KR102435446B1 - Electronic device and payment method using the same - Google Patents

Abstract

According to various embodiments of the present disclosure, a portable electronic device includes: a first cover constituting a front surface of the electronic device; a second cover constituting a rear surface of the electronic device; a memory included in a space formed between the first cover and the second cover; a display device at least partially included in the space and exposed through the first cover; a processor included in the space and electrically connected to the memory; and at least one loop antenna contained in the space and electrically coupled to the processor, wherein the memory, when executed, causes the processor to: may include instructions for storing a magnetic field signal including data corresponding to at least two of the track 1, track 2, and track 3 through the at least one loop antenna during one period. .

Description

Electronic device and payment method using the same

Various embodiments of the present disclosure relate to an electronic device and a payment method through which the device communicates with a card reading device.

Various embodiments of the present invention relate to an electronic device, for example, an electronic device equipped with a payment function, and a payment method using the same.

In general, a card reading device (ie, a point of sales (POS) terminal) includes a header and a coil for reading information on a track of a magnetic card. A track is card data recorded on a magnetic strip line (eg, a magnetic black line) of a magnetic card, and has an SS (start sentinel), ES (end sentinel), and LRC (longitudinal redundancy check character). have.

When the track is swiped at the position of the header of the rail portion of the card reading device, the magnetic force line passing through the coil connected to the header is changed. A current corresponding to the change in the magnetic field lines is generated in the card reading device, and the card reading device can read and process card data recorded in the track from this current.

The electronic device may include a module for magnetic field communication. The electronic device may perform magnetic field communication with another device through such a module.

A magnetic card can have multiple tracks. The card reading device may have several reader channels to read each track information. When physically swiping the card to the reader device, each track can be delivered to each channel.

Various embodiments of the present invention provide an electronic device capable of recognizing credit card information, etc. even through a point of sales (POS) terminal (reader) of a magnetic reading type, and a payment method using the same. can

Most POS terminals (leaders) used in the market can proceed with payment when valid data is transmitted to one of the channels. However, some readers may receive an error or ignore the received data when transmitting data to the MST by processing payment only when each data is transmitted to channels (eg, channels 1 and 2). Since the MST wirelessly generates a magnetic field and transmits data, the range of pulse timing that the reader can recognize may vary depending on the shape or location of the reader. So, there may be a reader who cannot pay at a specific pulse timing.

Various embodiments of the present invention may provide a method for performing payment through a reader without track collision using MST and an electronic device implementing the same. In addition, various embodiments of the present invention may provide a payment method using a simple MST and an electronic device implementing the same. In addition, various embodiments of the present invention may provide a method and an electronic device implementing the same for performing payment without errors by adjusting the range of pulse timing.

According to various embodiments of the present disclosure, a portable electronic device includes: a first cover constituting a front surface of the electronic device; a second cover constituting a rear surface of the electronic device; a memory included in a space formed between the first cover and the second cover; a display device at least partially included in the space and exposed through the first cover; a processor included in the space and electrically connected to the memory; and at least one loop antenna contained in the space and electrically coupled to the processor, wherein the memory, when executed, causes the processor to: may include instructions for storing a magnetic field signal including data corresponding to at least two of the track 1, track 2, and track 3 through the at least one loop antenna during one period. .

A method of operating an electronic device according to various embodiments of the present disclosure may include displaying an object related to a card for payment; performing user authentication in response to a user's payment request; and when the user authentication is completed, controlling the magnetic field communication module to transmit a magnetic field signal including data corresponding to at least two of track 1, track 2, and track 3 of the magnetic card during one period.

According to various embodiments of the present disclosure, a portable electronic device includes: a housing including a first surface and a second surface facing in a direction opposite to the first surface; a user interface device exposed through the first surface; a memory contained within the housing; a processor contained within the housing and electrically coupled to the user interface device and the memory; and at least one conductive pattern included in the housing or formed by a part of the housing and electrically connected to the processor. The memory may at least temporarily store the first payment information in the first format and the second payment information in the second format. When the memory is executed, the processor generates a sequence of a plurality of signals using the first payment information and/or the second payment information, and generates the sequence of the plurality of signals through the conductive pattern. Instruction for transmitting externally is stored, and at least one of the plurality of sequences of signals may include pulses indicating all of the first payment information and/or the second payment information.

Various embodiments of the present disclosure may provide an electronic device capable of paying a cost by transmitting payment information to a card reading device by loading a magnetic field signal. Alternatively, various embodiments of the present invention may provide a portable electronic device that allows payment of costs, etc. as if using a magnetic card, without an error in the card reading device. Accordingly, offline mobile payment may be more activated.

1A is a block diagram illustrating a configuration of a portable electronic device according to various embodiments of the present disclosure;
1B is a block diagram of an electronic device capable of performing a payment function, according to various embodiments of the present disclosure;
2A is a diagram illustrating an MST signal transmitted through an MST module according to various embodiments of the present invention. FIG. 2B is a diagram illustrating a case in which the pulse timing of the MST signal of FIG. 2A is different according to various embodiments of the present disclosure;
3 is a diagram illustrating character strings included in a track according to various embodiments of the present disclosure.
4 is a view showing a binary string in which the information of FIG. 3 is encoded according to various embodiments of the present document.
5 is a diagram illustrating track information transmitted through an MST signal according to various embodiments of the present document.
6 is a diagram illustrating a method of including a plurality of track information in an MST signal according to various embodiments of the present disclosure.
7 is a diagram illustrating a method of a simple transmission sequence and a complex transmission sequence according to various embodiments of the present disclosure.
8 is a block diagram of an electronic device capable of performing a payment function using MST, according to various embodiments of the present disclosure.
9 is a measurement of a signal transmitted through an MST output module and a signal received from an external device according to various embodiments of the present disclosure.
10 is a view showing the structure of various loop antennas according to various embodiments of the present document.
11 illustrates a payment system according to various embodiments of the present invention.
12 is a block diagram illustrating a payment system according to various embodiments of the present invention.
13 illustrates a payment user interface of an electronic device, according to various embodiments of the present disclosure.
14 illustrates a payment user interface of an electronic device according to various embodiments of the present disclosure.
15 is a structural diagram of a portable electronic device including an antenna for magnetic payment and an antenna according to various embodiments of the present disclosure.
16A and 16B are block diagrams of an MST module having one antenna, according to various embodiments of the present invention.
17A and 17B are block diagrams of an MST module having two loop antennas, according to various embodiments of the present invention.
18 schematically illustrates a loop antenna according to various embodiments of the present invention.
19A to 19G schematically show the structure of a loop antenna according to various embodiments of the present invention.
20A and 20B schematically show the structure of a loop antenna according to various embodiments of the present invention.
21A and 21B schematically illustrate a plurality of loop antennas according to various embodiments of the present invention.
22A and 22B schematically illustrate a plurality of coil antennas in accordance with various embodiments of the present invention.
23 to 25 are block diagrams of hardware inside an electronic device including a plurality of MST modules according to various embodiments of the present disclosure.
26 to 28 are block diagrams of hardware inside an electronic device that can use at least one module among a plurality of MST modules in common with other wireless local area communication according to various embodiments of the present disclosure.
29 schematically shows an antenna device according to various embodiments of the present invention.
30 is a diagram schematically illustrating a plurality of coil antennas in an electronic device according to various embodiments of the present disclosure, and illustrating strengths and shaded regions of magnetic fields generated by the plurality of coil antennas.
31A and 31B are diagrams schematically illustrating a plurality of coil antennas in an electronic device according to various embodiments of the present disclosure, and illustrating strengths and shaded regions of magnetic fields generated by the plurality of coil antennas, respectively.
32 is a diagram illustrating a method of using a plurality of coil antennas according to various embodiments of the present invention.
33A, 33B, and 33C illustrate a format of data recorded in tracks of a magnetic card, respectively, according to various embodiments of the present invention.
34A and 34B are diagrams for explaining a data transmission method according to various embodiments of the present invention.
35 is a flowchart illustrating a payment method according to various embodiments of the present disclosure.
36 is a block diagram of an electronic device according to various embodiments of the present disclosure;
37 is a block diagram of a program module according to various embodiments of the present invention.

Hereinafter, various embodiments of the present document will be described with reference to the accompanying drawings. However, it is not intended to limit the technology described in this document to specific embodiments, and it should be understood to include various modifications, equivalents, and/or alternatives of the embodiments of this document. . In connection with the description of the drawings, like reference numerals may be used for like components.

In this document, expressions such as "has," "may have," "includes," or "may include" refer to the presence of a corresponding characteristic (eg, a numerical value, function, operation, or component such as a part). and does not exclude the presence of additional features.

In this document, expressions such as "A or B," "at least one of A and/and B," or "one or more of A or/and B" may include all possible combinations of the items listed together. . For example, "A or B," "at least one of A and B," or "at least one of A or B" means (1) includes at least one A, (2) includes at least one B; Or (3) it may refer to all cases including both at least one A and at least one B.

As used herein, expressions such as "first," "second," "first," or "second," may modify various elements, regardless of order and/or importance, and refer to one element. It is used only to distinguish it from other components, and does not limit the components. For example, the first user equipment and the second user equipment may represent different user equipment regardless of order or importance. For example, without departing from the scope of the rights described in this document, a first component may be referred to as a second component, and similarly, the second component may also be renamed as a first component.

A component (eg, a first component) is "coupled with/to (operatively or communicatively)" to another component (eg, a second component) When referring to "connected to", it will be understood that the certain element may be directly connected to the other element or may be connected through another element (eg, a third element). On the other hand, when it is said that a component (eg, a first component) is "directly connected" or "directly connected" to another component (eg, a second component), the component and the It may be understood that other components (eg, a third component) do not exist between other components.

As used herein, the expression "configured to (or configured to)" depends on the context, for example, "suitable for," "having the capacity to ," "designed to," "adapted to," "made to," or "capable of." The term “configured (or configured to)” may not necessarily mean only “specifically designed to” in hardware. Instead, in some circumstances, the expression “a device configured to” may mean that the device is “capable of” with other devices or parts. For example, the phrase “a processor configured (or configured to perform) A, B, and C” refers to a dedicated processor (eg, an embedded processor) for performing the operations, or by executing one or more software programs stored in a memory device. , may mean a generic-purpose processor (eg, a CPU or an application processor) capable of performing corresponding operations.

The term “screen” used in this document may refer to a screen of a display unit. For example, in sentences such as "the card (image) is displayed on the screen", "the display unit displays the card on the screen" or "the control unit controls the display unit to display the card on the screen", the screen is "screen of the display unit" will be used as Meanwhile, the term “screen” may refer to an object displayed on the display unit. For example, in sentences such as "the card screen is displayed", "the display unit displays the card screen" or "the controller controls the display unit to display the card screen", the screen is used as a display target.

Terms used in this document are only used to describe specific embodiments, and may not be intended to limit the scope of other embodiments. The singular expression may include the plural expression unless the context clearly dictates otherwise. Terms used herein, including technical or scientific terms, may have the same meanings as commonly understood by one of ordinary skill in the art described in this document. Among the terms used in this document, terms defined in a general dictionary may be interpreted with the same or similar meaning to the meaning in the context of the related art, and unless explicitly defined in this document, ideal or excessively formal meanings is not interpreted as In some cases, even terms defined in this document cannot be construed to exclude embodiments of the present document.

The electronic device according to various embodiments of the present document may include, for example, a smartphone, a tablet personal computer, a mobile phone, a video phone, and an e-book reader. , desktop personal computer, laptop personal computer, netbook computer, workstation, server, personal digital assistant (PDA), portable multimedia player (PMP), MP3 player, mobile It may include at least one of a medical device, a camera, and a wearable device. According to various embodiments, the wearable device may be an accessory type (eg, a watch, ring, bracelet, anklet, necklace, eyeglass, contact lens, or head-mounted-device (HMD)), a fabric or an integral piece of clothing ( It may include at least one of, for example, electronic clothing), a body attachable type (eg, a skin pad or tattoo), or a bioimplantable type (eg, an implantable circuit).

In some embodiments, the electronic device may be a home appliance. Home appliances are, for example, televisions, digital video disk (DVD) players, audio systems, refrigerators, air conditioners, vacuum cleaners, ovens, microwave ovens, washing machines, air purifiers, set-top boxes, home automation controls. panel (home automation control panel), security control panel, TV box (e.g. Samsung HomeSync™, Apple TV™, or Google TV™), game console (e.g. Xbox™, PlayStation™), electronic dictionary, electronic key, camcorder (camcorder), or may include at least one of an electronic picture frame.

In another embodiment, the electronic device may include various medical devices (eg, various portable medical measuring devices (eg, a blood glucose meter, a heart rate monitor, a blood pressure monitor, or a body temperature monitor), magnetic resonance angiography (MRA), magnetic resonance imaging (MRI), Computed tomography (CT), imagers, or ultrasound machines, etc.), navigation devices, satellite navigation systems (global navigation satellite system (GNSS)), event data recorder (EDR), flight data recorder (FDR), automotive infotainment ) devices, ship electronic equipment (e.g. ship navigation devices, gyro compasses, etc.), avionics, security devices, vehicle head units, industrial or domestic robots, automatic teller's machines (ATMs) in financial institutions. , point of sales (POS) in stores, or internet of things (e.g. light bulbs, sensors, electricity or gas meters, sprinkler devices, smoke alarms, thermostats, street lights, toasters) , exercise equipment, hot water tank, heater, boiler, etc.) may include at least one.

According to some embodiments, the electronic device is a piece of furniture or part of a building/structure, an electronic board, an electronic signature receiving device, a projector, or various measuring instruments (eg, water, electricity, gas, or a radio wave measuring device). In various embodiments, the electronic device may be a combination of one or more of the various devices described above. The electronic device according to an embodiment may be a flexible electronic device. In addition, the electronic device according to the embodiment of the present document is not limited to the above-described devices, and may include a new electronic device according to technological development.

The electronic device according to various embodiments of the present document may be a combination of one or more of the various devices described above. Also, the electronic device according to various embodiments of the present document may be a flexible device. Also, it is apparent to those skilled in the art that the electronic device according to various embodiments of the present document is not limited to the above-described devices.

An electronic device according to various embodiments of the present disclosure may generate a magnetic field signal. For example, the magnetic field signal generated by the electronic device may be a signal in a form similar to the magnetic field signal generated while the magnetic card is swiped on a card reader of a card reading device (eg, point of sale (POS) reader). have. For example, a user may pay a fee without a magnetic card by bringing the electronic device generating the magnetic field signal into proximity or contact with the card reading device.

