Portable electronic device for supporting transaction made in non-terrestrial region

Abstract

This portable electronic device can acquire travel information about a user, transmit, to a server, on the basis of the travel information, 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, receive a second message in relation to the first message, and acquire, on the basis of the second message, a token to be used for card payment while the user is on board a means of transportation traveling between countries.

Description

Portable electronic devices to support transactions conducted in non-terrestrial areas

[0001] Embodiments of the present disclosure relate to a portable electronic device for supporting transactions in areas where international boundaries are ambiguous (e.g., high seas) (hereinafter, non-ground areas).

[0002] Tokens can be used in place of the original object to be protected and can be used in mobile payment services. For example, a mobile electronic device (e.g., a smartphone) can store a token corresponding to the number of a card (e.g., a credit card) used for payment. The mobile electronic device can use the stored token to pay for access to online services or purchase items.

[0003] Tokens can include universal tokens based on global standards (e.g., EMV (Europay, MasterCard, Visa)) and dedicated tokens based on standards established by specific countries. The token payment method may change when a user moves between countries. For example, when a user moves from their home country to another, the mobile electronic device can receive the country code (e.g., mobile country code (MCC)) via wireless communication circuits. Based on the received country code, the mobile electronic device can change the token payment method from a dedicated token payment method to a universal token payment method.

[0004] The above information is provided as background information to aid in understanding the present disclosure. No claim or determination is made as to whether any of the above is applicable as prior art related to the present disclosure.

[0005] Card issuers can support both dedicated token and general-purpose token payment methods. Fees may vary depending on the payment method. For example, there may be no fee for payments using dedicated tokens, while fees for payments using general-purpose tokens may be based on a specified amount or the payment amount.

[0006] Transportation vehicles (e.g., aircraft, cruise ships, or urban air mobility (UAM)) can offer token-based mobile payment services to passengers while in non-terrestrial environments (e.g., air, sea, or space). The transportation operator (or, in other words, the company providing transportation services using the vehicle) may have a partnership (or alliance) with a card issuer that supports a specific country's dedicated token, with specific policies in place. For example, when a passenger purchases a service voucher or item sold on the vehicle using a card issued by a card issuer that has a partnership with the transportation operator, a fee may be waived. Another example is the possibility of receiving a discount or accumulating additional points (e.g., mileage).

[0007] Various embodiments may provide a portable electronic device that supports token-based payments in a vehicle moving in a non-ground area. Various embodiments may provide a portable electronic device that enables payments using a dedicated token associated with a registered card, when the card issuer of the card registered in the portable electronic device is affiliated with the operator of the vehicle.

[0008] The technical problems to be achieved in the present disclosure are not limited to the technical problems mentioned above, and other technical problems not mentioned can be clearly understood by a person having ordinary skill in the technical field to which the present invention belongs from the description below.

[0009] According to one embodiment, a portable electronic device includes a touch-sensitive display; wireless communication circuitry; a processor connected to the display and the wireless communication circuitry; and a memory storing instructions executable by the processor. The instructions, when executed by the processor, may cause the portable electronic device to check travel information including identification information of a means of transportation traveling between countries via a non-terrestrial area from data received from an external device through the wireless communication circuit or stored in the memory, and, based on the travel information being checked from the data, transmit an affiliate inquiry request message including identification information of a card company that has issued a card registered in the portable electronic device and identification information of the means of transportation to a first external device through the wireless communication circuit, and, in response to the transmission of the identification information of the card company and the identification information of the means of transportation, receive an affiliate inquiry response message including affiliate information indicating whether there is an affiliate relationship between an operator of the means of transportation and the card company from the first external device or a second external device different from the first external device through the wireless communication circuit, and, based on the affiliate relationship being checked between the operator and the card company from the affiliate information, set the second token among the first token and the second token as an activation token for payment.

[0010] According to one embodiment, a method for operating a portable electronic device may include: checking travel information including identification information of a means of transportation traveling between countries via a non-terrestrial area from data received from an external device through a wireless communication circuit of the portable electronic device or stored in a memory of the portable electronic device; transmitting, to a first external device through the wireless communication circuit, an affiliate inquiry request message including identification information of a card company that has issued a card registered in the portable electronic device and identification information of the means of transportation based on the travel information being checked from the data; receiving, in response to the transmission of the identification information of the card company and the identification information of the means of transportation, an affiliate inquiry response message including affiliate information indicating whether there is an affiliate relationship between an operator of the means of transportation and the card company from the first external device or a second external device different from the first external device through the wireless communication circuit; and setting, based on the affiliate relationship being checked from the affiliate information, a second token from among a first token and a second token as an activation token for payment.

[0011] According to one embodiment, a portable electronic device includes a touch-sensitive display; a wireless communication circuit; a processor; and a memory storing instructions. The instructions, when executed by the processor, cause the portable electronic device to obtain travel information of a user of the portable electronic device, transmit a first message including identification information of a card company that has issued a card registered in the portable electronic device and information included in the travel information to a server through the wireless communication circuit based on the travel information, receive a second message through the wireless communication circuit in relation to the first message, determine whether the user is on board a means of transportation traveling between countries based on at least one of the travel information and information regarding a location of the portable electronic device confirmed through the wireless communication circuit, and obtain a token to be used for card payment while the user is on board the means of transportation traveling between countries based on the second message.

[0012] According to one embodiment, a method of operating a portable electronic device may include: obtaining travel information of a user of the portable electronic device; transmitting 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 through a wireless communication circuit of the portable electronic device based on the travel information; receiving a second message through the wireless communication circuit in relation to the first message; determining whether the user is on board a means of transportation traveling between countries based on at least one of the travel information and information regarding a location of the portable electronic device confirmed through the wireless communication circuit; and obtaining a token to be used for card payment while the user is on board the means of transportation traveling between countries based on the second message.

[0013] According to embodiments of the present disclosure, a mobile electronic device can provide a mobile payment service using tokens in non-terrestrial areas. When a mobile device operator and a card issuer have an affiliate relationship, the mobile electronic device can provide a mobile payment service using a dedicated token that offers financial benefits to the user. In addition, various other benefits, directly or indirectly identified through this document, may be provided.

[0014] FIG. 1 is a block diagram of an electronic device within a network environment according to various embodiments.

[0015] FIG. 2 is a block diagram of a portable electronic device configured to support transactions occurring in a non-ground area, according to one embodiment.

[0016] FIG. 3 is a flowchart illustrating operations performed in a portable electronic device to determine an activation token to be used in a non-terrestrial area, according to one embodiment.

[0017] Figure 4 illustrates an example of a user interface (UI) for user interaction in connection with determining an activation token.

[0018] FIG. 5 is a flowchart illustrating operations performed in a portable electronic device to determine an activation token to be used in a non-terrestrial area, according to one embodiment.

[0019] Figure 6 illustrates an example of a user interface (UI) for user interaction in connection with determining an activation token.

[0020] FIG. 7 is a flowchart illustrating operations performed in a portable electronic device to determine an activation token to be used in a non-terrestrial area, according to one embodiment.

[0021] Figure 8 illustrates an example of a user interface (UI) for user interaction in relation to token issuance.

[0022] FIG. 9 is a flowchart illustrating operations performed in a portable electronic device to determine an activation token to be used in a non-terrestrial area, according to one embodiment.

[0023] FIG. 10 is a flowchart illustrating operations for setting up an activation token in a mobile electronic device and using it for payment, according to one embodiment.

