Portable electronic device supporting non-terrestrial region transactions

Abstract

The portable electronic device can acquire travel information about a user, transmit a first message including identification information of a card company that issued a card registered in the portable electronic device and information included in the travel information to a server based on the travel information, receive a second message related to the first message, and acquire a token to be used for card payment when the user rides a transportation means that transports between countries based on the second message.

Description

Technical Field

[0001] Embodiments of this disclosure relate to a portable electronic device for supporting transactions conducted in areas where the boundaries between countries are unclear (e.g., the high seas) (hereinafter referred to as non-terrestrial areas). Background Technology

[0002] Tokens are a substitute for protected originals and can be used for mobile payment services. For example, a portable electronic device (e.g., a smartphone) can store a token corresponding to a card number (e.g., a credit card) used for payment. The portable electronic device can then use the stored token to make payments for accessing online services or products.

[0003] Tokens can include universal tokens conforming to global standards (e.g., Europay, MasterCard, Visa (EMV)) and proprietary tokens conforming to standards independently established in specific countries. When a user moves between countries, the token payment method can be changed. For example, when a user moves from their country of residence to another country, a portable electronic device can receive the corresponding country code (e.g., a Mobile Country Code (MCC)) via a wireless communication circuit. The portable electronic device can then change the token payment method from using a proprietary token to using a universal token based on the received country code.

[0004] The above information is provided to aid in understanding the relevant technology of this disclosure. None of the above is claimed or identified as prior art applicable to this disclosure. Summary of the Invention

[0005] [Technical Issues]

[0006] Card companies can support both dedicated token payment methods and universal token payment methods. Fees vary depending on the payment method. For example, there may be no fee when using a dedicated token, while a fee may be set for a specified amount or an amount based on the payment amount when using a universal token.

[0007] When moving in non-ground areas (e.g., the sky, sea, or space), transportation equipment (e.g., aircraft, cruise ships, or urban air mobility (UAM)) can use tokens to offer mobile payment services to passengers. Companies operating transportation equipment (i.e., companies using transportation equipment to provide transportation services) can have affiliations (or partnerships) with card companies that support country-specific tokens regarding pre-booked policies. For example, passengers may be exempt from transaction fees when purchasing service rights or goods sold on transportation equipment using a card from a card company affiliated with the company operating the transportation equipment. As another example, discounts may be applied, or points (e.g., miles) may be accumulated.

[0008] Various embodiments may provide a portable electronic device that supports payment using tokens in transport equipment moving in non-ground areas. Various embodiments may also provide a portable electronic device that, when the card company has an affiliation with the transport equipment operator, can make payments using a dedicated token for the card registered in the portable electronic device.

[0009] The technical problems to be solved in this disclosure are not limited to those described above, and other technical problems not mentioned can be clearly understood by those skilled in the art from the following description.

[0010] Solution to the problem

[0011] According to an embodiment, the portable electronic device may include a touch-sensitive display, a wireless communication circuit, a processor connected to the display and the wireless communication circuit, and a memory storing instructions executable by the processor. When executed by the processor, the instructions may cause the portable electronic device to: identify travel information, including identification information of a transport device moving between countries via non-ground areas, based on data received from an external device via the wireless communication circuit or based on data stored in the memory; based on the travel information identified from the data, send an ancillary query request message via the wireless communication circuit to a first external device, the ancillary query request message including identification information of a card company issuing a card registered in the portable electronic device and identification information of the transport device; in response to the transmission of the card company's identification information and the transport device's identification information, receive via the wireless communication circuit an ancillary query response message including ancillary information indicating whether the transport device's operating company and the card company are affiliated; and based on the identification of an affiliated relationship between the operating company and the card company from the ancillary information, configure a second token as an active token for payment, between a first token and a second token.

[0012] According to an embodiment, a method of operating a portable electronic device may include: identifying travel information, including identification information of a transport device moving between countries via non-ground areas, based on data received from an external device via a wireless communication circuit of the portable electronic device or based on data stored in the memory of the portable electronic device; sending an ancillary query request message via a wireless communication circuit to a first external device based on the travel information identified from the data, the ancillary query request message including identification information of a card company issuing a card registered in the portable electronic device and identification information of the transport device; receiving, via a wireless communication circuit, an ancillary query response message, including ancillary information indicating whether the operating company of the transport device and the card company are affiliated, from the first external device or a second external device other than the first external device in response to the transmission of the card company's identification information and the transport device's identification information; and configuring a second token as an active token for payment, based on the identification from the ancillary information that the operating company and the card company are affiliated, between a first token and a second token.

[0013] According to an embodiment, the portable electronic device may include a touch-sensitive display, a wireless communication circuit, a processor, and a memory storing instructions. When executed by the processor, the instructions may cause the portable electronic device to: obtain travel information of a user of the portable electronic device; based on the travel information, send a first message to a server via the wireless communication circuit, the first message including identification information of a card company that issued a card registered in the portable electronic device and information included in the travel information; receive a second message related to the first message via the wireless communication circuit; determine whether the user is on a transport device moving between countries based on at least one of the travel information and information related to the location of the portable electronic device identified via the wireless communication circuit; and if the user is on a transport device, obtain a token for card payment based on the second message.

[0014] According to an embodiment, a method of operating a portable electronic device may include: obtaining travel information of a user of the portable electronic device; sending a first message to a server via a wireless communication circuit of the portable electronic device based on the travel information, the first message including identification information of a card company that issued a card registered in the portable electronic device and information included in the travel information; receiving a second message related to the first message via the wireless communication circuit; determining whether the user is on a transport device moving between countries based on at least one of the travel information and information related to the location of the portable electronic device identified via the wireless communication circuit; and obtaining a token for card payment based on the second message when the user is on the transport device.

[0015] [Beneficial effects of the invention]

[0016] According to embodiments of this disclosure, portable electronic devices can provide mobile payment services using tokens in non-terrestrial areas. When the operator of the transportation equipment and the card company are affiliated, the portable electronic device can use a dedicated token that is economically advantageous to the user to provide mobile payment services. Additionally, various effects directly or indirectly identifiable through this disclosure can be provided. Attached Figure Description

[0017] Figure 1 This is a block diagram of an electronic device in a network environment according to various embodiments.

[0018] Figure 2 This is a block diagram of a portable electronic device configured to support transactions performed in non-terrestrial areas, according to an embodiment.

[0019] Figure 3 This is a flowchart illustrating the operation of determining an active token to be used in a non-ground area in a portable electronic device according to an embodiment.

[0020] Figure 4 An example of a user interface (UI) for interacting with the user is shown, which incorporates a determination of an activity token.

[0021] Figure 5 This is a flowchart illustrating the operation of determining an active token to be used in a non-ground area in a portable electronic device according to an embodiment.

[0022] Figure 6 An example of a user interface (UI) for interacting with the user is shown, which incorporates a determination of an activity token.

[0023] Figure 7 This is a flowchart illustrating the operation of determining an active token to be used in a non-ground area in a portable electronic device according to an embodiment.

[0024] Figure 8 An example of a user interface (UI) for interacting with the user is shown, which incorporates a determination of an activity token.

[0025] Figure 9 This is a flowchart illustrating the operation of determining an active token to be used in a non-ground area in a portable electronic device according to an embodiment.

[0026] Figure 10 This is a flowchart illustrating the operation performed in a portable electronic device according to an embodiment to configure an activity token and use it for payment.

[0027] Figure 11a , 11bFigures 11c and 11d show examples of user interfaces (UIs) that combine the use of tokens in non-ground areas for user interaction.

[0028] Figure 12 This is a flowchart illustrating the operation performed in a portable electronic device according to an embodiment to configure an activity token and use it for payment.

[0029] In the following, embodiments of the present disclosure will be described in detail with reference to the accompanying drawings, enabling those skilled in the art to readily practice the embodiments of the present disclosure. However, the present disclosure can be implemented in various different forms and is not limited to the embodiments described herein. In describing the drawings, the same or similar components may be denoted by the same or similar reference numerals. Furthermore, in the drawings and related descriptions, descriptions of well-known functions and configurations may be omitted for clarity and brevity. Detailed Implementation

[0030] Figure 1 This is a block diagram illustrating an electronic device 101 in a network environment 100 according to various embodiments. (Refer to...) Figure 1 In network environment 100, electronic device 101 can communicate with electronic device 102 via a first network 198 (e.g., a short-range wireless communication network), or with at least one of electronic device 104 or server 108 via a second network 199 (e.g., a long-range wireless communication network). According to an embodiment, electronic device 101 can communicate with electronic device 104 via server 108. According to an embodiment, electronic device 101 may include a processor 120, memory 130, input module 150, sound output module 155, display module 160, audio module 170, sensor module 176, interface 177, connection terminal 178, haptic module 179, camera module 180, power management module 188, battery 189, communication module 190, user identification module (SIM) 196, or antenna module 197. In some embodiments, at least one of the above components (e.g., connection terminal 178) may be omitted from electronic device 101, or one or more other components may be added to electronic device 101. In some embodiments, some of the components described above (e.g., sensor module 176, camera module 180, or antenna module 197) may be implemented as a single integrated component (e.g., display module 160).

[0031] Processor 120 may run software (e.g., program 140) to control at least one other component (e.g., hardware or software component) of electronic device 101 connected to processor 120, and may perform various data processing or calculations. According to one embodiment, as at least part of the data processing or calculation, processor 120 may store commands or data received from another component (e.g., sensor module 176 or communication module 190) in volatile memory 132, process the commands or data stored in volatile memory 132, and store the result data in non-volatile memory 134. According to an embodiment, processor 120 may include a main processor 121 (e.g., central processing unit (CPU) or application processor (AP)) or an auxiliary processor 123 (e.g., graphics processing unit (GPU), neural processing unit (NPU), image signal processor (ISP), sensor central processor, or communication processor (CP)) that is operationally independent of or combined with the main processor 121. For example, when electronic device 101 includes a main processor 121 and an auxiliary processor 123, the auxiliary processor 123 may be adapted to consume less power than the main processor 121, or to be dedicated to a specific function. The auxiliary processor 123 may be implemented separately from the main processor 121, or may be implemented as part of the main processor 121.

