiring information on a payment method in a company in which a mobile terminal is located (S2410) A step S2430 of performing a primary settlement using the disposable payment information for the primary payment, a step S2450 of acquiring information on the transaction type of the company in which the mobile terminal is located using the mobile receipt, A step S2470 of outputting a notification for performing the transaction settlement and a step S2490 of performing the secondary settlement using the disposable settlement information for cancellation of the primary settlement and the disposable settlement information for the settlement of the real transaction.

Referring to FIG. 25, a step S2410 of acquiring information on a payment method in a company in which a mobile terminal is located using the location information of the mobile terminal will be described.

25 is a diagram for explaining a method of acquiring information on a transaction method of a company in which the mobile terminal 100 is located and a method of updating information on a company in which approval transaction is performed according to an embodiment of the present invention .

When the input for executing the payment application is received, the control unit 180 can turn on the GPS function of the mobile terminal 100 and display the UI 2510 indicating that the GPS function is activated. The controller 180 turns on the wireless signal receiving function of the mobile terminal 100 and displays a UI indicating that the wireless signal receiving function is activated in order to receive the wireless signal transmitted from the vendor where the mobile terminal 100 is located can do.

In this case, the controller 180 controls the controller 180 based on at least one of the coordinate information of the mobile terminal 100 and the signal information received by the mobile terminal 100, Information about the method can be obtained.

On the other hand, if the server (not shown) updates the company to which the approval transaction is made, the control unit 180 may display the UI 2520 indicating that the company to which the approval approval is made is updated. On the other hand, when an input for selecting the UI 2520 indicating that the vendor for which the approval transaction is performed is received, the controller 180 receives information about the vendor for which the approval transaction is performed and stores the updated information in the storage unit 170 have.

26 is a view for explaining an operation method of a mobile terminal when a transaction method of a company in which the mobile terminal is located is an authorized transaction according to an embodiment of the present invention.

Referring to FIG. 26, the UI 2610 indicating that the transaction mode in the company in which the mobile terminal is located is an approved transaction can be displayed.

Referring back to FIG. 24, the method of operating a mobile terminal according to still another embodiment of the present invention may include performing a primary settlement using disposable payment information (S2430). This will be described in detail with reference to FIGS. 27 to 28. FIG.

27 to 28 are diagrams for explaining a method of performing primary settlement in the first mode according to the embodiment of the present invention.

If the payment mode of the mobile terminal 100 is the first mode, the controller 180 may perform the primary settlement. Here, the first payment may be an approval payment.

Specifically, when the user authentication through the fingerprint is completed, the control unit 180 can generate the disposable payment information including the disposable payment information and the authentication value linked with the payment time.

28, when the mobile terminal 100 is tagged to the POS terminal, the controller 180 can transmit the generated disposable payment information to the POS terminal.

On the other hand, the POS terminal receiving the disposable payment information can transmit the disposable payment information together with the guarantee amount to the card server, and the card server can approve the approval payment for the guarantee amount.

As shown in FIG. 27, when the payment mode of the mobile terminal 100 is the first mode and the user authentication through the fingerprint is completed, the controller 180 determines that the current payment is the primary payment, that is, UI 2710 can be displayed.

Referring back to FIG. 24, the method of operating a mobile terminal according to another embodiment of the present invention may include acquiring information on a payment method of a company in which a mobile terminal is located (S 2450) using a mobile receipt have. This will be described in detail with reference to FIG.

24, a method of operating a mobile terminal according to another embodiment of the present invention includes acquiring information on a payment method in a company in which a mobile terminal is located (S2410) using location information of the mobile terminal, The step S2410 of acquiring information on the payment method in the company in which the mobile terminal is located may be omitted using the location information of the mobile terminal.

On the other hand, when the primary settlement is performed in the first mode and the mobile receipt for the primary settlement is received, the control unit 180 determines whether the primary settlement is performed in the first mode based on the information included in the mobile receipt, Can be obtained.

29 is a diagram for explaining a method of acquiring information on a transaction method of a company in which a mobile terminal is located using a mobile receipt according to an embodiment of the present invention.