The magnetic field communication method may include near field communication (NFC) and magnetic secure transmission or near field magnetic data stripe transmission (MST). These schemes may have different data rates (bit/sec), communication ranges, and frequencies.

Hereinafter, an electronic device according to various embodiments will be described with reference to the accompanying drawings. In this document, the term user may refer to a person who uses an electronic device or a device (eg, an artificial intelligence electronic device) using the electronic device.

1A , an electronic device 11 in a network environment 10 is described, in various embodiments. The electronic device 11 may include a bus 18 , a processor 12 , a memory 13 , an input/output interface 15 , a display 16 , and a communication interface 17 . In some embodiments, the electronic device 11 may omit at least one of the components or may additionally include other components.

Bus 18 may include, for example, circuitry that interconnects components 12, 13, 15-18 and carries communications (eg, control messages and/or data) between the components. have.

The processor 12 may include one or more of a central processing unit (CPU), an application processor (AP), or a communication processor (CP). The processor 12 may, for example, execute an operation or data processing related to control and/or communication of at least one other component of the electronic device 11 .

The memory 13 may include volatile and/or non-volatile memory. The memory 13 may store, for example, commands or data related to at least one other component of the electronic device 11 . According to one embodiment, the memory 13 may store software and/or a program 14 . Program 14 may include, for example, kernel 14A, middleware 14B, application programming interface (API) 14C, and/or application program (or "application") 14D, etc. may include At least a portion of the kernel 14A, the middleware 14B, or the API 14C may be referred to as an operating system (OS).

Kernel 14A is, for example, system resources used to execute an operation or function implemented in other programs (eg, middleware 14B, API 14C, or application program 14D) (eg, : the bus 18, the processor 12, or the memory 13, etc.) can be controlled or managed. In addition, the kernel 14A provides an interface capable of controlling or managing system resources by accessing individual components of the electronic device 11 from the middleware 14B, API 14C, or application program 14D. can

The middleware 14B may, for example, perform an intermediary role so that the API 14C or the application program 14D communicates with the kernel 14A to exchange data.

Also, the middleware 14B may process one or more work requests received from the application program 14D according to priority. For example, the middleware 14B may use a system resource (eg, the bus 18 , the processor 12 , or the memory 13 ) of the electronic device 11 for at least one of the application programs 14D. You can give priority. For example, the middleware 14B may perform scheduling or load balancing for the one or more work requests by processing the one or more work requests according to the priority given to the at least one.

The API 14C is, for example, an interface for the application 14D to control functions provided by the kernel 14A or the middleware 14B, for example, file control, window control, image processing, or text. It may include at least one interface or function (eg, a command) for control and the like.

The input/output interface 15 may serve as an interface capable of transmitting, for example, a command or data input from a user or other external device to other component(s) of the electronic device 11 . Also, the input/output interface 15 may output a command or data received from other component(s) of the electronic device 11 to a user or other external device.

The display 16 is, for example, a liquid crystal display (LCD), a flexible display, a transparent display, a light-emitting diode (LED) display, an organic light emitting diode display. organic light-emitting diode (OLED) displays, or microelectromechanical systems (MEMS) displays, or electronic paper displays. The display 16 may, for example, display various contents (eg, text, images, videos, icons, or symbols, etc.) to the user. The display 16 may include a touch screen, and may receive, for example, a touch, gesture, proximity, or hovering input using an electronic pen or a part of the user's body.

The communication interface 17, for example, establishes communication between the electronic device 11 and an external device (eg, the first external electronic device 19A, the second external electronic device 19B, or the server 19C). can For example, the communication interface 17 may be connected to the network 20B through wireless communication or wired communication to communicate with an external device (eg, the second external electronic device 19B or the server 19C).

Wireless communication is, for example, a cellular communication protocol, for example, long-term evolution (LTE), LTE Advance (LTE-A), code division multiple access (CDMA), wideband CDMA (WCDMA), universal (UMTS). At least one of mobile telecommunications system), Wireless Broadband (WiBro), and Global System for Mobile Communications (GSM) may be used. Also, the wireless communication may include, for example, short-range communication 20A. Short-range communication (20A), for example, WiFi (wireless fidelity), Bluetooth (Bluetooth), NFC (near field communication), MST (Magnetic Secure Transmission) or GNSS (global navigation satellite system), such as at least one of. can GNSS is, depending on the region or bandwidth used, for example, GPS (Global Positioning System), Glonass (Global Navigation Satellite System), Beidou Navigation Satellite System (hereinafter referred to as "Beidou") or Galileo, the European global satellite-based navigation system. It may include at least one. Hereinafter, in this document, "GPS" may be used interchangeably with "GNSS". Wired communication may include, for example, at least one of universal serial bus (USB), high definition multimedia interface (HDMI), recommended standard232 (RS-232), or plain old telephone service (POTS). The network 20B may include at least one of a telecommunications network, for example, a computer network (eg, LAN or WAN), the Internet, or a telephone network.

Each of the first and second external electronic devices 19A and 19B may be the same as or different from the electronic device 11 . According to one embodiment, server 19C may include a group of one or more servers. According to various embodiments, all or part of the operations executed by the electronic device 11 may be executed by one or a plurality of other electronic devices (eg, the electronic devices 19A and 19B, or the server 19C). According to an example, when the electronic device 11 is to perform a function or service automatically or upon request, the electronic device 11 instead of or in addition to executing the function or service itself, at least associated therewith Some functions may be requested from another device (eg, electronic device 19A, 19B, or server 19C) Another electronic device (eg, electronic device 19A, 19B, or server 19C) may request the requested function. The function or additional function may be executed and the result may be transmitted to the electronic device 11. The electronic device 11 may process the received result as it is or additionally to provide the requested function or service. For example, cloud computing, distributed computing, or client-server computing techniques may be used.

FIG. 1B is a configuration diagram of an electronic device (eg, the electronic device 11 ) capable of performing a payment function, according to various embodiments of the present disclosure. According to an embodiment, the electronic device 100 includes, for example, a camera module 101 , an acceleration sensor 103 , a gyro sensor 105 , a biometric sensor 107 , an MST module 110 , and an NFC module ( 120 ), an MST control module 130 , an NFC control module 140 , a processor 150 , and a memory 160 .

According to an embodiment, the camera module 101 may acquire card information by photographing a card required for payment. The camera module 101 may recognize card information (eg, card company, card number, card expiration date, card owner, etc.) marked on the card through an optical character reader (OCR) function. Alternatively, the user may input necessary card information into the electronic device using an input device (eg, a touch panel, a pen sensor, a key, an ultrasonic input device, or a microphone input device) included in the terminal.

According to an embodiment, the acceleration sensor 103 or the gyro sensor 105 may acquire location information of the electronic device during payment. The obtained location information of the electronic device is transmitted to the processor 150 , and the processor 150 determines the intensity of the current fed to the antenna (eg, coil antenna) of the MST module 110 based on the obtained location information of the electronic device. to adjust the strength of the magnetic field transmitted to the POS terminal or, if there are a plurality of coil antennas, a coil antenna to be used may be selected.

According to one embodiment, the biometric sensor 107 may acquire the user's biometric information (eg, fingerprint or iris) in order to perform authentication of a card or user for payment.

According to one embodiment, the MST module 110 may include a coil antenna. The MST control module 130 may supply voltages in different directions to both ends of the coil antenna according to data (eg, 0 or 1 bit) and control the direction of a current flowing through the coil antenna. A signal (a magnetic field signal by a coil through which current flows) transmitted through the coil antenna may generate an induced electromotive force in the POS terminal in a similar manner to the operation of actually reading the magnetic card into the POS terminal.

According to an embodiment, the MST control module 130 may include a data reception module 131 and an output conversion module 133 . The data receiving module 131 may receive a logical low/high (low/high) form pulse including payment information transmitted by the processor 150 (or a security module inside the electronic device 100). have.

According to an embodiment, the output conversion module 133 may include a circuit for converting the data recognized by the data receiving module 131 into a necessary form in order to transmit it to the MST module 110 . The circuit may include a circuit (H-Bridge) for changing the direction of the voltage supplied to both ends of the MST module 110 .

According to an embodiment, based on card information input through the camera module 101 or an input device (eg, a touch panel, a pen sensor, etc.), the electronic device 100 is configured to communicate via a communication module (not shown). receive payment information contained in at least part of a magnetic stripe of a card (eg magnetic card) from a card company/bank server (eg Track 1, Track 2, Track 3 or token); ) information), it can be stored in the form required by the processor 150 or a separate built-in security module.

2A is an embodiment illustrating an MST signal transmitted through an MST module according to various embodiments of the present invention. FIG. 2B is a diagram illustrating a case in which the pulse timing of the MST signal of FIG. 2A is different. In this document, the term "pulse timing" means a time interval from the start of one pulse to the start of the next, and may be used interchangeably with the terms "pulse duration" .

Referring to FIG. 2A , the electronic device (eg, the electronic device 100) may periodically (T) transmit an MST signal including payment information several times (N times) through the MST module. The transmitted first MST signal 200_1 to nth MST signal 200_n may include a pulse indicating 0 or 1, respectively. For example, if the voltage of the pulse is not changed for a predetermined time t, the time t may represent '0', and if the voltage is changed (if the phase is changed), the period may represent '1'.

According to an embodiment, the MST module may periodically transmit the same MST signal. For example, the MST signal may include payment information included in at least a part of the card. For example, the MST signals 200 , such as the first MST signal 200_1 to the nth MST signal 200_n, each include information of at least a part of track 1, track 2, track 3, or token of a card. can do. For example, each of the first MST signal 200_1 to the nth MST signal 200_n may include information included in at least two or more of track 1, track 2, track 3, and tokens.

According to another embodiment, the MST module may periodically transmit another MST signal. For example, while the MST signals 200 are transmitted, the first MST signal 200_1 to the nth MST signal 200_n may include different track information, respectively. For example, each of the MST signals, for example, the first MST signal 200_1 to the nth MST signal 200_n may include information included in two or more of track 1, track 2, or track 3 of the card. .

While the MST signals 200 are transmitted, each of the MST signals 200_1 to 200_n may have different shapes. For example, the pulse timing or period T may be different for each MST signal.

Referring to FIG. 2B , the electronic device (eg, the electronic device 100 ) may transmit an MST signal including payment information with different pulse timing (t) through the MST module. According to an embodiment, MST signals, for example, the first MST signal 200_1 to the nth MST signal 200_n may have different pulse timings (t). For example, the first MST signal 200_1 may include information on at least a part of track 1, track 2, track 3, or token of the card, and the pulse timing of each pulse thereof may be 300 us. The second MST signal 200_2 includes information on at least a part of track 1, track 2, track 3, or token of the card, and the pulse timing of each pulse thereof may be 500 us. When the pulse timing t is small, an external device (eg, a POS terminal) may receive a signal similar to that when a user quickly swipe a card. When the pulse timing t is large, an external device (eg, a POS terminal) may receive a signal similar to that when a user swipe a card slowly.

According to one embodiment, the period T may be variable. For example, the first MST signal 200_1 and the second MST signal 200_2 may include information on at least a part of track 1, track 2, track 3, or token of the card, respectively, and once per second The first MST signal 200_1 and the second MST signal 200_2 may be transmitted. The third MST signal 200_3 and the fourth MST signal 200_4 may include information of at least a part of track 1, track 2, track 3, or token of the card, respectively, and the third MST signal once every 2 seconds (200_3) and the fourth MST signal 200_4 may be transmitted.

Meanwhile, while the MST signal is transmitted, the NFC module (eg, the NFC module 120 ) may operate in a polling mode.

3 is a character string included in payment data corresponding to payment information (eg, track 1, track 2, track 3, or token information) according to various embodiments of the present disclosure; Yes.

The electronic device (eg, the electronic device 100 ) may transmit a signal including payment data (eg, track information) periodically (eg, once per second) (T) using the MST module. For example, a signal transmitted once per second may include information on track 1 (eg, FIG. 3(a)) or information on track 2 (eg, FIG. 3(b)). For example, a signal transmitted once per second may include at least a part of track 1 information (eg, FIG. 3(a)) or track 2 information (eg, FIG. 3(b)).

4 is an example of displaying a binary string in which the information of FIG. 3 is encoded, according to various embodiments of the present disclosure.

FIG. 4(a) may represent the data of FIG. 3(a) as a binary string. At the end of the data, LRC (longitudinal redundancy check character), for example, "0111000" may be further included. FIG. 4(b) may represent the data of FIG. 3(b) as a binary string. LRC, for example, "11111" may be further included at the end of the data.

5 is an example of displaying track information transmitted through an MST signal according to various embodiments of the present invention.

According to one embodiment, data, for example, “00000000” may be added to the lead and the tail of the binary sequence of FIG. 4A . Accordingly, the data of FIG. 5A may be generated. Data, for example, “00000000” may be added before and after the binary string of FIG. 4B . Accordingly, the data of FIG. 5B may be generated.

According to an embodiment, the electronic device (eg, the electronic device 100) may transmit one piece of track information through the MST module during one period T. Such a transmission method may be referred to as a simple sequence. For example, the terminal transmits an MST signal including information of track 1 (eg, data of FIG. 5(a)) or information of track 2 (eg, data of FIG. 5(b)) for one period (T) can do. As another example, a plurality of track information may be included and transmitted during one period T. Such a transmission method may be referred to as a complex sequence, and embodiments for implementing it will be described below.

6 shows an embodiment in which a plurality of track information is included in an MST signal.

According to one embodiment, referring to FIG. 6( a ), the terminal sequentially connects (lumping) the Track1 data 601 of FIG. 5(a) and the Track2 data 602 of FIG. 5(b) to form one It is composed of data, and the configured data can be transmitted for one period (T). For example, at least one MST signal among the MST signals 200 of FIG. 2A may include the data of FIG. 6A .

According to another embodiment, referring to FIG. 6B , the terminal may configure at least a portion of the MST signal in the reverse order of at least one track data. For example, the terminal constructs the Track1 data of FIG. 5(a) in the reverse order to generate the reverse Track1 data 603, and the Track2 data 604 and the reverse Track1 data 603 of FIG. 5(b). may be sequentially connected (lumping) to constitute one data, and the configured data may be transmitted during one period (T). The reverse Track1 data 603 may represent the same result as the user swiping the card in the opposite direction.

According to another embodiment, referring to Fig. 6 (c), the Track2 data 602 of Fig. 5 (b), the reverse Track1 data 603 composed of the Track1 data of Fig. 5 (a) in the reverse order (Reverse), And again, by sequentially connecting (lumping) the Track2 data 602 of FIG. 5(b), one data can be configured, and the configured data can be transmitted for one period (T). Combination of track data is mentioned In addition to the illustrated embodiment, it may be configured in various forms. For example, Track2 data and inverted Track2 data may be sequentially connected.

