Payment processing method and electronic device supporting the same

Patent metadata

Field	Value
Publication number	US-2016247144-A1
Application number	US-201615042671-A
Country	US
Kind code	A1
Filing date	Feb 12, 2016
Priority date	Feb 12, 2015
Publication date	Aug 25, 2016
Grant date	—

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 payment information associated with a near field communication (NFC) method, payment information associated with a magnetic security transmit (MST) method, and fingerprint information; and a processor functionally connected with the security memory and configured to control a multiple payment operation including a payment of NFC method and a payment of MST method; wherein 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 when fingerprint information obtained through fingerprint detection is valid.

2 . The electronic device of claim 1 , wherein the processor is further configured to display at least one of an object for instructing a signal transmission start guide for payment processing, an object associated with a signal transmission direction according to the NFC method operation, or an object associated with a signal transmission direction according to the MST method operation.

3 . The electronic device of claim 2 , wherein the processor is further configured to:
operate the NFC method operation and the MST method operation alternatively, and differently display the object associated with a signal transmission direction according to the payment operation of the NFC method and the object associated with a signal transmission direction according to the payment operation of the MST method.

4 . 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.

5 . The electronic device of claim 1 , wherein the processor is further configured to:
activate a camera during the multiple payment operation, and automatically display a barcode object when an image including an object relating to barcode recognition is captured.

6 . The electronic device of claim 5 , wherein, when it is determined that an object relating to the barcode recognition is away by more than a specified distance or disappears from the image, the processor is further configured to determine this as payment completion.

7 . The electronic device of claim 1 , wherein the processor is further configured to display, on the screen interface, at least one of:
a handover function object to support maintaining a display state of at least part of objects included in the current screen interface and prohibiting switching to another function or switching to a barcode method, an object including operation guide information relating to payment execution, a signature object relating to signature entry, and a barcode method switch object for outputting barcode.

8 . The electronic device of claim 7 , wherein the processor is further configured to control a screen interface including at least one of a barcode object and an object for switching to the multiple payment operation screen according to a barcode method switch object selection.

9 . The electronic device of claim 8 , wherein the processor is further configured to output fingerprint detection guide information relating to a handover function release during handover function execution according to a handover function object selection.

10 . The electronic device of claim 1 , wherein the processor is further configured to activate a camera and execute a handover function for maintaining a display state of at least part of objects included in the current screen interface and prohibiting switching to another function when a specified user face is not recognized.

11 . A method of processing a payment at an electronic device, the method comprising:
performing fingerprint detection; and outputting a signal processing information according to a near field communication (NFC) method operation and a signal processing information according to a magnetic security transmit (MST) method operation to be outputted as one screen interface when obtained fingerprint information is valid.

12 . The method of claim 11 , further comprising displaying a signal transmission object for instructing a signal transmission direction according to the NFC method operation, or a signal transmission object for instructing a signal transmission direction according to the MST method operation.

13 . The method of claim 12 , further comprising:
operating the NFC method operation and the MST method operation alternatively; and differently displaying the signal transmission object associated with the payment of NFC method during the payment of NFC method operation and the signal transmission object associated with the payment of MST method during the payment of MST method operation.

14 . The method of claim 11 , further comprising:
determining whether an approach of a specified object is located within a specified distance through a sensor during the payment operation of the NFC method; and transmitting an MST signal according to the MST method operation when the object is located within the specified distance.

15 . The method of claim 11 , further comprising:
activating a camera; and automatically displaying a barcode object when an image including an object relating to barcode recognition is captured.

16 . The method of claim 15 , further comprising, when it is determined that an object relating to the barcode recognition is away by more than a specified distance or disappears from the image, performing payment completion processing.

17 . The method of claim 11 , further comprising at least one of:
displaying a handover function object to support maintaining a display state of at least part of objects included in the current screen interface and prohibiting switching to another function or switching to a barcode method; displaying an object including operation guide information relating to payment execution; displaying a signature object relating to signature entry; and displaying a barcode method switch object for outputting barcode.

18 . The method of claim 17 , further comprising displaying a screen interface including at least one of a barcode object and an object for switching to the multiple payment operation screen according to a barcode method switch object selection.

19 . The method of claim 17 , further comprising outputting fingerprint detection guide information relating to a handover function release during handover function execution according to a handover function object selection.

20 . The method of claim 11 , further comprising:
activating a camera; and executing a handover function for maintaining a display state of at least part of objects included in the current screen interface and prohibiting switching to another function when a specified user face is not recognized.

21 . An electronic device comprising:
a housing, a display exposed to one surface of the housing; an input device integrally formed with the display, mounted at the housing, or connected wirelessly to the electronic device; a user authentication device integrally formed with the display or mounted at the housing; a conductive pattern disposed in the housing and configured to transmit magnetic signals to an external

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

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G06Q20/3278 Primary

  RFID or NFC payments by means of M-devices · CPC title

• G06K7/083

  inductive (G06K7/10336 takes precedence) · CPC title

• G06Q20/3274

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

• G06Q20/405

  Establishing or using transaction specific rules · CPC title