[0032] When the main processor 121 is inactive (e.g., in sleep) state, the auxiliary processor 123 (rather than the main processor 121) can control at least some of the functions or states associated with at least one component of the electronic device 101 (e.g., display module 160, sensor module 176, or communication module 190), or when the main processor 121 is active (e.g., running an application), the auxiliary processor 123 can work with the main processor 121 to control at least some of the functions or states associated with at least one component of the electronic device 101 (e.g., display module 160, sensor module 176, or communication module 190). According to embodiments, the auxiliary processor 123 (e.g., an image signal processor or a communication processor) may be implemented as part of another component (e.g., camera module 180 or communication module 190) functionally associated with the auxiliary processor 123. According to embodiments, the auxiliary processor 123 (e.g., a neural processing unit) may include hardware architecture dedicated to artificial intelligence model processing. Artificial intelligence models can be generated through machine learning. For example, such learning can be performed via electronic device 101 where artificial intelligence is performed or via a separate server (e.g., server 108). The learning algorithm may include, but is not limited to, supervised learning, unsupervised learning, semi-supervised learning, or reinforcement learning. The artificial intelligence model may include multiple layers of artificial neural networks. The artificial neural network may be a deep neural network (DNN), a convolutional neural network (CNN), a recurrent neural network (RNN), a restricted Boltzmann machine (RBM), a deep belief network (DBN), a bidirectional recurrent deep neural network (BRDNN), or a deep Q-network, or a combination of two or more thereof, but is not limited thereto. Additionally or optionally, the artificial intelligence model may include software structures in addition to hardware structures.

[0033] Memory 130 may store various data used by at least one component of electronic device 101 (e.g., processor 120 or sensor module 176). The various data may include, for example, software (e.g., program 140) and input or output data for commands associated with it. Memory 130 may include volatile memory 132 or non-volatile memory 134.

[0034] The program 140 may be stored as software in the memory 130, and the program 140 may include, for example, an operating system (OS) 142, middleware 144, or application 146.

[0035] The input module 150 can receive commands or data from outside the electronic device 101 (e.g., a user) that will be used by other components of the electronic device 101 (e.g., processor 120). The input module 150 may include, for example, a microphone, mouse, keyboard, keys (e.g., buttons), or digital pen (e.g., stylus).

[0036] The sound output module 155 can output sound signals to the outside of the electronic device 101. The sound output module 155 may include, for example, a speaker or a receiver. The speaker can be used for general purposes such as playing multimedia or playing records. The receiver can be used to receive incoming calls. According to an embodiment, the receiver can be implemented separately from the speaker or as part of the speaker.

[0037] Display module 160 can visually provide information to the outside of electronic device 101 (e.g., to a user). Display device 160 may include, for example, a display, a holographic device, or a projector, and control circuitry for controlling a respective one of the display, holographic device, and projector. According to an embodiment, display module 160 may include a touch sensor adapted to detect touch or a pressure sensor adapted to measure the intensity of the force caused by touch.

[0038] The audio module 170 can convert sound into electrical signals and vice versa. According to an embodiment, the audio module 170 can obtain sound via the input module 150, or output sound via the sound output module 155 or headphones of an external electronic device (e.g., electronic device 102) that is directly (e.g., wired) or wirelessly connected to the electronic device 101.

[0039] Sensor module 176 can detect the operating state of electronic device 101 (e.g., power or temperature) or the environmental state outside electronic device 101 (e.g., user state), and then generate an electrical signal or data value corresponding to the detected state. According to embodiments, sensor module 176 may include, for example, a gesture sensor, gyroscope sensor, atmospheric pressure sensor, magnetic sensor, accelerometer, grip sensor, proximity sensor, color sensor, infrared (IR) sensor, biometric sensor, temperature sensor, humidity sensor, or illuminance sensor.

[0040] Interface 177 may support one or more specific protocols used to enable electronic device 101 to connect directly (e.g., wired) or wirelessly to external electronic devices (e.g., electronic device 102). According to embodiments, interface 177 may include, for example, a High Definition Multimedia Interface (HDMI), a Universal Serial Bus (USB) interface, a Secure Digital Card (SD) interface, or an audio interface.

[0041] Connection 178 may include a connector, through which electronic device 101 may be physically connected to an external electronic device (e.g., electronic device 102). According to embodiments, connection 178 may include, for example, an HDMI connector, a USB connector, an SD card connector, or an audio connector (e.g., a headphone connector).

[0042] The haptic module 179 can convert electrical signals into mechanical stimuli (e.g., vibration or motion) or electrical stimuli that can be recognized by a user through his touch or kinesthesia. According to an embodiment, the haptic module 179 may include, for example, a motor, a piezoelectric element, or an electrical stimulator.

[0043] Camera module 180 can capture still or moving images. According to an embodiment, camera module 180 may include one or more lenses, an image sensor, an image signal processor, or a flash.

[0044] The power management module 188 manages the power supply to the electronic device 101. According to an embodiment, the power management module 188 may be implemented as at least part of, for example, a power management integrated circuit (PMIC).

[0045] Battery 189 can power at least one component of electronic device 101. According to an embodiment, battery 189 may include, for example, a non-rechargeable primary battery, a rechargeable rechargeable battery, or a fuel cell.

[0046] Communication module 190 can support the establishment of a direct (e.g., wired) or wireless communication channel between electronic device 101 and external electronic devices (e.g., electronic device 102, electronic device 104, or server 108), and perform communication via the established communication channel. Communication module 190 may include one or more communication processors capable of operating independently of processor 120 (e.g., application processor (AP)) and support direct (e.g., wired) or wireless communication. According to embodiments, communication module 190 may include wireless communication module 192 (e.g., cellular communication module, short-range wireless communication module, or Global Navigation Satellite System (GNSS) communication module) or wired communication module 194 (e.g., local area network (LAN) communication module or power line communication (PLC) module). One of these communication modules can communicate with an external electronic device via a first network 198 (e.g., a short-range communication network such as Bluetooth, Wi-Fi Direct, or Infrared Data Association (IrDA)) or a second network 199 (e.g., a long-range communication network such as a traditional cellular network, 5G network, next-generation communication network, the Internet, or a computer network (e.g., a LAN or a wide area network (WAN))). These various types of communication modules can be implemented as a single component (e.g., a single chip) or as multiple components separate from each other (e.g., multiple chips). The wireless communication module 192 can identify and verify the electronic device 101 in the communication network (such as the first network 198 or the second network 199) using user information (e.g., the International Mobile Subscriber Identity (IMSI)) stored in the user identification module 196.

[0047] Wireless communication module 192 can support 5G networks following 4G networks and next-generation communication technologies (such as new radio (NR) access technologies). NR access technologies can support enhanced mobile broadband (eMBB), massive machine-type communication (mMTC), or ultra-reliable low-latency communication (URLLC). Wireless communication module 192 can support high-frequency bands (e.g., millimeter-wave bands) to achieve, for example, high data transmission rates. Wireless communication module 192 can support various technologies used to ensure performance in high-frequency bands, such as, for example, beamforming, massive MIMO, full-dimensional MIMO (FD-MIMO), array antennas, analog beamforming, or massive antennas. Wireless communication module 192 can support various requirements specified in electronic device 101, external electronic devices (e.g., electronic device 104), or network systems (e.g., second network 199). According to an embodiment, the wireless communication module 192 may support peak data rates (e.g., 20 Gbps or greater) for implementing eMBB, lost coverage (e.g., 164 dB or less) for implementing mMTC, or U-plane latency (e.g., 0.5 ms or less for each of the downlink (DL) and uplink (UL), or 1 ms or less round trip) for implementing URLLC.

[0048] Antenna module 197 can transmit or receive signals or power to or from the exterior of electronic device 101 (e.g., external electronic device). According to an embodiment, antenna module 197 may include an antenna comprising a radiating element formed of a conductive material or conductive pattern formed in or on a substrate (e.g., a printed circuit board (PCB)). According to an embodiment, antenna module 197 may include multiple antennas (e.g., an array antenna). In this case, at least one antenna suitable for a communication scheme used in a communication network (such as a first network 198 or a second network 199) can be selected from the multiple antennas by, for example, communication module 190 (e.g., wireless communication module 192). Signals or power can then be transmitted or received between communication module 190 and the external electronic device via the selected at least one antenna. According to an embodiment, additional components besides the radiating element (e.g., a radio frequency integrated circuit (RFIC)) may be additionally incorporated into antenna module 197.

[0049] According to various embodiments, antenna module 197 may form a millimeter-wave antenna module. According to embodiments, the millimeter-wave antenna module may include a printed circuit board, a radio frequency integrated circuit (RFIC), and multiple antennas (e.g., an array antenna), wherein the RFIC is disposed on or adjacent to a first surface (e.g., a bottom surface) of the printed circuit board and is capable of supporting a specified high-frequency band (e.g., a millimeter-wave band), and the multiple antennas are disposed on or adjacent to a second surface (e.g., a top surface or a side surface) of the printed circuit board and are capable of transmitting or receiving signals in the specified high-frequency band.

[0050] At least some of the aforementioned components can be interconnected and communicate signals (e.g., commands or data) between them via an inter-peripheral communication scheme (e.g., bus, general purpose input / output (GPIO), serial peripheral interface (SPI), or mobile industrial processor interface (MIPI)).