[0024] Figures 11a, 11b, 11c, and 11d illustrate examples of user interfaces (UIs) for user interaction with respect to token usage in non-terrestrial areas.

[0025] FIG. 12 is a flowchart illustrating operations for setting up an activation token in a mobile electronic device and using it for payment, according to one embodiment.

[0026] Hereinafter, embodiments of the present disclosure will be described in detail with reference to the drawings so that those skilled in the art can easily implement the present disclosure. However, the present disclosure may be implemented in various different forms and is not limited to the embodiments described herein. In connection with the description of the drawings, the same or similar reference numerals may be used for identical or similar components. Furthermore, in the drawings and related descriptions, descriptions of well-known functions and configurations may be omitted for clarity and conciseness.

[0027] FIG. 1 is a block diagram of an electronic device (101) within a network environment (100) according to various embodiments. Referring to FIG. 1, in the network environment (100), the electronic device (101) may communicate with an electronic device (102) via a first network (198) (e.g., a short-range wireless communication network), or may communicate with at least one of an electronic device (104) or a server (108) via a second network (199) (e.g., a long-range wireless communication network). According to one embodiment, the electronic device (101) may communicate with the electronic device (104) via the server (108). According to one embodiment, the electronic device (101) may include a processor (120), a memory (130), an input module (150), an audio output module (155), a display module (160), an audio module (170), a sensor module (176), an interface (177), a connection terminal (178), a haptic module (179), a camera module (180), a power management module (188), a battery (189), a communication module (190), a subscriber identification module (196), or an antenna module (197). In some embodiments, the electronic device (101) may omit at least one of these components (e.g., the connection terminal (178)), or may have one or more other components added. In some embodiments, some of these components (e.g., the sensor module (176), the camera module (180), or the antenna module (197)) may be integrated into one component (e.g., the display module (160)).

[0028] The processor (120) may, for example, execute software (e.g., a program (140)) to control at least one other component (e.g., a hardware or software component) of the electronic device (101) connected to the processor (120) and perform various data processing or calculations. According to one embodiment, as at least a part of the data processing or calculations, the processor (120) may store commands or data received from other components (e.g., a sensor module (176) or a communication module (190)) in a volatile memory (132), process the commands or data stored in the volatile memory (132), and store result data in a non-volatile memory (134). According to one embodiment, the processor (120) may include a main processor (121) (e.g., a central processing unit or an application processor) or a secondary processor (123) (e.g., a graphics processing unit, a neural processing unit (NPU), an image signal processor, a sensor hub processor, or a communication processor)) that can operate independently or together therewith. For example, if the electronic device (101) includes a main processor (121) and a secondary processor (123), the secondary processor (123) may be configured to use less power than the main processor (121) or to be specialized for a specified function. The secondary processor (123) may be implemented separately from the main processor (121) or as a part thereof.

[0029] The auxiliary processor (123) may control at least a portion of functions or states associated with at least one component (e.g., a display module (160), a sensor module (176), or a communication module (190)) of the electronic device (101), for example, on behalf of the main processor (121) while the main processor (121) is in an inactive (e.g., sleep) state, or together with the main processor (121) while the main processor (121) is in an active (e.g., application execution) state. In one embodiment, the auxiliary processor (123) (e.g., an image signal processor or a communication processor) may be implemented as a part of another functionally related component (e.g., a camera module (180) or a communication module (190)). In one embodiment, the auxiliary processor (123) (e.g., a neural network processing unit) may include a hardware structure specialized for processing artificial intelligence models. The artificial intelligence models may be generated through machine learning. This learning can be performed, for example, on the electronic device (101) itself where the artificial intelligence model is executed, or can be performed through a separate server (e.g., server (108)). The learning algorithm can include, for example, supervised learning, unsupervised learning, semi-supervised learning, or reinforcement learning, but is not limited to the examples described above. The artificial intelligence model can include multiple artificial neural network layers.The artificial neural network may be one of 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), a deep Q-network, or a combination of two or more of the above, but is not limited to the examples described above. In addition to, or alternatively to, a hardware structure, an artificial intelligence model may include a software structure.

[0030] The memory (130) can store various data used by at least one component (e.g., processor (120) or sensor module (176)) of the electronic device (101). The data can include, for example, software (e.g., program (140)) and input data or output data for commands related thereto. The memory (130) can include volatile memory (132) or non-volatile memory (134).

[0031] The program (140) may be stored as software in the memory (130) and may include, for example, an operating system (142), middleware (144), or an application (146).

[0032] The input module (150) can receive commands or data to be used in a component of the electronic device (101) (e.g., a processor (120)) from an external source (e.g., a user) of the electronic device (101). The input module (150) can include, for example, a microphone, a mouse, a keyboard, a key (e.g., a button), or a digital pen (e.g., a stylus pen).

[0033] The audio output module (155) can output audio signals to the outside of the electronic device (101). The audio output module (155) can include, for example, a speaker or a receiver. The speaker can be used for general purposes, such as multimedia playback or recording playback. The receiver can be used to receive incoming calls. In one embodiment, the receiver can be implemented separately from the speaker or as part of the speaker.

[0034] The display module (160) can visually provide information to an external party (e.g., a user) of the electronic device (101). The display module (160) may include, for example, a display, a holographic device, or a projector and a control circuit for controlling the device. In one embodiment, the display module (160) may include a touch sensor configured to detect a touch, or a pressure sensor configured to measure the intensity of a force generated by the touch.

[0035] The audio module (170) can convert sound into an electrical signal, or vice versa, convert an electrical signal into sound. According to one embodiment, the audio module (170) can acquire sound through the input module (150), output sound through the sound output module (155), or an external electronic device (e.g., electronic device (102)) (e.g., speaker or headphone) directly or wirelessly connected to the electronic device (101).

[0036] The sensor module (176) can detect the operating status (e.g., power or temperature) of the electronic device (101) or the external environmental status (e.g., user status) and generate an electrical signal or data value corresponding to the detected status. According to one embodiment, the sensor module (176) can include, for example, a gesture sensor, a gyro sensor, a barometric pressure sensor, a magnetic sensor, an acceleration sensor, a grip sensor, a proximity sensor, a color sensor, an IR (infrared) sensor, a biometric sensor, a temperature sensor, a humidity sensor, or an illuminance sensor.

[0037] The interface (177) may support one or more designated protocols that may be used to directly or wirelessly connect the electronic device (101) with an external electronic device (e.g., the electronic device (102)). In one embodiment, the interface (177) may include, for example, a high definition multimedia interface (HDMI), a universal serial bus (USB) interface, an SD card interface, or an audio interface.

[0038] The connection terminal (178) may include a connector through which the electronic device (101) may be physically connected to an external electronic device (e.g., electronic device (102)). According to one embodiment, the connection terminal (178) may include, for example, an HDMI connector, a USB connector, an SD card connector, or an audio connector (e.g., a headphone connector).

[0039] A haptic module (179) can convert electrical signals into mechanical stimuli (e.g., vibration or movement) or electrical stimuli that a user can perceive through tactile or kinesthetic sensations. In one embodiment, the haptic module (179) can include, for example, a motor, a piezoelectric element, or an electrical stimulation device.

[0040] The camera module (180) can capture still images and videos. According to one embodiment, the camera module (180) may include one or more lenses, image sensors, image signal processors, or flashes.