When the card server (not shown) approves the payment of the first payment, that is, the first payment, the card server (not shown) can transmit the mobile receipt for the approved payment approved by the mobile terminal 100.

29, a mobile receipt 2910 received by the mobile terminal 100 is shown.

The mobile receipt 2910 may include information about at least one of a business name, a representative name, an address, and an industry code.

On the other hand, the control unit 180 determines whether or not the transaction type of the company that performed the primary settlement of the mobile terminal 100 based on at least one of the business name, representative name, address, and business type code included in the mobile receipt 2910 Can be obtained.

For example, if the mobile receipt 2910 includes a business name of "self ○○ gas station" or "self ○○ gas station", the control unit 180 determines that the company that the mobile terminal 100 has made the first payment The payment is made by the transaction method, and thus the primary payment can acquire the information of settlement of payment.

If the business type code of " 477 " is included in the mobile receipt 2910 and the business type code of the gas station industry is included in the mobile receipt 2910, the control unit 180 determines, The payment is made according to the transaction method in which the company that has performed the primary settlement of payment by the payment company 100 performs payment, and therefore, the primary payment can acquire the information of settlement of payment.

As another example, the control unit 180 may receive information on a vendor for which an approval transaction is made from a server (not shown), and store the received information in the storage unit 170. Herein, the information about the vendor in which the approval transaction is performed may include at least one of addresses of a plurality of vendors in which the approval transaction is performed and a representative name of a plurality of vendors in which the approval transaction is performed.

In this case, if the representative name contained in the mobile receipt 2910 matches the representative name of the company in which the approval transaction stored in the storage unit 170 is performed, the control unit 180 determines whether the company, The payment is made by the transaction method, and thus the primary payment can acquire the information of settlement of payment.

If the address included in the mobile receipt 2910 matches the address of the company in which the approval transaction stored in the storage unit 170 is performed, the control unit 180 determines whether the company, The settlement is performed by the transaction method, and therefore, the primary settlement can acquire the information of settlement which is the first settlement.

Referring back to FIG. 24, the method of operating a mobile terminal according to another embodiment of the present invention may include outputting a notification for deriving a secondary payment (S2470). This will be described in detail with reference to FIG.

30 is a diagram for explaining a method of outputting a notification for inducing secondary settlement according to the embodiment of the present invention.

In order to complete the approval transaction in the first mode, unlike in the case where only a single tagging is required in the case of performing the futile transaction using the fixed token in the second mode, Secondary tagging for payment is required.

Accordingly, the control unit 180 can display the UIs 3010 and 3020 indicating that the second settlement of the user is required. For example, the control unit 180 may display the UI 3010 indicating the number 2. As another example, the controller 180 may display a UI 3020 that induces a user's finger touch to induce fingerprint authentication of the user necessary for the second payment. On the other hand, the control unit 180 may display the UI 3020 which induces the touch of the user's finger periodically.

Returning to FIG. 24, a method of operating a mobile terminal according to another embodiment of the present invention includes performing a secondary settlement using disposable settlement information for canceling a primary settlement and disposable settlement information for a secondary settlement (S2490 ).

This will be described in detail with reference to FIGS. 31 to 34. FIG.

31 is a view for explaining a method of performing a second settlement according to a fingerprint authentication of a user according to an embodiment of the present invention.

If the payment mode of the mobile terminal 100 is the first mode and the primary payment has been performed, the controller 180 can perform the secondary payment. Here, the process of performing the secondary settlement may include a process of canceling the payment of the false payment and a process of performing the transaction settlement.

31, when the user authentication through the fingerprint is completed, the controller 180 may generate the first disposable payment information including the first disposable token and the authentication value associated with the payment time . Here, the first disposable payment information may be disposable payment information for canceling the first payment, that is, the first payment.

In addition, the control unit 180 may generate the second disposable payment information including the second disposable token and the authentication value associated with the payment time together with generating the first disposable payment information. Here, the second disposable payment information may be disposable payment information for actual payment.

Meanwhile, when the mobile terminal 100 is secondly tagged to the POS terminal, the controller 180 can transmit the generated first disposable payment information and the second disposable payment information to the POS terminal.

