System for performing payment in mobile terminal

• US 10,445,724 B2
• Filed: 10/22/2013
• Issued: 10/15/2019
• Est. Priority Date: 10/23/2012
• Status: Active Grant

• Current Assignee: Samsung Electronics Co. Ltd.
• Original Assignee: Samsung Electronics Co. Ltd.
• Inventors: Jung, Eui-Chang, Choi, Bo-Kun, Hwang, Min-Kyung
• Primary Examiner(s): Lemieux, Jessica
• Application Number:
  US14/059,816
• Publication Number:
  US 20140114856A1
• Time in Patent Office: 2,184 Days
• CPC Class Codes: G06Q 20/229 Hierarchy of users of accounts
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices

Abstract

Disclosed are a system for performing payment, and a recording medium storing a program source for the method. The method employed by a first terminal enables a second terminal to perform payment for a product purchase using one or more pieces of financial account information accessible by the first terminal by: transmitting the one or more pieces of financial account information to the second terminal using an NFC connection; generating a registration request message comprising a request for registration of the second terminal associated with the transmitted financial account information enabling the second terminal to perform the payment by using the transmitted financial account information; and transmitting the registration request message to a financial organization server, the financial organization server being associated with the transmitted financial account information.

Claims

1. A method of operation of a first terminal comprising:

obtaining, from a second terminal, identification information of the second terminal based on a Near Field Communication (NFC) connection that is established between the first terminal and the second terminal;

displaying a guide image enabling receiving a selection of financial account information of the first terminal and payment restriction information, wherein the payment restriction information includes at least one of a term, a location, and an item for which a financial payment in the second terminal is permitted;

transmitting, to the second terminal, combined information generated by combining the selected financial account information with the payment restriction information through the NFC connection;

transmitting, to a financial organization server, a registration request message for a request of a registration of the second terminal based on the financial account information in association with the identification information of the second terminal;

receiving a message notifying that the second terminal is registered from the financial organization server,

wherein the second terminal is unregistered when the first terminal transmits the financial account information to the second terminal, and the second terminal becomes registered by the first terminal after the first terminal transmits the financial account information to the second terminal, and

wherein the second terminal performs the financial payment using the identification information, the selected financial account information and the payment restriction information.

2. The method of claim 1, further comprising:

receiving, from the second terminal, a purchase approval request message including product information concerning one or more products;

generating a purchase approval message approving a purchase of one or more products;

transmitting the purchase approval message to the second terminal; and

receiving, from the financial organization server, a payment notification message notifying that a payment for the purchase of the one or more products is approved.

3. The method of claim 2, wherein the payment notification message includes detail information related to the payment requested by the second terminal using the financial account information.

4. The method of claim 1, further comprising:

receiving, from the second terminal, product information concerning a product for which approval of a payment for a purchase of one or more products is completed by the financial organization server;

storing the product information in a memory; and

displaying financial payment details of the second terminal based on the stored product information.

5. The method of claim 1, wherein the registration request message comprises identification information of the first terminal, the identification number of the second terminal, or the financial account information.

6. The method of claim 1, wherein the financial account information comprises credit card information or bank account information, the credit card information including a credit card issuing company, a credit card applicant, a credit card number, a valid term, a password or a connected bank account, and the bank account information including an account opening bank, a bank account applicant, a bank account number or a password.

7. The method of claim 1, wherein transmitting financial account information from the first terminal to the second terminal by using the Near Field Communication (NFC) connection, further comprises transmitting the financial account information from the first terminal directly to the second terminal using the NFC connection.

8. The method of claim 1, further comprising:

displaying, when executing a financial application, financial account information relating to a plurality of financial accounts stored in the first terminal; and

selecting financial account information relating to one financial account from among the displayed financial account information relating to the plurality of financial accounts.

9. The method of claim 8, wherein transmitting financial account information comprises transmitting the selected financial account information to second terminal through a NFC interface.

10. The method of claim 8, wherein transmitting a message for a request of a registration of the second terminal comprise transmitting a message for a request of a registration of the second terminal based on the selected financial account information in association with the identification information of the second terminal.