[0051] According to an embodiment, commands or data can be sent or received between electronic device 101 and external electronic device 104 via server 108 connected to a second network 199. Each of electronic device 102 or electronic device 104 can be a device of the same type as electronic device 101, or a device of a different type. According to an embodiment, all or some operations that would be performed on electronic device 101 can be performed on one or more of external electronic devices 102, external electronic devices 104, or server 108. For example, if electronic device 101 is required to automatically perform a function or service, or is required to perform a function or service in response to a request from a user or another device, electronic device 101 may request the one or more external electronic devices to perform at least a portion of the function or service, instead of running the function or service, or electronic device 101 may request the one or more external electronic devices to perform at least a portion of the function or service in addition to running the function or service. Upon receiving the request, one or more external electronic devices may perform at least a portion of the requested function or service, or perform additional functions or services related to the request, and transmit the result of the execution to electronic device 101. Electronic device 101 may provide the result as at least a partial response to the request, with or without further processing of the result. For this purpose, technologies such as cloud computing, distributed computing, mobile edge computing (MEC), or client-server computing may be used. Electronic device 101 may use, for example, distributed computing or mobile edge computing to provide ultra-low latency services. In another embodiment, external electronic device 104 may include an Internet of Things (IoT) device. Server 108 may be an intelligent server using machine learning and / or neural networks. According to embodiments, external electronic device 104 or server 108 may be included in a second network 199. Electronic device 101 may be applied to intelligent services based on 5G communication technology or IoT-related technologies (e.g., smart homes, smart cities, smart cars, or healthcare).

[0052] Figure 2 This is a block diagram of a portable electronic device 201 configured to support transactions performed in non-terrestrial areas, according to an embodiment. (Refer to...) Figure 2 Electronic device 201 (e.g., Figure 1 The electronic device 201 may include a touch-sensitive display 210, a wireless communication circuit 220, a sensing circuit 230, a memory 288, and a processor 299. Components of the electronic device 201 may be operatively, functionally, and / or electrically connected to each other. The display 210, wireless communication circuit 220, sensing circuit 230, memory 288, and processor 299 may be respectively connected to… Figure 1The display module 160, wireless communication module 192, sensor module 176, memory 130, and processor 120 are implemented substantially the same and can perform the same functions. Memory 288 can store programs used to support transactions, as well as tokens 241 and 242. For example, memory 288 may include a volatile first memory and a non-volatile second memory. Programs (e.g., Figure 1 The program 140 can be stored as instructions in a second memory, loaded into the first memory, and executed by the processor 299. When executed by the processor 299, the program can cause the electronic device 201 to perform a given operation (e.g., online transaction using tokens 241 and 242 in a non-ground area). According to embodiments, the program may include application 250, travel information recognition module 261, event generation module 263, query module 265, token management module 267, and sensor management module 269. Processes residing in the first memory (e.g., RAM) and being executed or waiting can be classified, for example, as background processes and foreground processes (or top-level processes, non-background processes). For example, a process corresponding to the execution screen of a program displayed on display 210 and capable of performing user interaction (e.g., application 230) can be classified as a foreground process. Processes not displayed on display 210 (e.g., modules 261, 263, 265, 267, and 269) can be classified as background processes.

[0053] According to an embodiment, 250 (e.g., Figure 1 Application 146 may include a first application (in other words, a travel application) (e.g., a ticketing application, hotel booking application, messenger, or calendar / schedule application) that provides travel-related information (hereinafter referred to as travel information) to another program (e.g., travel information identification module 261). Application 250 may include a second application (in other words, a payment application) (e.g., a wallet) that supports mobile payment services using payment information (e.g., a card number or its corresponding token).

[0054] According to an embodiment, when application 251 is executed in portable electronic device 201, travel information identification module 261 can identify travel information from data received from an external device via wireless communication circuit 220 and stored in memory 288. For example, travel information that can be identified from the data stored in memory 288 may include identification information of the transport vehicle (e.g., cruise name, aircraft name, or aircraft number), information indicating the country of departure of the transport vehicle, information indicating the country of arrival of the transport vehicle, information indicating the company operating the transport vehicle, information indicating the nationality of the operating company, information indicating the planned boarding time of the passenger (user) on the transport vehicle, information indicating the planned departure time of the transport vehicle from the departure point, information indicating the planned arrival time of the transport vehicle to the destination, or information indicating the planned disembarkation time of the passenger from the transport vehicle.

[0055] According to an embodiment, the travel information identification module 261 can receive data from an external device via a wireless communication circuit 220 and identify travel information from the received data. For example, the wireless communication circuit 220 may include a Wi-Fi communication circuit. A first external device (e.g., a Wi-Fi wireless router) may send a response signal in response to a scan signal. The travel information identification module 261 may identify network information from the response signal. The network information may include travel information. For example, the travel information identification module 261 may identify the identification information of the first external device and the identification information of the transportation equipment to which the first external device is located (e.g., aircraft name or aircraft number) from the response signal. As another example, the travel information identification module 261 may send the identification information of the transportation equipment obtained from the first external device to a second external device (e.g., a transportation equipment information query server 204) via the wireless communication circuit 220 (e.g., a cellular communication circuit or a Wi-Fi communication circuit) to request additional travel information from the second external device. The travel information identification module 261 may receive a response message from the second external device via the wireless communication circuit 220 in response to the request and identify travel information (e.g., departure time, boarding time, or arrival time) from the response message.

[0056] According to an embodiment, the travel information identification module 261 can identify information indicating that the first external device is associated with transportation equipment moving in a non-ground area (e.g., airline code and unique aircraft identification number assigned to the airline) from the identification information of the first external device in the response signal. For example, when the airline is Korean Air, the travel information identification module 261 can identify the airline code "KE" and the corresponding aircraft number from the identification information of the first external device. The travel information identification module 261 can send the identification information of the first external device to a second external device (e.g., transportation equipment information query server 204) via a wireless communication circuit 220 (e.g., cellular communication circuit or Wi-Fi communication circuit) to request travel information from the second external device. In response to the request, the travel information identification module 261 can receive a response message from the second external device via the wireless communication circuit 220 and identify travel information (e.g., departure time, boarding time, or arrival time) from the response message.

[0057] According to an embodiment, the event generation module 263 can generate a travel initiation event (or a first event) based on travel information identified by the travel information recognition module 261.

[0058] For example, the event generation module 263 can identify information in the travel information indicating the planned time for boarding the transport equipment (or the planned time for the transport equipment to leave the departure point), and can generate a travel initiation event based on the identified time information. For example, the event generation module 263 can generate a travel initiation event at the boarding time. For example, the event generation module 263 can generate a travel initiation event at a given time (e.g., a few minutes to tens of minutes) before the boarding time (or departure time).

[0059] As another example, after the travel information recognition module 261 identifies the transportation equipment information (e.g., aircraft name), the event generation module 263 can generate a travel initiation event based on user input to the portable electronic device 201 via the display 210. For example, after identifying the transportation equipment information from the data obtained from the travel information recognition module 261, the event generation module 263 can generate a travel initiation event when user input for activating flight mode is input to the portable electronic device 201 via the display 210.

[0060] According to an embodiment, the portable electronic device 210 can be connected to an external device via a Wi-Fi communication circuit. For example, the event generation module 263 can identify that the external device is a Wi-Fi wireless router located in the transportation equipment based on the identification information of the external device received via the Wi-Fi communication circuit. The portable electronic device 210 can connect to a remote wireless communication network (e.g., a satellite communication network) via the router. The event generation module 263 can generate a trip initiation event based on the identification that the external device wirelessly connected to the portable electronic device 210 is identified as a Wi-Fi wireless router located in the transportation equipment.

[0061] According to an embodiment, the wireless communication circuit 220 may include a satellite communication circuit for supporting communication between the portable electronic device 201 and a satellite communication network. The event generation module 263 may generate a travel initiation event based on the portable electronic device 210's connection to the satellite communication network via the satellite communication circuit.

[0062] According to an embodiment, the event generation module 263 can generate a travel initiation event based on user input (flight mode activation) input to the portable electronic device 201.

[0063] According to an embodiment, the event generation module 263 can generate a travel termination event (or a second event) based on travel information identified by the travel information identification module 261. For example, the event generation module 263 can identify information from the travel information indicating the planned time for disembarking from the transportation equipment (or the planned time for the transportation equipment to arrive at its destination), and can generate a travel termination event based on the identified time information. For example, the event generation module 263 can generate a travel termination event at the disembarkation time (or arrival time). The event generation module 263 can also generate a travel termination event at a given time (e.g., a few minutes to tens of minutes) before the disembarkation time (or arrival time).

[0064] According to an embodiment, the event generation module 263 can generate a trip termination event based on user input for disabling flight mode, which is input to the portable electronic device 201 via the display 210 after the trip initiation event.

[0065] According to an embodiment, the event generation module 263 can generate a trip termination event after a trip initiation event, based on the disconnection from the satellite communication network or the first external device.

[0066] According to an embodiment, the query module 265 can query an external device (e.g., the corresponding card company server in the relay server 203 or the card company server 202) to determine whether the operator of the transportation equipment and the card company that issued the card registered in the portable electronic device 201 are affiliated, based on the occurrence of a travel initiation event.

[0067] For example, query module 265 can obtain the card company identification information (e.g., company name and / or a number indicating the card company in the card number) of the card issued and registered in portable electronic device 201 from memory 288. Query module 265 can send an auxiliary query request message, including the card company identification information and the transportation equipment identification information, to an external device (e.g., a relay server 203 or a corresponding card company server in card company server 202) via wireless communication circuit 220. Query module 265 can receive an auxiliary query response message from the external device via wireless communication circuit 220, including auxiliary information indicating whether an affiliate exists. When multiple cards are queried, the auxiliary query response message can include information indicating whether each card has an affiliate relationship.

[0068] As another example, query module 265 can send a card query request message to an external device (e.g., the corresponding card company server in relay server 203 or card company server 202) requesting identification of whether a card registered in portable electronic device 201 is valid (e.g., a card usable for payment, an over-limit card, or a suspended invalid card). The card query request message may include identification information of the card company and identification information of the registered card (e.g., the card number and / or credit information (e.g., name or date of birth) of the user holding the registered card). Query module 265 can receive card query response messages from the external device via wireless communication circuit 220, including information indicating whether each card is valid. Query module 265 can identify valid cards (or multiple cards) from card query response messages from registered cards. Query module 265 can also send supplementary query request messages, including identification information of the card company issuing the card identified as valid and identification information of the transportation device, to the external device (e.g., the corresponding card company server in relay server 203 or card company server 202) via wireless communication circuit 220. The query module 265 can receive an affiliate query response message, including affiliate information indicating the existence of affiliates, from an external device via the wireless communication circuit 220. When multiple cards are queried, the affiliate query response message can include information about whether each card has an affiliate relationship.

