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Integrated payment method using near field communication and mobile terminal using the same

  • US 9,978,077 B2
  • Filed: 07/01/2014
  • Issued: 05/22/2018
  • Est. Priority Date: 10/15/2010
  • Status: Active Grant
First Claim
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1. A method for performing an integrated payment at a mobile terminal which is configured to be electrically connected to a smart card module through an interface of the mobile terminal and to communicate with a payment system via a Near Field Communication (NFC), the method comprising:

  • receiving, by a wireless communication unit of the mobile terminal, from a product, a radio frequency identification (RFID) tag signal;

    analyzing, by a smart card module in the mobile terminal, the received RFID tag signal;

    extracting, by the smart card module in the mobile terminal, based on the analyzed RFID tag signal, an integrated payment application which is stored in the mobile terminal and which corresponds to the analyzed RFID tag signal, the integrated payment application capable of integrally processing at least two of an application related to a coupon, an application related to a membership card, an application related to a stamp, and an application related to a point accumulation when a payment for the product is performed;

    executing, by the smart card module in the mobile terminal, the extracted integrated payment application;

    searching, by the integrated payment application executed by the mobile terminal, for a plurality of discount benefit items among various types of discount benefit items stored in the mobile terminal, the plurality of discount benefit items being configured to be applied to a product that a customer desires to pay for;

    generating, by the smart card module in the mobile terminal, information related to the searched plurality of discount benefit items and transmitting, by the wireless communication unit of the mobile terminal via the NFC, the generated information to the payment system;

    receiving, by the wireless communication unit of the mobile terminal via the NFC, a final payment amount which reflects at least one of the plurality of discount benefit items from the payment system; and

    receiving, by the wireless communication unit of the mobile terminal via the NFC, information about an update of at least one of the various types of discount benefit items from the payment system,wherein the extracting the integrated payment application comprises searching an application table stored in the mobile terminal for the integrated payment application corresponding to the analyzed RFID tag signal.

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