Utilizing the above embodiment, the electronic device may include various types of track information in at least one MST signal among the MST signals 200 periodically transmitted through the MST module.

7 is a diagram illustrating an embodiment of a simple transmission sequence and a complex transmission sequence according to an embodiment of the present invention.

Referring to FIG. 7 , the electronic device (eg, the electronic device 100 ) may first perform a first simple sequence 710 . For example, the electronic device periodically transmits the MST signal including the track 2 information (eg, the data of FIG. 5(b) ) 4 times consecutively (eg, once in 1 second (T1) 4 times) periodically (T1). ) can be sent. Here, the width W1 of the MST signal may be determined by the pulse timing of the pulse of the MST signal. For example, the pulse timing of the first simple transmission sequence 710 may be determined to be 300us.

Next, the electronic device may perform the first complex sequence 720 . For example, the electronic device sequentially connects the information of the track 1 and the reverse track 2 (eg, the track 1 data 601 and the track 2 data 602 ) of the reverse track 2 data in the reverse order periodically (T2). ) can be transmitted 4 times consecutively. The electronic device may reduce the pulse timing of the first composite sequence 720 so that the period T2 is equal to the period T1 . As another example, the electronic device may make the pulse timing of the first complex sequence 720 the same as the pulse timing of the first simple sequence 710 . Then, since the amount of information to be transmitted in the period T2 is greater than that of T1, the width W2 becomes wider than that of W1. Accordingly, if the intervals I2 and I1 are set to be the same, the period T2 may be longer than the period T1. However, the electronic device may make the period T2 equal to the period T1 by making the interval I2 smaller than the period I1.

Next, the electronic device may perform the second simple sequence 730 . For example, the electronic device may transmit the MST signal including the information of the track 2 (eg, the data of FIG. 5B ) four times consecutively in a period T3. In this case, the pulse timing may be longer than the pulse timing of the first simple sequence 710 . For example, if the pulse timing of the first simple sequence 710 is 300us, the pulse timing of the second simple sequence 730 may be 500us.

Next, the electronic device may perform the second complex sequence 740 . For example, the electronic device sequentially connects the information of the track 1 and the reverse track 2 (eg, the data of FIG. 5A and the data of FIG. 5B ) in the reverse order periodically (T4). ) can be transmitted 4 times consecutively. In this case, the pulse timing may be longer than the pulse timing of the first composite sequence 720 . For example, if the pulse timing of the first composite sequence 720 is 300us, the pulse timing of the second composite sequence 740 may be 500us.

According to various embodiments of the present disclosure, the electronic device (eg, the MST control module 130 of the electronic device 100 ) may adjust the pulse timing. As another example, the electronic device (eg, the MST control module 130 of the electronic device 100 ) may perform periodic adjustment of the MST signal. As another example, the electronic device may perform a simple sequence. As another example, the electronic device may perform a complex sequence. As another example, the electronic device may combine a simple sequence and a complex sequence. For example, the electronic device may generate a total of 16 times for 20 seconds by combining the simple sequence and the complex sequence, as shown in FIG. 7 . Here, the number of occurrences and the time "16 times 20 seconds" are design changes and do not limit the technical spirit of the present invention. The MST signal may have different characteristics from other MST signals in at least one of the type, period, and pulse timing of data included therein. For example, the MST signal may have a signal transmission period of 1 second, and other MST signals may have a value other than 1 second.

The MST signal may be changed and transmitted according to the terminal situation. For example, according to an embodiment, the electronic device obtains location information (eg, country code, IP address, GPS information, etc.), recognizes the location of the electronic device using the obtained location information, and signals corresponding to the recognized location. It is possible to determine the conditions of occurrence (eg sequence combination, period, pulse timing). For example, a condition table is previously stored in the memory of the electronic device, and the processor may identify a condition corresponding to the recognized position in the condition table. The electronic device may generate the MST signal based on the determined condition. According to another embodiment, the electronic device may check the remaining battery level or the heat generation state of the battery. When the battery consumption is high or the heat is severe, the simple sequence may be transmitted preferentially. According to another embodiment, the electronic device may transmit the MST signal by changing at least one of a transmission period, a pulse timing, or a sequence according to a cellular communication method. For example, when GSM is implemented in the electronic device, the electronic device may adjust the transmission period of the MST signal so as not to be affected by the TDMA period.

The MST signal may be changed and transmitted by an external device located in the vicinity of the terminal. For example, the electronic device (user terminal) receives characteristics of the POS terminal related to, for example, a track, a transmission period, etc. from a beacon terminal installed in a store, and based on this, at least any one of a transmission period, a pulse timing, or a sequence You can adjust one.

According to an embodiment, the MST signal may be changed and transmitted according to a card type selected in the electronic device for payment. For example, certain types of cards (eg, PLCC (private label credit card) can be used only in certain stores. If you select a card that can be used in a certain store, you can inform an external device (such as a payment server) of the selected card information. In this case, the external device may determine store information using the received card information and transmit MST signal information suitable for the store to the electronic device. The electronic device may use the MST signal information received from the external device , transmission period, pulse timing, or sequence may be changed to transmit the MST signal.According to another embodiment, the MST signal information may be stored in the electronic device. For example, the electronic device may include MST signal information according to the store can be received in advance from an external device (eg, a payment server) In this case, when a card that can be used in a predetermined store is selected, the electronic device determines store information using the selected card information, You can check the MST signal information suitable for the store and transmit the MST signal by changing at least one of the transmission period, pulse timing, or sequence according to the MST signal information.

8 is a block diagram of an electronic device capable of performing a payment function using MST, according to various embodiments of the present disclosure.

According to an embodiment, the MST data transmission module 810 may transmit information necessary for payment (eg, the data of FIG. 5 or 6 ) to the MST control module 820 . The MST data transmission module 810 may be a processor or a secure area (Trustzone, Secure World) inside the processor. The MST data transmission module 810 may be a security module (eSE/UICC) embedded in the electronic device (eg, the electronic device 100). The MST data transmission module 810 controls to enable the MST output module 830 together with the data pulse 811 for a required time (eg, the time required to periodically transmit a predetermined number of MST signals). Signal 812 may be transmitted. According to another embodiment, the MST data transmission module 810 may transmit differential type data having different phases. According to another embodiment, the MST data transmission module 810 divides the track 1, track 2, or track 3 data included in the magnetic card by time and sequentially transmits, or interleaved each data for transmission You may. As another example, the MST data transmission module 210 may transmit at least a portion of the track 1, track 2, or track 3 data upside down (eg, 11110101 is changed to 10101111 by changing the order). As another example, the MST data transmission module 810 sequentially transmits the first simple sequence 710 , the first composite sequence 720 , the first simple sequence 730 , and the second composite sequence 740 of FIG. 7 . may be

According to an embodiment, the data receiving module 822 of the MST control module 820 may recognize the low/high state of the transmitted pulse as data (eg, 0 or 1 bit). Alternatively, it may be recognized as data by checking the number of times of low/high transitions during a specified time. For example, it can be recognized as a 0 (zero) bit if the low/high conversion is 1 for a specified time, and as a 1 (one) bit if it is the 2nd time.

According to an embodiment, the output conversion module 821 of the MST control module 820 converts the recognized data into a required form in order to transmit the data recognized by the data receiving module 822 to the MST module 230 . may include. The circuit may include a first switch S1 , a second switch S2 , a third switch S3 , and a fourth switch S4 . The first switch S1 and the fourth switch S4 may have the same control state, and the second switch S2 and the third switch S3 may have the same control state. The direction of the voltage supplied to both ends of the coil antenna 831 may be changed according to the control state of the switch. In this case, the voltage level supplied to the antenna may be . For example, in the case of a zero bit, the first switch and the fourth switch may be turned on, and the second switch and the third switch may be turned off. or vice versa. The output conversion module 821 changes the direction (direction of current) of the voltage supplied to both ends of the coil antenna L according to the data recognized by the data receiving module 822, and through the coil antenna, an external device (eg. The direction of the magnetic field transmitted to the POS terminal) can be changed. This may be in a form similar to a magnetic field generated while the magnetic card is swiped to the POS terminal. The switches S1 , S2 , S3 , and S4 may include at least one of an N-type transistor (eg, a metal oxide semiconductor field effect transistor (MOSFET), a P-type transistor, and a relay).

According to one embodiment, the MST output module 830 may include a coil antenna (L). The MST output module 830 may further include an inductor, a capacitor, a resistor, and the like. According to another embodiment, the MST output module 830 may further include an amplifier (Amplifier) for amplifying a signal. The coil antenna (L) may be used for NFC or wireless charging. According to another embodiment, there may be a plurality of coil antennas.

9 illustrates an example of a signal transmitted through an MST output module and a signal measurement value received from an external device, according to various embodiments of the present disclosure. Referring to FIG. 9 , when the MST signal 920 including payment data is transmitted through the MST output module (eg, the MST output module 830), the external device (eg, the POS terminal) receives the signal 910 and data may be recognized based on a transition period (Rise Time) of the MST signal. In order to improve the recognition rate of the MST signal, the inductance value and the number of turns (number of turns) of the coil antenna may be optimized. For example, the inductance value may be 10uH or more.

10 shows the structure of various loop antennas of the present invention. According to various embodiments, a loop antenna (eg, a coil antenna) may be implemented in a terminal in various forms.

According to one embodiment, referring to FIG. 10A , the loop antenna 1010 may have a pattern implemented on a flexible PCB (FPCB) 1011 . A current path (dotted line) may be formed through the pattern included in the FPCB 1011 , and may be connected to the MST control module 1012 (eg, the MST control module 820 ). The FPCB 1011 may further include a loop antenna for NFC and wireless charging in addition to the loop antenna for MST.

According to another embodiment, referring to FIG. 10(b) , the loop antenna (coil antenna) 1020 may have a form in which a pattern implemented in the FPCB 1021 and at least a portion of a device of the terminal are connected. For example, a portion 1022 of an exterior (eg, cover) of the terminal may include a conductive material (eg, metal) through which current may flow. In addition, when the part 1022 is separated from (not electrically connected to) other parts, it may be electrically connected to the other part through the connection element 1023 . The connection element 1023 may be a passive element such as an inductor or a capacitor, or a structure including a conductive material.

According to another embodiment, referring to FIG. 10( c ), the loop antenna (coil antenna) 1030 may be in the form of using at least a part 1031 of the device of the terminal. At least a portion of the device of the terminal may include a slit (not shown) to secure inductance necessary for communication. A current path may be formed around the slit to be connected to the MST control module 1012 .

11 illustrates a payment system according to various embodiments of the present invention.

According to various embodiments, the payment system 1100 may include an electronic device 1110 (eg, the electronic device 11 ) and/or a server. For example, the server may include a payment server 1120 , a token server (token service provider; 1130 ), or a financial server (issuer) 1140 . The electronic device 1110 may include, for example, a payment application (wallet application; 1111) and/or payment middleware (1112). The payment server 1120 may include, for example, a payment service server 1121 and/or a token requester server 1122 .

According to various embodiments, the payment application 1111 may include, for example, a Samsung Pay application. The payment application 1111 may provide, for example, a payment-related user interface (eg, a user interface (UI) or a user experience (UX)). The payment-related user interface may include a wallet UI. /UX) For example, the payment application 1111 may provide a user interface related to card registration, payment, or transaction. ), for example, may provide an interface related to card registration through a character reader (eg, optical character reader/recognition (OCR)) or external input (eg, user input). ) may provide, for example, an interface related to user authentication through ID&V (IDentification & Verificaiton).

According to various embodiments, the electronic device 1110 may perform a payment transaction using the payment application 1111 . For example, the payment application 1111 may provide a payment function to the user through Simple Pay or Quick Pay, which omits at least some of the functions included in the application, or a specified application execution. can The user may perform a payment function using the payment application 1111 and receive information related to the payment function from the electronic device 1110 .

According to various embodiments, the payment middleware 1112 may include information related to a card company. For example, the payment middleware 1112 may include a card company software development kit (SDK).

According to various embodiments, the payment server may include a management server for electronic payment or mobile payment. The payment server 1120 may receive payment-related information from the electronic device 1110 and transmit it to the outside or process the payment server 1120 .

According to various embodiments, the payment server 1120 uses the payment service server 1121 and/or the token requestor server 1122 to provide information between the electronic device 1110 and the token server 1130 . can send and receive The payment service server 1121 may include, for example, a payment server 1120 (eg, Samsung payment server). The payment service server 1121 may, for example, manage card information linked to a service account (eg, samsung account) or a user account. In addition, the payment service server 1121 may include an API (application program interface) server (not shown) related to the payment application 1111 . Also, the payment service server 1121 may provide, for example, an account management module (eg, account integration or samsung account integration).

According to various embodiments, the token requestor server 1122 may provide an interface for processing payment related information. For example, the token requestor server 1122 may issue, delete, or activate payment-related information (eg, a token). Alternatively, it may be functionally connected to the payment middleware 1112 to control information required for payment.

According to various embodiments, the payment application 1111 included in the electronic device 1110 and the payment service server 1121 included in the payment server 1120 may be functionally connected. For example, the payment application 1111 may transmit/receive information related to payment to the payment server 1120 . According to one embodiment, the payment middleware 1112 included in the electronic device 1110 and the token requestor server 1122 included in the payment server 1120 may be functionally connected. For example, the payment middleware 1112 may transmit/receive information related to payment to the token requestor server 1122 .

According to various embodiments, the token server 1130 may issue or manage payment-related information (eg, a token). For example, the token server 1130 may control an operation cycle (like cycle) of a token, and the operation cycle may include a creation, modification, or deletion function. In addition, the token server 1130 may include, for example, a token management server, and may manage token provisioning, [ID&V], replenishment, or operation cycle (Life Cycle). , financial server integration can be performed.

According to various embodiments, the payment server 1120 and/or the token server 1130 may be located in the same or similar area or may be located in separate areas. For example, the payment server 1120 may be included in a first server, and the token server 1130 may be included in a second server. Also, for example, the payment server 1120 and/or the token server 1130 may be separately implemented in one server (eg, a first server or a second server).

According to various embodiments, the financial server 1140 may perform card issuance. For example, the financial server 1140 may include a card issuing server. In addition, information required for payment provided to the user may be generated. The user may store information necessary for payment generated by the financial server 1140 in the electronic device 1110 using the payment application 1111 . Also, the financial server 1140 may be functionally connected to the token server 1130 to transmit/receive information necessary for payment.

Although not shown, the electronic device 1110 may transmit track information (Track1/2/3), which is data required for payment, to the payment server 1120 as a bit value.