[0069] According to an embodiment, the token management module 267 can set or configure (in other words, determine) the token to be used for payment (hereinafter referred to as the active token) in the first token (or general token) 241 and the second token (or special token) 242 based on the ancillary information identified by the query module 265. The token management module 267 can configure other tokens besides the active token as inactive tokens. For example, the first token may include a so-called EMV token based on standards set by Euro Pay, MasterCard, and Visa. For example, the second token may include a token based on a standard independently established by Samsung Pay, a token based on a standard independently established by Union Pay, a token based on a standard independently established by JCB, or a token based on a standard independently established by Maestro.

[0070] For example, when a card company is identified as having an affiliate relationship with an operating company, based on the affiliate information, the token management module 267 can configure the dedicated token of the corresponding card in the second token 242 as an active token and configure the general token of the corresponding card in the first token 241 as an inactive token.

[0071] As another example, when the card company is identified as not having an affiliation with the operating company, based on the affiliation information, the token management module 267 can configure the general token of the corresponding card in the first token 241 as an active token and configure the special token of the corresponding card in the second token 242 as an inactive token.

[0072] According to an embodiment, the token management module 267 can configure the active tokens in the first token 241 and the second token 242 based on the occurrence of a travel termination event in the event generation module 263. For example, when a travel termination event occurs while a dedicated token is configured as an active token, the token management module 267 can change the card's active token to a general token. As another example, when a travel termination event occurs while a dedicated token is configured as an active token, the token management module 267 can terminate the token's activation.

[0073] According to an embodiment, the token management module 267 can send a token issuance request message to an external device (e.g., the corresponding card company server in the relay server 203 or card company server 202) requesting the issuance of a dedicated token (e.g., a one-time token) based on a travel initiation event generated by the event generation module 263. The token issuance request message may include identification information of the corresponding card (e.g., the card number and / or credit information of the cardholder (e.g., name and date of birth)). The token management module 267 can receive a token issuance response message including the dedicated token from the external device via the wireless communication circuit 220 and store it in the memory 288. The token management module 267 can configure the received dedicated token as an active token.

[0074] According to an embodiment, after the event generation module 263 generates an event initiation event, the sensor management module 269 can identify that the transport equipment is located in a non-ground area where the boundaries between countries are geometrically unclear, based on data received from the sensing circuit 230 (e.g., speed, altitude, longitude, or latitude).

[0075] According to an embodiment, the sensor management module 269 can request the token management module 267 to activate a token based on the identification that the transport equipment is located in a non-ground area. In response to the request, the token management module 267 can configure a token (e.g., a dedicated token received from an external device via a token issuance response message) as an active token.

[0076] Figure 3 This is a flowchart illustrating the operation of determining an activity token to be used in a non-ground area in a portable electronic device 201 according to an embodiment. Figure 4 An example of a user interface (UI) for interacting with the user is shown, which incorporates a determination of an activity token.

[0077] In operation 310, the travel information identification module 261 can identify travel information, including identification information of the transport equipment, from the application data stored in the memory 288. For example, the travel information identification module 261 can identify the identification information of the transport equipment (e.g., cruise name, aircraft name, or aircraft number), information indicating the country of departure of the transport equipment, information indicating the country of arrival of the transport equipment, information indicating the company operating the transport equipment, information indicating the nationality of the operating company, information indicating the planned boarding time for passengers (users) to board the transport equipment, information indicating the planned departure time of the transport equipment from the departure point, information indicating the planned arrival time of the transport equipment at the arrival point, and / or information indicating the planned disembarkation time of passengers from the transport equipment from the destination.

[0078] In operation 315, the travel information recognition module 261 can transmit the recognized travel information to the event generation module 263.

[0079] In operation 320, the event generation module 263 can generate a travel initiation event based on the received travel information. For example, the event generation module 263 can identify the boarding time in the travel information and generate a travel initiation event at the boarding time. As another example, the event generation module 263 can identify the boarding time or departure time in the travel information and generate a travel initiation event at a given time before the boarding time or departure time (e.g., 10 minutes before the boarding time).

[0080] In operation 325, query module 265 can query whether the user activated the token in response to the occurrence of a trip initiation event (in other words, whether the token activation strategy was used in non-ground areas). For example, refer to Figure 4 In response to a travel initiation event, the query module 265 can display the boarding pass 410 on the display 210. Additionally, the query module 265 can display a message 420 indicating whether a payment token has been activated on the transportation equipment (e.g., an aircraft) along with the boarding pass 410. In response to a selection of message 420 (e.g., touch), the query module 265 can display a screen on the display 210 for selecting whether to activate it.

[0081] In operation 330, the query module 265 can receive user input indicating that the user agrees to the activation of the token via the display 210 as a user response to the query.

[0082] In operation 335, based on the user's consent to token activation, the query module 265 can send a card query request message to the external device 301 (e.g., the relay server 203 or the corresponding card company server in the card company server 202) via the wireless communication circuit 220 to request identification of whether the card registered in the portable electronic device 201 is valid. When the relay server 203 receives the message, it can transmit the card query request message to the corresponding card company server.

[0083] In operation 340, the query module 265 can receive a card query response message from the external device 301 via the wireless communication circuit 220, which includes information indicating whether each card is valid.

[0084] In operation 345, the query module 265 can send an auxiliary query request message to the external device 301 via the wireless communication circuit 220. The auxiliary query request message includes the identification information of the card company of the card registered in the portable electronic device 201 and identified as valid via the card query response message, as well as the identification information of the transportation equipment.

[0085] In operation 350, the query module 265 can receive an auxiliary query response message from the external device 301 via the wireless communication circuit 220, which includes auxiliary information such as whether the indicator card company and the transportation equipment operating company are affiliated.

[0086] In operation 355, query module 265 can obtain ancillary information from the ancillary query response message and transmit it to token management module 267.

[0087] In operation 360, the token management module 267 can configure an active token based on the received affiliate information. For example, when an affiliate relationship is identified between the card company and the transportation equipment operating company from the affiliate information, the token management module 267 can configure the second token as the active token among the first token (general token) and the second token (dedicated token) of the corresponding card company, and configure the first token as an inactive token. As another example, when the card company and the transportation equipment operating company are identified as not being in the affiliate information, the token management module 267 can configure the first token as the active token among the first token (general token) and the second token (dedicated token) of the corresponding card company, and configure the second token as an inactive token.

[0088] After the activity token configuration based on the ancillary information is completed, in operation 365, the token management module 267 can recognize that a trip termination event was generated from the event generation module 263.

[0089] In operation 370, the token management module 267 can terminate token activation based on the occurrence of a travel termination event (in other words, terminate the use of the token activation strategy in non-terrestrial areas). For example, when a second token is configured as the active token, the token management module 267 can change the active token back to the first token, enabling payments abroad. Furthermore, the token management module 267 can notify the user of the termination of token activation via display 210.

[0090] According to an embodiment, the token activation policy can be pre-configured for use in non-ground areas. In this case, when the token activation policy is used by default, based on the occurrence of the travel initiation event, query module 265 can omit operations 325 and 330 and continue with operation 335.

[0091] According to the embodiment, operations 335 and 340 can be omitted. For example, the query module 265 can transmit an association query request message, including the card company identification information of the card registered in the portable electronic device 201 and the identification information of the transportation equipment, to the external device 301 via the wireless communication circuit 220, based on the user's consent to activate the token (or based on the occurrence of a travel initiation event).

[0092] According to an embodiment, operation 335 can be executed in parallel with operation 345 or after operation 350. For example, the token management module 267 can request the external device 301 to perform a card query and ancillary queries, and can receive a response to the request from the external device 301. When the card query response identifies that the corresponding card is an over-limit valid card or a suspended card, the token management module 267 can notify the user of this fact and terminate token activation via display 210. As another example, the token management module 267 can request the external device 301 to perform a card query for the corresponding card after receiving an ancillary query response message, and can receive its response from the external device 301. When the token management module 267 identifies that the corresponding card is an over-limit valid card or a suspended card from the response, the token management module 267 can notify the user of this fact and terminate token activation via display 210.

[0093] Figure 5 This is a flowchart illustrating the operation of determining an activity token to be used in a non-ground area in a portable electronic device 201 according to an embodiment. Figure 6 An example of a user interface (UI) for user interaction, which incorporates a determined activity token, is shown. (A brief description or omission of related information is provided.) Figure 3 The description is a repetitive description.

[0094] In operation 510, the travel information identification module 261 can identify travel information, including identification information of the transport equipment, from network data received from an external device via the wireless communication circuit 220. For example, the travel information identification module 261 can identify identification information of the transport equipment (e.g., aircraft name or aircraft number) from data received from an external device (e.g., a Wi-Fi router) via the Wi-Fi communication circuit of the wireless communication circuit 220.

[0095] In operation 515, the travel information identification module 261 can identify additional travel information through the transport equipment information query server 204 based on the identification information of the transport equipment identified from network data. For example, the travel information identification module 261 can send a query request message including the identification information of the transport equipment to the transport equipment information query server 204 via the wireless communication circuit 220. The travel information identification module 261 can receive a query response message from the transport equipment information query server 204 via the wireless communication circuit 220. This query response message includes the planned departure time of the transport equipment from the departure point (and / or the planned boarding time of the passenger on the transport equipment) and / or the planned arrival time of the transport equipment at the destination.

[0096] In operation 520, the travel information recognition module 261 can transmit the recognized travel information to the event generation module 263.

