(19) United States
`(12) Patent Application Publication (10) Pub. No.: US 2014/0297381 A1
`Park
`(43) Pub. Date:
`Oct. 2, 2014
`
`
`US 20140297381A1
`
`(54) COMPLEX PAYMENT SYSTEM USING A
`PORTABLE TERMINAL, AND COVIPLEX
`PAYMENT METIIOD
`
`(75)
`
`Inventor: Kyung Yang Park, Jongno—Gu (KR)
`
`(73) Assignee: HAREX INFOTECII, INC, SEOUL
`(KR)
`
`14/233,373
`
`(21) App]. No.:
`.
`(22) PCT F11ed3
`v ,
`(86) P91 N05
`§ 371 (c)(1 ):
`(2): (4) Date: May 53 2014
`
`JUL 11, 2012
`v ‘
`PL l/KR2012/005516
`
`(30)
`
`Foreign Application Priority Data
`
`Jul. 20, 201 l
`
`(KR) ........................ 10-201 1-0071837
`
`Publication Classification
`
`_
`(31)
`
`Int- Cl-
`G06Q 20/32
`G06Q 2038
`(52) U.S. Cl.
`CPC ............ G06Q 20/322 (2013.01); G06Q 20/38 7
`(201301)
`USPC ....................................................... 705/1423
`
`(2006.01)
`(2006-01)
`
`ABSTRAC '1‘
`(57)
`Disclosed are a complex payment system using a portable
`terminal, and a complex payment method. According to the
`present invention, a portable terminal such as a smartphone or
`a vendor server may analyze and display an optimum pay-
`ment condition containing a minimum payment amount using
`bonus information such as card information, discount infor-
`mation, membership point information, or coupon informa-
`tion when a user pays, thus preventing personal information
`leakage and enabling the user to pay a minimum amount by
`means ofhis/hcr credit card using the bonus information.
`
`‘20
`
`
`
`1 10
`
`
`
`-
`.
`-.
`..
`Aff" ~
`llldlLd Shop lcnumdl \ / Membership Serve:
`
`
`
`
`
`.
`
`14o
`
`Portable Terminal
`
`/
`
`160
`
`Financial Institute Server
`
`150
`
`Google LLC v. RFCyber Corp. / Page 1 of 22
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`6006-1010
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`Patent Application Publication
`
`Oct. 2, 2014 Sheet 1 0f 8
`
`US 2014/0297381 A1
`
`(FIG 1]
`
`Card User
`
`
`
`30
`
`40
`
`
`
`
`
`Affiliated Shop
`Relay System 0f
`
`
`
`01‘
`VAN (or I’G)
`Card Company
`
`Internet Shopping Mall
`Company
`
`
`
`
`
`Financial Sewer Of
`
`lFIG 2}
`
`—w
`
`[20
`
`
`
`
`
`IIO
`
`Affiliated Shop ’I‘cmn'nal
`
`
`
`Portable Terminal
`
`
`
`
`
`X Am ’3’
`
`Membership Sewer
`
`140
`
`Internet
`
`X X Financial Institute Senior
`160
`
`150
`
`Google LLC v. RFCyber Corp. / Page 2 of 22
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`
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`GOOG-1010
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`Patent Application Publication
`
`Oct. 2, 2014 Sheet 2 0f 8
`
`US 2014/0297381 A1
`
`[FIG 3]
`
`Portable Terminal
`
`V
`
`
`
`150
`
`
`
`
`
`130
`
`
`
`Run Mobile
`
`
`
` Wallet App
`
`S201
`
`
`
`Enter Autheu icatiuu Data
`
`
`
`8202
`
`
`
`Appm\te(8205)
`
`
`
`
`
`
`
`
`MSZJ o Transmjt(82 l 3)
`
`Request Authentication(8203)
`
`Authentication Procedure
`
`5204
`
`Select App Card
`
`8206
`I-
`Request lssuancelSlW)
`
`
`
`
`Transmit Program(8209)
`
`Issuance Task
`
`S208
`
`I
`
`Download
`
`I’VSZI 1
`
`Store In Credit Card Folder «x5212
`
` Store ln Credit Card Folder
`
`32”
`
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`Patent Application Publication
`