12 is a block diagram illustrating a payment system according to various embodiments of the present invention.

Referring to FIG. 12 , the payment system 1200 includes an electronic device 1210 (eg, the electronic device 11 ), a payment service server 1220 , a token service provider (TSP) 1230 , and a POS. A terminal 1240 may be included. According to an embodiment, one or more electronic devices may be added to the payment system 1200 . For example, the electronic device 1250 may be a wearable device (eg, a smart watch) capable of being functionally (eg, communication) connectable to the electronic device 1210 , and the electronic device 1260 may be an accessory (eg, loop pay). can

According to an embodiment, the electronic device 1210 may operate a payment function. The electronic device 1210 may register a card (eg, a master card or a Visa card) to the electronic device 1210 or the payment service server 1220 (eg, a first external device) to perform a payment function. In addition to the card registered through the electronic device 1210 , the payment service server 1220 includes a card registered through another electronic device of the user corresponding to the electronic device 1210 (eg, the electronic device 1250 ) or a card of another user. Information on a plurality of registered cards including other registered cards may be managed through the electronic device. According to an embodiment, the payment service server 1220 may obtain token information corresponding to registered card information from the token service provider 1230 (eg, a second external device) and transmit it to the electronic device 1210 .

The token service provider 1230 may issue a token used in the payment process. According to one embodiment, the token may be a value replacing the primary account number (PAN), which is information of the card. According to an embodiment, the token may be generated using a bank identification number (BIN) or the like. The generated token may be encrypted by the token service provider 1230 or transmitted to the payment service server 1220 in an unencrypted state and then encrypted by the payment service server 1220 . After the encrypted token information is transmitted to the electronic device 1210 through the payment service server 1220 , the encrypted token information may be decrypted in the electronic device 1210 . According to an embodiment, the token may be generated and encrypted by the token service provider 1230 and delivered to the electronic device 1210 without going through the payment service server 1220 . According to another embodiment, the payment service server 1220 may include a token generation function, and in this case, the token service provider 1230 may not be used in the payment system 1200 .

The electronic device 1210 may perform payment using at least one of one or more other electronic devices 1250 or 1260 functionally connected based on, for example, short-range communication (eg, Bluetooth or WiFi). According to an embodiment, the other electronic device 1250 (eg, a third external device) may be a wearable device (eg, a smart watch). In this case, the electronic device 1210 performs payment in conjunction with the wearable device. can do. For example, the electronic device 1210 may transmit a card image to the smart watch. In response, the smart watch may transmit a payment command signal to the electronic device 1210 . The electronic device 1210 may receive a payment command signal and transmit an MST signal in response thereto. According to an embodiment, the other electronic device 1260 (eg, a fourth external device) may be an accessory (eg, a loopy fob), and in this case, the electronic device 1210 has its input/output interface (eg, earphone). may be functionally connected to the accessory (eg, loopy fob) through

13 illustrates a payment user interface of an electronic device, according to various embodiments of the present disclosure;

According to an embodiment, the electronic device (eg, the electronic device 11 ) may receive a user input and execute a payment application. For example, the electronic device may execute a payment application (eg, Samsung Pay) in response to a user input 1330 (eg, sweep from the bezel area 1310 to the direction of the display 1320 ). Also, in response to the user input 1330 , the electronic device may display a card image 1340 corresponding to at least one of cards previously registered in the electronic device through the display 1320 .

According to an embodiment, the electronic device may select a card to be used for payment from among a plurality of previously registered cards in response to a user input. For example, in response to a user input 1350 (eg, scroll left and right), the electronic device may select a card to be used for payment, and display a card image 1360 corresponding thereto. The electronic device may request authentication from the user for payment using the selected card. The authentication method may use, for example, the user's biometric information. For example, the electronic device may perform a payment operation by scanning the user's fingerprint 1370 through the fingerprint detection module. For example, when user authentication is completed through the fingerprint detection module, the electronic device may perform a simple sequence (eg, transmit an MST signal including information of track 2 several times).

According to an embodiment, in order to re-perform the payment operation, user authentication may be performed again. For example, when user authentication is completed again after a certain period of time, the electronic device transmits the MST signal again, but may change the method. For example, the electronic device may change the period or pulse timing. Also, information included in the MST signal may be changed to information according to a complex sequence. According to another embodiment, in order to re-perform the payment operation, the user may tag the terminal again after lifting the terminal from the reader. The user's tagging operation may be recognized through various sensors (eg, an acceleration sensor 103 , a gyro sensor 105 , a proximity sensor, a heart rate monitor (HRM) sensor, etc.) provided in the electronic device. In response to the tagging operation, the electronic device may transmit the MST signal by changing at least one of a transmission period, a pulse timing, or a sequence of the MST signal. Whenever a user performs a tagging operation, the electronic device may transmit the MST signal by changing at least one of a transmission period, a pulse timing, or a sequence of the MST signal.

According to an embodiment, when user authentication is completed, the electronic device may simultaneously or sequentially transmit NFC and MST signals. For example, the processor (eg 150) of the electronic device controls the NFC control module (eg 140) and the MST control module (eg 130) to activate the NFC module (eg 120) to detect a card reader device. (eg, setting the NFC module to a polling mode), and at the same time, it is possible to perform MST signal generation through the MST module (eg, 110). The processor may check whether a signal (eg, ping) has been received from the card reading device through the NFC module, and if a ping is received as a result of the check, the processor may stop the operation of the MST module. In addition, the processor may provide card information for payment to a card reading device (eg, NFC reader) through the NFC module. If the ping is not received as a result of the check, the processor may control the MST control module to generate an MST signal having payment information.

According to an embodiment, when payment is completed, the user may press a button (eg, home button 1380) of the electronic device to terminate the payment application. When the payment is completed, the electronic device (user terminal) may recognize this and, for example, stop generating the MST signal accordingly. For example, when a card company confirms payment, the user terminal may be notified of this through a network, and the user terminal may stop generating the MST signal. Not only the card company, but also the VAN company or the POS terminal may directly notify the user terminal of the payment confirmation.

14 illustrates a payment user interface of an electronic device according to various embodiments of the present disclosure;

According to an embodiment, while user authentication is completed and payment is in progress, a state in which payment is possible (or a state in which payment information is being transmitted to an external device through the user terminal) may be displayed. For example, the electronic device (eg, the electronic device 11 ) displays a portion 1420 of a semi-transparent circle behind the card image 1410 , with the effect 1440 of the circle growing within the box 1430 . can show Here, the box 1430 may represent the position of the loop antenna that transmits the MST signal. The user may recognize the position of the antenna by looking at the box 1430 . In addition, the user may see the effect 1440 of the circle getting bigger in the box 1430 and recognize that payment is in progress.

15 is a structural diagram of an electronic device including an antenna for magnetic payment and an antenna according to various embodiments of the present disclosure.

Referring to FIGS. 15A and 15B , an electronic device 1500 (eg, the electronic device 11 ) includes an upper housing 1510 , a lower housing 1520 , and a side surface that are positioned to be exposed on at least a partial area of the exterior. It may include a housing 1540 and a support structure 1530 positioned inside the portable device. The side housing 1540 may be formed of a single material or a combination of different materials, and may be disposed to support at least a portion of the upper housing 1510 and the lower housing 1520 . The internal support structure 1530 may be formed of a single material or a combination of heterogeneous materials, and may be disposed to support at least a portion of the lower housing 1520 . Here, at least a portion of the upper housing 1510 and the lower housing 1520 may include a display area. For example, the display module (eg, the display module 16 ) may be exposed through a partial area of the upper housing 1510 . An enclosure including the upper housing 1510 , the side housing 1540 , and the support structure 1530 may include a printed circuit board (PCB) 1550 and a battery 1570 .

According to various embodiments, the electronic device 1500 may include an antenna (eg, a coil antenna) 1560 for magnetic payment. The antenna 1560 may be positioned to cover at least a partial area of the side housing 1540 and the battery 1570 , and a processor (eg, processor 150 ) or a communication module (eg, MST control) located on the PCB 1550 . It may be connected to the PCB 1550 through the opening of the side housing 1540 so as to communicate data for payment with the module 130. In some areas of the side housing 1540 and the upper housing 1510, an antenna ( 1570), a region having a different height or thickness from the peripheral region may exist.

According to various embodiments, in the side housing 1540 , the material of the region where the coil unit (eg, a metal pattern) of the antenna 1560 is located has a different property from that of the region where the coil unit is not located. can For example, the region where the coil unit is located may include a non-conductive material (eg, plastic), and the region where the coil unit is not located may include a conductive material (eg, metal).

Referring to FIG. 15C , the antenna 1560 may be configured using a flexible printed circuit board (FPCB) including a plurality of multi-layers 1563 to 1565 . At least one of the plurality of layers may include a wiring 1566 and a via 1567 constituting the antenna coil. The antenna 1560 may be configured as a single coil, or may include two or more different coils. According to various embodiments, the antenna 1560 may include a shielding layer 1561 for shielding noise. The shielding layer 1561 may be formed of, for example, a material such as graphite. According to another embodiment, the antenna 1560 may further include a magnetic layer 1562 for increasing the strength of a magnetic signal generated through the coil. The magnetic layer 1562 may be formed using, for example, a material such as a permanent magnet or a ferromagnetic material.

According to an embodiment, a card for payment or a fingerprint sensor for performing user authentication may be included in a front home key, a side key, and a separate key on the rear side of the terminal. In addition, at least a portion of the display panel may include a fingerprint sensor.

16A and 16B are block diagrams of an MST module having one antenna, according to various embodiments of the present invention.

16A and 16B , the MST module (eg, the MST module 110 ) may include a driving unit 1610 , a connection unit 1620 , and an antenna 1630 . The connection unit 1620 may receive a current from the driving unit 1610 , and feed it to the antenna 1630 . The antenna 1630 may form a magnetic field by the supplied current, and may radiate a magnetic field signal (MST signal) of a specific frequency to the outside. For example, the antenna 1630 may receive the sequences of FIG. 7 from the driver 1610 through the connection unit 1620 , convert them into RF signals, and sequentially transmit them.

According to one embodiment, the antenna 1630 may be designed to have different magnetic field strengths in part. For example, as shown in FIG. 16A , when a current is supplied to the antenna 1130 , the first portion 1631 and the second portion 1632 may form magnetic fields of different strengths.

According to one embodiment, the antenna 1630 may be designed to partially form a plurality of current paths. For example, as shown in FIG. 16B , when a current is supplied to the coil antenna 1630 , a first path 1633 is formed in one part of the coil antenna 1630 , and a first path 1633 is formed in another part of the coil antenna 1630 . Two paths 1634 may be formed.

17A and 17B are block diagrams of an MST module having two loop antennas, according to various embodiments of the present invention.

17A and 17B , the MST module (eg, the MST module 110 ) may include a driving unit 1710 , a connection unit 1720 , a first antenna 1730 , and a second antenna 1740 .

According to an embodiment, the first antenna 1730 and the second antenna 1740 may transmit the same MST signal. Referring to FIG. 17A , a first electrode 1711 and a second electrode 1712 are formed in the driving unit 1710 , and the connection unit 1720 connects the first electrode 1711 to the first antenna 1730 and the second antenna. 1740 , respectively, and the second electrode 1712 may be electrically connected to the first antenna 1730 and the second antenna 1740 , respectively. The first antenna 1730 and the second antenna 1740 receive current from the first electrode 1711 or the second electrode 1712 through the connection unit 1720, respectively, and form a magnetic field by the fed current, , it is possible to radiate a magnetic field signal (MST signal) of a specific frequency to the outside. For example, the first antenna 1730 and the second antenna 1740 may receive the sequences of FIG. 7 from the driver 1710 through the connection unit 1720 , convert them into RF signals, and sequentially transmit them.

According to another embodiment, the first antenna 1730 and the second antenna 1740 may transmit different MST signals. Referring to FIG. 17B , a third electrode 1713 and a fourth electrode 1714 are formed as a pair in the driving unit 1710 , and a fifth electrode 1715 and a sixth electrode 1715 are formed as another pair. can be The connection unit 1720 may electrically connect the third electrode 1713 and the fourth electrode 1714 to the first antenna 1730, and connect the fifth electrode 1715 and the sixth electrode 1715 to the second antenna ( 1740) can be electrically connected. The first antenna 1730 receives current from the third electrode 1713 or the fourth electrode 1714 through the connection unit 1720, forms a magnetic field by the fed current, and transmits an RF signal of a specific frequency to the outside. can radiate The second antenna 1740 may receive current from the fifth electrode 1715 or the sixth electrode 1715 through the connection unit 1720 , form a magnetic field by the supplied current, and radiate to the outside. For example, the first antenna 1730 transmits the first simple sequence 710 of the sequences of FIG. 7 , and then the second antenna 1740 transmits the first complex sequence 720 , and then the first The antenna 1730 may transmit the second simple sequence 730 , and then the second antenna 1740 may transmit the second complex sequence 740 . Alternatively, the first antenna 1730 sequentially transmits the first simple sequence 710 and the second complex sequence 720 , and then the second antenna 1740 transmits the second simple sequence 730 and the second complex sequence. 740 may be sequentially transmitted.

18 schematically illustrates a loop antenna according to various embodiments of the present invention.

According to an embodiment, the loop antenna 1800 may be designed so that the strength of the magnetic field is different for each area. Accordingly, the position of the shadow area (null point) of the loop antenna generated in the terminal may be moved. For example, the width of the antenna pattern (eg, a coil) of the first portion 1810 may be implemented wider than the width of the antenna pattern of the second portion 1820 . Accordingly, when current flows, the resistance of the first portion 1810 is relatively lower than that of the second portion 1820 , and accordingly, the strength of the magnetic field generated in the first portion 1810 is generated in the second portion 1820 . It may be stronger than the strength of the magnetic field. When the strength of the magnetic field generated in the first portion 1810 is stronger than the strength of the magnetic field generated in the second portion 1820, the shaded area of the loop antenna 1800 is not the center 1830 of the terminal, but the lower end 1840. ) can be formed. In other words, when the width of the antenna pattern of the first portion 1810 and the width of the antenna pattern of the second portion 1820 are the same, the shaded area may be the center 1830 of the terminal. When the width of the antenna pattern of the first portion 1810 is wider than the width of the antenna pattern of the second portion 1820 , the shaded area may be the lower end 1840 of the terminal. For example, as shown in FIG. 14 , during payment, the electronic device (eg, the electronic device 100 ) recognizes the MST recognition range (eg, the area between the center and the upper end of the terminal corresponding to the box 1430 ). ') and thus the user brings the MST recognition range closer to the reader, so that the recognition rate of the MST can be improved.