[0097] In operation 525, event generation module 263 can generate a travel initiation event based on the received travel information. For example, event generation module 263 can identify the boarding time from the travel information and generate a travel initiation event at the boarding time. As another example, event generation module 263 can identify the boarding time or departure time from the travel information and generate a travel initiation event at a given time before the boarding time or departure time (e.g., 10 minutes before boarding time). As another example, in response to the identification information of the transportation equipment identified from the travel information and user input for activating flight mode input to portable electronic device 201 via display 210, event generation module 263 can generate a travel initiation event. According to this example, operation 515 can be omitted.

[0098] In operation 530, in response to the occurrence of a trip initiation event, query module 265 can query whether the user has activated the token. For example, refer to... Figure 6 In response to a travel initiation event, the query module 265 can display the boarding pass 610 on the display 210. Alternatively, for example, the query module 265 can display a message 620 indicating whether a payment token has been activated in the transportation equipment (e.g., an aircraft) along with the boarding pass 610. In response to a selection of message 620 (e.g., touch), the query module 265 can display a screen on the display 210 for selecting whether to activate message 620.

[0099] In operation 535, the query module 265 can receive user input indicating consent token activation as a user response to the query via the display 210.

[0100] In operation 540, when the user agrees to token activation, the query module 265 can send a card query request message to the external device 301 (e.g., the corresponding card company server in the relay server 203 or card company server 202) via the wireless communication circuit 220. This card query request message requests verification of the validity of the card registered in the portable electronic device 201. When the relay server 203 receives the message, it can forward the card query request message to the corresponding card company server.

[0101] In operation 545, the query module 265 can receive a card query response message from the external device 301 via the wireless communication circuit 220, which includes information indicating whether each card is valid.

[0102] In operation 550, the query module 265 can send an auxiliary query request message to the external device 301 via the wireless communication circuit 220. The auxiliary query request message includes the identification information of the card company of the card registered in the portable electronic device 201 and identified as valid via the card query response message, as well as the identification information of the transportation equipment.

[0103] In operation 555, the query module 265 can receive an auxiliary query response message from the external device 301 via the wireless communication circuit 220, which includes auxiliary information such as whether the indicator card company and the transportation equipment operating company are affiliated.

[0104] In operation 560, query module 265 can obtain auxiliary information from the auxiliary query response message and send it to token management module 267.

[0105] In operation 565, the token management module 267 can configure the active token based on the received supplementary information.

[0106] After the activity token configuration based on the ancillary information is completed, the token management module 267 can identify in operation 570 that a trip termination event was generated by the event generation module 263.

[0107] In operation 575, the token management module 267 can terminate token activation based on the occurrence of a travel termination event. For example, when a second token (dedicated token) is configured as the active token, the token management module 267 can change the active token to the first token (universal token) to enable payments abroad. Additionally, the token management module 267 can notify the user of the termination of token activation via display 210.

[0108] According to an embodiment, the token activation policy can be pre-configured for use in non-ground areas. When the token activation policy is used at the default value, based on the occurrence of the travel initiation event, query module 265 can omit operations 530 and 535 and continue with operation 540.

[0109] According to the embodiment, operations 540 and 545 can be omitted. For example, query module 265 can send an additional query request message, including the card company identification information and the transportation equipment identification information of the card registered in portable electronic device 201, to external device 301 via wireless communication circuit 220, based on user consent token activation (or based on the occurrence of a travel initiation event).

[0110] According to an embodiment, operation 540 can be executed in parallel with operation 550 or after operation 555. For example, the token management module 267 can request the external device 301 to perform a card query and an auxiliary query, and receive a response from the external device 301. When the token management module 267 identifies from the card query response that the corresponding card is an over-limit valid card or a suspended card, the token management module 267 can notify the user of this fact and terminate token activation via display 210. As another example, the token management module 267 can request the external device 301 to perform a card query for the corresponding card after receiving an auxiliary query response message, and can receive its response from the external device 301. When the token management module 267 identifies that the corresponding card is an over-limit valid card or a suspended card, the token management module 267 can notify the user of this fact and terminate token activation via display 210.

[0111] Figure 7 This is a flowchart illustrating the operation of determining an activity token to be used in a non-ground area in a portable electronic device 201 according to an embodiment. Figure 8 An example of a user interface (UI) for user interaction combined with token issuance is shown. (A brief description or omission of related information is provided.) Figure 3 and Figure 5 The description is a repetitive description.

[0112] In operation 710, the event generation module 263 can generate a travel initiation event based on the time identified from the travel information (e.g., boarding time or departure time).

[0113] In operation 715, the token management module 267 can recognize the occurrence of a trip initiation event.

[0114] In operation 720, the token management module 267 can query whether a user has issued a token for payments in non-terrestrial areas. For example, refer to... Figure 8 In response to a travel initiation event, the token management module 267 can display the boarding pass 810 on the display 210. Furthermore, the token management module 267 can display, along with the boarding pass 810, a message 820 querying whether a token for payment should be issued in the transportation equipment (e.g., an aircraft). The token management module 267 can also display a screen on the display 210 for selecting whether to issue a token in response to a selection (touch) of message 820.

[0115] In operation 725, the query module 265 can receive user input indicating consent to the issuance of a token via the display 210 as a user response to the query.

[0116] In operation 730, based on the user's consent to issue a token, the token management module 267 can send a token issuance request message to the external device 301 (e.g., the corresponding card company server in the relay server 203 or card company server 202) requesting the issuance of a token (e.g., a one-time token). The token issuance request message may include the identification information of the corresponding card (e.g., the card number and / or credit information (e.g., name or date of birth) of the user who owns the corresponding card).

[0117] In operation 735, the token management module 267 can receive a token issuance response message, including the issued token, from the external device 301 via the wireless communication circuit 220.

[0118] In operation 740, the token management module 267 can obtain the token from the token issuance response message and store it in the memory 288.

[0119] In operation 745, the token management module 267 can identify that the transport equipment is located in a non-ground area through the sensor management module 269.

[0120] In operation 750, the token management module 267 can configure the issued token as an active token based on the identification that the transport equipment is located in a non-ground area.

[0121] According to an embodiment, the token activation policy can be pre-configured for use in non-ground areas. When the token activation policy is used at the default value, as described above, the token management module 267 can omit operations 720 and 725 and continue with operation 730 based on the occurrence of a travel initiation event.

[0122] Figure 9 This is a flowchart illustrating the operation of determining an activity token to be used in a non-ground area in a portable electronic device 201 according to an embodiment. Brief descriptions or omissions will be included. Figure 7 The description is a repetitive description.

[0123] In operation 910, the event generation module 263 can generate a travel initiation event based on user input input to the portable electronic device 201 for activating flight mode. According to an embodiment, the event generation module 263 can further generate the travel initiation event based on identifying the transportation equipment's identification information (e.g., aircraft name or aircraft number) from network data received from an external device via wireless communication circuitry 220.

[0124] In operation 915, the token management module 267 can recognize the occurrence of a trip initiation event.

[0125] In operation 920, the token management module 267 can query whether a user has issued a token for payment in non-terrestrial areas.

[0126] In operation 925, the query module 265 can receive user input indicating the issuance of a consent token as a user response to the query via the display 210.

[0127] In operation 930, the token management module 267 may send a token issuance request message to an external device 301 (e.g., the corresponding card company server in the relay server 203 or card company server 202) requesting the issuance of a token (e.g., a one-time token) based on the user's consent to issue a token. The token issuance request message may include the identification information of the corresponding card (e.g., the card number and / or credit information (e.g., name or date of birth) of the user who owns the corresponding card).

[0128] In operation 935, the token management module 267 can receive a token issuance response message, including the issued token, from an external device via the wireless communication circuit 220.

[0129] In operation 940, the token management module 267 can obtain a token from the token issuance response message and store the token in the memory 288. Furthermore, the token management module 267 can configure the portable electronic device 201 to be in flight mode, thereby disabling remote wireless communication (e.g., cellular communication) in the portable electronic device 201.

[0130] In operation 945, the token management module 267 can identify that the transport equipment is located in a non-ground area through the sensor management module 269.

[0131] In operation 950, the token management module 267 can configure the issued token as an active token based on the identification that the transport equipment is located in a non-ground area.

[0132] According to an embodiment, a token activation policy can be pre-configured for use in non-ground areas. In this case, when the token activation policy is set to the default value, the token management module 267 can omit operations 920 and 925 and proceed to operation 930 based on the occurrence of a travel initiation event.

[0133] Figure 10 This is a flowchart illustrating the operation performed in a portable electronic device 201 according to an embodiment to configure an activity token and use it for payment. Instructions stored in memory 288 (e.g., Figure 2 When modules 261, 263, 265, 267, and 269 are executed by processor 299, Figure 10 The operation can be performed by the portable electronic device 201.

[0134] In operation 1010, the portable electronic device 201 can identify travel information, including identification information (e.g., aircraft name or aircraft number) of transport equipment moving between countries in non-ground areas, from data received from an external device via wireless communication circuit 220 (e.g., the aforementioned application data and / or network data) or from data stored in memory 288 (e.g., travel-related user input for the portable electronic device 201). Here, the external device can be another electronic device (e.g., a server, smartphone, tablet, or laptop) exchanging messages with the portable electronic device 201. Alternatively, for example, the external device can be a Wi-Fi wireless router identified via Wi-Fi communication circuitry.

[0135] In operation 1020, based on the travel information identified from the data, the portable electronic device 201 can send an additional query request message, including the identification information of the card company that issued the card registered in the portable electronic device 201 and the identification information of the transportation equipment, to a first external device (e.g., a relay server 203 or a corresponding card company server in card company server 202) via wireless communication circuit 220.

[0136] According to an embodiment, the portable electronic device 201 can send an auxiliary query request message to a first external device based on time information indicating boarding time or departure time identified from travel information. For example, the portable electronic device 201 can send the auxiliary query request message at boarding time. As another example, the portable electronic device 201 can send the auxiliary query request message at a given time before boarding time (or departure time), such as 10 minutes before boarding time.

[0137] According to an embodiment, the portable electronic device 201 may further send an auxiliary query request message to a first external device based on user input input to the portable electronic device 201 for activating flight mode.