[0041] The power management module (188) can manage power supplied to the electronic device (101). According to one embodiment, the power management module (188) can be implemented, for example, as at least a part of a power management integrated circuit (PMIC).

[0042] A battery (189) may power at least one component of the electronic device (101). In one embodiment, the battery (189) may include, for example, a non-rechargeable primary battery, a rechargeable secondary battery, or a fuel cell.

[0043] The communication module (190) may support the establishment of a direct (e.g., wired) communication channel or a wireless communication channel between the electronic device (101) and an external electronic device (e.g., electronic device (102), electronic device (104), or server (108)), and the performance of communication through the established communication channel. The communication module (190) may operate independently from the processor (120) (e.g., application processor) and may include one or more communication processors that support direct (e.g., wired) communication or wireless communication. According to one embodiment, the communication module (190) may include a wireless communication module (192) (e.g., a cellular communication module, a short-range wireless communication module, or a global navigation satellite system (GNSS) communication module) or a wired communication module (194) (e.g., a local area network (LAN) communication module, or a power line communication module). Among these communication modules, the corresponding communication module can communicate with an external electronic device (104) via a first network (198) (e.g., a short-range communication network such as Bluetooth, wireless fidelity (WiFi) direct, or infrared data association (IrDA)) or a second network (199) (e.g., a long-range communication network such as a legacy cellular network, a 5G network, a next-generation communication network, the Internet, or a computer network (e.g., a LAN or WAN)). These various types of communication modules can be integrated into a single component (e.g., a single chip) or implemented as multiple separate components (e.g., multiple chips). The wireless communication module (192) can verify or authenticate the electronic device (101) within a communication network such as the first network (198) or the second network (199) by using subscriber information (e.g., an international mobile subscriber identity (IMSI)) stored in the subscriber identification module (196).

[0044] The wireless communication module (192) can support 5G networks and next-generation communication technologies following the 4G network, such as NR access technology (new radio access technology). The NR access technology can support high-speed transmission of high-capacity data (eMBB (enhanced mobile broadband)), minimization of terminal power and connection of multiple terminals (mMTC (massive machine type communications)), or high reliability and low latency (URLLC (ultra-reliable and low-latency communications)). The wireless communication module (192) can support, for example, a high-frequency band (e.g., mmWave band) to achieve a high data transmission rate. The wireless communication module (192) can support various technologies for securing performance in a high-frequency band, such as beamforming, massive multiple-input and multiple-output (MIMO), full dimensional MIMO (FD-MIMO), array antenna, analog beam-forming, or large scale antenna. The wireless communication module (192) can support various requirements specified in the electronic device (101), an external electronic device (e.g., the electronic device (104)), or a network system (e.g., the second network (199)). According to one embodiment, the wireless communication module (192) can support a peak data rate (e.g., 20 Gbps or more) for eMBB realization, a loss coverage (e.g., 164 dB or less) for mMTC realization, or a U-plane latency (e.g., 0.5 ms or less for downlink (DL) and uplink (UL), or 1 ms or less for round trip) for URLLC realization.

[0045] The antenna module (197) can transmit or receive signals or power to or from an external device (e.g., an external electronic device). In one embodiment, the antenna module (197) may include an antenna including a radiator formed of a conductor or a conductive pattern formed on a substrate (e.g., a PCB). In one embodiment, the antenna module (197) may include a plurality of antennas (e.g., an array antenna). In this case, at least one antenna suitable for a communication method used in a communication network, such as the first network (198) or the second network (199), may be selected from the plurality of antennas by, for example, the communication module (190). A signal or power may be transmitted or received between the communication module (190) and an external electronic device through the selected at least one antenna. In some embodiments, in addition to the radiator, another component (e.g., a radio frequency integrated circuit (RFIC)) may be additionally formed as a part of the antenna module (197).

[0046] According to various embodiments, the antenna module (197) may form a mmWave antenna module. According to one embodiment, the mmWave antenna module may include a printed circuit board, an RFIC disposed on or adjacent a first side (e.g., a bottom side) of the printed circuit board and capable of supporting a designated high-frequency band (e.g., a mmWave band), and a plurality of antennas (e.g., an array antenna) disposed on or adjacent a second side (e.g., a top side or a side side) of the printed circuit board and capable of transmitting or receiving signals in the designated high-frequency band.

[0047] At least some of the above components can be interconnected and exchange signals (e.g., commands or data) with each other via a communication method between peripheral devices (e.g., a bus, GPIO (general purpose input and output), SPI (serial peripheral interface), or MIPI (mobile industry processor interface)).

[0048] According to one embodiment, commands or data may be transmitted or received between the electronic device (101) and an external electronic device (104) via a server (108) connected to a second network (199). Each of the external electronic devices (102 or 104) may be the same or a different type of device as the electronic device (101). According to one embodiment, all or part of the operations executed in the electronic device (101) may be executed in one or more of the external electronic devices (102, 104, or 108). For example, when the electronic device (101) is to perform a certain function or service automatically or in response to a request from a user or another device, the electronic device (101) may, instead of or in addition to executing the function or service itself, request one or more external electronic devices to perform the function or at least a part of the service. One or more external electronic devices that receive the request may execute at least a portion of the requested function or service, or an additional function or service related to the request, and transmit the result of the execution to the electronic device (101). The electronic device (101) may process the result as is or additionally and provide it as at least a portion of a response to the request. For this purpose, cloud computing, distributed computing, mobile edge computing (MEC), or client-server computing technology may be used, for example. The electronic device (101) may provide an ultra-low latency service by using distributed computing or mobile edge computing, for example. In another embodiment, the external electronic device (104) may include an Internet of Things (IoT) device. The server (108) may be an intelligent server utilizing machine learning and / or a neural network. According to one embodiment, the external electronic device (104) or the server (108) may be included in the second network (199).The electronic device (101) can be applied to intelligent services (e.g., smart home, smart city, smart car, or healthcare) based on 5G communication technology and IoT-related technology.

[0049] FIG. 2 is a block diagram of a portable electronic device (201) configured to support transactions in a non-ground area, according to one embodiment. Referring to FIG. 2, the electronic device (201) (e.g., the electronic device (101) of FIG. 1) may include a touch-sensitive display (210), a wireless communication circuit (220), a sensing circuit (230), a memory (288), and a processor (299). The components of the electronic device (201) may be operatively, functionally, and / or electrically connected to each other. The display (210), the wireless communication circuit (220), the sensing circuit (230), the memory (288), and the processor (299) may be implemented substantially identically to the display module (160), the wireless communication module (192), the sensor module (176), the memory (130), and the processor (120) of FIG. 1, respectively, and thus may perform the same functions. The memory (288) may store a program and tokens (241, 242) to support a transaction. For example, the memory (288) may include a volatile first memory and a non-volatile second memory. A program (e.g., program (140) of FIG. 1) may be stored as instructions in the second memory and loaded into the first memory to be executed by the processor (299). When executed by the processor (299), the program may cause the electronic device (201) to perform given operations (e.g., online transactions using tokens (241, 242) in a non-terrestrial area). According to one embodiment, the program may include an application (250), a travel information confirmation module (261), an event generation module (263), a query module (265), a token management module (267), and a sensor management module (269).Processes residing in the primary memory (e.g., RAM) and executing or waiting may be classified into, for example, background processes and foreground processes (or, top-layer processes, non-background processes). For example, a process corresponding to an execution screen of a program that can interact with a user by being displayed on the display (210) (e.g., an application (230)) may be classified as a foreground process. Processes that are not displayed on the display (210) (e.g., modules (261, 263, 265, 267, 269)) may be classified as background processes.