19A to 19G schematically show the structure of a loop antenna according to various embodiments of the present invention.

According to one embodiment, as shown in FIG. 19A , the loop antenna 1910 has a first path 1911 at the top of a terminal (eg, a smart phone), a second path 1912 at the center, and a third The path 1913 may be designed to be formed at the bottom. Also, the loop antenna 1910 may be designed such that the direction 1911a of the current flowing through the first path 1911 is the same as the direction 1912a of the current flowing through the second path 1912 . Then, the current direction 1911a of the first path 1911 may be opposite to the direction 1913a of the current flowing through the third path 1913 . Accordingly, when the loop antenna 1910 forms a magnetic field by the current fed from the communication module 1915 (eg, the MST module 110), the intensity is stronger in the upper part and the center than the lower part, so that the shaded area 1914) may be formed around the lower portion.

According to another embodiment, referring to FIG. 19B , in the loop antenna 1920 , the direction 1923a of the current flowing through the third path 1923 is the same as the direction 1922a of the current flowing through the second path 1922 . can be designed to be heavy. Then, the direction 1923a and the direction 1922a may be opposite to the direction 1921a of the current flowing through the first path 1921 . Accordingly, a shadow area 1925 may be formed around the upper portion of the terminal.

According to another embodiment, referring to FIG. 19C , the paths of the loop antenna 1930 connected to the communication module 1932 (eg, the MST module) have a “B” shape (ie, 'B' when drawing a current flow) shape), and the directions of currents at the center 1931 may be opposite to each other. Accordingly, the center 1931 may be a shaded area. A 'B'-shaped loop antenna, for example, the loop antenna 1930 is distributed to both sides (top and bottom) compared to the loop antenna 1800 of FIG. 18 . can have an effect.

According to another embodiment, referring to FIG. 19D , the paths of the loop antenna 1940 connected to the communication module 1942 (eg, the MST module) may have an “8” shape, and the currents in the center 1941 The directions may be the same. Accordingly, the center 1941 may have the strongest magnetic field strength. The upper part 1943 and the lower part 1944 may be shaded areas.

In addition to the above structures, the loop antenna may be designed to have various structures, for example, "B"-shaped paths as shown in FIGS. 19E, 19F and 19G. In these drawings, arrows indicate the direction of the current, and locations 1950, 1960, and 1970 where the directions of the current are opposite to each other may be shaded areas.

According to the structure of the loop antenna with reference to FIGS. 19A to 19G , the shaded area may vary depending on the location of current paths and the direction of current in the loop antenna. Therefore, in designing an antenna for increasing the MST recognition rate, the location of the shaded area may be a consideration for increasing the MST recognition rate.

20A and 20B schematically show a structure of a loop antenna according to various embodiments.

The loop antenna shown in FIG. 20A may be applied to, for example, the antenna 1630 of FIG. 16B . The first path 2011 forming the outside of the loop antenna 2010 may be composed of a flat type coil, and the second path 2012 forming the inside relatively may be composed of a solenoid coil. have. The flat coil may be wound on the XY plane without overlapping, for example. The solenoid coil may be wound several times around the Z-axis. In addition, as shown in FIG. 20B , the solenoid coil may be wound several times in a direction perpendicular to the Z-axis. By varying the number of turns of the coil disposed in each section and the area where the coil is disposed, the shaded area moves from the center of the loop antenna to the outside, and a larger amount of magnetic force lines can be radiated in the second path 2012 . .

21A and 21B schematically illustrate a plurality of loop antennas according to various embodiments of the present invention.

A plurality of loop antennas, for example, the first antenna 2111 and the second antenna 2112 may be connected to the same output unit of the MST control module. The first antenna 2111 and the second antenna 2112 may transmit the same signal at the same time. For example, referring to FIG. 21A , one end of the first antenna 2111 and one end of the second antenna 2112 may be connected to the first electrode 2121 (eg, the first electrode 1711), respectively. The other end of the first antenna 2111 and the other end of the second antenna 2112 may be respectively connected to the second electrode 2122 (eg, the second electrode 2112 ). The first antenna 2111 and the second antenna 2112 may be implemented in different layers of the FPCB. For example, based on the illustrated Z-axis, the first antenna 2111 may be formed in a bottom layer of the FPCB, and the second antenna 2112 may be formed in a top layer of the FPCB. The loop antennas may be formed on the same layer as each other. For example, referring to FIG. 21B , the first antenna 2131 may be formed on the upper portion 2141 on the XY plane, and the second antenna 2132 may be formed on the lower portion 2142 .

22A and 22B schematically illustrate a plurality of coil antennas in accordance with various embodiments.

Referring to FIG. 22A , a plurality of coil antennas, for example, a first antenna 2211 and a second antenna 2212 may be formed on the same plane (XY plane). According to one embodiment, the loop antenna for MST may be manufactured in various forms to improve recognition of a magnetic field transmitted to an external device (eg, a POS terminal). For example, the paths may be in the shape of an “8” as shown in FIG. 19D or in the shape of a “B” as shown in FIG. 19C. When the electronic device approaches the external device (eg, POS terminal), it is possible to form current paths that are orthogonal to the direction in which the magnetic card is swiped to the external device (eg, POS terminal) as much as possible. may be in the form The first antenna 2211 and the second antenna 2212 may transmit different MST signals, respectively. For example, the first antenna 2211 may transmit some of the sequences of FIG. 7 as the first antenna 1730 of FIG. 17B , and the second antenna 2212 may be the second antenna 1740 of FIG. 17B . As a result, another part of the sequences of FIG. 7 may be transmitted.

Referring to FIG. 22B , the coil antennas may be formed on different planes with respect to different axes. For example, the first coil antenna 2221 may form a loop about the x-axis, and the second coil antenna 2222 may form a loop about the y-axis. A shielding agent (not shown) for removing interference between the first coil antenna 2221 and the second coil antenna 2222 may be positioned.

According to one embodiment, the first coil antenna 2221 or the second coil antenna 2222 may be an FPCB antenna. A loop may be formed in a stacked form by connecting a pattern to an FPCB composed of a plurality of layers.

According to another embodiment, the first coil antenna 2221 or the second coil antenna 2222 may form a loop in a shape that surrounds at least a portion of the housing of the electronic device. One part of the coil antenna may be positioned under the front display of the terminal, and the other part of the coil antenna may be positioned under the rear cover of the terminal. The coil antenna may be in the form of an FPCB or may use at least a part of the appearance of the terminal.

23 to 25 are block diagrams of hardware inside an electronic device including a plurality of MST modules according to various embodiments of the present disclosure.

Referring to FIG. 23 according to an embodiment, the first MST module 2310 and the second MST module 2320 may transmit the same data to an external device. The first MST module 2310 and the second MST module 2320 may include different types of coil antennas. The first MST module 2310 and the second MST module 2320 may be spaced apart from each other. The voltage or current transmitted to the first MST module 2310 and the second MST module 2320 may be at different levels. The first data receiving module 2331 and the second data receiving module 2332 inside the MST control module 2330 may receive at least one identical signal from the MST data transmission module 2340 . For example, the MST data transmission module 2340 may transmit the MST signal 2351 (eg, the data of FIG. 17 ) including the same payment information to the first data reception module 2331 and the second data module 2332 . have. In addition, the MST data transmission module 2340 provides a control signal for activating the first MST module 2310 and the second MST module 2320 to the first data reception module 2331 and the second data reception module 2332 ( 2352) can be transmitted in the same way. For example, upon reception of the control signal 2352, the MST control module 2330 may control the first MST module 2310 and the second MST module 2320 to transmit the MST signal 2351 to the outside. have. The first data receiving module 2331 and the first output conversion module may be one module. The second data receiving module 2332 and the second output conversion module may also be one module.

Referring to FIG. 24 according to an embodiment, the MST data transmission module 2440 includes an MST signal A (eg, FIG. 7) and transmits different control signals B and C to the first data receiving module 2431 to independently control the first MST module 2410 and the second MST module 2420. ) and the second data receiving module 2432, respectively. The first MST module 2410 and the second MST module 2420 may be sequentially activated based on the control signal to transmit a portion of the MST signal, respectively. For example, the first MST module 2410 may be activated first to sequentially transmit sequences (eg, transmit the sequence 710 and then transmit the sequence 720 ). The second MST module 2420 may then be activated to sequentially transmit sequences (eg, 730 and 740 ).

The first MST module 2410 and the second MST module 2420 according to an embodiment are cross-activated to transmit an MST signal to an external device (eg, a POS terminal). For example, the first MST module 2410 may be activated first to transmit a sequence (eg, 710 ), and then the second MST module 2420 may be activated to transmit a sequence (eg, 720 ). Next, the first MST module 2410 may be activated again to transmit a sequence (eg, 730 ), and then, the second MST module 2420 may be activated again to transmit a sequence (eg, 740 ).

The first MST module 2410 and the second MST module 2420 may be selectively activated according to the state of the terminal. For example, when short-range wireless communication (eg, NFC communication) is activated in the terminal using a loop antenna adjacent to the first MST module 2410 or when cellular network wireless communication is activated using an adjacent antenna, MST The control module 2430 may transmit the MST signal by activating the second MST module 2420 . For example, when the MST signal is transmitted by activating at least one of the first MST module 2410 and the second MST module 2420, the recognition is not good. : When the user terminal is displayed and tagged again in the POS terminal), it is recognized as a sensor, and the first MST module 2410 and the second MST module 2420 can be activated at the same time. For example, when the display mode of the terminal is a portrait mode, the second MST module 2420 (eg, the second coil antenna 2222 of FIG. 22B ) may be activated, and a landscape mode ), the first MST module 2410 (eg, the first coil antenna 2221 of FIG. 22B ) may be activated.

According to one embodiment, the MST data transmission module 2440 activates the first MST module 2410 and the second MST module 2420 in the first data reception module 2431 and the second data reception module 2432 . It is possible to transmit the same control signal D for this purpose, and to transmit the MST signals E and F including different payment information to the first data receiving module 2431 and the second data receiving module 2432 . For example, Track1 and Track2 information may be transmitted to the first data receiving module 2431 and the second data receiving module 2432 , respectively. The MST signal including Track1 information may be transmitted to the first MST module 2410 through the first output conversion module 2451, and thereby may be transmitted to the outside. In addition, the MST signal including Track 2 information may be transmitted to the second MST module 2420 through the second output conversion module 2452, and thereby may be transmitted to the outside. The first data receiving module 2431 and the first output conversion module may be one module. The second data receiving module 2432 and the second output conversion module may also be one module.

According to one embodiment, referring to FIG. 25 , the MST data transmission module 2540 provides different payment information to the first data reception module 2531 and the second data reception module 2532 inside the MST control module 2530 . MST signals 2551 and 2552 including For example, the sequences 710 and 720 may be transmitted to the first data reception module 2531 and the sequences 730 and 740 may be transmitted to the second data reception module 2532 . In addition, the MST data transmission module 2540 transmits different control signals 2553 and 2554 to the MST control module 2530 so as to independently control the first MST module 2510 and the second MST module 2520 . can be forwarded to For example, upon receipt of the control signals 2553 and 2554, the MST control module 2330 controls the first MST module 2510 to sequentially transmit the sequences 710 and 720 to the outside, and such The second MST module 2520 may be controlled to sequentially transmit the following sequences 730 and 740 . The first data receiving module 2531 and the first output conversion module may be one module. The second data receiving module 2532 and the second output conversion module may also be one module.

26 to 28 are block diagrams of hardware inside an electronic device that can use at least one module among a plurality of MST modules in common with other wireless local area communication, according to various embodiments of the present disclosure.

Referring to Figure 26, according to various embodiments of the present invention, the MST control module 2610, the second MST module 2620 is connected to the wireless charging control module 2630, a wireless charging module (wireless charging coil antenna) When operating as , the second MST module 2620 may further include a switching unit 2650 for not being connected to the MST control module 2610 (open (High Impedance) state). The wireless charging control module 2630 may include an AC/DC converter or a rectifier. The power control module 2640 may be, for example, a configuration of the electronic device 100 . According to an embodiment, the second MST module 2620 may include, for example, a coil antenna having an inductance value of about 10 uH.

Referring to FIG. 27 , according to various embodiments of the present disclosure, an electronic device (eg, the electronic device 11 ) uses at least one MST module among a plurality of MST modules, for example, a second MST module 2720 in a resonance manner. It can be used as a coil antenna for wireless charging. The MST/wireless charging control module 2710 may include an MST control module 2711 including a data receiving module 2712 and an output conversion module 2713 , and a wireless charging control module 2714 .

Referring to FIG. 28 , according to various embodiments of the present disclosure, an electronic device (eg, the electronic device 11 ) connects at least one MST module among a plurality of MST modules, eg, a second MST module 2820 to an NFC coil. Can be used as an antenna. When the second MST module 2820 is used as an NFC coil antenna, the electronic device may further include a switching unit 2830 to adjust the number of turns or the inductance value of the coil antenna. When at least one of the MST modules is used for another short-range wireless communication (eg, NFC communication), the MST control module 2810 is an MST module used for other short-range wireless communication, for example, the second MST module 2820. An internal switch for not being connected to the MST control module 2810 may be further included.

29 schematically shows an antenna device according to various embodiments of the present invention.

Referring to FIG. 29 , according to various embodiments of the present disclosure, an antenna device 2900 may be a configuration of an electronic device (eg, the electronic device 11), and includes a first loop antenna 2910 and a second loop antenna. 2920 , a communication module 2930 , and a switch 2940 . The communication module 2930 may include a first communication module 2931 , a second communication module 2932 , a third communication module 2933 , and four terminals 2934 to 2937 .

The first communication module 2931 according to various embodiments may be electrically connected to the first loop antenna 2910 through the first terminal 2934 and the second terminal 2935 to transmit and receive radio waves of short-range communication. . For example, the first communication module 2931 is a resonance charging (eg, alliance for wireless power (A4WP) module), and may receive a radio wave for charging through the first loop antenna 2910 .

The second communication module 2932 according to various embodiments may be electrically connected to the second loop antenna 2920 through the third terminal 2936 and the fourth terminal 2937 to transmit and receive radio waves of short-range communication. . For example, the second communication module 2932 may operate as an NFC module.

The third communication module 2933 according to the embodiment is electrically connected to the first loop antenna 2910 and the second loop antenna 2920 through the terminals 2934 to 2937 and a switch 2940 to perform short-range communication (eg, MST or wireless power consortium (WPC)) can be transmitted. For example, when a current is supplied from the third communication module 2933 to the first terminal 2934 in a state in which the switch 2940 is turned on, the current flows through the first terminal 2934 to the first loop antenna It flows into the second terminal 2935 via the 2910 , and then via the second loop antenna 2920 via the switch 2940 and the third terminal 2936 via the fourth terminal 2937 to the third communication It flows into module 2933 . As described above, the first loop antenna 2910 and the second loop antenna 2920 form one path by the switch 2940 , and the third communication module 2933 may transmit/receive radio waves through the path.