On the other hand, the POS terminal that has received the first disposable payment information can transmit the cancellation request for the transaction of the guaranteed amount (the approved transaction) to the card server with the first disposable payment information.

In addition, the POS terminal that has received the second disposable payment information can transmit an approval request of the actual transaction amount to the card server together with the second disposable payment information.

In this case, the card company server (not shown) compares the disposable token included in the first disposable payment information and the authentication value with the token and the authentication value held by the card issuer server (not shown) Can approve the transaction.

On the side of the card company server (not shown), the disposable token included in the second disposable payment information and the authentication value are compared with the token and the authentication value held by the card issuer server (not shown) You can approve the payment.

32 is a diagram for explaining an authentication method for payment according to another embodiment of the present invention.

In the above embodiment, fingerprint authentication is required to perform settlement. However, the present invention is not limited thereto, and the user of the mobile terminal 100 can be authenticated by a method of inputting a PIN code as shown in FIG.

The user authentication method by inputting the PIN code may include at least one of user authentication for payment in the second mode, user authentication for primary payment in the first mode, and user authentication for secondary payment in the first mode Lt; / RTI >

FIG. 33 is a diagram for explaining a method of inducing tagging of the mobile terminal 100 after the authentication for the secondary settlement is completed according to the embodiment of the present invention.

The control unit 180 may display a UI 3310 indicating that it is necessary to tag the mobile terminal 100 to the POS terminal for secondary settlement. On the other hand, the tagging of the mobile terminal 100 is necessary for the secondary settlement, and the UI 3310 indicating that it is necessary to tag the POS terminal may include information indicating that the settlement is the second settlement.

34 is a diagram for explaining a tagging method for secondary settlement according to an embodiment of the present invention.

The secondary settlement is the process of cancellation of the primary settlement and settlement of the real transaction, and needs to be distinguished from other settlement.

Accordingly, if the mobile terminal 100 is tagged to the POS terminal in a state where the touch for the fingerprint sensor is maintained, the controller 180 can transmit the first disposable payment information and the second disposable payment information to the POS terminal.

In this case, the control unit 180 may display the UIs 3410 and 3420 indicating that the touch of the finger should be maintained.

FIGS. 35A and 35B are diagrams for explaining a method of operating the mobile terminal in the case where the user leaves the place before the secondary settlement proceeds according to the embodiment of the present invention.

The controller 180 controls the operation of the mobile terminal 100 based on the coordinate information of the mobile terminal 100, the signal information received from the mobile terminal 100, and information on the movement of the mobile terminal 100 sensed through the sensing unit 140. [ Information on the positional change of the mobile terminal 100 can be obtained.

Also, when the position of the mobile terminal 100 is changed by a threshold value or more, the controller 180 may output a warning notice.

More specifically, as shown in Fig. 35A, the control unit 180 can display a UI 3510 indicating that secondary settlement is necessary. On the other hand, the UI 3510 indicating that the secondary settlement is necessary may include information 3511 indicating that the primary settlement is canceled until the secondary settlement is made.

If the position of the mobile terminal 100 is changed beyond the threshold value in the state where the secondary settlement is not performed, the controller 180 controls the sound output unit 152 to output a warning sound, It is possible to control the haptic module 153 to output a signal.

On the other hand, when a predetermined time has elapsed after the warning is output, the controller 180 may display a UI 3520 for terminating the warning notification as shown in FIG. 35B. On the other hand, when the warning notification is terminated by user input, the controller 180 can display an icon indicating that there is a primary payment to be canceled.

As described above, the present invention can enable a user to perform an approval transaction even in the first mode using the disposable payment information.

That is, a user who recognizes that the approval transaction can be performed through one tagging in the second mode can also perform settlement for the approval transaction in the first mode, so that the approval transaction can be performed according to the user's selection have.

Also, according to the present invention, since the approval transaction can be made in the first mode, the user who has started the settlement in the first mode can not start the settlement again in the second mode because he / It is possible to provide an advantage that the settlement can be completed in the first mode without necessity.