[0050] According to one embodiment, the application (250) (e.g., the application (146) of FIG. 1) may include a first application (i.e., a travel application) (e.g., a boarding pass reservation application, an accommodation reservation application, a messenger, or a calendar or schedule application) that provides travel-related information (hereinafter, travel information) to another program (e.g., a travel information confirmation module (261)). The application (250) may include a second application (i.e., a payment application) (e.g., a wallet) that supports a mobile payment service using payment information (e.g., a card number or a corresponding token).

[0051] According to one embodiment, the travel information confirmation module (261) can confirm travel information from data received from an external device through the wireless communication circuit (220) and stored in the memory (288) by the application (251) running on the portable electronic device (201). For example, travel information that can be confirmed from the data stored in the memory (288) may include identification information of the means of transportation (e.g., cruise name, aircraft name, or aircraft number), information indicating the country from which the means of transportation departs, information indicating the country from which the means of transportation arrives, information indicating the company operating the means of transportation, information indicating the nationality of the company, information indicating the boarding time at which a passenger (user) is scheduled to board the means of transportation, information indicating the departure time at which the means of transportation is scheduled to depart from the point of departure, information indicating the arrival time at which the means of transportation is scheduled to arrive at the destination, or information indicating the disembarkation time at which a passenger is scheduled to disembark from the means of transportation.

[0052] According to one embodiment, the travel information confirmation module (261) can receive data from an external device via the wireless communication circuit (220) and confirm travel information from the received data. For example, the wireless communication circuit (220) can include a WiFi communication circuit. A response signal can be transmitted in response to a scan signal from a first external device (e.g., a WiFi wireless router). The travel information confirmation module (261) can confirm network information from the response signal. The network information can include travel information. For example, the travel information confirmation module (261) can confirm, from the response signal, identification information of the vehicle in which the first external device is located (e.g., aircraft name or aircraft number) together with identification information of the first external device. As another example, the travel information confirmation module (261) can request additional travel information from the second external device (e.g., a vehicle information inquiry server (204)) by transmitting the identification information of the vehicle obtained from the first external device to the second external device via the wireless communication circuit (220) (e.g., a cellular communication circuit or a WiFi communication circuit). The travel information confirmation module (261) can receive a response message to a request from a second external device through a wireless communication circuit (220) and confirm travel information (e.g., departure time, boarding time, or arrival time) in the response message.

[0053] According to one embodiment, the travel information confirmation module (261) may check, in the response signal, information indicating that the first external device is associated with a means of transportation moving in a non-ground area from the identification information of the first external device (e.g., an airline code and a unique identification number assigned to an aircraft of the corresponding airline). For example, if the airline is Korean Air, the travel information confirmation module (261) may check the airline code “KE” and the corresponding aircraft number from the identification information of the first external device. The travel information confirmation module (261) may request travel information from a second external device (e.g., a transportation means information inquiry server (204)) by transmitting the identification information of the first external device to the second external device via a wireless communication circuit (220) (e.g., a cellular communication circuit or a WiFi communication circuit). The travel information confirmation module (261) may receive a response message for the request from the second external device via the wireless communication circuit (220) and check travel information (e.g., departure time, boarding time, or arrival time) from the response message.

[0054] According to one embodiment, the event generation module (263) may generate a travel initiation event (or first event) based on travel information confirmed through the travel information confirmation module (261).

[0055] For example, the event generation module (263) may check information indicating the scheduled time to board a vehicle (or the scheduled time for the vehicle to depart from the departure point) in the travel information and generate a travel initiation event based on the identified time information. For example, the event generation module (263) may generate a travel initiation event at the boarding time. For example, the event generation module (263) may generate a travel initiation event a given time (e.g., several minutes to several tens of minutes) prior to the boarding time (or departure time).

[0056] As another example, the event generation module (263) may generate a travel initiation event based on a user input inputted into the portable electronic device (201) through the display (210) after the transportation means information (e.g., aircraft name) is confirmed through the travel information confirmation module (261). For example, if a user input for activating the airplane boarding mode is inputted into the portable electronic device (201) through the display (210) after the transportation means information is confirmed in the data acquired by the travel information confirmation module (261), the event generation module (263) may generate a travel initiation event.

[0057] In one embodiment, the portable electronic device (210) may be connected to an external device via a WiFi communication circuit. For example, the event generation module (263) may determine that the external device is a WiFi wireless router located within the vehicle based on the identification information of the external device received via the WiFi communication circuit. The portable electronic device (210) may be connected to a long-distance wireless communication network (e.g., a satellite communication network) via this router. The event generation module (263) may generate a travel initiation event based on the determination that the external device wirelessly connected to the portable electronic device (210) is a WiFi wireless router located within the vehicle.

[0058] In one embodiment, the wireless communication circuit (220) may include satellite communication circuitry that enables the portable electronic device (201) to communicate with a satellite communication network. The event generation module (263) may generate a travel initiation event based on the portable electronic device (210) being connected to the satellite communication network via the satellite communication circuitry.

[0059] According to one embodiment, the event generation module (263) may generate a travel initiation event based on a user input (activation of airplane boarding mode) being input to the portable electronic device (201).

[0060] According to one embodiment, the event generation module (263) may generate a travel end event (or a second event) based on travel information confirmed through the travel information confirmation module (261). For example, the event generation module (263) may check information indicating a scheduled time to disembark from a means of transportation (or a scheduled time for the means of transportation to arrive at the destination) in the travel information, and may generate a travel end event based on the confirmed time information. For example, the event generation module (263) may generate a travel end event at the disembarkation time (or arrival time). The event generation module (263) may also generate a travel end event a given time (e.g., several minutes to several tens of minutes) before the disembarkation time (or arrival time).

[0061] According to one embodiment, the event generation module (263) may generate a travel end event based on a user input to deactivate the airplane boarding mode being input to the portable electronic device (201) via the display (210) after a travel initiation event has occurred.

[0062] According to one embodiment, the event generation module (263) may generate a trip end event based on a loss of wireless connection with the satellite communication network or the first external device after a trip start event has occurred.

[0063] According to one embodiment, the inquiry module (265) can, based on the occurrence of a travel initiation event, inquire through an external device (e.g., a relay server (203) or a card company server among the card company servers (202)) whether there is an affiliate relationship between the operator of the means of transportation and the card company that issued the card registered in the portable electronic device (201).

[0064] For example, the inquiry module (265) can obtain identification information of the card company that issued the card(s) registered in the portable electronic device (201) (e.g., a number indicating the card company among the company name and / or card number) from the memory (288). The inquiry module (265) can transmit an affiliate inquiry request message including identification information of the card company and identification information of the means of transportation to an external device (e.g., a relay server (203) or a corresponding card company server among the card company servers (202)) through the wireless communication circuit (220). The inquiry module (265) can receive an affiliate inquiry response message including affiliate information indicating whether there is an affiliate relationship from the external device through the wireless communication circuit (220). If there are multiple cards for which an inquiry request has been made, the affiliate inquiry response message can include information on whether there is an affiliate relationship for each card.

