PAYMENT SYSTEM, ELECTRONIC DEVICE AND PAYMENT METHOD THEREOF
First Claim
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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, corresponding to at least one of track 1, track 2 and track 3 of payment card from the payment server using the communication circuit, andtransmit a signal generated based on the received payment data.
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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.
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Citations
16 Claims
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1. An electronic device comprising:
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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, corresponding to at least one of track 1, track 2 and track 3 of payment card from the payment server using the communication circuit, and transmit a signal generated based on the received payment data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 10, 11, 12, 13, 14, 15, 16)
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9. A method of an electronic device for making a payment, the method comprising:
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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, corresponding to at least on of track 1, track 2 and track 3 of payment card from the payment server; and transmitting a signal generated based on the received payment data.
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Specification