[0138] According to an embodiment, the portable electronic device 201 can query whether a user has activated a token based on travel information identified from data. In response to the query, the portable electronic device 201 can send an associated query request message to a first external device if the user agrees to activate the token.

[0139] According to an embodiment, the portable electronic device 201 can send a card query request message to a first external device to request identification of whether a card registered in the portable electronic device 201 is valid. The portable electronic device 201 can receive a card query response message from the first external device. When the card is identified as valid from the card query response message, the portable electronic device 201 can send a supplementary query request message to the first external device.

[0140] According to an embodiment, the portable electronic device 201 can send a token issuance request message to a first external device, requesting the issuance of a second token (a dedicated token), based on travel information identified from data. The portable electronic device 201 can receive a token issuance response message including the second token (e.g., a one-time token) from the first external device and store the second token in memory 288.

[0141] In operation 1030, in response to the sending of ancillary query request messages, portable electronic device 201 can receive, via wireless communication circuit 220, ancillary query response messages including ancillary information indicating whether the operating company of the transportation equipment and the card company are in an affiliated relationship from a first external device (e.g., relay server 203) or a second external device other than the first external device (e.g., the corresponding card company server).

[0142] In operation 1040, based on the identification of an affiliate relationship between the operating company and the card company from the affiliate information, the portable electronic device 201 can configure the second token as the active token for payment among the first token (general token) and the second token (dedicated token). According to an embodiment, when the identification of an affiliate relationship between the operating company and the card company is that they are not affiliates, the portable electronic device 201 can configure the first token as the active token and deactivate the second token.

[0143] According to an embodiment, portable electronic device 201 can identify that it is located in a non-ground area by receiving data from sensing circuit 230. Portable electronic device 201 can further configure a second token as an active token based on the identification that it is in a non-ground area.

[0144] In operation 1050, the portable electronic device 201 may send a second token configured as an active token to a third external device (e.g., a POS terminal) via wireless communication circuit 220 (e.g., a near field communication (NFC) communication circuit) based on user input entered into the portable electronic device 201 for requesting payment.

[0145] Figure 11a , 11b Figures 11c and 11d illustrate examples of user interfaces (UIs) for user interaction that incorporate the use of tokens in non-ground areas. The operations described below can be performed by the portable electronic device 201 when instructions stored in memory 288 are executed by processor 299.

[0146] In an embodiment, the portable electronic device 201 can perform the operation of displaying a list of cards registered in the portable electronic device 201 on the display 210. For example, refer to Figure 11aThe portable electronic device 201 can display a card list 1110 on the display 210, which includes card images corresponding to the registered cards.

[0147] According to an embodiment, the portable electronic device 201 can display a card image on the display 210 corresponding to a card selected by the user in the registered cards. For example, the portable electronic device 201 can display information associated with the validity of the corresponding card along with the card image. For example, refer to... Figure 11b The portable electronic device 201 can display information 1120 indicating that the card has exceeded its limit, obtained from an external device (e.g., external device 301) as a card query result, along with a corresponding card image 1130. As another example, see reference... Figure 11c The portable electronic device 201 can display information 1140 indicating that the card is suspended, obtained from an external device (e.g., external device 301) as a card query result, and a corresponding card image 1150.

[0148] According to an embodiment, the portable electronic device 201 can display a list of registered cards that can be used for payment on the display 210. According to an embodiment, the portable electronic device 201 can display a list of cards corresponding to an activity token on the display 210 based on ancillary information. For example, refer to... Figure 11b and Figure 11c The portable electronic device 201 can display a menu 1160 for showing a list of cards available for payment and card images 1130 or 1140 corresponding to unavailable cards. (Reference) Figure 11d When the user selects (e.g., touches) menu 1060, the portable electronic device 201 can display a list 1170 of cards available for payment. For example, the portable electronic device 201 can display information 1180 indicating that the corresponding card in the card list 1170 can be used for payment in non-ground areas. The portable electronic device 201 can display images 1171 of cards corresponding to dedicated tokens and images 1172 of cards corresponding to universal tokens in the card list 1170. Additionally, the portable electronic device 201 can display benefits when using a dedicated token for payment, such as a "no transaction fee" message, along with the corresponding card image 1171. The token corresponding to the card selected by the user in the card list 1170 is sent to an external device via wireless communication circuit 220, allowing the portable electronic device 201 to complete the payment using the selected card.

[0149] According to an embodiment, when the portable electronic device 201 is identified as being located in a non-ground area, the portable electronic device 201 can activate an issued token (e.g., a one-time token). The portable electronic device 201 can then display a list of cards corresponding to the activated token on a display 210.

[0150] According to an embodiment, when no card is available for payment in non-ground areas among the registered cards, the portable electronic device 201 can notify the user that no card is available. For example, when the user selects (e.g., touches) menu 1060 (see reference...) Figure 11b and Figure 11c When a card is not available in a non-ground area, the portable electronic device 201 may display a message (e.g., a pop-up window) indicating that no card is available in the non-ground area. Cards that are not available in the non-ground area may include, for example, cards that do not support universal tokens and belong to card companies that are not affiliated with the operating company of the transportation equipment.

[0151] According to an embodiment, when it is identified that no card among the registered cards is available for payment in non-terrestrial areas, the portable electronic device 201 can send a message to the card company server requesting recommendations for cards available in non-terrestrial areas. The portable electronic device 201 can receive a response message from the card company server including a list of recommended cards. The portable electronic device 201 can obtain the list of recommended cards from the response message and display it on the display 210. For example, when the user selects (e.g., touches) menu 1060 (see reference...) Figure 11b and Figure 11c When in use, the portable electronic device 201 can display a list of recommended cards.

[0152] Figure 12 This is a flowchart illustrating the operation performed in a portable electronic device 201 according to an embodiment to configure an activity token and use it for payment. Instructions stored in memory 288 (e.g., Figure 2 When modules 261, 263, 265, 267, and 269 are executed by processor 299, Figure 12 The operation can be performed by the portable electronic device 201.

[0153] In operation 1210, the portable electronic device 201 can identify travel information, including identification information (e.g., aircraft name or aircraft number) of transport equipment moving between countries through non-ground areas, based on data received from an external device via wireless communication circuit 220 (e.g., the aforementioned application data and / or network data) or data stored in memory 288 (e.g., travel-related user input for the portable electronic device 201). Here, the external device can be another electronic device (e.g., a server, smartphone, tablet, or laptop) exchanging messages with the portable electronic device 201. Alternatively, for example, the external device can be a Wi-Fi wireless router identified via Wi-Fi communication circuitry.

[0154] In operation 1220, the portable electronic device 201 may, based on travel information identified from data, send a message via wireless communication circuit 220 to a first external device (e.g., a relay server 203 or a corresponding card company server in card company server 202) requesting the issuance of a token (e.g., a one-time dedicated token). The token issuance request message may include identification information of the corresponding card (e.g., the card number and / or credit information of the cardholder (e.g., name or date of birth)).

[0155] In operation 1230, the portable electronic device 201 can receive a token issuance response message, including the issued token, from a first external device (e.g., relay server 203) or from a second external device different from the first external device (e.g., a corresponding card company server) via wireless communication circuit 220.

[0156] In operation 1240, portable electronic device 201 can configure the received token as an active token based on the fact that the transport equipment is located in a non-ground area.

[0157] In operation 1250, portable electronic device 201 can send an active token to a third external device (e.g., a POS terminal) via wireless communication circuit 220 (e.g., near field communication (NFC) communication circuit) based on user input entered into portable electronic device 201 for requesting payment.

[0158] Figure 13 This is a flowchart illustrating the operation performed in a portable electronic device 201 according to an embodiment to configure an activity token and use it for payment. Instructions stored in memory 288 (e.g., Figure 2 When modules 261, 263, 265, 267, and 269 are executed by processor 299, Figure 10 The operation can be performed by the portable electronic device 201.

[0159] In operation 1310, the portable electronic device 201 can obtain the user's travel information. For example, the portable electronic device 201 can obtain travel information from data received from an external device via wireless communication circuit 220 or stored in memory 288. The portable electronic device 201 can obtain identification information of the transportation equipment (e.g., aircraft name or aircraft number) from the obtained travel information.

[0160] In operation 1320, the portable electronic device 201 can send a first message (e.g., an ancillary query request message) via wireless communication circuit 220 to a server (e.g., a relay server 203 or a corresponding card company server) based on travel information. This message includes identification information of the card company that issued the card registered in the portable electronic device 201 and information included in the travel information (e.g., identification information of the transportation equipment). The identification information and travel information can be sent to the server via different messages. For example, the portable electronic device 201 can send one of the first two and, in response to a reply from the server, send the other.

[0161] In operation 1330, the portable electronic device 201 can receive a second message (e.g., an auxiliary query response message) related to the transmission of the first message via the wireless communication circuit 220.

[0162] In operation 1340, portable electronic device 201 can obtain a token for card payment when the user is on the transportation device based on a second message. According to an embodiment, portable electronic device 201 can change the usage period of a token (e.g., a second token) previously stored in memory 288, so that the token can be used during the period the user is on the transportation device. For example, portable electronic device 201 can send a message requesting an extension of the token's usage period to a server (e.g., a corresponding card company server) via wireless communication circuit 220. In response to this request, portable electronic device 201 can receive an approval message for the request or a newly issued token with an extended usage period via wireless communication circuit 220. According to an embodiment, portable electronic device 201 can send a message to a server via wireless communication circuit 220 requesting a token (e.g., a one-time token) available when the user is on the transportation device. In response to this request, portable electronic device 201 can receive a message including the token via wireless communication circuit 220. According to an embodiment, the portable electronic device 201 can configure a second token, one of a first token and a second token stored in memory 288, as a token for card payments when a user is on the transportation device, based on the identification that the operating company of the transportation device and the card company are affiliated. According to an embodiment, information indicating whether the operating company of the transportation device and the card company are affiliated (e.g., a table indicating whether each card company has an affiliation with the operating company) can be stored in the portable electronic device 201. Therefore, the portable electronic device 201 can determine whether an affiliation exists based on the information stored in the portable electronic device 201 rather than based on the second message.