`Oct. 2, 2014 Sheet 3 0f 8
`
`US 2014/0297381 A1
`
`[FIG 4}
`
`“0
`
`8220
`
`
`Display Card Issuance Screen
`
`S221
`
`3”“
`
`Request lssuancc(8226)
`
`Transmit Program(5228)
`
`Download
`
`8230
`
`Store In Membership Card
`
`8231
`
`.130
`
`
`
`Issuance Task
`
`lrx/8227
`
`Store
`
`I _
`
`5229
`
`l
`
`‘
`
`Google LLC v. RFCyber Corp. / Page 4 of 22
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`GOOG-1010
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`Subscribe To Membership
`
`Assign ID And PasswordUU
`
`5245
`
`$246
`
`Store
`
`|>~8244
`
`130
`
`‘
`
`Portable Terminal
`
`I 10
`
`Patent Application Publication
`
`Oct. 2, 2014 Sheet 4 0f 8
`
`US 2014/0297381 A1
`
`[FIG 5}
`
`Affiliated Shop Tcmiinal
`
`Registration Document
`
`Vendor Server
`
`130
`
`l20
`
`S240
`
`Submit(S24 1)
`
`Ill
`
`
`Registration Task
`
`8242
`
`Report Affiliated Shop Code(SZ43)
`
`A
`
`
`
`Affiliated Shop Terminal
`
`120
`
`
`
`Open Home Page
`
`8250
`
`$251
`
`Enter Affiliated Shop
`
`
`
`
`
`Benefit Items
`
`Euler Advertiscmcnl
`S253
`Request Items
`
`
` Request Registration(S254)
`
`Transmit Related Data(S.256)
`
`
`Register
`
`Irx/SZSS
`
`Google LLC v. RFCyber Corp. / Page 5 of 22
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`GOOG-1010
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`Patent Application Publication
`
`Oct. 2, 2014 Sheet 5 0f 8
`
`US 2014/0297381 A1
`
`[FIG 7}
`
`Portable Terminal
`
`
`
`130
`
`Run Mobile Wallet App
`
`Select Coupon Menu
`
`Read Coupon Information
`
`
`
`
`
`
`
`
`Transmit Coupon lnfonnafion(_8264)
`
`
`
`S265
`
`Google LLC v. RFCyber Corp. / Page 6 of 22
`
`
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`GOOG-1010
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`Patent Application Publication
`
`Oct. 2, 2014 Sheet 6 0f 8
`
`US 2014/0297381 A1
`
`(FIG 8]
`
`Ponable Terminal
`
`
`
`120
`
`Vendor Sewer
`
`IA J30
`
` Affiliated Shop Tenninnl
`
`
`chuchl I’nymcnt(3270)
`
` 5271
`Select Payment Means $272
`
`
`Process Payment
`
`
` Request Approva](8273)
`
`Generate TID And QR Code
`
`5274
`
`
`Transmit Optimum Payment Conditions(SZRI}
` Modify Data
`
`
`Transmit TID And QR Codc(3275)
`
`
`3276
`Outpnt énifizm‘
`
`
`And Store In Tag
`
`Transmit Data
`
`
`
`Touch With NFC Phonci
`Read QR Code
`
`$277
`
` Transmit Tenninal Identification NumberleD(SZ 78)
`
`
`
`S tax-ch Transaclion Data
`82 79
`
`
`
`3280
` Generate Omimum
`
`Payment Conditions
`
`
`
`
`Disp‘iay Payment Con ditinns
`
`$282
`
`Transmit Payment Conditions($286)
`
`Request Approval From
`Cmd Company
`
`IA 3,287
`$288
`
`Repon Results Oprproval(3289)
`
`
`
`Transmit Resulls Of Payment(8290)
`
`
`
`Google LLC v. RFCyber Corp. / Page 7 of 22
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`Patent Application Publication
`
`Oct. 2, 2014 Sheet 7 0f 8
`
`US 2014/0297381 A1
`
`[FIG 9}
`
`Payment
`
`Card Issuance
`
`Coupon Collection
`
`Search
`
`[FIG 10]
`
`Credit Card
`
`Membership Card
`
`Debit Card
`
`Gift Card
`
`[FIG 11}
`
`
`
`
`I
`
`Credit Card
`
`I
`
`Debit Card
`
`I Membership Card I
`
`Coupon
`
`
`
`Gift Card
`
`I
`
`I
`
`I
`
`Google LLC v. RFCyber Corp. / Page 8 of 22
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`
