Payment system, electronic device and payment method thereof

• US 10,521,789 B2
• Filed: 07/13/2016
• Issued: 12/31/2019
• Est. Priority Date: 07/14/2015
• Status: Active Grant

• Current Assignee: Samsung Electronics Co. Ltd.
• Original Assignee: Samsung Electronics Co. Ltd.
• Inventors: Cho, Boo Hyun, Kim, Ki Bong, Cho, Beom Soo
• Primary Examiner(s): Franklin, Jamara A
• Application Number:
  US15/209,143
• Publication Number:
  US 20170330170A1
• Time in Patent Office: 1,266 Days
• Field of Search: 235375, 235379, 235380
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06K 7/08 by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: H04B 5/72 for local intradevice communication
• CPC Class Codes: H04L 1/0011 applied to payload information

Abstract

An electronic device for making a payment is provided. The electronic device includes a display configured to receive a user command, a transceiver configured to communicate with an external device, and a processor configured to request a token associated with a financial service from a payment server when a user requests the financial service and to generate data for providing the financial service by using the token and service information when the token and the service information associated with the financial service is received from the payment server.

Claims

1. An electronic device comprising:

a display configured to receive a user command;

a biometric sensor;

a communication circuit configured to communicate with an external device;

a memory configured to store a private key; and

a processor electrically connected to the display, the biometric sensor, the communication circuit and the memory, wherein the memory stores instructions that, when executed, cause the processor to;

receive a payment request of a user using the display,

in response to the payment request, receive a payment request of a user using the biometric sensor,

perform biometric authentication based on obtained biometric information,

if the biometric authentication is completed, transmit first information encrypted by using the private key to an authentication server for user authentication using the communication circuit,

receive second information corresponding to result of the user authentication performed by the authentication server based on the first information using the communication circuit,

in response to receipt of the second information, transmit a payment data request to a payment server for issuing payment data or acting to issue the payment data using the communication circuit,

receive payment data issued based on the payment data request, being used in one time and corresponding to at least one of track 1, track 2 and track 3 of magnetic payment card from the payment server using the communication circuit, and

transmit a magnetic signal generated based on the received the payment data using a magnetic communication module.

2. The electronic device of claim 1,

wherein the magnetic signal is transmitted using a magnetic secure transmission (MST).

3. The electronic device of claim 1,

wherein the instructions further cause the processor to store the received payment data in the memory or a secure memory element.

4. The electronic device of claim 3, wherein

the secure memory element includes at least one of an embedded secure element (eSE), an embedded subscriber identity module (eSIM) or a trusted execution environment (TEE).

5. The electronic device of claim 1,

wherein the transmitted magnetic signal includes at least one of validity period, at least one of service information, encryption information, account information, deposit information or withdrawal information associated with the received payment data.

6. The electronic device of claim 1, wherein at least one of service information includes information associated with at least one of providing an advertisement, issuing a coupon, collecting a point, discounting a charge, outputting a receipt, discounting a fee, reducing a fee or providing a text service.

7. The electronic device of claim 1,

wherein the payment data includes payment token.

8. The electronic device of claim 1, wherein the second information includes at least one of user information, user account information, payment information, card information, account information, deposit information or withdrawal information.

9. The electronic device of claim 1, wherein the payment data is generated by the payment server based on the payment server confirming validity of the user authentication to the authentication server.

10. The electronic device of claim 1,

wherein the memory stores at least one biometric information,

wherein the instructions cause the processor to:

perform the biometric authentication based on comparing the obtained biometric information with the stored at least one biometric information.

11. The electronic device of claim 1,

wherein the instructions cause the processor to:

receive at least one service information, and

generate the magnetic signal based on the received payment data and the at least one service information.

12. The electronic device of claim 11, wherein the instructions cause the processor to:

display, on the display, at least one user interface for receiving the at least one service information,

receive a user input for the user interface as the at least one service information using the display, and

generate the magnetic signal based on the received user input.

13. The electronic device of claim 12, wherein the instructions cause the processor to:

generate a first magnetic signal when the received input is associated with a first service, and

generate a second magnetic signal when the received input is associated with a second service.

14. The electronic device of claim 12, wherein the at least one service information is represented by two-digit data in the payment data corresponding to the track 2.

15. The electronic device of claim 14, wherein the two-digit data is located at the 25th and 26th digits in the payment data corresponding to the track 2.

16. A method of an electronic device for making a payment, the method comprising:

receiving a payment request of a user;

in response to the payment request, obtaining biometric information of the user;

performing biometric authentication based on the obtained biometric information;

if the biometric authentication is completed, transmitting first information encrypted by using a private key to an authentication server for user authentication;

receiving second information corresponding to result of the user authentication performed by the authentication server based on the first information;

in response to receipt of the second information, transmitting a payment data request to a payment server for issuing payment data or acting to issue the payment data;

receiving payment data issued based on the payment data request, being used in one time and corresponding to at least on of track 1, track 2 and track 3 of magnetic payment card from the payment server; and

transmitting a magnetic signal generated based on the received payment data.