[0163] According to an embodiment, portable electronic device 201 can determine whether a user is on a transport vehicle moving between countries based on at least one of travel information and information associated with the location of portable electronic device 201 identified via wireless communication circuit 220. For example, portable electronic device 201 can identify from travel information the user's planned boarding time (or the aircraft's departure time) and the planned arrival time of the aircraft at its destination as indicated on the boarding pass. Portable electronic device 201 can determine that the user is on a transport vehicle based on the identified time-related information. As another example, portable electronic device 201 can identify the identification information of the transport vehicle from wireless communication circuit 220 (e.g., a Wi-Fi communication circuit). Portable electronic device 201 can determine that the user is on a transport vehicle based on the identification that the transport vehicle is an aircraft moving between countries. As another example, portable electronic device 201 can identify the geographical location of portable electronic device 201 based on signals from satellites via wireless communication circuit 220 (e.g., a Global Positioning System (GPS) communication circuit or a Global Navigation Satellite System (GNSS) communication circuit). Portable electronic device 201 can determine that the user is on a transport vehicle based on the identified location (e.g., high seas).

[0164] According to an embodiment, the portable electronic device 201 can deactivate the token obtained in operation 1340 based on information associated with the user's arrival at the destination (e.g., arrival time or drop-off time identified from travel information).

[0165] According to an embodiment, the portable electronic device 201 may include a touch-sensitive display 210, a wireless communication circuit 220, a processor 299 connected to the display and the wireless communication circuit, and a memory 288 storing instructions executable by the processor. When executed by the processor, the instructions may cause the portable electronic device to: identify travel information, including identification information of a transport device moving between countries via non-ground areas, based on data received from an external device via the wireless communication circuit or based on data stored in the memory; based on the travel information identified from the data, send an auxiliary query request message via the wireless communication circuit to a first external device, the auxiliary query request message including identification information of a card company issuing a card registered in the portable electronic device and identification information of the transport device; in response to the transmission of the card company's identification information and the transport device's identification information, receive via the wireless communication circuit an associated query response message including auxiliary information indicating whether the transport device's operating company and the card company are affiliated; and based on the identification of the operating company and the card company being affiliated from the auxiliary information, configure a second token as an active token for payment, between a first token and a second token.

[0166] When executed by the processor, the instruction enables the portable electronic device to receive user input for requesting payment from the display, and based on the received user input, a second token configured as an active token is sent to a third external device via a wireless communication circuit. The first token may include a universal token corresponding to a card and conforming to global standards. The second token may include a proprietary token corresponding to a card and conforming to standards independently established by a specific country.

[0167] When executed by the processor, the instruction can enable the portable electronic device to further configure the second token as an active token based on the identification that the transport equipment is located in a non-ground area.

[0168] When executed by the processor, the instructions can enable the portable electronic device to configure the first token as the active token based on the identification from the affiliate information that the operating company and the card company are not affiliated.

[0169] When the processor executes the instructions, the instructions enable the portable electronic device to identify first-time information related to boarding time or departure time from travel information, and transmit an auxiliary query request message to a first external device based on the first-time information.

[0170] When the processor executes the instruction, the instruction enables the portable electronic device to identify second time information related to the alighting time or arrival time from the travel information, and to change the activity token to the first token based on the second time information.

[0171] Wireless communication circuits may include Wi-Fi communication circuits. When executed by a processor, instructions can cause a portable electronic device to identify the identification information of the transport equipment from data received from an external device via the Wi-Fi communication circuit.

[0172] When executed by the processor, the instructions can cause the portable electronic device to: send a card query request message to a first external device, the card query request message requesting a query on whether a card registered in the portable electronic device can be used for payment; receive a card query response message from the first external device or a second external device, the card query response message including card information indicating whether the registered card can be used for payment; and display an image indicating the card along with the card information.

[0173] When executed by the processor, the instructions can cause the portable electronic device to: based on travel information identified from the received data, send a token issuance request message to a first external device via a wireless communication circuit requesting the issuance of a second token; receive a token issuance response message including the second token from the first or second external device; and store the second token in the memory.

[0174] The second token received from the first external device can be a one-time token.

[0175] The portable electronic device may also include sensing circuitry. When executed by the processor, the instructions may enable the portable electronic device to further identify, based on data obtained from the sensing circuitry, that the portable electronic device is located in a non-ground area, and configure the second token as an active token.

[0176] According to an embodiment, the method of operating the portable electronic device 201 may include: identifying travel information, including identification information of a transport device moving between countries via a non-ground area, based on data received from an external device via a wireless communication circuit of the portable electronic device or based on data stored in the memory of the portable electronic device; sending an auxiliary query request message via a wireless communication circuit to a first external device based on the travel information identified from the data, the auxiliary query request message including identification information of a card company issuing a card registered in the portable electronic device and identification information of the transport device; receiving, via a wireless communication circuit, an auxiliary query response message, including auxiliary information indicating whether the operating company of the transport device and the card company are affiliated, from the first external device or a second external device other than the first external device in response to the transmission of the card company's identification information and the transport device's identification information; and configuring a second token as an active token for payment, based on the identification from the auxiliary information that the operating company and the card company are affiliated, between a first token and a second token.

[0177] According to an embodiment, the portable electronic device 201 may include a touch-sensitive display 210, a wireless communication circuit 220, a processor 299, and a memory 288 storing instructions. When executed by the processor, the instructions may cause the portable electronic device to: obtain travel information of the user of the portable electronic device; based on the travel information, send a first message to a server via the wireless communication circuit, the first message including identification information of the card company issuing the card registered in the portable electronic device and information included in the travel information; receive a second message related to the first message via the wireless communication circuit; and, when the user is on a transport device moving between countries, obtain a token to be used for card payment based on the second message. When executed by the processor, the instructions may cause the portable electronic device to determine whether the user is on a transport device moving between countries based on at least one of the travel information and information related to the location of the portable electronic device identified via the wireless communication circuit. For example, the instructions may cause the portable electronic device to identify from the travel information the user's planned boarding time (or the aircraft's departure time) and the aircraft's planned arrival time at the destination as indicated on the boarding pass. The instructions may cause the portable electronic device to determine that the user is on a transport device based on the identified time-related information. As another example, the instruction could enable a portable electronic device to identify the identification information of a transport vehicle from a wireless communication circuit (e.g., a Wi-Fi communication circuit). The instruction could also enable the portable electronic device to determine if a user is on the transport vehicle based on the identification that the transport vehicle is an aircraft moving between countries. As yet another example, the instruction could enable the portable electronic device to identify its geographical location based on signals from satellites via wireless communication circuits (e.g., Global Positioning System (GPS) communication circuits or Global Navigation Satellite System (GNSS) communication circuits). The instruction could then enable the portable electronic device to determine if a user is on the transport vehicle based on the identified location (e.g., on the high seas).

[0178] When executed by the processor, the instructions enable the portable electronic device to: obtain travel information from data stored in memory or data received from an external device via a wireless communication circuit, and identify identification information of the transport equipment; send the identified identification information of the transport equipment to a server via a first message (e.g., an affiliate query request message); identify affiliate information from a second message indicating whether the transport equipment's operating company and card company are affiliated; and, based on the identification of the affiliate information that the operating company and card company are affiliated, configure the second token as an active token for card payment, between the first and second tokens.

[0179] When executed by the processor, the instructions cause the portable electronic device to receive user input for requesting payment from the display, and based on the received user input, to send a second token to an external device via a wireless communication circuit. The first token may include a universal token corresponding to a card and conforming to global standards. The second token may include a proprietary token corresponding to a card and conforming to standards independently established by a specific country.

[0180] When executed by the processor, the instruction can enable the portable electronic device to further configure the second token as an active token based on the identification that the transport equipment is located in a non-ground area.

[0181] When executed by the processor, the instructions can cause the portable electronic device to configure the first token as the active token based on the identification from the affiliate information that the operating company and the card company are not affiliated.

[0182] When the processor executes the instructions, the portable electronic device can identify first time information related to boarding time or departure time in the travel information, send a first message to the server based on the first time information, identify second time information related to alighting time or arrival time in the travel information, and change the activity token to the first token based on the second time information.

[0183] The portable electronic device may also include sensing circuitry. Instructions, when executed by the processor, can cause the portable electronic device to identify that it is located in a non-ground area based on data obtained from the sensing circuitry, and configure the second token as an active token.

[0184] When the processor executes instructions, the instructions can cause a portable electronic device to obtain a token for card payment by changing the period during which the token stored in its memory is activated.

[0185] When executed by the processor, the instruction can cause the portable electronic device to deactivate the acquired token based on information related to the user's arrival at their destination.

[0186] The wireless communication circuit may include a Wi-Fi communication circuit. When the processor executes instructions, the instructions may cause the portable electronic device to identify the identification information of the transport equipment from data received from an external device via the Wi-Fi communication circuit, and send it to the server by including the identified identification information of the transport equipment in a first message.

[0187] When executed by the processor, the instruction enables the portable electronic device to receive a token for card payment via wireless communication circuitry. The received token may be a one-time token.

[0188] According to an embodiment, a method for operating a portable electronic device 201 may include: obtaining travel information of a user of the portable electronic device; sending a first message to a server via a wireless communication circuit of the portable electronic device based on the travel information, the first message including identification information of a card company that issued a card registered in the portable electronic device and information included in the travel information; receiving a second message related to the first message via the wireless communication circuit; determining whether the user is traveling on a transport device moving between countries based on at least one of the travel information and information related to the location of the portable electronic device identified via the wireless communication circuit; and obtaining a token for card payment based on the second message when the user is on the transport device.

[0189] Travel information can be received from an external device via a wireless communication circuit or obtained from data stored in a portable electronic device. The method may further include: identifying identification information of a transport device from the travel information; including the identified identification information of the transport device in a first message (e.g., an affiliate query request message); identifying affiliate information from a second message indicating whether the transport device's operating company and card company are affiliates; and configuring a second token of a first token and a second token as an active token for card payments based on the identification of an affiliate relationship between the operating company and card company from the affiliate information.