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`GOOG-1010
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`GOOG-1010
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`Patent Application Publication
`
`Oct. 2, 2014 Sheet 8 0f 8
`
`US 2014/0297381 A1
`
`(FIG 12]
`
`
`
`KB—Outback Card
`
`Shinhan-Starbucks Card
`
`Hana—Enclem Card
`
`Google LLC v. RFCyber Corp. / Page 9 of 22
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`GOOG-1010
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`US 2014/0297381A1
`
`Oct. 2, 2014
`
`COIWPLEX PAYNIENT SYSTEM USING A
`PORTABLE TERMINAL, AND COMPLEX
`PAYMENT lVIETHOD
`
`TECHNICAL FIELD
`
`[0001] The present invention relates, in general, to a pay-
`ment system and method capable of making payment using a
`portable terminal and, more particularly, to a complex pay-
`ment system and method using a portable terminal, which are
`capable ofmaking payment using bonus information, such as
`card information, discount information, membership point
`information, andjor coupon information based on optimum
`payment conditions in which a minimum payment amount
`can be obtained.
`
`BACKGROUND ART
`
`[0002] Conventional card payment uses a method of
`obtaining the card number of a purchaser through a comiec-
`tion to the POS of an affiliated shop or via a separate card (a
`variety ofcardpayment means, such as a credit card, a prepaid
`card, a debit card, etc.) terminal and then requesting approval
`from a card company server through a VAN provider by
`transmitting the card number. together with affiliated shop
`information and a payment amount.
`[0003] A conventional card payment system is illustrated in
`FIG. 1.
`
`[0004] When a customer makes a credit—based purchase at
`a designated aifiliated shop, the card reader of the affiliated
`shop accesses a card issuer server over the network of aVAN
`provider. obtains approval of card payment. and then com—
`pletes a transaction.
`[0005] A card user 10 possesses a card issued by a card
`company, and an afliliated shop is provided with a common
`card terminal 20 that accesses a specific VAN provider and
`transmits payment information. The card terminal 20 and the
`relay system 30 of the VAN provider are generally connected
`over a predetermined network (e.g., the telephony Internet),
`and the relay system 3 0 of the VAN provider and the transac—
`tion approval system 40 of a corresponding card company are
`generally connected over a dedicated network.
`[0006]
`In the case ofusing an online payment method via an
`Internet shopping mall instead of an afliliated shop, a pay-
`ment gateway (PG) 30 performs the role oftheVAN provider.
`[0007] The VAN provider functions to relay purchase infor—
`mation whose approval (or cancellation) has been requested
`via the card terminal between the affiliated shop and the
`corresponding card company, and the PG 30 functions to
`request a payment amount from a payment and settlement
`company, such as a card company. a bank, or an electronic
`payment company, under the entrustment of an Internet corri-
`merce company, to receive the amount, and to pay the amount
`to the entrusting company.