[0065] As another example, the inquiry module (265) may transmit a card inquiry request message to an external device (e.g., a relay server (203) or a card company server among the card company servers (202)) requesting that the external device check whether the card(s) registered in the portable electronic device (201) are valid (e.g., whether the card can be used for payment, whether the card has exceeded its limit, or whether the card is a bad card that has been suspended). The card inquiry request message may include identification information of the card company and identification information of the registered card (e.g., card number and / or credit information of the user who owns the card (e.g., name or date of birth)). The inquiry module (265) may receive a card inquiry response message including information indicating whether each card is valid from the external device through the wireless communication circuit (220). The inquiry module (265) may check for valid card(s) among the registered card(s) through the card inquiry response message. The inquiry module (265) can transmit an affiliate inquiry request message including identification information of the card company that issued the card(s) confirmed to be valid and identification information of the means of transportation to an external device (e.g., a relay server (203) or a card company server among the card company servers (202)) via a wireless communication circuit (220). The inquiry module (265) can receive an affiliate inquiry response message including affiliate information indicating whether or not there is an affiliate relationship from the external device via the wireless communication circuit (220). If there are multiple cards for which an inquiry request has been made, the affiliate inquiry response message can include information on whether or not there is an affiliate relationship for each card.

[0066] According to one embodiment, the token management module (267) may set (or configure) (in other words, determine) a token (hereinafter, an activated token) to be used for payment among the first tokens (or general-purpose tokens) (241) and the second tokens (or dedicated tokens) (242) based on the merchant information confirmed through the inquiry module (265). The token management module (267) may set the remaining tokens as inactive tokens except for the activated tokens. For example, the first token may include a so-called EMV token according to the standards set by Europay, MasterCard, and Visa. For example, the second token may include a token according to the standard independently set by Samsung Pay, a token according to the standard independently set by UnionPay, a token according to the standard independently set by JCB, or a token according to the standard independently set by Maestro.

[0067] For example, if it is confirmed from the affiliate information that the card company has an affiliate relationship with the operating company, the token management module (267) may set the dedicated token of the corresponding card among the second tokens (242) as an activation token and set the general token of the corresponding card among the first tokens (241) as a deactivation token.

[0068] As another example, if it is confirmed from the affiliate information that the card company is not affiliated with the operating company, the token management module (267) may set the general token of the corresponding card among the first tokens (241) as an activation token and set the dedicated token of the corresponding card among the second tokens (242) as a deactivation token.

[0069] According to one embodiment, the token management module (267) may set an activation token among the first tokens (241) and the second tokens (242) based on the occurrence of a trip end event in the event generation module (263). For example, if a trip end event occurs while the activation token is set to a dedicated token, the token management module (267) may change the activation token of the corresponding card to a general-purpose token. As another example, if a trip end event occurs while the activation token is set to a dedicated token, the token management module (267) may terminate the activation of the token.

[0070] According to one embodiment, the token management module (267) may transmit a token issuance request message requesting the issuance of a dedicated token (e.g., a disposable token) to an external device (e.g., a relay server (203) or a card company server among the card company servers (202)) based on the occurrence of a travel initiation event in the event generation module (263). The token issuance request message may include identification information of the corresponding card (e.g., a card number and / or credit information of a user owning the corresponding card (e.g., name, date of birth)). The token management module (267) may receive a token issuance response message including the dedicated token from the external device through the wireless communication circuit (220) and store the token issuance response message in the memory (288). The token management module (267) may set the received dedicated token as an activation token.

[0071] According to one embodiment, the sensor management module (269) can determine, based on data (e.g., speed, altitude, longitude, or latitude) received from the sensing circuit (230) after an event initiation event is generated in the event generation module (263), that the vehicle is located in a non-terrestrial area where the geographical boundaries between countries are ambiguous.

[0072] In one embodiment, the sensor management module (269) may request the token management module (267) to activate a token based on the vehicle being determined to be located in a non-ground area. In response to the request, the token management module (267) may set a token (e.g., a dedicated token received from an external device via a token issuance response message) as the activation token.

[0073] FIG. 3 is a flowchart illustrating operations performed in a portable electronic device (201) to determine an activation token to be used in a non-terrestrial area, according to one embodiment. FIG. 4 illustrates an example of a user interface (UI) for user interaction in connection with determining an activation token.

[0074] In operation 310, the travel information verification module (261) may verify travel information including identification information of a means of transportation from application data stored in the memory (288). For example, the travel information verification module (261) may verify, from the application data, identification information of a means of transportation (e.g., cruise name, aircraft name, or aircraft number), information indicating a country from which the means of transportation departs, information indicating a country from which the means of transportation arrives, information indicating a company operating the means of transportation, information indicating a nationality of the company, information indicating a boarding time at which a passenger (user) is scheduled to board a means of transportation, information indicating a departure time at which the means of transportation is scheduled to depart from a point of origin, information indicating an arrival time at which the means of transportation is scheduled to arrive at a destination, and / or information indicating a disembarkation time at which a passenger is scheduled to disembark from a means of transportation.

[0075] In operation 315, the travel information confirmation module (261) can transmit the confirmed travel information to the event generation module (263).

[0076] In operation 320, the event generation module (263) may generate a travel initiation event based on the received travel information. For example, the event generation module (263) may check the boarding time from the travel information and generate a travel initiation event at the boarding time. As another example, the event generation module (263) may check the boarding time or departure time from the travel information and generate a travel initiation event a given time before the boarding time or departure time (e.g., 10 minutes before the boarding time).

[0077] In operation 325, the inquiry module (265) may, in response to the occurrence of a travel initiation event, inquire the user about whether to activate the token (in other words, whether to use the token activation policy in the non-ground area). For example, referring to FIG. 4, in response to the occurrence of the travel initiation event, the inquiry module (265) may display a boarding pass (410) on the display (210). In addition, the inquiry module (265) may display a message (420) inquiring about whether to activate the token for payment on a means of transportation (e.g., an aircraft) together with the boarding pass (410). In response to the message (420) being selected (e.g., touched), the inquiry module (265) may display a screen on the display (210) that allows the user to select whether to activate the token.

[0078] At operation 330, the query module (265) may receive user input via the display (210) indicating consent to token activation as a user response to the inquiry.

[0079] In operation 335, the inquiry module (265) may transmit a card inquiry request message requesting verification of whether a card registered in the portable electronic device (201) is valid to an external device (301) (e.g., a relay server (203) or a card company server among the card company servers (202)) via a wireless communication circuit (220) as the user agrees to token activation. When the relay server (203) receives the message, it may forward the card inquiry request message to the card company server.

[0080] In operation 340, the inquiry module (265) can receive a card inquiry response message including information indicating whether each card is valid from an external device (301) via the wireless communication circuit (220).

[0081] In operation 345, the inquiry module (265) can transmit an affiliate inquiry request message including the card company identification information of the card registered in the mobile electronic device (201) and the transportation means identification information, which are confirmed to be valid through the card inquiry response message, to the external device (301) through the wireless communication circuit (220).

[0082] In operation 350, the inquiry module (265) can receive an affiliate inquiry response message including affiliate information indicating whether there is an affiliate relationship between the card company and the transportation operator from an external device (301) through a wireless communication circuit (220).

[0083] In operation 355, the inquiry module (265) can obtain affiliate information from the affiliate inquiry response message and transmit it to the token management module (267).

