Payment processing method and electronic device supporting the same

Patent metadata

Field	Value
Publication number	US-11182769-B2
Application number	US-201615042671-A
Country	US
Kind code	B2
Filing date	Feb 12, 2016
Priority date	Feb 12, 2015
Publication date	Nov 23, 2021
Grant date	Nov 23, 2021

Abstract

An electronic device and method of processing a payment at the electronic device are provided. The electronic device includes a security memory configured to store payment information of a near field communication (NFC) method, payment information of a magnetic security transmit (MST) method, and fingerprint information, and a processor configured to control a multiple payment operation of the NFC method and the MST method when fingerprint information obtained through fingerprint detection is valid. The processor is further configured to control a signal processing information according to the NFC method operation and a signal processing information according to the MST method operation to be outputted as one screen interface.

First claim

What is claimed is:

1. An electronic device comprising:
a security memory configured to store predetermined fingerprint information;
a display; and
a processor functionally connected with the security memory and the display, the processor configured to:
obtain user fingerprint information from a user of the electronic device,
compare the user fingerprint information with the predetermined fingerprint information, and
when the user fingerprint information is valid, control a multiple payment operation including a payment operation associated with a near field communication (NFC) method and a payment operation associated with a magnetic security transmit (MST) method,

wherein the processor is further configured to differently display an object indicating the NFC method operation and an NFC signal transmission direction according to the NFC method operation and an object indicating the MST method operation and an MST signal transmission direction according to the MST method operation while the NFC method operation and the MST method operation are operating alternatively,
wherein the NFC signal transmission direction according to the NFC method operation and the MST signal transmission direction according to the MST method operation each indicate a direction of transmission of the respective signals from the electronic device, and
wherein the processor is further configured to:
activate a camera during the multiple payment operation,
automatically display a barcode object when an image including an object relating to barcode recognition for a barcode method is captured,
determine whether a distance between the object and the camera is more than a specified distance away, or whether the object disappears from the image, and
when the object is more that the specified distance away or when the object disappears from the image, determine that payment completion of the multiple payment operation has occurred.

2. The electronic device of claim 1 , wherein the processor is further configured to display an object for instructing a signal transmission start guide for payment processing.

3. The electronic device of claim 1 ,
wherein the processor is further configured to:
determine whether an approach of a specified object is located within a specified distance through a sensor during the NFC method operation, and
transmit an MST signal according to the MST method operation when the object is located within the specified distance.

4. The electronic device of claim 1 , wherein the processor is further configured to display, on a screen interface, at least one of:
an object to initiate a handover function, the handover function upon execution is configured to maintain a display state of at least part of objects included in the screen interface and prohibit switching to another function or switching to the barcode method,
an object including operation guide information relating to payment execution, or
a signature object relating to signature entry.

5. The electronic device of claim 4 , wherein the processor is further configured to control the screen interface including at least one of an object for switching to a multiple payment operation screen according to the barcode method switch object selection.

6. The electronic device of claim 5 , wherein the processor is further configured to output fingerprint detection guide information to halt execution of the handover function during the handover function execution.

7. The electronic device of claim 1 , wherein the processor is further configured to activate a camera and execute a handover function configured to maintain a display state of at least part of objects included in a screen interface and prohibit switching to another function unless a user face captured by a camera is recognized.

8. The electronic device of claim 1 , wherein the signal is transmitted through an NFC antenna and an MST coil.

Assignees

• Samsung Electronics Co Ltd

Inventors

• Oh Sae Ah
• Kim Han Na
• Park Mi Yeon
• Park Yong Man
• Seo You Bi
• Suh Hwa Youn
• Yu Byung In
• Roh Byoung Tack
• Yoon Seok Hyun
• Lee Yo Han
• Je Seong Min

Classifications

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G06Q20/351

  Virtual cards · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q20/3274

  using a pictured code, e.g. barcode or QR-code, being displayed on the M-device · CPC title