`[0008] When a card holder requests a purchase while pre-
`senting his or her card to an afiiliated shop in order to pay the
`price for a commodity, the affiliated shop uses a credit card
`terminal in order to request approval from a card company. In
`this case, the card terminal transmits card user information
`stored in the card of the user, conunodity order information
`generated by the card terminal, a payment amount and aflili-
`ated shop information to the VAN provider. The VAN pro-
`vider receives the information through the relay system 30 of
`the VAN provider.
`
`[0009] The relay system 30 of the VAN provider that has
`received payment approval request data reads card company
`information recorded in the user information of the payment
`approval request data and then transmits transaction approval
`request—related data to the transaction approval system 40 of
`the corresponding card company in order to request approval.
`[0010] The transaction approval system 40 ofthe card com—
`pany that has received the transaction approval request—re—
`lated data checks if the transaction made between the card
`user and the affiliated shop is valid by comparing the user
`information, the commodity order information, the payment
`amount, the alliliated shop information included in the trans-
`action approval request-related data with its membership data
`or afliliated shop data.
`[0011] The transaction approval system 40 ofthe card com—
`pany transmits the results of the approval of the transaction
`for the transaction approval request to the relay system 30 of
`the VAN provider that has relayed the payment approval
`request, and the relay system 30 of the VAN provider stores
`approval number data and transmits the approval number data
`to the corresponding card reader of the corresponding affili-
`ated shop.
`[0012] Based on the transmitted approval data, the card
`terminal prints the results of payment on a card receipt and
`reports the results to the card user.
`[0013]
`In this payment method using a card, when a card
`user provides information, such as a card number, a valid
`period, and a card issuer, required for card payment approval
`to a terminal installed at an affiliated shop, the affiliated shop
`requests transaction approval from a corresponding card
`company through the VAN provider and then payment is
`made based on the results of the approval.
`[0014] However, this conventional method is problematic
`in that a card user sufi'ers from the inconvenience ofhaving to
`possess a card to be used, a customer’s financial information
`including a tuiique payment card number may be exposed to
`an affiliated shop, a financial accident using a customer’s card
`information may occur, the risk of the illegal reproduction of
`payment card information by a third party is increasing, and
`the possibility ofthe divulgence of personal information may
`not be avoided.
`
`Ftuthermore, although a customer always desires to
`[0015]
`select an optimtun payment method that enables payment to
`be made at a minimum amount and to make payment using
`the optimum payment method, it is difficult to easily become
`aware of a variety of benefit information, that is, discount
`information, membership point information, coupon infor-
`mation, etc., required for payment, and thus a case where the
`customer is not satisfied with the results of payment occurs.
`
`DISCLOSURE
`
`Technical Problem
`
`[0016] Accordingly, the present invention has been made
`keeping in mind the above problems occurring in the prior art,
`and an object ofthe present invention is to provide a complex
`payment system and method using a portable terminal, which
`are capable of, upon making payment, receiving payment
`information registered in a vendor server or infomiation
`recorded in a dongle and making payment without possessing
`a card.
`
`[0017] Another object ofthe present invention is to provide
`a complex payment system and method using a portable
`
`
`
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`US 2014/0297381A1
`
`Oct. 2, 2014
`
`terminal, which are capable of, upon making payment, pre-
`senting optimum payment conditions.
`[0018] A further object of the present invention is to pro—
`vide a complex payment system and method using a portable
`terminal, which are capable of allowing information, such as
`coupon information. registeredby a customer to be stored and
`utilized upon making payment.
`[0019] Yet another object of the present invention is to
`provide a complex payment system and method using a per-
`table terminal, which are capable of allowing information,
`such as the discount benefits and membership card informa-
`tion of an affiliated shop, to be stored and utilized upon
`making payment.