[0084] In operation 360, the token management module (267) may set an activation token based on the received affiliate information. For example, if an affiliate relationship is confirmed between the card company and the transportation operator in the affiliate information, the token management module (267) may set the second token among the first token (general token) and the second token (dedicated token) of the card company as an activation token and set the first token as a deactivated token. As another example, if a non-affiliated relationship is confirmed between the card company and the transportation operator in the affiliate information, the token management module (267) may set the first token among the first token (general token) and the second token (dedicated token) of the card company as an activation token and set the second token as a deactivated token.

[0085] After the activation token setting based on affiliate information is completed, in operation 365, the token management module (267) can confirm that a travel end event has occurred in the event generation module (263).

[0086] At operation 370, the token management module (267) may terminate token activation (in other words, terminate the use of the token activation policy in the non-terrestrial area) based on the occurrence of a trip termination event. For example, if the second token is set as the activation token, the token management module (267) may change the activation token to the first token to enable overseas payment. Furthermore, the token management module (267) may notify the user of the termination of token activation via the display (210).

[0087] In one embodiment, a token activation policy may be preset to be used in non-terrestrial areas. If the token activation policy is the default, the query module (265) may skip operations 325 and 330 and perform operation 335 based on the occurrence of a travel initiation event.

[0088] In one embodiment, operations 335 and 340 may be omitted. For example, the inquiry module (265) may transmit an affiliate inquiry request message including the card issuer's identification information of the card registered in the portable electronic device (201) and the transportation means' identification information to the external device (301) via the wireless communication circuit (220) when the user agrees to token activation (or when a travel initiation event occurs).

[0089] According to one embodiment, operation 335 may be performed simultaneously with operation 345 or after operation 350. For example, the token management module (267) may request card inquiry and affiliate inquiry from an external device (301) and receive a response thereto from the external device (301). If the card inquiry response confirms that the corresponding card is usable but has exceeded its limit or is a suspended card, the token management module (267) may inform the user of the fact through the display (210) and terminate token activation. As another example, after receiving the affiliate inquiry response message, the token management module (267) may request card inquiry of the corresponding card from the external device (301) and receive a response thereto from the external device (301). If the token management module (267) determines in the response that the card is usable but has exceeded its limit or is a disabled card, it can inform the user of the fact through the display (210) and terminate token activation.

[0090] FIG. 5 is a flowchart illustrating operations performed in a portable electronic device (201) to determine an activation token to be used in a non-terrestrial area, according to one embodiment. FIG. 6 illustrates an example of a user interface (UI) for user interaction related to determining an activation token. Any content that overlaps with the description of FIG. 3 is briefly described or omitted.

[0091] In operation 510, the travel information confirmation module (261) can confirm travel information including identification information of a means of transportation from network data received from an external device via a wireless communication circuit (220). For example, the travel information confirmation module (261) can confirm identification information of a means of transportation (e.g., aircraft name or aircraft number) from data received from an external device (e.g., a WiFi wireless router) via a WiFi communication circuit in the wireless communication circuit (220).

[0092] In operation 515, the travel information confirmation module (261) may confirm additional travel information through the transportation information inquiry server (204) based on the identification information of the transportation means confirmed in the network data. For example, the travel information confirmation module (261) may transmit an inquiry request message including the identification information of the transportation means to the transportation information inquiry server (204) through the wireless communication circuit (220). The travel information confirmation module (261) may receive an inquiry response message including the time at which the transportation means is scheduled to depart from the departure point (and / or the time at which a passenger is scheduled to board the transportation means) and / or the time at which the transportation means is scheduled to arrive at the destination from the transportation information inquiry server (204) through the wireless communication circuit (220).

[0093] In operation 520, the travel information confirmation module (261) can transmit the confirmed travel information to the event generation module (263).

[0094] In operation 525, the event generation module (263) may generate a travel initiation event based on the received travel information. For example, the event generation module (263) may check the boarding time from the travel information and generate a travel initiation event at the boarding time. As another example, the event generation module (263) may check the boarding time or departure time from the travel information and generate a travel initiation event a given time before the boarding time or departure time (e.g., 10 minutes before the boarding time). As another example, the event generation module (263) may generate a travel initiation event in response to the identification information of the means of transportation being confirmed in the travel information and a user input activating the airplane boarding mode being input to the portable electronic device (201) through the display (210). According to this example, operation 515 may be omitted.

[0095] In operation 530, the inquiry module (265) may, in response to the occurrence of a travel initiation event, inquire the user as to whether to activate the token. For example, referring to FIG. 6, in response to the occurrence of the travel initiation event, the inquiry module (265) may display a boarding pass (610) on the display (210). Furthermore, for example, the inquiry module (265) may display a message (620) along with the boarding pass (610) inquiring as to whether to activate the token for payment on a means of transportation (e.g., an aircraft). In response to the message (620) being selected (e.g., touched), the inquiry module (265) may display a screen on the display (210) allowing the user to select whether to activate the token.

[0096] At operation 535, the query module (265) may receive user input via the display (210) indicating consent to token activation as a user response to the inquiry.

[0097] In operation 540, the inquiry module (265) may transmit a card inquiry request message requesting verification of whether a card registered in the portable electronic device (201) is valid to an external device (301) (e.g., a relay server (203) or a card company server among the card company servers (202)) via a wireless communication circuit (220) as the user agrees to token activation. When the relay server (203) receives the message, it may forward the card inquiry request message to the card company server.

[0098] In operation 545, the inquiry module (265) may receive a card inquiry response message including information indicating whether each card is valid from an external device (301) via the wireless communication circuit (220).

[0099] In operation 550, the inquiry module (265) can transmit an affiliate inquiry request message including the identification information of the card company of the card registered in the mobile electronic device (201) and the identification information of the means of transportation, which is confirmed to be valid through the card inquiry response message, to the external device (301) through the wireless communication circuit (220).

[0100] In operation 555, the inquiry module (265) can receive an affiliate inquiry response message including affiliate information indicating whether there is an affiliate relationship between the card company and the transportation operator from an external device (301) through a wireless communication circuit (220).

[0101] In operation 560, the inquiry module (265) can obtain affiliate information from the affiliate inquiry response message and transmit it to the token management module (267).

[0102] In operation 565, the token management module (267) can set an activation token based on the received affiliate information.

[0103] After the activation token setting based on affiliate information is completed, in operation 570, the token management module (267) can confirm that a travel end event has occurred in the event generation module (263).

[0104] In operation 575, the token management module (267) may terminate token activation based on the occurrence of a travel termination event. For example, if a second token (dedicated token) is set as the activation token, the token management module (267) may change the activation token to a first token (general-purpose token) to enable overseas payment. Furthermore, the token management module (267) may notify the user of the termination of token activation via the display (210).

[0105] In one embodiment, a token activation policy may be preset to be used in non-terrestrial areas. If the token activation policy is the default, the query module (265) may skip operations 530 and 535 and perform operation 540 based on the occurrence of a travel initiation event.

[0106] In one embodiment, operations 540 and 545 may be omitted. For example, the inquiry module (265) may transmit an affiliate inquiry request message including the card issuer's identification information of the card registered in the portable electronic device (201) and the transportation means' identification information to the external device (301) via the wireless communication circuit (220) when the user agrees to token activation (or when a travel initiation event occurs).