In addition, the present invention displays a UI for inducing a primary settlement and a secondary settlement, so that a user who has not begun to settle the transaction in the first mode because he / The inducement may be allowed to complete the approval transaction.

36 is a diagram for explaining an operation method in a case where position information of the mobile terminal 100 can not be acquired according to the embodiment of the present invention.

In the above embodiment, the mobile terminal 100 receives the position information of the vendor for which the approval transaction is performed from the server (not shown), compares the position information of the vendor for which the approval transaction is performed with the position information of the current mobile terminal 100, 100) is a company to which the approved transaction method is applied.

On the other hand, if the company to which the approval transaction is made is registered in the server (not shown) but is not updated in the mobile terminal 100, the controller 180 displays a UI 3610 indicating that the update Can be displayed. Then, when an input to the UI 3610 indicating that an update is required for the vendor in which the approval transaction is performed is received, the controller 180 can receive information about the vendor for which the approval transaction is performed from the server (not shown) .

In the above embodiment, the mobile terminal 100 generates and transmits fixed payment information including the fixed token and the location information of the mobile terminal 100 in the second mode.

However, if the location information of the mobile terminal 100 can not be acquired (for example, if the mobile terminal 100 is located in the basement and can not receive the GPS location information, the controller 180 sets the settlement mode to fixed settlement It is possible to switch to the first mode using the disposable payment information in the second mode using the information.

In this case, the operation method of the mobile terminal 100 in the first mode can be applied as described with reference to FIG. 24 to FIG.

37A and 37B are views for explaining a shielding apparatus according to an embodiment of the present invention.

Most gas stations handling flammable materials are equipped with explosion-proof devices with electromagnetic shielding to prevent fire accidents caused by electromagnetic waves. However, in the case of the magnetic security transmission (MST) method in which the magnetic field is generated and the payment information is transmitted to the POS terminal, the electromagnetic wave is blocked and the payment information can not be transmitted.

Therefore, as shown in FIG. 37A, a groove 3710 for receiving payment information from the mobile terminal 100 may be mounted in the lubricator 3700. FIG. In this case, a communication unit for receiving payment information of the POS terminal may be installed in the home 3710 for receiving payment information.

When the user of the mobile terminal 100 places the mobile terminal in the home 3710 for receiving the payment information in order to transmit the payment information, the payment information may be transmitted from the mobile terminal 100 to the communication unit of the POS terminal have.

In this case, although the electromagnetic wave shielding process is performed in the groove 3710 for receiving the payment information, the electromagnetic wave shielding process is not performed in the communication unit of the POS terminal inside the groove 3710 for receiving the payment information, .

On the other hand, as shown in Fig. 37B, a loudspeaker 3700 may be provided with a shielding settlement apparatus 3720.

The shielding settlement apparatus 3720 may be shielded from electromagnetic waves. Accordingly, the shielding settlement apparatus 3720 can prevent the electromagnetic waves generated inside the shielding settlement apparatus 3720 from flowing out.

On the other hand, when the user inserts the mobile terminal 100 into the shielded settlement apparatus 3720, the communication unit of the POS terminal is installed inside the shield settlement apparatus 3720 and receives payment information from the mobile terminal 100 .

The present invention described above can be embodied as computer-readable codes on a medium on which a program is recorded. The computer readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of the computer readable medium include a hard disk drive (HDD), a solid state disk (SSD), a silicon disk drive (SDD), a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, . Also, the computer may include a control unit 180 of the terminal. Accordingly, the above description should not be construed in a limiting sense in all respects and should be considered illustrative. The scope of the present invention should be determined by rational interpretation of the appended claims, and all changes within the scope of equivalents of the present invention are included in the scope of the present invention.