`
`Technical Solution
`
`In order to accomplish the above objects, in accor-
`[0020]
`dance with an embodiment of the present invention, there is
`provided a complex payment system using a portable tenni-
`nal, the complex payment system using an affiliated shop
`terminal configured to generate payment information, a por-
`table terminal configured to execute an e-wallet program and
`to transmit the payment information, and a vendor server
`configured to store one or more pieces ofinformation selected
`from among information about a card to be used for payment
`and coupon information in connection with a terminal iden—
`tification number ofthe portable terminal and discount infor—
`mation and/or membership point information in connection
`with an affiliated shop code as bonus information, wherein
`the portable terminal transmits the payment information to
`the vendor server, and the vendor server analyzes payment
`conditions using one or more pieces of information selected
`from the bonus information so that a minimum payment
`amount can be obtained, and transmits the analyzed payment
`conditions to the portable terminal, thereby allowing payment
`to be made.
`[0021] Upon requesting the payment, the affiliated shop
`terminal may select an electronic wallet as a payment means,
`may request approval of the payment information from the
`vendor server, may receive approved payment information,
`and may then output the approved payment information so
`that the portable terminal can read the approved payment
`information. The vendor server may generate a transaction ID
`(TID) for the payment information requested by the affiliated
`shop terminal, may convert the payment information includ-
`ing the TID into a QR code, and may transmit the QR code.
`[0022] The affiliated shop terminal may generate data in
`order to output the QR code received from the vendor server
`onto one or more of a bill, a monitor of the affiliated shop
`terminal and a screen of a sign pad or to store the TID and the
`payment information in a wireless ta g.
`[0023]
`In accordance with another embodiment of the
`present invention, there is provided a complex payment sys-
`tem using a portable terminal, including a portable tenninal
`configured to execute an c-wallct program, and to transmit
`payment information; an affiliated shop terminal configured
`to, upon requesting payment, output information about trans—
`action data so that the portable terrninal can read the infor—
`mation about transaction data; and a vendor server configured
`to receive information about a card or a coupon issued to the
`portable terminal and store the information about a card or a
`coupon in cormection with a unique identification number of
`the corresponding portable terminal, and to receive discotuit
`information or membership point information from the affili-
`ated shop terminal and store the received discount informa-
`
`tion or membership point information in connection with a
`corresponding affiliated shop code; wherein the vendor server
`is operative to, when the portable terminal requests payment,
`analyze payment conditions using one or more pieces of
`information selected from among card information, discount
`information, membership point
`information and coupon
`information so that a minimum payment amount can be
`obtained, and transmit the analyzed payment conditions to the
`portable terminal.
`
`In order to accomplish the above objects, in accor—
`[0024]
`dance with an embodiment of the present invention, there is
`provided a complex payment method using a portable termi-
`nal,
`the method using a portable tenninal configured to
`execute an e-wallet program and transmit payment informa-
`tion, a vendor server configured to store one or more pieces of
`information selected from among information about a card to
`be used for payment and coupon information in connection
`with a terminal identification number ofthe portable terminal
`and discount information andIor membership point informa—
`tion in connection with an affiliated shop code as bonus
`information, and an affiliated shop terminal configured to,
`upon requesting payment, output information about transac—
`tion data so that the portable terminal can read the information
`about transaction data, the method including (a) transmitting,
`by the portable temiinal, payment information to the vendor
`server; (b) generating, by the vendor server, payment condi-
`tions using one or more pieces of information selected from
`the bonus information based on a transmitted payment
`amount so that a minimum payment amount can be obtained;
`and (c) making, by the vendor server, payment based on the
`generated payment conditions.
`
`Payment conditions may be generated using one or
`[0025]
`more pieces of information selected from among card infor—
`mation, discount information, membership point information
`and coupon information of the bonus information so that the
`minimum payment amount can be obtained.