[0107] According to one embodiment, operation 540 may be performed simultaneously with operation 550 or after operation 555. For example, the token management module (267) may request card inquiry and affiliate inquiry from an external device (301) and receive a response thereto from the external device (301). If the card inquiry response confirms that the corresponding card is usable but has exceeded its limit or is a suspended card, the token management module (267) may inform the user of the fact through the display (210) and terminate token activation. As another example, after receiving the affiliate inquiry response message, the token management module (267) may request card inquiry of the corresponding card from the external device (301) and receive a response thereto from the external device (301). If the token management module (267) determines in the response that the card is usable but has exceeded its limit or is a disabled card, it can inform the user of the fact through the display (210) and terminate token activation.

[0108] FIG. 7 is a flowchart illustrating operations performed on a portable electronic device (201) to determine an activation token to be used in a non-terrestrial area, according to one embodiment. FIG. 8 illustrates an example of a user interface (UI) for user interaction related to token issuance. Any details that overlap with those described in FIGS. 3 and 5 are briefly described or omitted.

[0109] In operation 710, the event generation module (263) may generate a travel initiation event based on a time (e.g., boarding time or departure time) identified in the travel information.

[0110] In operation 715, the token management module (267) can confirm that a travel initiation event has occurred.

[0111] At step 720, the token management module (267) may inquire the user about whether to issue a token for payment in a non-ground area. For example, referring to FIG. 8, in response to the occurrence of a travel initiation event, the token management module (267) may display a boarding pass (810) on the display (210). In addition, the token management module (267) may display a message (820) inquiring about whether to issue a token for payment on a means of transportation (e.g., an aircraft) together with the boarding pass (810). In response to the message (820) being selected (e.g., touched), the token management module (267) may display a screen on the display (210) that allows the user to select whether to issue a token.

[0112] At operation 725, the query module (265) may receive user input indicating consent to token issuance through the display (210) as a user response to the inquiry.

[0113] In operation 730, the token management module (267) may transmit a token issuance request message requesting the issuance of a token (e.g., a disposable token) to an external device (301) (e.g., a relay server (203) or a card company server among the card company servers (202)) upon the user's consent to token issuance. The token issuance request message may include identification information of the corresponding card (e.g., a card number and / or credit information of a user owning the corresponding card (e.g., name or date of birth).

[0114] In operation 735, the token management module (267) can receive a token issuance response message including the issued token from an external device (301) via a wireless communication circuit (220).

[0115] In operation 740, the token management module (267) can obtain a token from a token issuance response message and store it in memory (288).

[0116] In operation 745, the token management module (267) can confirm that the vehicle is located in a non-ground area through the sensor management module (269).

[0117] In operation 750, the token management module (267) may set the issued token as an activation token based on the determination that the vehicle is located in a non-ground area.

[0118] In one embodiment, a token activation policy may be preset to be used in non-terrestrial areas. If the token activation policy is the default, the token management module (267) may skip operations 720 and 725 and perform operation 730 based on the occurrence of a travel initiation event.

[0119] FIG. 9 is a flowchart illustrating operations performed in a portable electronic device (201) to determine an activation token to be used in a non-terrestrial area, according to one embodiment. Any details overlapping with those described in FIG. 7 are briefly described or omitted.

[0120] In operation 910, the event generation module (263) may generate a travel initiation event based on a user input to activate the airplane boarding mode being input to the portable electronic device (201). In one embodiment, the event generation module (263) may also generate a travel initiation event based further on the identification of the means of transportation (e.g., aircraft name or aircraft number) being confirmed in network data received from an external device via the wireless communication circuit (220).

[0121] At operation 915, the token management module (267) can confirm that a travel initiation event has occurred.

[0122] At operation 920, the token management module (267) may ask the user whether to issue a token for payment in a non-terrestrial area.

[0123] At operation 925, the query module (265) may receive user input indicating consent to token issuance through the display (210) as a user response to the inquiry.

[0124] In operation 930, the token management module (267) may transmit a token issuance request message requesting the issuance of a token (e.g., a disposable token) to an external device (301) (e.g., a relay server (203) or a card company server among the card company servers (202)) upon the user's consent to token issuance. The token issuance request message may include identification information of the corresponding card (e.g., a card number and / or credit information of a user owning the corresponding card (e.g., name or date of birth).

[0125] 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).

[0126] In operation 940, the token management module (267) may obtain a token from the token issuance response message and store it in the memory (288). In addition, the token management module (267) may set the portable electronic device (201) to airplane mode so that long-range wireless communication (e.g., cellular communication) is disabled on the portable electronic device (201).

[0127] In operation 945, the token management module (267) can confirm that the vehicle is located in a non-ground area through the sensor management module (269).

[0128] In operation 950, the token management module (267) may set the issued token as an activation token based on the determination that the vehicle is located in a non-ground area.

[0129] In one embodiment, a token activation policy may be preset to be used in non-terrestrial areas. If the token activation policy is the default, the token management module (267) may skip operations 920 and 925 and perform operation 930 based on the occurrence of a travel initiation event.

[0130] FIG. 10 is a flowchart illustrating operations for setting up an activation token and using it for payment in a portable electronic device (201), according to one embodiment. When instructions stored in a memory (288) (e.g., modules (261, 263, 265, 267, 269) of FIG. 2) are executed by a processor (299), the operations of FIG. 10 may be performed by the portable electronic device (201).

[0131] In operation 1010, the portable electronic device (201) may identify travel information including identification information (e.g., aircraft name or flight number) of a means of transportation traveling between countries via a non-terrestrial area from data received from an external device via a wireless communication circuit (220) (e.g., application data and / or network data described above) or data stored in a memory (288) (e.g., user input related to travel entered into the portable electronic device (201). Here, the external device may be another electronic device (e.g., a server, a smart phone, a tablet, or a laptop) that exchanges messages with the portable electronic device (201). Alternatively, for example, the external device may be a WiFi wireless router recognized via a WiFi communication circuit.

[0132] In operation 1020, the mobile electronic device (201) may transmit an affiliate inquiry request message including identification information of the card company that issued the card registered in the mobile electronic device (201) and identification information of the means of transportation to a first external device (e.g., a relay server (203) or a corresponding card company server among the card company servers (202)) through a wireless communication circuit (220) based on travel information confirmed in the data.

[0133] In one embodiment, the portable electronic device (201) may transmit an affiliate inquiry request message to the first external device based on time information indicating the boarding time or departure time identified in the travel information. For example, the portable electronic device (201) may transmit the affiliate inquiry request message at the boarding time. As another example, the portable electronic device (201) may transmit the affiliate inquiry request message a given time (e.g., 10 minutes before boarding) prior to the boarding time (or departure time).

[0134] According to one embodiment, the portable electronic device (201) may transmit an affiliate inquiry request message to the first external device further based on a user input to the portable electronic device (201) to activate airplane boarding mode.

[0135] In one embodiment, the mobile electronic device (201) may inquire the user about whether to activate the token based on travel information identified in the data. If the user agrees to token activation as a result of the inquiry, the mobile electronic device (201) may also transmit a merchant inquiry request message to the first external device.

[0136] According to one embodiment, the mobile electronic device (201) may transmit a card inquiry request message to the first external device, requesting that the first external device verify whether a card registered in the mobile electronic device (201) is valid. The mobile electronic device (201) may receive a card inquiry response message from the first external device. If the card is confirmed to be valid in the card inquiry response message, the mobile electronic device (201) may also transmit a merchant inquiry request message to the first external device.

[0137] In one embodiment, the portable electronic device (201) may transmit a token issuance request message to the first external device, requesting the issuance of a second token (a dedicated token) based on travel information identified in the data. The portable electronic device (201) may 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 the memory (288).