An ON/OFF operation of the switch 2930 according to various embodiments of the present disclosure may be controlled by the communication module 2940 or a control module (eg, AP) in the electronic device. The switch 2930 may be included in the communication module 2930 as shown, but is not limited thereto, and it does not matter wherever the first loop antenna 2910 and the second loop antenna 2920 can be electrically connected. . However, as for the position of the switch 2930, the length of the path, the number of turns of the path, the inductance value, etc. may be considered so that a specific frequency of the third communication module 2933 can be selected (ie, resonant). .

30 is a diagram schematically illustrating a plurality of coil antennas in an electronic device according to various embodiments of the present disclosure, and illustrating strengths and shaded regions of magnetic fields generated by the plurality of coil antennas.

Referring to FIG. 30A , an electronic device (eg, the electronic device 11 ) according to various embodiments of the present disclosure includes a first coil antenna 3011 and a second coil antenna 3012 , and According to the power supply, the first coil antenna 3011 and the second coil antenna 3012 may each form a magnetic field. Figure 30 (b) shows the strength of the magnetic field (recognized by an external device (POS terminal)) generated by the first coil antenna 3011 according to various embodiments of the present invention and the position of the shaded area (null point) . In addition, FIG. 30( c ) shows the strength of the magnetic field generated by the second coil antenna 3012 and the location of the shaded area according to various embodiments of the present disclosure.

According to FIG. 30B , the first shaded area 3021 generated by the first coil antenna 3011 and the first shaded area 3022 generated by the second coil antenna 3012 overlap each other. ) may not be possible. The first coil antenna 3011 and the second coil antenna 3012 may periodically and alternately transmit the MST signal. For example, the first coil antenna 3011 and the second coil antenna 3012 may transmit the MST signal to the outside once per second a total of 16 times (ie, 8 times each). Accordingly, the shaded areas may also be periodically alternated. For example, the shaded area may be periodically changed from the first shaded area 3021 to the second shaded area 3022 or vice versa. At this time, when the external device (eg, POS terminal) is located in the first shaded area 3021, the external device (POS terminal) cannot receive payment information from the first coil antenna 3011 or even if it is received, payment information is provided. There may be cases where it cannot be recognized. The payment may be completed by receiving payment information (MST signal) from the external device (eg, POS terminal) second coil antenna 3012 . As described with reference to FIG. 30 , the electronic device may increase the success rate of payment by sequentially operating a plurality of coil antennas to alternate shaded areas.

31A and 31B are diagrams schematically illustrating a plurality of coil antennas in an electronic device according to various embodiments of the present disclosure, and illustrating strengths and shaded regions of magnetic fields generated by the plurality of coil antennas, respectively.

The first coil antenna 3111 and the second coil antenna 3112 according to various embodiments of the present invention may operate simultaneously to transmit the MST signal. For example, referring to FIG. 31A , the first coil antenna 3111 may be formed in a left area of an electronic device (eg, a smart phone) and the second coil antenna 3112 may be formed in a right area. Current may be simultaneously supplied to the first coil antenna 3111 and the second coil antenna 3112 . In this case, the direction of the current may be different from each other. For example, the path of the first coil antenna 3111 may form a clockwise direction, and the path of the second coil antenna 3112 may form a counterclockwise direction. Accordingly, as shown, the direction of the current is the same at the center, so that the strength of the magnetic field is the greatest, and a shaded area may be formed around it. For example, two shaded areas 3113 and 3114 may be formed on both sides of the center.

Referring to FIG. 31B , the directions of currents may be the same. Accordingly, as shown, the direction of the current is changed in the center, so that the strength of the magnetic field may be the weakest. That is, in the state in which the first coil antenna 3111 and the second coil antenna 3112 are disposed as shown, when the directions of currents are the same, the area adjacent to each other (ie, the center) is the shaded area 3115 . can

31A and 31B, by operating a plurality of coil antennas simultaneously but changing the direction of the current (eg, by making the direction of the current equal to or opposite to each other), the shaded area may be changed periodically. can That is, the electronic device simultaneously operates the plurality of coil antennas so that the shaded areas are alternated, but by changing the direction of the current, the success rate of payment may be increased.

Meanwhile, in the electronic device, a method of sequentially operating a plurality of coil antennas (see FIG. 30 ) and a method of simultaneously operating a plurality of coil antennas and changing the direction of current (see FIG. 31 ), all of these methods are used in the shaded area can be changed, and accordingly, the effect of increasing the success rate of payment can be obtained.

32 is a view illustrating various embodiments using a plurality of coil antennas according to various embodiments of the present invention.

Referring to FIG. 32A , the plurality of coil antennas may be implemented as a planar coil antenna and a solenoid antenna. FIG. 32B may be implemented in a form similar to that of FIG. 22B described above. When a plurality of coil antennas are utilized in a wearable terminal (eg, a smart watch), as shown in FIG. 32(c) , the first coil antenna 3210 is included in the first wrist strap and the second coil antenna 3220 ) may be included in the second wrist strap. As another example, at least one antenna may be included in at least one wrist strap. A terminal including two or more displays as shown in FIG. 32(d) may include a coil antenna separated from each other on the rear surface of each LCD.

The plurality of coil antennas may operate simultaneously or divided by time. The coil antenna may be selectively used according to the angle of the terminal and the movement (tagging information) of the terminal. The terminal may guide the well-recognized area through the output device.

33A, 33B, and 33C illustrate a format of data recorded in tracks of a magnetic card, respectively, according to various embodiments of the present invention.

33A, 33B, and 33C , the magnetic card stores data for each track 1, track 2, and track 3. The card reading apparatus may include a header and a coil for reading data recorded in a magnetic stripe track of a magnetic card. When the track of the magnetic card (that is, the magnetic black line) is swiped from the position of the header of the rail part of the card reader, it passes through the coil connected to the header. The magnetic field lines can be changed. A current corresponding to the change in the magnetic field lines is generated in the card reading device, and the card reading device can read and process data recorded in the track from this current.

The electronic device may include a module for storing data recorded in tracks of a magnetic card and for magnetic field communication, for example, an MST module. The MST module can transmit the data contained in the tracks to the card reader through the antenna by loading the magnetic field signal. Then, the same current can be generated in the card reading device as when the magnetic card was swiped at the position of the header of the card reading device. That is, the user may pay the cost or the like by bringing the electronic device close to or in contact with the card reading device.

34A and 34B are diagrams for explaining a data transmission method according to various embodiments of the present invention.

Data transmitted on the MST signal by the MST module may be transmitted in the form of a token, as shown in FIG. 34A . In the payment method using tokens, at least some of the data of tracks 1, 2, and 3 other than tracks 1, 2, and 3 may be replaced with tokens or cryptograms. For example, referring to FIG. 34B , in tracks 1, 2, and 3, PAN may be replaced with a Token. In Tracks 1 and 2, ADDITIONAL DATA and DISCRETIONARY DATA, and in Track 3, USE AND SECURITY DATA and ADDITIONAL DATA may be replaced with Cryptograms. The substituted value may be converted into a bit, carried on the MST signal, and transmitted to the card reader. By using the data format of the track, token information can be sent to the card company without any change in the card reader. Here, the token may include an ID for identification of the card. In addition, the token may include information for identifying the card company. The transaction data may include an expiration date of the card, a merchant ID, and the like, and may be created by combining some of transaction-related information.

An electronic device (eg, the electronic device 11) according to various embodiments of the present disclosure includes a first cover constituting a front surface of the electronic device; a second cover constituting a rear surface of the electronic device; a memory included in a space formed between the first cover and the second cover; a display device at least partially included in the space and exposed through the first cover; a processor included in the space and electrically connected to the memory; and at least one loop antenna contained in the space and electrically coupled to the processor, wherein the memory, when executed, causes the processor to: may include instructions for storing a magnetic field signal including data corresponding to at least two of the track 1, track 2, and track 3 through the at least one loop antenna during one period. .

According to various embodiments of the present disclosure, the instructions may be configured to transmit a magnetic field signal including inversion data in which the binary data corresponding to the track 1 or the track 2 are configured in a reverse order during one period.

According to various embodiments of the present disclosure, the instructions periodically transmit a first magnetic field signal including data corresponding to one of the tracks 1, 2, and 3 several times, and then transmit the data and the other one of the tracks. The second magnetic field signal including inversion data in which the binary of the corresponding data is configured in the reverse order may be periodically transmitted several times.

According to various embodiments of the present disclosure, the instructions may be configured to transmit the second magnetic field signal at the same period as the first magnetic field signal.

According to various embodiments of the present invention, the instructions periodically transmit the second magnetic field signal several times, then periodically transmit the third magnetic field signal including the data several times, and then transmit the data and the inversion data. The included fourth magnetic field signal may be periodically transmitted several times.

According to various embodiments of the present disclosure, the instructions may be configured to transmit the third magnetic field signal with a longer period than the first magnetic field signal.

According to various embodiments of the present disclosure, the instructions may be configured to transmit the fourth magnetic field signal with a longer period than the second magnetic field signal.

According to various embodiments of the present disclosure, the instructions may be configured to transmit the fourth magnetic field signal at the same period as the third magnetic field signal.

According to various embodiments of the present disclosure, the instructions may be configured to transmit a magnetic field signal including data in which at least a portion of data corresponding to a track is replaced with a token during one cycle.

According to various embodiments of the present disclosure, the instructions may determine whether to transmit the magnetic field signal based at least in part on an input through the display device and/or at least one sensor.

According to various embodiments of the present disclosure, the at least one sensor may include a fingerprint sensor.

According to various embodiments of the present invention, the instructions may be to transmit the same magnetic field signal through a plurality of loop antennas.

According to various embodiments of the present invention, the instructions may be to sequentially select a plurality of loop antennas to transmit the same magnetic field signal.

According to various embodiments of the present invention, the instructions may be to transmit a magnetic field signal of another track through a plurality of loop antennas.

According to various embodiments of the present disclosure, the instructions may be configured to stop transmission of the magnetic field signal in response to a signal generated by the at least one sensor and/or a user input.

An electronic device (eg, the electronic device 11 ) according to various embodiments of the present disclosure includes: a housing including a first surface and a second surface facing in a direction opposite to the first surface; A user interface device exposed through the first surface (eg, a display module 160; a memory included in the housing; a processor included in the housing and electrically connected to the user interface device and the memory; and in the housing The memory may include at least one conductive pattern (eg, a loop antenna) included or formed by a part of the housing and electrically connected to the processor.The memory includes first payment information in a first format and a second format may temporarily store at least the second payment information of .For example, the memory may temporarily store at least two pieces of information among track 1, track 2, track 3, and token. , an instruction for generating a sequence of a plurality of signals using the first payment information and/or the second payment information, and magnetically transmitting the sequence of the plurality of signals to the outside through the conductive pattern At least one signal among the sequence of the plurality of signals includes the entirety of the first transaction data and/or the second transaction data. indicating pulses.

According to various embodiments of the present disclosure, the instructions may be to transmit the sequence of the plurality of signals to the outside in response to a single input of the user (eg, the user's fingerprint 1370) through the user interface device. have.

According to various embodiments of the present disclosure, at least one signal among the sequence of the plurality of signals may include pulses indicating all of the first payment information and all of the second payment information in order.

According to various embodiments of the present disclosure, the sequence of the plurality of signals includes a first signal including pulses of a first pulse period and a second signal including pulses of a second pulse period different from the first pulse period. may include

According to various embodiments of the present disclosure, the sequence of the plurality of signals includes a first signal, a second signal generated after a first time interval from the first signal, and a second signal generated after a second time interval from the second signal a third signal, wherein the first time interval may be different from the second time interval.

According to various embodiments of the present disclosure, at least one of the plurality of sequences of signals may include pulses indicating all of the first payment information and all of the second payment information in reverse order.

According to various embodiments of the present disclosure, the memory may further at least temporarily store third payment information in a third format. The memory, when executed, causes the processor to generate a sequence of a plurality of signals using at least one of the first payment information, the second payment information, or the third payment information, and convert the sequence of the plurality of signals to the Through the conductive pattern, instructions for magnetically transmitting to the outside may be stored. At least one signal among the plurality of sequences of signals may include the first payment information and the second payment information. Alternatively, it may include pulses indicating the entirety of at least one of the third payment information (the entirety of the first transaction data and/or the second transaction data).

35 is a flowchart illustrating a payment method according to various embodiments of the present disclosure.

35 , the electronic device (eg, the electronic device 11) may display a card selection screen in operation 3510. For example, the electronic device executes a payment application in response to a user input and uses a card to be used for payment. You can display an image corresponding to .

In operation 3520, the electronic device may perform user authentication. For example, the electronic device acquires the user's fingerprint information through the biometric sensor 107, determines whether the obtained fingerprint information matches pre-stored fingerprint information, and, if the determination result matches the two fingerprint information, selects the user can be authenticated. The user authentication method may be implemented using not only fingerprint recognition, but also iris recognition using a camera, electrocardiogram recognition using an electrocardiogram (ECG) sensor, or a combination of these methods.

When user authentication is completed, in operation 3530, the electronic device may transmit an MST signal corresponding to the selected card image. Thereafter, when a preset signal generation stop condition is satisfied, the electronic device may stop transmitting the MST signal. When the condition is satisfied, for example, receiving a payment completion message from the payment server, recognizing that a predetermined time has elapsed after the generation of the MST signal is started, recognizing that the user terminal (electronic device) is in a moving state, It may be a case of detecting a payment completion sound through a microphone or recognizing a user input for terminating payment.

According to an embodiment, when user authentication is completed, the electronic device (eg, the electronic device 11) may generate various combinations of sequences. For example, the electronic device may generate a total of 16 times for 20 seconds by mixing the simple sequence and the complex sequence. The most efficient sequence combination, period, and pulse timing may be programmed through a field test for each country or region, and the electronic device may transmit an MST signal based on the programming. The electronic device may recognize a country or region using a country code or GPS information, and may perform a payment process using MST based on programming information corresponding to the recognized place.

According to another embodiment, upon completion of user authentication, the electronic device (eg, the electronic device 11 ) may first perform a simple sequence (eg, transmit the MST signal including information of track 2 several times). When user authentication is completed again after a certain period of time, the electronic device transmits the MST signal again, but the method may be changed. For example, the electronic device may change a period or pulse timing. Also, information included in the MST signal may be changed to information according to a complex sequence.