`[0026I
`In accordance with still another embodiment of the
`present invention, there is provided a complex payment sys-
`tem using a portable terminal, including an affiliated shop
`terminal of an affiliated shop configured to generate payment
`information including a payment amount; a portable terminal
`configured to read the payment information from the affili—
`ated shop terminal of the affiliated shop and then transmit the
`read payment information, and to store information about an
`issued card or coupon; and a vendor server configured to
`receive discount information and/or membership point infor-
`mation from the affiliated shop terminal of the affiliated shop,
`to store the discount infonnation and/or the membership
`point information in comiection with a corresponding affili-
`ated shop code, and to make payment in conjunction with a
`card company; wherein when the portable terminal reads the
`paymen information from the affiliated shop terminal and
`then requests payment, the vendor server transmits discount
`inforina ion and/or membership point information of a cor-
`responding affiliated shop, and the portable terminal analyzes
`paymen conditions using one or more pieces of infomiation
`selected from among discount
`information, membership
`point information, card information, and/or coupon informa-
`tion received from the vendor server so that a minimum
`paymen amount can be obtained, and displays the analyzed
`paymen conditions, the payment conditions being config-
`ured to be transmitted to the vendor server, thereby allowing
`paymen to be made based on the payment conditions.
`
`
`
`
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`US 2014/0297381Al
`
`Oct. 2, 2014
`
`Li.)
`
`In accordance with still another embodiment of the
`[0027]
`present invention, there is provided a composite payment
`method using a portable terminal, the method using an affili—
`ated shop terminal of an affiliated shop configured to generate
`payment information including a payment amount, a portable
`terminal configured to execute an e-wallet program, to read
`payment information from the affiliated shop terminal,
`to
`transmit the payment information, and to store information
`about an issued card and/or coupon, and to receive discount
`information and/or membership point information from the
`affiliated shop terminal of the afliliated shop, to store the
`discount information and/or the membership point informa-
`tion in connection with a corresponding affiliated shop code,
`and to make payment in conjunction with a card company, the
`method including (a) requesting, by the portable terminal,
`payment from the vendor server; (b) transmitting, by the
`vendor server, discount information and’or membership point
`information of a corresponding affiliated shop; (c) generat-
`ing. by the portable terminal, payment conditions using one
`or more pieces of information selected from among the dis-
`count information and the membership point information
`received from the vendor server and the stored card and/or
`coupon information so that a minimum payment amount can
`be obtained; and (d) receiving the payment conditions, and
`making, by the vendor server, the payment.
`
`Advantageou s Effects
`
`[0028] The complex payment system and method using a
`portable terminal according to the present invention has the
`advantage of making payments without the leakage of per-
`sonal financial information because upon making payment,
`the information of the vendor server or the dongle is received
`and then payment information is processed.
`[0029]
`Furthemrore,
`the complex payment system and
`method using a portable terminal according to the present
`invention has the advantage of allowing a customer to make
`an appropriate selection in accordance with a situation and
`then make payment because upon making payment, the cus-
`tomer can be presented with optimum payment conditions in
`which discount benefits, such as discount information and/or
`membership information, have been considered.
`[0030] Moreover.
`the complex payment
`system and
`method using a portable terminal according to the present
`invention has the advantage of making payment most eco-
`nomical because coupon information and/or membership
`information are registered and then used and, thus, various
`discount benefits can be automatically received.
`
`DESCRIPTION OF DRAWINGS
`
`FIG. 1 is a diagram illustrating a conventional affili-
`[0031]
`ated shop—centric card payment method that is performed via
`an affiliated shop terminal and a VAN provider;
`[0032]
`FIG. 2 is a diagram of principal components of a
`complex payment system using a portable terminal according
`to an embodiment of the present invention;
`[0033]
`FIG. 3 is a flowchart illustrating the process ofbeing
`issued an affiliated shop card according to the present inven-
`tion;
`FIG. 4 is a flowchart illustrating the process ofbeing
`[0034]
`issued a membership card according to the present invention;
`[0035]
`FIG. 5 is a flowchart illustrating the process of reg-
`istering an affiliated shop according to the present invention;
`
`F G. 6 is a flowchart illustrating the process of reg-
`[0036]
`istering an affiliated shop benefit and advertisement accord-
`ing to the present invention;
`[0037]
`F G. 7 is a flowchart illustrating the process of reg-
`istering coupon information according to the present inven—
`tion;
`F G. 8 is a flowchart illustrating the process of pro—
`[0038]
`cessing payment according to the present invention;
`[0039]
`F G. 9 is a diagram illustrating an example of an
`initial screen that is displayed when an electronic wallet
`according to the present invention is run;
`[0040]
`F G. 10 is a diagram illustrating a card issuance
`screen according to the present invention in detail;
`[0041]
`F G. 11 is a diagram illustrating a search screen
`according to the present invention in detail; and
`[0042]
`F G. 12 is a diagram illustrating a membership
`screen according to the present invention in detail.
