METHOD FOR CONTROLLING PAYMENT DEVICE FOR SELECTING PAYMENT MEANS

• US 20150339652A1
• Filed: 12/28/2012
• Published: 11/26/2015
• Est. Priority Date: 12/27/2012
• Status: Abandoned Application

• Current Assignee: Hyundai Card Incorporated, KB Kookmincard Company Limited, Lotte Card Company Limited, Nonghyup Bank, Samsung Card Company Limited (Samsung Group), Shinhancard Company Limited
• Original Assignee: Hyundai Card Incorporated, KB Kookmincard Company Limited, Lotte Card Company Limited, Nonghyup Bank, Samsung Card Company Limited (Samsung Group), Shinhancard Company Limited
• Inventors: Park, Hae Chul, Kim, Byungsoo, Lee, Jeongjin
• Application Number:
  US14/758,433
• Publication Number:
  US 20150339652A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: H04B 5/48 Transceivers
• CPC Class Codes: H04B 5/72 for local intradevice communication

Abstract

The present invention proposes a method for automatically selecting a payment method using a payment device, in which the payment device and a payment processing terminal automatically determine a mutual payment method so as to thereby conveniently change a mobile payment environment when the payment device and the payment processing terminal approach (or contact) each other, and in which card information with improved security is acquired from a card company server and provided to the payment processing terminal so as to thereby enable mobile transactions with improved security while using existing payment processing networks. To this end, the method of the present invention is performed by a payment processing application installed in the payment device having a display apparatus so as to be driven, and may comprise the steps of: acquiring payment method information, which is supported by the payment device, from an electronic tag when approaching the electronic tag having payment method information recorded thereon; driving a sub-application of a shared payment method matched from the payment method information and the payment method supported by the payment device; and displaying the interface of the sub-application on the display apparatus.

Claims

1. A payment device control method for selecting a payment method, the method being performed by a payment application installed and executed on a payment device having a display unit, comprising:

when moving in proximity to an electronic tag in which pieces of payment method information supported by a payment terminal are recorded, acquiring payment method information from the electronic tag;

executing a sub-application corresponding to a matching shared payment method between the payment method information and payment methods supported by the payment device; and

displaying an interface of the sub-application on the display unit.

2. The payment device control method of claim 1, further comprising, after acquiring the payment method information, displaying shared payment methods on the display unit.

3. The payment device control method of claim 2, further comprising, after acquiring the payment method information, executing a sub-application corresponding to a payment method selected by a user from among the shared payment methods.

4. The payment device control method of claim 3, further comprising, after displaying on the display unit, displaying payment information, generated depending on the payment method selected by the user, on the display unit.

5. The payment device control method of claim 4, wherein the payment information is credit card information.

6. The payment device control method of claim 5, wherein the credit card information is track 2 information complying with an ISO/IEC 7813 standard.

7. The payment device control method of claim 1, further comprising, after acquiring the payment method information:

when there are multiple shared payment methods, aligning the shared payment methods in a sequence of a frequency of use thereof, and displaying the shared payment methods on the display unit.

8. The payment device control method of claim 1, wherein, in the shared payment method, an interface of the sub-application is not displayed on the display unit.

9. The payment device control method of claim 1, wherein when there is a single shared payment method, the payment application executes the sub-application and provides payment information to the payment terminal.

10. A payment device control method for selecting a payment method, the method being performed by a payment device having a display unit, comprising:

when moving in proximity to an electronic tag in which pieces of payment method information supported by a payment terminal are recorded, acquiring payment method information from the electronic tag;

providing the payment method information acquired from the electronic tag to a card company server; and

acquiring a payment webpage for any one of the pieces of payment method information from the card company server and displaying the payment webpage on the display unit.

11. The payment device control method of claim 10, wherein the card company server executes an application, corresponding to a matching shared payment method between payment methods available for the payment device and the payment method information acquired from the electronic tag, on the payment device.

12. The payment device control method of claim 11, wherein the application prevents a procedure of execution of the application from being exposed to an interface of the payment application.

13. The payment device control method of claim 10, wherein displaying on the display unit comprises aligning and displaying payment methods depending on a frequency of use for payment for a preset period of time, among the payment methods.

14. The payment device control method of claim 10, wherein displaying on the display unit comprises displaying payment methods that match payment methods available for the electronic tag, among payment methods registered in the card company server.

15. The payment device control method of claim 10, wherein displaying on the display unit comprises sequentially displaying matching payment methods between payment methods available for the electronic tag and payment methods, which are set according to priority of use and are registered in the card company server, according to priority of use.