According to another embodiment, when the payment by the simple sequence fails, the user will tag the terminal again after floating it on the reader. This may be recognized through a sensor (eg, an acceleration sensor 103 , a gyro sensor 105 , a proximity sensor, a heart rate monitor (HRM) sensor, etc.). According to such tagging, the electronic device may transmit the MST signal by changing at least one of a transmission period, a pulse timing, or a sequence of the MST signal.

According to another embodiment, when user authentication is completed, the electronic device (eg, the electronic device 11 ) performs at least one of a transmission period, a pulse timing, or a sequence whenever the user taps the terminal on the reader. can be changed to transmit the MST signal.

According to another embodiment, the electronic device (eg, the electronic device 11 ) may check the remaining battery level or the battery heat state, and transmit a simple sequence when the battery consumption is high or the heat is severe.

According to another embodiment, the electronic device (eg, the electronic device 11 ) may transmit the MST signal by changing at least one of a transmission period, a pulse timing, or a sequence according to a cellular communication method. For example, when GSM is implemented in the electronic device, the electronic device may adjust the transmission period of the MST signal so as not to be affected by the TDMA period.

According to another embodiment, the electronic device (eg, the electronic device 11) receives the characteristics of the POS terminal related to, for example, a track, a transmission period, etc. from a beacon terminal installed in a store, and based on this, a transmission period, At least one of a pulse timing or a sequence may be adjusted.

According to various embodiments of the present disclosure, a method of operating an electronic device (eg, the electronic device 11 ) includes displaying an object related to a card for payment; performing user authentication in response to a user's payment request; and when the user authentication is completed, controlling the magnetic field communication module to transmit a magnetic field signal including data corresponding to at least two of track 1, track 2, and track 3 of the magnetic card during one period.

According to various embodiments of the present disclosure, the controlling may include controlling to transmit a magnetic field signal including inverted data in which the binary of data corresponding to the track 1 or the track 2 is configured in a reverse order during one period. can

According to various embodiments of the present disclosure, in the controlling operation, the first magnetic field signal including data corresponding to one of the tracks 1, 2 and 3 is periodically transmitted several times, and then the data and the other of the tracks are transmitted. It may include an operation of controlling to periodically transmit the second magnetic field signal including data in which binaries of data corresponding to one are configured in a reverse order.

36 is a block diagram of an electronic device 3601 according to various embodiments. The electronic device 3601 may include, for example, all or a part of the electronic device 11 illustrated in FIG. 1A . The electronic device 3601 includes one or more processors (eg, an application processor (AP)) 3610 , a communication module 3620 , (a subscriber identification module 3624 , a memory 3630 , a sensor module 3640 , an input device ( 3650 ), a display 3660 , an interface 3670 , an audio module 3680 , a camera module 3691 , a power management module 3695 , a battery 3696 , an indicator 3697 , and a motor 3698 . can

The processor 3610 may control a plurality of hardware or software components connected to the processor 3610 by, for example, driving an operating system or an application program, and may perform various data processing and operations. The processor 3610 may be implemented as, for example, a system on chip (SoC). According to an embodiment, the processor 3610 may further include a graphic processing unit (GPU) and/or an image signal processor. The processor 3610 may include at least some (eg, the cellular module 121 ) among the components illustrated in FIG. 1B . The processor 3610 may load and process commands or data received from at least one of other components (eg, non-volatile memory) into the volatile memory, and store various data in the non-volatile memory. have.

The communication module 3620 may have the same or similar configuration to the communication interface 17 of FIG. 1A . The communication module 3620 is, for example, a cellular module 3621 , a WiFi module 3623 , a Bluetooth module 3625 , a GNSS module 3626 (eg, a GPS module, a Glonass module, a Beidou module, or a Galileo module). , an NFC module 3627 , an MST module 3628 , and a radio frequency (RF) module 3629 .

The cellular module 3621 may provide, for example, a voice call, a video call, a text service, or an Internet service through a communication network. According to an embodiment, the cellular module 3621 may use a subscriber identification module (eg, a SIM card) 3624 to identify and authenticate the electronic device 3601 within a communication network. According to an embodiment, the cellular module 3621 may perform at least some of the functions that the processor 3610 may provide. According to an embodiment, the cellular module 3621 may include a communication processor (CP).

Each of the WiFi module 3623 , the Bluetooth module 3625 , the GNSS module 3626 , or the NFC module 3627 may include, for example, a processor for processing data transmitted and received through a corresponding module. The MST module 3628 may include, for example, a processor for processing data transmitted through the corresponding module. According to some embodiments, at least some (eg, two or more) of the cellular module 3621 , the WiFi module 3623 , the Bluetooth module 3625 , the GNSS module 3626 , the NFC module 3627 , or the MST module 3628 . ) may be included in one integrated chip (IC) or IC package.

The RF module 3629 may transmit/receive a communication signal (eg, an RF signal), for example. The RF module 3629 may include, for example, a transceiver, a power amp module (PAM), a frequency filter, a low noise amplifier (LNA), or an antenna. According to another embodiment, at least one of the cellular module 3621, the WiFi module 3623, the Bluetooth module 3625, the GNSS module 3626, the NFC module 3627, or the MST module 3628 is a separate RF module. RF signals can be transmitted and received through

Subscriber identification module 3624 may include, for example, a card including a subscriber identification module and/or an embedded SIM (SIM), and may include unique identification information (eg, integrated circuit card identifier (ICCID)) or Subscriber information (eg, international mobile subscriber identity (IMSI)) may be included.

The memory 3630 (eg, the memory 13 ) may include, for example, an internal memory 3632 or an external memory 3634 . The built-in memory 3632 may include, for example, a volatile memory (eg, dynamic RAM (DRAM), static RAM (SRAM), or synchronous dynamic RAM (SDRAM)), non-volatile memory (eg, One time programmable ROM (OTPROM), programmable ROM (PROM), erasable and programmable ROM (EPROM), electrically erasable and programmable ROM (EEPROM), mask ROM, flash ROM, flash memory (such as NAND flash or NOR flash); It may include at least one of a hard drive and a solid state drive (SSD).

The external memory 3634 is a flash drive, for example, compact flash (CF), secure digital (SD), micro secure digital (Micro-SD), mini secure digital (Mini-SD), extreme xD (xD). digital), a multi-media card (MMC), or a memory stick may be further included. The external memory 3634 may be functionally and/or physically connected to the electronic device 3601 through various interfaces.

The memory 3630 may store a payment application, which is one of the application programs 14D, and payment information. Here, the payment information may include a card number and a password for each card. Additionally, the payment information may further include information for user authentication (eg, fingerprint information, facial feature information, or voice feature information).

When the payment application is executed by the processor 3610, the processor 3610 causes the user to interact with the user for payment (eg, displays a screen for selection of a card (image) and selects a selected card (or a predetermined card) In order to perform an operation of acquiring information (eg, card number) corresponding to can be set.

The sensor module 3640 may, for example, measure a physical quantity or sense an operating state of the electronic device 3601 , and may convert the measured or sensed information into an electrical signal. The sensor module 3640 may include, for example, a gesture sensor 3640A, a gyro sensor 3640B, a barometric pressure sensor 3640C, a magnetic sensor 3640D, an acceleration sensor 3640E, a grip sensor 3640F, and a proximity sensor ( 3640G), color sensor (3640H) (e.g. RGB (red, green, blue) sensor), biometric sensor (3640I), temperature/humidity sensor (3640J), illuminance sensor (3640K), or UV (ultra violet) sensor ) may include at least one of the sensors 3640M. Additionally or alternatively, the sensor module 3640 may include, for example, an olfactory sensor (E-nose sensor), an electromyography sensor (EMG sensor), an electroencephalogram sensor (EEG sensor), an electrocardiogram sensor (ECG sensor) , an infrared (IR) sensor, an iris sensor, and/or a fingerprint sensor. The sensor module 3640 may further include a control circuit for controlling at least one or more sensors included therein. In some embodiments, the electronic device 3601 further comprises a processor configured to control the sensor module 3640, either as part of the processor 3610 or separately, so that while the processor 3610 is in a sleep state, The sensor module 3640 may be controlled.

The input device 3650 may be, for example, a touch panel 3652, a (digital) pen sensor 3654, a key 3656, or an ultrasonic input device ( 3658). The touch panel 3652 may use, for example, at least one of a capacitive type, a pressure sensitive type, an infrared type, and an ultrasonic type. Also, the touch panel 3652 may further include a control circuit. The touch panel 3652 may further include a tactile layer to provide a tactile response to the user.

The (digital) pen sensor 3654 may be, for example, a part of a touch panel or may include a separate recognition sheet. Key 3656 may include, for example, a physical button, an optical key, or a keypad. The ultrasonic input device 3658 may detect ultrasonic waves generated by the input tool through a microphone (eg, the microphone 3688), and check data corresponding to the sensed ultrasonic waves.

Display 3660 (eg, display 16 ) may include panel 3662 , holographic device 3664 , or projector 3666 . The panel 3662 may include the same or similar configuration to the display 16 of FIG. 1A . Panel 3662 may be implemented to be flexible, transparent, or wearable, for example. The panel 3662 may be composed of the touch panel 3652 and one module. The hologram device 3664 may display a stereoscopic image in the air by using light interference. The projector 3666 may display an image by projecting light onto the screen. The screen may be located inside or outside the electronic device 3601, for example. According to one embodiment, the display 3660 may further include a control circuit for controlling the panel 3662 , the hologram device 3664 , or the projector 3666 .

The interface 3670 is, for example, a high-definition multimedia interface (HDMI) 3672 , a universal serial bus (USB) 3674 , an optical interface 3676 , or a D-subminiature (D-sub). ) (3678). The interface 3670 may be included, for example, in the communication interface 17 shown in FIG. 1A . Additionally or alternatively, the interface 3670 may be, for example, a mobile high-definition link (MHL) interface, a secure digital (SD) card/multi-media card (MMC) interface, or an infrared (IrDA) interface. data association) standard interface.

The audio module 3680 may interactively convert a sound and an electrical signal, for example. At least some components of the audio module 3680 may be included in, for example, the input/output interface 15 illustrated in FIG. 1A . The audio module 3680 may process sound information input or output through, for example, a speaker 3682 , a receiver 3684 , an earphone 3686 , or a microphone 3688 .

The camera module 3691 is, for example, a device capable of capturing still images and moving images, and according to an embodiment, one or more image sensors (eg, a front sensor or a rear sensor), a lens, and an image signal processor (ISP). , or a flash (eg, an LED or xenon lamp, etc.).

The power management module 3695 may, for example, manage power of the electronic device 3601 . According to an embodiment, the power management module 3695 may include a power management integrated circuit (PMIC), a charger integrated circuit (IC), or a battery or fuel gauge. The PMIC may have a wired and/or wireless charging method. The wireless charging method includes, for example, a magnetic resonance method, a magnetic induction method, or an electromagnetic wave method, and may further include an additional circuit for wireless charging, for example, a coil loop, a resonance circuit, or a rectifier. have. The battery gauge may measure, for example, a remaining amount of the battery 3696 , a voltage during charging, a current, or a temperature. The battery 3696 may include, for example, a rechargeable battery and/or a solar battery.

The indicator 3697 may display a specific state of the electronic device 3601 or a part thereof (eg, the processor 3610 ), for example, a booting state, a message state, or a charging state. The motor 3698 may convert an electrical signal into mechanical vibration, and may generate vibration or a haptic effect. Although not shown, the electronic device 3601 may include a processing unit (eg, GPU) for supporting mobile TV. The processing device for supporting mobile TV may process media data according to standards such as digital multimedia broadcasting (DMB), digital video broadcasting (DVB), or mediaFloTM, for example.

Each of the components described in this document may be composed of one or more components, and the name of the component may vary depending on the type of the electronic device. In various embodiments, the electronic device may be configured to include at least one of the components described in this document, and some components may be omitted or may further include additional other components. In addition, since some of the components of the electronic device according to various embodiments are combined to form a single entity, the functions of the components prior to being combined may be identically performed.

37 is a block diagram of a program module according to various embodiments of the present disclosure; According to an embodiment, the program module 3710 (eg, the program 14 ) is an operating system (OS) and/or an operating system that controls resources related to the electronic device (eg, the electronic device 11 ). It may include various applications (eg, the application program 14D) running on the system. The operating system may be, for example, Android, iOS, Windows, Symbian, Tizen, or bada.

The program module 3710 may include a kernel 3720 , middleware 3730 , an application programming interface (API) 3760 , and/or an application 3770 . At least a portion of the program module 3710 may be preloaded on the electronic device or may be downloaded from an external electronic device (eg, the electronic devices 19A and 19B, the server 19C, etc.).

The kernel 3720 (eg, the kernel 14A) may include, for example, a system resource manager 3721 and/or a device driver 3723 . The system resource manager 3721 may control, allocate, or recover system resources. According to an embodiment, the system resource manager 3721 may include a process manager, a memory manager, or a file system manager. The device driver 3723 may include, for example, a display driver, a camera driver, a Bluetooth driver, a shared memory driver, a USB driver, a keypad driver, a WiFi driver, an audio driver, or an inter-process communication (IPC) driver. .

The middleware 3730 provides, for example, functions commonly required by the applications 3770 or provides various functions through the API 3760 so that the applications 3770 can efficiently use limited system resources inside the electronic device. Functions may be provided to the application 3770 . According to an embodiment, the middleware 3730 (eg, the middleware 14B) includes a runtime library 3735 , an application manager 3741 , a window manager 3742 , and a multimedia manager. ) (3743), resource manager (3744), power manager (3745), database manager (3746), package manager (3747), connectivity manager ) 3748 , a notification manager 3749 , a location manager 3750 , a graphic manager 3751 , or a security manager 3752 . can do.

The runtime library 3735 may include, for example, a library module used by the compiler to add a new function through a programming language while the application 3770 is being executed. The runtime library 3735 may perform input/output management, memory management, or a function for an arithmetic function.

The application manager 3741 may manage, for example, a life cycle of at least one application among the applications 3770 . The window manager 3742 may manage GUI resources used in the screen. The multimedia manager 3743 may identify a format required for reproduction of various media files, and may encode or decode the media file using a codec suitable for the format. The resource manager 3744 may manage resources such as source code, memory, or storage space of at least one of the applications 3770 .

The power manager 3745 may, for example, operate together with a BIOS (basic input/output system), etc. to manage a battery or power, and provide power information required for the operation of the electronic device. The database manager 3746 may create, search, or change a database to be used by at least one of the applications 3770 . The package manager 3747 may manage installation or update of applications distributed in the form of package files.