`
`
`
`MODE FOR INVENTION
`
`[0043] The terms and words used in the present specifica-
`tion and the attached claims should not be limitedly inter-
`preted as having their common meanings or those found in
`dictionaries, but should be interpreted as having meanings
`suitable for the technical spirit ofthe present invention based
`on the principle that an inventor may appropriately define the
`concepts of terms in order to describe his or her invention in
`the best way.
`the specification, when an element
`[0044] Throughout
`“includes” another element,
`it means that
`the element
`excludes other elements but may further include other ele-
`ments as long as the opposite description is not particularly
`made. Furthermore, the term “unit,” “—or(er),” “module,” or
`“device” described in the specification refers to a unit com—
`ponent configured to process at least one function or opera-
`tion. A unit, a -or(er). a module, or a device may be imple-
`mented using hardware, software or a combination of
`hardware and software.
`[0045] The terms used hereinbelow will be described as
`follows:
`[0046] The term “transaction identification” is also referred
`to as a TID, and is a unique transaction number that is gen—
`erated when a portable terminal, such as a smart phone, or an
`affiliated shop terminal requests payment. A TID generally
`has 40 digits, and is used upon tracking error, making a
`search, or canceling a transaction.
`[0047] The term “affiliated shop code” refers to a code that
`is assigned to each affiliated shop registered in the vendor
`server of Harex and includes English letters, numbers or a
`combination thereof. The vendor server identifies the affili-
`ated shop using this affiliated shop code, and generates a TID
`when a corresponding transaction occurs and stores and man-
`ages requested transaction data in connection with the corre-
`sponding affiliated shop code.
`[0048] The term “terminal identification number” refers to
`the identification number of a portable terminal, such as a
`smart phone. A unique identification number identified for
`each portable terminal and a personal ID used for the authen-
`tication of each portable terminal are all used as the terminal
`identification number.
`[0049] The term “bonus information” refers to additional
`information that is used upon making payment, that is, one or
`more pieces of information selected from among coupon
`information in connection with a terminal identification num-
`
`
`
`Google LLC v. RFCyber Corp. / Page 12 of 22
`
`GOOG-1010
`
`GOOG-1010
`Google LLC v. RFCyber Corp. / Page 12 of 22
`
`PGR2022-00003
`Apple EX1010 Page 12
`
`

`

`US 2014/0297381Al
`
`Oct. 2, 2014
`
`ber and discount information and/or membership point infor-
`mation in connection with an afiiliated shop code.
`[0050] An embodiment of the present invention will be
`described with reference to the drawings.
`[0051]
`FIG. 2 is a diagram of principal components of a
`complex payment system using a portable terminal according
`to an embodiment of the present invention. As illustrated in
`this drawing, the complex payment system using a portable
`terminal may be configured to include an afliliated shop ter—
`minal 120 configured to generate and provide payment infor—
`mation; a portable terminal 110 configured to execute an
`e-wallet program,
`to receive payment information and to
`request approval of payment; and a vendor server 130 con-
`figured to store information about a card to be used for pay-
`ment and coupon information for the terminal identification
`number of the portable terminal 110, to store one or more
`pieces of information, such as discount
`information and
`membership point
`information, as bonus information in
`accordance with an afliliated shop code, and to request
`approval from a corresponding card company server 150 over
`the Internet 160 in response to the request for payment from
`the portable terminal 110.