110: wireless communication unit 180:

Claims (16)

A method of operating a mobile terminal,
Acquiring information on whether the transaction type in the company in which the mobile terminal is located is an approval transaction or a general transaction, based on at least one of coordinate information of the mobile terminal and signal information received by the mobile terminal; And
Performing settlement in a first mode if the transaction mode is a general transaction and performing settlement in a second mode if the transaction mode is an approval transaction,
In the first mode,
The payment is performed using the disposable payment information,
The second mode includes:
A mode for performing settlement using fixed settlement information
A method of operating a mobile terminal. delete The method according to claim 1,
And if the transaction mode is the approved transaction, outputting a notification indicating that the transaction mode is the approved transaction
A method of operating a mobile terminal. The method of claim 3,
The step of performing the settlement includes:
The method comprising: switching the payment mode of the mobile terminal to the second mode when an input for switching the payment mode of the mobile terminal from the first mode to the payment mode of the mobile terminal is received; And performing settlement using the fixed settlement information
A method of operating a mobile terminal. The method according to claim 1,
The step of performing the settlement includes:
If the mode of the mobile terminal is the first mode, generates disposable payment information including a disposable token and an authentication value linked to the payment time, transmits the generated disposable payment information to the POS terminal,
If the mode of the mobile terminal is the second mode, generates fixed payment information including a fixed token, and transmits the generated fixed payment information to the POS terminal
A method of operating a mobile terminal. 6. The method of claim 5,
The fixed settlement information includes:
Further comprising information on a location of the mobile terminal,
The information on the location of the mobile terminal may be,
And the signal information received by the mobile terminal,
A method of operating a mobile terminal. The method according to claim 1,
The step of performing the settlement includes:
Further comprising updating the fixed token included in the fixed payment information when the payment is canceled while the settlement is being performed in the second mode or when settlement in the second mode is completed
A method of operating a mobile terminal. delete In the mobile terminal,
A display unit for displaying an image;
A wireless communication unit for transmitting the payment information; And
Acquiring information on whether the transaction mode in the company in which the mobile terminal is located is an approval transaction or a general transaction based on at least one of coordinate information and signal information of the mobile terminal received through the wireless communication unit, And a controller for performing settlement in a first mode if the transaction mode is a general transaction and performing settlement in a second mode if the transaction mode is an approved transaction,
In the first mode,
The payment is performed using the disposable payment information,
The second mode includes:
A mode for performing settlement using fixed settlement information
Mobile terminal. delete 10. The method of claim 9,
Wherein,
And controls the display unit to display a UI indicating that the transaction mode is the beast transaction when the transaction mode is the beast's transaction
Mobile terminal. 12. The method of claim 11,
Further comprising an input for receiving input from a user,
Wherein,
The payment mode of the mobile terminal is changed from the second mode to the second mode as the input for switching the payment mode of the mobile terminal to the second mode is received through the input unit in a state that the payment mode of the mobile terminal is the first mode, And performs settlement using the fixed settlement information
Mobile terminal. 10. The method of claim 9,
Wherein,
If the mode of the mobile terminal is the first mode, generates disposable payment information including a disposable token and an authentication value linked to the payment time, transmits the generated disposable payment information to the POS terminal through the wireless communication unit, If the mode of the mobile terminal is the second mode, generates fixed payment information including a fixed token, and transmits the generated fixed payment information to the POS terminal through the wireless communication unit
Mobile terminal. 14. The method of claim 13,
The fixed settlement information includes:
Further comprising information on a location of the mobile terminal,
The information on the location of the mobile terminal may be,
And the signal information received by the mobile terminal,
Mobile terminal. 10. The method of claim 9,
Wherein,
If payment is canceled while performing settlement in the second mode or settlement is performed in the second mode, the fixed token included in the fixed settlement information is updated
Mobile terminal. delete
KR1020150185432A 2015-12-23 2015-12-23 Mobile device and operating method hereof KR101780566B1 (en)

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PCT/KR2016/011443 WO2017111271A1 (en) 2015-12-23 2016-10-12 Mobile device and operating method hereof
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WO2015126753A1 (en) * 2014-02-21 2015-08-27 Looppay, Inc. Methods, devices, and systems for secure provisioning, transmission, and authentication of payment data

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Publication number Priority date Publication date Assignee Title
WO2015126753A1 (en) * 2014-02-21 2015-08-27 Looppay, Inc. Methods, devices, and systems for secure provisioning, transmission, and authentication of payment data

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