Electronic device supporting mobile payment, method for operating same, and storage medium

Patent metadata

Field	Value
Publication number	US-12125019-B2
Application number	US-202217671050-A
Country	US
Kind code	B2
Filing date	Feb 14, 2022
Priority date	Jul 9, 2020
Publication date	Oct 22, 2024
Grant date	Oct 22, 2024

Abstract

An electronic device is provided. The electronic device includes a communication module, at least one processor, and a memory configured to be operatively coupled to the at least one processor, wherein the memory stores instructions configured to, when executed, cause the at least one processor to identify information on a first country in which the electronic device is located through the communication module, perform payment based on a first authentication method corresponding to the identified information on the first country in response to a first payment application execution request, and change the first authentication method to a second authentication method corresponding to information on a second country in response to detection of a change from the first country to the second country through the communication module.

First claim

The invention claimed is:

1. A portable electronic device comprising:
communication circuitry;
a display;
at least one processor; and
memory configured to be operatively coupled to the at least one processor and storing a payment application,
wherein the memory storing instructions configured to, when executed by the at least one processor, cause the portable electronic device to:
identify that a country in which the portable electronic device is located is changed through the communication circuitry,
if the country in which the portable electronic device is located is changed from a first country to a second country, display information on an available form of payment for the second country through the display,
display a guidance for the available form of payment in the second country based on payment-related configuration information while the payment application is executed,
select a form of payment by a user input,
in response to the selection, change a first authentication method for the first country to a second authentication method for the second country, and
perform, using the payment application stored in the memory, payment using one of a plurality of tokens pre-stored in the memory based on the second authentication method with the selected form,

wherein the first authentication method is associated with information on the first country that includes a one-time payment token,
wherein the second authentication method is associated with information on the second country that includes using the plurality of tokens, and
wherein the guidance includes information that an overseas payment is required.

2. The portable electronic device of claim 1 ,
wherein the first authentication method is a method in which a payment token required to perform payment is issued from an external server at every payment, and
wherein the second authentication method is a method in which any one of a plurality of pre-stored payment tokens is used.

3. The portable electronic device of claim 1 , wherein the instructions are further configured to cause the portable electronic device to:
obtain configuration information including at least one security policy to be applied at a time of payment corresponding to the second country, and
change to the second authentication method based on the configuration information.

4. The portable electronic device of claim 3 , wherein the at least one security policy includes at least one of a security policy supported by the portable electronic device itself, a security policy for each country supporting overseas payment, a security policy for each form of payment supporting overseas payment, a security policy according to a payment method, or a security policy according to a payment amount.

5. The portable electronic device of claim 2 , wherein the instructions are further configured to cause the portable electronic device to:
issue a device nonce for authentication on the plurality of pre-stored payment tokens according to a request to execute the payment application and transmit the device nonce to a payment server connected to a financial server to perform authentication between the financial server and an authentication server, and
complete authentication of the plurality of pre-stored payment tokens by receiving a verification result for the device nonce from the payment server.

6. The portable electronic device of claim 5 , wherein the instructions are further configured to cause the portable electronic device to:
request authentication on biometric information from the authentication server according to the request to execute the payment application, and
transmit the device nonce to the payment server when the authentication on the biometric information by the authentication server is successful.

7. The portable electronic device of claim 1 , wherein the instructions are further configured to cause the portable electronic device to:
obtain configuration information including at least one security policy to be applied at a time of payment corresponding to the second country in response to reception of a user's selection after displaying the guidance for payment in the second country.

8. The portable electronic device of claim 1 , wherein the instructions are further configured to cause the portable electronic device to identify that the country in which the portable electronic device is located is changed based on at least one of a mobile country code (MCC), a mobile network code (MNC), or global positioning system (GPS) location information.

9. A method for supporting mobile payment in a portable electronic device, the method comprising:
identifying that a country in which the portable electronic device is located is changed;
if the country in which the portable electronic device is located is changed from a first country to a second country, displaying information on an available form of payment for the second country;
displaying a guidance for the available form of payment in the second country based on payment-related configuration information while a payment application is executed;
selecting a form of payment by a user input;
in response to the selection, changing a first authentication method for the first country to a second authentication method for the second country; and
performing, using the payment application stored in a memory of the portable electronic device, payment using one of a plurality of tokens pre-stored in the memory based on the second authentication method with the selected form,
wherein the first authentication method is associated with information on the first country that includes a one-time payment token, and
wherein the second authentication method is associated with information on the second country that includes using a the plurality of tokens, and
wherein the guidance includes information that an overseas payment is required.

10. The method of claim 9 ,
wherein the first authentication method is a method in which a payment token required to perform payment is issued from an external server at every payment, and
wherein the second authentication method is a method in which any one of a plurality of pre-stored payment tokens is used.

11. The method of claim 9 , wherein the changing of the first authentication method to the second authentication method corresponding to the information on the second country comprises:
obtaining configuration information including at least one security policy to be applied at a time of payment corresponding to the second country; and
changing to the second authentication method based on the configuration information.

12. The method of claim 11 , wherein the at least one security policy includes at least one of a security policy supported by the portable electronic device itself, a security policy for each country supporting overseas payment, a security policy for each form of payment supporting overseas payment, a security policy according to a payment method, or a security policy according to a payment amount.

13. The method of claim 10 , further comprising:
issuing a device nonce for authentication on the plurality of pre-stored payment tokens according to a request to execute the payment application and transmitting the device nonce to a payment server connected to a financial server to perform authentication between the financial server and an authentication server; and
completing authentication of the plurality of pre-stored payment tokens by receiving a verification result for the device nonce from the payment server.

14. The method of claim 13 , wherein the transmitting of the device nonce t

Assignees

• Samsung Electronics Co Ltd

Inventors

• Lee Yongwan
• Kim Inho
• Park Yongseok
• Je Seongmin

Classifications

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/3267

  In-app payments · CPC title

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/325

  using wireless networks · CPC title