`[0052] When a customer attempts to make payment using
`the portable terminal 11 0, the complex payment system using
`a portable terminal operates to execute an e—wallet program
`(hereinafter referred to as the “mobile wallet app”) installed
`in the corresponding terminal, to request optimum payment
`conditions by transmitting payment information read from a
`QR code or a wireless tag (an RF tag, an NFC tag, or the like),
`which is provided by the afliliated shop terminal 120, to the
`vendor server 130, to receive and display optimum payment
`conditions including a minimum payment amount received
`from the vendor server 130, and to request final payment from
`the vendor server 130 by transmitting the determined opti-
`mum payment conditions to the vendor server 130, thereby
`allowing payment to be made.
`[0053] A smart electronic wall used in the portable terminal
`110 is obtained by downloading and installing a “mobile
`wallet app” program.
`[0054] The customer Visits an app store or an app market-
`place to install a “smart wallet app” program on the portable
`terminal 110, downloads and installs the “smart wallet app”
`program, and executes a “mobile wallet app,” so that an
`e-wallet program is run.
`[0055] That is, when the “mobile wallet app,” which is an
`e-wallet program, is executed on the portable terminal 110,
`the following operation is performed As illustrated in the
`drawing of FIG. 9 illustrating an initial screen that is dis-
`played when the electronic wallet of the present invention is
`run as an example, when the “mobile wallet app” is executed,
`one or more of a “payment” box which can be selected upon
`making payment, a “card issuance” box which can be selected
`upon requesting the issuance of a new card, a “search“ box
`through which information about a possessed card, a pos-
`sessed coupon or the like can be searched for, and a “coupon
`collection” box through which information about coupons or
`the like can be collected are displayed on the initial screen.
`[0056]
`For example, when the “payment” box is selected,
`an RF (NFC) reader or a QR code reader may be activated and
`read information recorded in an RF (NFC) tag or a QR code
`in which payment infonnation has been recorded, and the
`read information may be displayed on a screen and then used
`for payment. Meanwhile, when the customer executes the
`electronic wallet, the electronic wallet is mostly used for
`
`payment. Therefore, it is preferred that information be auto-
`matically read from an RF (NFC) tag or a QR code when the
`“mobile wallet app” is executed on the portable terminal 110
`(or when the wallet app is automatically executed by touching
`an NFC dongle).
`[0057] When the customer selects the “card issuance” box,
`the types of cards that the customer can be issued are listed in
`a form in which a “credit card“ box, “membership card” box,
`“debit card” box, and a “gift card” box are displayed, so that
`the customer can be issued a necessary card, as illustrated in
`the drawing ofFlG. 10 illustrating the card issuance screen of
`the present invention in greater detail.
`[0058] A detailed card issuance method will be described
`below.
`Furthermore, When the “search” box is selected on
`[0059]
`the initial screen on which the “mobile wallet app” is
`executed, cards to be issued are displayed using boxes for the
`types of cards (a credit card, a debit card, a gift card, a
`membership card, a coupon, etc.), as illustrated in the drawing
`of FIG. 11 illustrating the search screen ofthe present inven-
`tion in greater detail. For example, when the “membership
`card” is selected, the types of membership card that the cus—
`tomer has been issued are listed in a form in which a “KB—
`Outback card”, “a Shinhan—Starbucks card” and a “Hana—
`Enclean card" are displayed, as illustrated in the drawing of
`31G. 12 illustrating the membership screen of the present
`invention in greater detail.
`[0060]
`Furthermore, it will be apparent that when any one is
`selected from among the above cards, information required
`or the use ofthe card, such as the details ofpayment made by
`the corresponding card and available afliliated shops, may be
`made to be displayed.
`[0061] Although information displayed in the “search” box
`may be stored and displayed in and on the portable terminal
`110 itself, it is preferred that when the “mobile wallet app” is
`executed, the port