[0190] The method may also include transmitting a second token to an external device via a wireless communication circuit based on user input entered into the portable electronic device for requesting payment. The first token may include a universal token corresponding to a card and conforming to global standards. The second token may include a proprietary token corresponding to a card and conforming to standards independently established by a specific country.

[0191] The operation of configuring the second token as the active token can also be based on the identification that the transport equipment is located in a non-ground area.

[0192] The operation of sending the first message may include identifying first time information related to boarding time or departure time from travel information, and sending the first message to the server based on the first time information. The method may also include identifying second time information related to alighting time or arrival time from travel information, and changing the activity token to the first token based on the second time information.

[0193] The various embodiments disclosed in this document can be combined in part. For example, when there are over-limited cards and suspended cards, the corresponding information 1120 and 1140 can be displayed together.

[0194] In the above description, prefixes such as “first,” “second,” and “third” are used only to distinguish components with the same name, and no specific meaning such as importance or order is assigned to the prefixes themselves.

[0195] The electronic device according to various embodiments can be one of a variety of types of electronic devices. Electronic devices may include, for example, portable communication devices (e.g., smartphones), computer devices, portable multimedia devices, portable medical devices, cameras, wearable devices, or home appliances. According to embodiments of this disclosure, the electronic device is not limited to those described above.

[0196] It should be understood that the various embodiments of this disclosure and the terminology used therein are not intended to limit the technical features set forth herein to the specific embodiments, but rather to include various changes, equivalents, or substitutions to the respective embodiments. In the description of the drawings, similar reference numerals may be used to refer to similar or related elements. It will be understood that nouns in the singular form corresponding to terms may include one or more things unless the relevant context clearly indicates otherwise. As used herein, each of the phrases such as “A or B,” “at least one of A and B,” “at least one of A or B,” “A, B, or C,” “at least one of A, B, and C,” and “at least one of A, B, or C” may include any one or all possible combinations of the items enumerated together with the corresponding phrase among the plurality of phrases. As used herein, terms such as “first” and “second” or “first” and “second” may be used to simply distinguish one component from another and do not limit the components in other respects (e.g., importance or order). It will be understood that, whether or not the terms “operably” or “communically” are used, if an element (e.g., a first element) is referred to as “combined with another element (e.g., a second element),” “combined to another element (e.g., a second element),” “connected to another element (e.g., a second element),” or “attached to another element (e.g., a second element)”, it means that the first element can be directly (e.g., wiredly) connected to the second element, wirelessly connected to the second element, or connected to the second element via a third element.

[0197] As used in connection with various embodiments of this disclosure, the term "module" may include a unit implemented in hardware, software, or firmware, and may be used interchangeably with other terms such as "logic," "logic block," "part," or "circuit." A module may be a single integrated component adapted to perform one or more functions, or the smallest unit or part of such a single integrated component. For example, according to embodiments, a module may be implemented in the form of an application-specific integrated circuit (ASIC).

[0198] The various embodiments set forth herein can be implemented as software (e.g., program 140) containing one or more instructions readable by a machine (e.g., electronic device 101) stored in a storage medium (e.g., internal memory 136 or external memory 138). For example, under the control of a processor, the processor (e.g., processor 120) of the machine (e.g., electronic device 101) can invoke and execute at least one of the one or more instructions stored in the storage medium, with or without one or more other components. This enables the machine to operate to perform at least one function according to the invoked at least one instruction. The one or more instructions may include code generated by a compiler or code executable by an interpreter. Machine-readable storage media can be provided in the form of non-transitory storage media. The term "non-transitory" simply means that the storage medium is a tangible device and does not include signals (e.g., electromagnetic waves), but this term does not distinguish between data being stored semi-permanently in the storage medium and data being temporarily stored in the storage medium.

[0199] According to embodiments, methods according to various embodiments of this disclosure may be included and provided in a computer program product. The computer program product may be traded as a product between a seller and a buyer. The computer program product may be distributed in the form of a machine-readable storage medium (e.g., a compact disk read-only memory (CD-ROM)), or may be distributed online (e.g., downloaded or uploaded) via an app store (e.g., the Play Store™), or may be distributed directly between two user devices (e.g., smartphones) (e.g., downloaded or uploaded). If distributed online, at least a portion of the computer program product may be temporarily generated, or at least a portion of the computer program product may be stored at least temporarily in a machine-readable storage medium (such as the memory of a manufacturer's server, an app store's server, or a forwarding server).

[0200] According to various embodiments, each of the above-described components (e.g., a module or program) may include a single entity or multiple entities, and some of the multiple entities may be separately disposed in different components. According to various embodiments, one or more of the above-described components may be omitted, or one or more other components may be added. Optionally or additionally, multiple components (e.g., modules or programs) may be integrated into a single component. In this case, according to various embodiments, the integrated component may perform the one or more functions of each of the multiple components in the same or similar manner as one or more functions performed by a corresponding component of the multiple components prior to integration. According to various embodiments, the operations performed by a module, program, or other component may be performed sequentially, in parallel, repeatedly, or heuristically, or one or more of the operations may be run in a different order or omitted, or one or more other operations may be added.

Claims

1. A portable electronic device, comprising: Touch-sensitive display; Wireless communication circuits; processor; as well as Memory (288), Store Instructions The instructions, when executed by the processor, enable portable electronic devices to: Obtain travel information from users of portable electronic devices; Based on the travel information, a first message is sent to the server via a wireless communication circuit. The first message includes the identification information of the card company that issued the card registered in the portable electronic device and information included in the travel information. Receive a second message related to the first message via a wireless communication circuit; Based on at least one of travel information and information about the location of a portable electronic device identified via wireless communication circuitry, determine whether the user is on a transport vehicle moving between countries; and Based on the second message, a token is obtained for the user to use for card payments while on the transportation device.

2. The portable electronic device according to claim 1, wherein, Instructions, when executed by the processor, enable portable electronic devices to: Travel information is obtained from data received from external devices via wireless communication circuits or stored in memory, and identification information of transportation equipment is identified from the travel information; as well as The identification information of the identified transportation equipment is included in the first message, and the first message including the identification information is sent to the server; Identify subsidiary information from the second message indicating whether the operating company and the trucking company of the transportation equipment are affiliated; as well as Based on the identification of the affiliate relationship between the operating company and the card company, the second token is configured as the activity token for card payments, between the first token and the second token.

3. The portable electronic device according to claim 2, wherein, Instructions, when executed by the processor, enable portable electronic devices to: Receive user input requesting payment from the display; and Based on the received user input, a second token is sent to an external device via a wireless communication circuit. The first token includes a universal token that corresponds to the card and conforms to global standards, while the second token includes a dedicated token that corresponds to the card and conforms to standards independently established by a specific country.

4. The portable electronic device according to claim 2, wherein, When executed by the processor, the instruction causes the portable electronic device to further configure the second token as an active token based on the identification that the transport equipment is located in a non-ground area.

5. The portable electronic device according to claim 2, wherein, When executed by the processor, the instruction causes the portable electronic device to configure the first token as the active token based on the identification from the affiliate information that the operating company and the card company are not affiliated.

6. The portable electronic device according to claim 2, wherein, Instructions, when executed by the processor, enable portable electronic devices to: Identify first-hand information about boarding or departure times from travel information; Based on the first-hand information, the first message is sent to the server; Identify secondary time information regarding drop-off or arrival times from travel information; as well as Based on the second time information, the activity token is changed to the first token.

7. The portable electronic device according to claim 2, further comprising a sensing circuit, in, When executed by the processor, the instruction causes the portable electronic device to further identify that it is located in a non-ground area based on data obtained from the sensing circuitry, and configures the second token as an active token.

8. The portable electronic device according to claim 1, wherein, When executed by the processor, the instruction causes the portable electronic device to obtain a token for card payment by changing the period during which the token stored in memory is activated.

9. The portable electronic device according to claim 1, wherein, When executed by the processor, the instruction causes the portable electronic device to deactivate the acquired token based on information related to the user's arrival at their destination.

10. The portable electronic device according to claim 1, wherein, Wireless communication circuits include Wi-Fi communication circuits, and The instructions, when executed by the processor, enable portable electronic devices to: Identifying the identification information of transportation equipment from data received from external devices via Wi-Fi communication circuits; and The identification information of the identified transportation equipment is included in the first message, and the first message including the identification information is sent to the server.

11. The portable electronic device according to claim 1, wherein, When executed by the processor, the instruction causes the portable electronic device to receive a token for card payment via a wireless communication circuit.

12. The portable electronic device according to claim 11, wherein, The received token is a one-time token.

13. A method of operating a portable electronic device, the method comprising: Obtain travel information from users of portable electronic devices; Based on travel information, a first message is sent to the server via the wireless communication circuit of the portable electronic device. The first message includes the identification information of the card company that issued the card registered in the portable electronic device and information included in the travel information. Receive a second message related to the first message via a wireless communication circuit; Based on at least one of travel information and information about the location of a portable electronic device identified via wireless communication circuitry, determine whether the user is on a transport vehicle moving between countries; and Based on the second message, a token is obtained for the user to use for card payments while on the transportation device.

14. The method according to claim 13, wherein, Travel information is obtained from data received from external devices via wireless communication circuits or stored in portable electronic devices, and The method further includes: Identify the identification information of transportation equipment from travel information; The identification information of the transport equipment will be included in the first message; Identify from the second message whether the operating company and the trucking company of the transport equipment are affiliated; and Based on the identification of the affiliate relationship between the operating company and the card company from the affiliate information, the second token is configured as the activity token for card payments, between the first token and the second token.

15. The method of claim 14, further comprising: Based on the user's input requesting payment, a second token is sent to an external device via a wireless communication circuit. The first token includes a universal token that corresponds to the card and conforms to global standards, while the second token includes a dedicated token that corresponds to the card and conforms to standards independently established by a specific country.

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