APPARATUS AND METHOD FOR PAYMENT USING A SECURE MODULE

• US 20160117683A1
• Filed: 10/28/2015
• Published: 04/28/2016
• Est. Priority Date: 10/28/2014
• Status: Abandoned Application

• Current Assignee: Samsung Electronics Co. Ltd.
• Original Assignee: Samsung Electronics Co. Ltd.
• Inventors: JUNG, Eui-Chang, KIM, Young-Kyoo, PARK, Su-Young, YOON, Seokhyun, JOO, Jae-Seok
• Application Number:
  US14/925,520
• Publication Number:
  US 20160117683A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 21/629 to features or functions of an application
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/35765 Access rights to memory zones
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: H04L 63/0823 using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231

Abstract

An apparatus and method of registering and using financial information are provided. The method includes acquiring user information related to a user of the electronic device; authenticating the user based on the acquired user information; transmitting, to a second external device, a request to allow a first external device to receive an access right for accessing a security module included in the electronic device, based on the authentication of the user; and receiving financial information for the user from the first external device, based on the access right being granted from the second external device to the first external device.

Claims

1. A method of an electronic device, the method comprising:

acquiring user information related to a user of the electronic device;

authenticating the user based on the acquired user information;

transmitting, to a second external device, a request to allow a first external device to receive an access right for accessing a security module included in the electronic device, based on the authentication of the user; and

receiving financial information for the user from the first external device, based on the access right being granted from the second external device to the first external device.

2. The method of claim 1, wherein the security module comprises a Universal Integrated Circuit Card (UICC) embedded in the electronic device.

3. The method of claim 1, wherein acquiring the user information comprises acquiring the user information based on a connection state of the electronic device and an input device operatively coupled to the electronic device.

4. The method of claim 1, wherein acquiring user information comprises acquiring at least one of user bio information, user account information, a user certificate, information of the electronic device, information of a different electronic device operatively coupled to the electronic device, and a profile of the different electronic device.

5. The method of claim 1, wherein the access right is received by the first external device, from the second external device.

6. The method of claim 1, further comprising storing the financial information in the security module.

7. The method of claim 6, further comprising receiving a payment right for accessing the stored financial information, if a request for performing an electronic payment is received via the electronic device.

8. The method of claim 1, further comprising transmitting financial information acquired via an input device included in the electronic device to the first external device.

9. An electronic device comprising:

a security module; and

a processor configured to;

acquire user information related to a user of the electronic device;

authenticate the user based on the acquired user information;

transmit, to a second external device, a request to allow a first external device to receive an access right for accessing a security module included in the electronic device, based on the authentication of the user; and

receive financial information for the user from the first external device, based on the access right being granted from the second external device to the first external device.

10. The electronic device of claim 9, wherein the security module comprises a Universal Integrated Circuit Card (UICC) embedded in the electronic device.

11. The electronic device of claim 9, wherein the security module comprises at least one common storage space for storing at least one profile or common information for storing vendor specific subscriber identity information.

12. The electronic device of claim 9, wherein the security module comprises at least one security area.

13. The electronic device of claim 9, wherein the processor is further configured to:

transmit, to a third external device, an installation request for determining whether to install a profile;

if it is determined to install the profile, connect a security domain between the third electronic device and the security module; and

download a new profile through the security domain.

14. An electronic device comprising:

a security module; and

a processor configured to;

receive a payment request to perform an electronic payment;

select financial information for performing the electronic payment, from among one or more pieces of financial information stored via the security module, based on the payment request;

acquire a user input for authenticating the selected financial information; and

if the selected financial information is authenticated based on the user input, transmit the selected financial information to a first external device.

15. The electronic device of claim 14, wherein the processor is further configured to transmit a request for the electronic payment to a different electronic device in response to the request, that the request requesting at least one part of a price corresponding to the electronic payment to be paid through the different electronic device.

16. The electronic device of claim 15, wherein the processor is further configured to receive financial information corresponding to the different electronic device from the different electronic device, in response to the request.

17. The electronic device of claim 14, wherein the processor is further configured to confirm payment information regarding the electronic payment through a camera shooting, voice recognition, or communication.

18. The electronic device of claim 15, wherein the processor is further configured to acquire at least any one of user bio information, user account information, information of a terminal, a user certificate, and a security module profile of the different electronic device, based on a connection state of an input device operatively coupled to the electronic device.

19. The electronic device of claim 14, wherein the processor is further configured to output a list corresponding to the one or more pieces of financial information through a display operatively coupled to the electronic device.

20. The electronic device of claim 14, wherein the processor is further configured to automatically select the financial information based on at least one of a location or a time at which the one or more pieces of financial information is used previously, an attribute of a payment, and a storage location.

21. The electronic device of claim 15, wherein the financial information includes financial information received from the different electronic device operatively coupled to the electronic device.

22. The electronic device of claim 14, wherein the security module comprises an enabled first profile and a disabled second profile, and

wherein the processor is further configured to disable the first profile and enable the second profile, if the first profile does not include the financial information.

23. The electronic device of claim 14, wherein the security module comprises an enabled profile, and

wherein the processor is further configured to register the financial information to the enabled profile, if the enabled profile does not include the financial information.

24. The electronic device of claim 14, wherein the security module comprises an enabled first profile and a disabled second profile, and

wherein the processor is further configured to share the financial information in a common storage space accessible by the first profile and the second profile, if the first profile does not include the financial information and the second profile includes the financial information.