The connection manager 3748 may manage a wireless connection such as WiFi or Bluetooth, for example. The notification manager 3749 may display or notify an event such as an arrival message, an appointment, or a proximity notification in a non-obstructive manner to the user. The location manager 3750 may manage location information of the electronic device. The graphic manager 3751 may manage a graphic effect to be provided to a user or a user interface related thereto. The security manager 3752 may provide various security functions necessary for system security or user authentication. According to an embodiment, when the electronic device (eg, the electronic device 11 ) includes a phone function, the middleware 3730 further includes a telephony manager for managing the voice or video call function of the electronic device. can do.

The middleware 3730 may include a middleware module that forms a combination of various functions of the aforementioned components. The middleware 3730 may provide a module specialized for each type of operating system in order to provide a differentiated function. Also, the middleware 3730 may dynamically delete some existing components or add new components.

The API 3760 (eg, API 14C) is, for example, a set of API programming functions, and may be provided in a different configuration depending on the operating system. For example, in the case of Android or iOS, one API set may be provided for each platform, and in the case of Tizen, two or more API sets may be provided for each platform.

The application 3770 (eg, the application program 147 ) may include, for example, a home 3771 , a dialer 3772 , an SMS/MMS 3773 , an instant message (IM) 3774 , a browser 3775 , Camera 3776, Alarm 3777, Contacts 3778, Voice Dial 3779, Email 3780, Calendar 3781, Media Player 3782, Album 3783, or Clock 3784, Health Care It may include one or more applications capable of performing a function such as health care (eg, measuring exercise amount or blood sugar) or providing environmental information (eg, providing information on air pressure, humidity, or temperature).

According to an embodiment, the application 3770 is an application that supports information exchange between an electronic device (eg, the electronic device 11 ) and an external electronic device (eg, the electronic devices 19A and 19B) (hereinafter, described below). For convenience, "information exchange application") may be included. The information exchange application may include, for example, a notification relay application for transmitting specific information to an external electronic device or a device management application for managing the external electronic device.

For example, the notification delivery application transmits notification information generated by another application of the electronic device (eg, SMS/MMS application, email application, health management application, or environment information application) to an external electronic device (eg, electronic device 19A). , 19B)). Also, the notification delivery application may receive notification information from, for example, an external electronic device and provide the notification information to the user.

The device management application may include, for example, at least one function of an external electronic device (eg, the electronic devices 19A and 19B) communicating with the electronic device (eg, the electronic device 11) Alternatively, turn-on/turn-off of some components) or control of the brightness (or resolution) of the display), an application running on an external electronic device, or a service provided by an external electronic device (eg, a call service or a message service, etc.) ) can be managed (eg, installed, uninstalled, or updated).

According to an embodiment, the application 3770 may include an application (eg, a health management application of a mobile medical device, etc.) specified according to a property (eg, the electronic devices 19A and 19B) of the external electronic device (eg, the electronic devices 19A and 19B). According to an embodiment, the application 3770 may include an application received from an external electronic device (eg, the server 19C or the electronic devices 19A and 19B). may include a preloaded application or a third party application downloadable from a server The names of components of the program module 3710 according to the illustrated embodiment depend on the type of the operating system. Therefore, it may vary.

According to various embodiments, at least a portion of the program module 3710 may be implemented in software, firmware, hardware, or a combination of at least two or more thereof. At least a portion of the program module 3710 may be implemented (eg, executed) by, for example, a processor (eg, the processor 12 ). At least a portion of the program module 3710 may include, for example, a module, a program, a routine, sets of instructions, or a process for performing one or more functions.

As used herein, the term “module” may refer to, for example, a unit including one or a combination of two or more of hardware, software, or firmware. The term “module” may be used interchangeably with terms such as, for example, unit, logic, logical block, component, or circuit. A “module” may be a minimum unit or a part of an integrally configured component. A “module” may be a minimum unit or a part of performing one or more functions. A “module” may be implemented mechanically or electronically. For example, a “module” may be one of an application-specific integrated circuit (ASIC) chip, field-programmable gate arrays (FPGAs) or programmable-logic device, known or to be developed, that performs certain operations. It may include at least one.

At least a portion of an apparatus (eg, modules or functions thereof) or a method (eg, operations) according to various embodiments is, for example, a computer-readable storage medium in the form of a program module It can be implemented as a command stored in . When the instruction is executed by a processor (eg, the processor 12), the one or more processors may perform a function corresponding to the instruction. The computer-readable storage medium may be, for example, the memory 13 .

Computer-readable recording media include hard disks, floppy disks, magnetic media (eg, magnetic tape), optical media (eg, compact disc read only memory (CD-ROM), DVD ( digital versatile disc), magneto-optical media (such as floppy disk), hardware devices (such as read only memory (ROM), random access memory (RAM), or flash memory, etc.) ), etc. In addition, the program instructions may include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter, etc. The above-described hardware devices include various It may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

A module or program module according to various embodiments may include at least one or more of the above-described components, some may be omitted, or may further include additional other components. Operations performed by a module, a program module, or other components according to various embodiments may be executed sequentially, in parallel, iteratively, or in a heuristic manner. Also, some operations may be executed in a different order, omitted, or other operations may be added. In addition, the embodiments disclosed in this document are presented for explanation and understanding of the disclosed and technical content, and do not limit the scope of the technology described in this document. Accordingly, the scope of this document should be construed to include all modifications or various other embodiments based on the technical spirit of this document.

The term “module” used in various embodiments of the present invention may mean, for example, a unit including one or a combination of two or more of hardware, software, or firmware. The term “module” may be used interchangeably with terms such as, for example, unit, logic, logical block, component, or circuit. A “module” may be a minimum unit or a part of an integrally configured component. A “module” may be a minimum unit or a part of performing one or more functions. A “module” may be implemented mechanically or electronically. For example, a “module” according to various embodiments of the present invention may be an application-specific integrated circuit (ASIC) chip, field-programmable gate arrays (FPGAs) or programmable logic, known or to be developed, that performs certain operations. It may include at least one of a programmable-logic device.

At least a part of an apparatus (eg, modules or functions thereof) or a method (eg, operations) according to various embodiments of the present invention is, for example, a computer-readable storage medium in the form of a programming module It can be implemented as a command stored in the storage media). When the instruction is executed by the processor, the processor may perform a function corresponding to the instruction. The computer-readable storage medium may be, for example, the storage unit 13 . At least a part of the programming module may be implemented (eg, executed) by the processor. At least a portion of the programming module may include, for example, a module, a program, a routine, sets of instructions, or a process for performing one or more functions.

Computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, and optical recording media such as compact disc read only memory (CD-ROM) and digital versatile disc (DVD). ), magneto-optical media such as a floppy disk, and program instructions such as read only memory (ROM), random access memory (RAM), flash memory, etc. (e.g. programming modules ) may include a hardware device specifically configured to store and perform In addition, the program instructions may include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the various embodiments of the present invention, and vice versa.

A module or a programming module according to various embodiments of the present invention may include at least one or more of the above-described components, some may be omitted, or may further include additional other components. Operations performed by a module, a programming module, or other components according to various embodiments of the present disclosure may be performed sequentially, in parallel, iteratively, or in a heuristic manner. Also, some operations may be executed in a different order, omitted, or other operations may be added.

And the embodiments of the present invention disclosed in the present specification and drawings are merely provided for specific examples to easily explain the technical content of according to the embodiments of the present invention and help the understanding of the embodiments of the present invention, the scope of the embodiments of the present invention It is not intended to limit Therefore, in the scope of various embodiments of the present invention, in addition to the embodiments disclosed herein, all changes or modifications derived from the technical ideas of various embodiments of the present invention should be interpreted as being included in the scope of various embodiments of the present invention. .

11, 19A, 19B: electronic devices
12: processor 13: memory
14: Program 15: I/O interface
16: display 17: communication interface
18: bus 19C: server
20A: short-range communication 20B: network

Claims (27)

A portable electronic device comprising:
a first cover constituting a front surface of the electronic device;
a second cover constituting a rear surface of the electronic device;
a memory included in a space formed between the first cover and the second cover;
a display device at least partially included in the space and exposed through the first cover;
a processor included in the space and electrically connected to the memory; and
at least one loop antenna included in the space and electrically connected to the processor;
The memory, when executed, causes the processor to:
storing data corresponding to tracks 1, 2 and 3 of the magnetic card in the memory;
and instructions for transmitting a magnetic field signal including data corresponding to at least two of the track 1, track 2 and track 3 during one period through the at least one loop antenna. The method of claim 1, wherein the instructions
The apparatus according to claim 1, wherein a magnetic field signal including inverted data in which the binary data corresponding to the track 1 or the track 2 is configured in a reverse order is transmitted during one period. The method of claim 1, wherein the instructions
Inverted data obtained by periodically transmitting a first magnetic field signal including data corresponding to one of the tracks 1, 2, and 3 several times, and then composing the binary of the data and data corresponding to the other one of the tracks in the reverse order Device characterized in that it is to transmit the second magnetic field signal including the periodically several times. ◈Claim 4 was abandoned when paying the registration fee.◈ The method of claim 3, wherein the instructions
The apparatus of claim 1, wherein the second magnetic field signal is transmitted at the same period as the first magnetic field signal. The method of claim 3, wherein the instructions
After the second magnetic field signal is periodically transmitted several times, the third magnetic field signal including the data is periodically transmitted several times, and then the fourth magnetic field signal including the data and the inversion data is periodically transmitted several times. A device characterized in that it does. ◈Claim 6 was abandoned when paying the registration fee.◈ The method of claim 5, wherein the instructions
The apparatus of claim 1, wherein the third magnetic field signal is transmitted with a longer period than the first magnetic field signal. ◈Claim 7 was abandoned when paying the registration fee.◈ The method of claim 5, wherein the instructions
The apparatus according to claim 1, wherein the fourth magnetic field signal is transmitted with a longer period than the second magnetic field signal. ◈Claim 8 was abandoned when paying the registration fee.◈ The method of claim 7, wherein the instructions
The apparatus according to claim 1, wherein the fourth magnetic field signal is transmitted at the same period as the third magnetic field signal. The method of claim 1, wherein the instructions
The apparatus according to claim 1, wherein the magnetic field signal including data in which at least a portion of the data corresponding to the track is replaced with a token is transmitted during one cycle. The method of claim 1, wherein the instructions
The device according to claim 1, wherein it is determined whether to transmit the magnetic field signal based at least in part on an input through the display device and/or at least one sensor. ◈Claim 11 was abandoned when paying the registration fee.◈ 11. The device of claim 10, wherein the at least one sensor comprises a fingerprint sensor. The method of claim 1, wherein the instructions
An electronic device, characterized in that it transmits the same magnetic field signal through a plurality of loop antennas. The method of claim 1, wherein the instructions
An electronic device, characterized in that by sequentially selecting a plurality of loop antennas to transmit the same magnetic field signal. The method of claim 1, wherein the instructions
An electronic device, characterized in that it transmits a magnetic field signal of another track through a plurality of loop antennas. The method of claim 1, wherein the instructions
and to stop transmission of the magnetic field signal in response to a signal generated by the at least one sensor and/or a user input. The device of claim 1, wherein the portable electronic device is one of a mobile phone, a wearable device, a tablet computer, and a laptop computer. A method of operating an electronic device, comprising:
displaying an object related to a card for payment;
performing user authentication in response to a user's payment request; and
and controlling the magnetic field communication module to transmit a magnetic field signal including data corresponding to at least two of track 1, track 2, and track 3 of the magnetic card during one period when the user authentication is completed. ◈Claim 18 was abandoned when paying the registration fee.◈ The method of claim 17, wherein the controlling operation comprises:
and controlling to transmit a magnetic field signal including inverted data in which the binary of data corresponding to the track 1 or the track 2 is configured in a reverse order during one period. ◈Claim 19 was abandoned at the time of payment of the registration fee.◈ The method of claim 17, wherein the controlling operation comprises:
Inverted data obtained by periodically transmitting a first magnetic field signal including data corresponding to one of the tracks 1, 2, and 3 several times, and then composing the binary of the data and data corresponding to the other one of the tracks in the reverse order A method comprising the operation of controlling to periodically transmit the second magnetic field signal including the plurality of times. A storage medium storing instructions,
The instructions are configured to cause the at least one processor to perform at least one operation when executed by the at least one processor, wherein the at least one operation comprises:
displaying an object related to a card for payment;
performing user authentication in response to a user's payment request; and
and controlling the magnetic field communication module to transmit a magnetic field signal including data corresponding to at least two of track 1, track 2, and track 3 of the magnetic card during one period when the user authentication is completed. A portable electronic device comprising:
a housing comprising a first surface and a second surface facing in a direction opposite to the first surface;
a user interface device exposed through the first surface;
a memory contained within the housing;
a processor contained within the housing and electrically coupled to the user interface device and the memory; and
at least one conductive pattern included in or formed by a part of the housing and electrically connected to the processor;
The memory temporarily stores at least the first payment information in the first format and the second payment information in the second format,
The memory, when executed, causes the processor to:
generating a sequence of a plurality of signals using the first payment information and/or the second payment information;
storing instructions for magnetically transmitting the sequence of the plurality of signals to the outside through the conductive pattern;
The apparatus of claim 1, wherein at least one of the plurality of sequences of signals includes pulses representing all of the first payment information and/or the second payment information. 22. The method of claim 21, wherein the instructions are:
and in response to a single input of a user through the user interface device, transmit the sequence of the plurality of signals to the outside. The apparatus of claim 21, wherein at least one of the plurality of sequences of signals includes pulses indicating all of the first payment information and all of the second payment information in order. The method of claim 21, wherein the sequence of the plurality of signals comprises:
a first signal comprising pulses of a first pulse period, and
and a second signal comprising pulses of a second pulse period different from the first pulse period. The method of claim 21, wherein the sequence of the plurality of signals comprises:
first signal,
a second signal generated after a first time interval from the first signal, and
a third signal generated after a second time interval from the second signal;
and the first time interval is different from the second time interval. The apparatus of claim 21, wherein at least one of the plurality of sequences of signals includes pulses representing all of the first payment information and all of the second payment information in reverse order. The method of claim 21, wherein the memory further stores at least temporarily third payment information in a third format,
Upon execution, the processor:
generating a sequence of a plurality of signals using at least one of the first payment information, the second payment information, or the third payment information;
storing instructions for magnetically transmitting the sequence of the plurality of signals to the outside through the conductive pattern;
At least one signal among the plurality of sequences of signals may include the first payment information and the second payment information. or pulses indicating all of at least one of the third payment information.

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