[0138] In operation 1030, the mobile electronic device (201) may, in response to transmitting the affiliate inquiry request message, receive an affiliate inquiry response message including affiliate information indicating whether there is an affiliate relationship between the operator of the means of transportation and the card company from a first external device or a second external device (e.g., the card company server) different from the first external device (e.g., the relay server (203)) through a wireless communication circuit (220).

[0139] In operation 1040, the mobile electronic device (201) may set the second token (specific token) among the first token (general token) and the second token (dedicated token) as an activation token for payment based on the affiliated relationship between the operator and the card company confirmed in the affiliated information. According to one embodiment, if the affiliated relationship between the operator and the card company is confirmed in the affiliated information as a non-affiliated relationship, the mobile electronic device (201) may set the first token as an activation token and deactivate the second token.

[0140] In one embodiment, the portable electronic device (201) can determine that the portable electronic device (201) is located in a non-ground area through data received from the sensing circuit (230). The portable electronic device (201) can also set the second token as an activation token based on the determination that the portable electronic device (201) is located in a non-ground area.

[0141] In operation 1050, the portable electronic device (201) may transmit a second token set as an activation token to a third external device (e.g., a POS terminal) via a wireless communication circuit (220) (e.g., a near field communication (NFC) communication circuit) based on a user input requesting payment being input to the portable electronic device (201).

[0142] Figures 11a, 11b, 11c, and 11d illustrate examples of a user interface (UI) for user interaction in connection with token use in a non-terrestrial domain. The operations described below may be performed by a portable electronic device (201) when instructions stored in memory (288) are executed by a processor (299).

[0143] In one embodiment, the portable electronic device (201) may perform an operation of displaying a list of cards registered to the portable electronic device (201) on a display (210). For example, referring to FIG. 11A, the portable electronic device (201) may display a card list (1110) including card images corresponding to registered cards on the display (210).

[0144] According to one embodiment, the portable electronic device (201) may display a card image corresponding to a card selected by the user from among registered cards on the display (210). For example, the portable electronic device (201) may display information regarding the validity of the card together with the card image. For example, referring to FIG. 11b, the portable electronic device (201) may display information (1120) indicating that the card has exceeded its limit, obtained as a result of a card inquiry to an external device (e.g., the external device (301)), together with the card image (1130). As another example, referring to FIG. 11c, the portable electronic device (201) may display information (1140) indicating that the card has been suspended, obtained as a result of a card inquiry to an external device (e.g., the external device (301)), together with the card image (1150).

[0145] According to one embodiment, the portable electronic device (201) may display a list of cards available for payment among the registered cards on the display (210). According to one embodiment, the portable electronic device (201) may display a list of cards corresponding to an activation token based on affiliate information on the display (210). For example, referring to FIGS. 11b and 11c , the portable electronic device (201) may display a menu (1160) for displaying a list of cards available for payment along with card images (1130 or 1140) corresponding to unusable cards. Referring to FIG. 11d , when the menu (1060) is selected (e.g., touched) by the user, the portable electronic device (201) may display a list (1170) of cards available for payment. For example, the portable electronic device (201) may display information (1180) indicating that a corresponding card in the card list (1170) is available for payment in a non-land area. The portable electronic device (201) can display an image (1171) of a card corresponding to a dedicated token and an image (1172) of a card corresponding to a universal token in a card list (1170). In addition, the portable electronic device (201) can display a benefit, for example, the phrase “no fee,” along with the corresponding card image (1171) when making a payment using the dedicated token. The portable electronic device (201) can complete payment using the selected card by transmitting a token corresponding to a card selected by the user from the card list (1170) to an external device via a wireless communication circuit (220).

[0146] In one embodiment, the portable electronic device (201) may activate an issued token (e.g., a one-time token) when the portable electronic device (201) is determined to be located in a non-terrestrial area. The portable electronic device (201) may display a list of cards corresponding to the activation token on the display (210).

[0147] In one embodiment, if no card among the registered cards is available for payment in a non-land area, the portable electronic device (201) may inform the user that no card is available. For example, when the menu (1060; see FIGS. 11B and 11C) is selected (e.g., touched) by the user, the portable electronic device (201) may display a message (e.g., a pop-up window) indicating that no card is available in the non-land area. Cards that are unavailable in the non-land area may include, for example, cards that do not support universal tokens and whose card issuer is not affiliated with the operator of the means of transportation.

[0148] According to one embodiment, if the mobile electronic device (201) determines that there is no card among the registered cards that can be used for payment in a non-land area, the mobile electronic device (201) may transmit a message requesting the card company server to recommend a card that can be used in a non-land area. The mobile electronic device (201) may receive a response message including a list of recommended cards from the card company server. The mobile electronic device (201) may obtain the list of recommended cards from the response message and display it on the display (210). For example, when the menu (1060; see FIGS. 11b and 11c) is selected (e.g., touched) by the user, the mobile electronic device (201) may display the list of recommended cards.

[0149] FIG. 12 is a flowchart illustrating operations for setting up an activation token and using it for payment in a portable electronic device (201) according to one embodiment. When instructions stored in a memory (288) (e.g., modules (261, 263, 265, 267, 269) of FIG. 2) are executed by a processor (299), the operations of FIG. 12 may be performed by the portable electronic device (201).

[0150] In operation 1210, the portable electronic device (201) may identify travel information including identification information (e.g., aircraft name or flight number) of a means of transportation traveling between countries via a non-terrestrial area from data received from an external device via a wireless communication circuit (220) (e.g., application data and / or network data described above) or data stored in a memory (288) (e.g., user input related to travel entered into the portable electronic device (201). Here, the external device may be another electronic device (e.g., a server, a smart phone, a tablet, or a laptop) that exchanges messages with the portable electronic device (201). Alternatively, for example, the external device may be a WiFi wireless router recognized via a WiFi communication circuit.

[0151] In operation 1220, the portable electronic device (201) may transmit a message requesting the issuance of a token (e.g., a single-use token) to a first external device (e.g., a relay server (203) or a card company server among the card company servers (202)) via a wireless communication circuit (220) based on travel information identified in the data. The token issuance request message may include identification information of the corresponding card (e.g., a card number and / or credit information of a user owning the corresponding card (e.g., name or date of birth).

[0152] In operation 1230, the portable electronic device (201) can receive a token issuance response message including the issued token from a first external device or a second external device (e.g., the corresponding card company server) different from the first external device (e.g., the relay server (203)) through a wireless communication circuit (220).

[0153] In operation 1240, the portable electronic device (201) may set the received token as an activation token based on whether the vehicle is located in a non-ground area.

[0154] In operation 1250, the portable electronic device (201) may transmit an activation token to a third external device (e.g., a POS terminal) via a wireless communication circuit (220) (e.g., a near field communication (NFC) communication circuit) based on a user input requesting payment being input into the portable electronic device (201).

[0155] FIG. 13 is a flowchart illustrating operations for setting an activation token and using it for payment in a portable electronic device (201), according to one embodiment. When instructions stored in a memory (288) (e.g., modules (261, 263, 265, 267, 269) of FIG. 2) are executed by a processor (299), the operations of FIG. 10 may be performed by the portable electronic device (201).

[0156] In operation 1310, the portable electronic device (201) may acquire the user's travel information. For example, the portable electronic device (201) may acquire the travel information from data received from an external device via a wireless communication circuit (220) or stored in the memory (288). The portable electronic device (201) may acquire identification information of the transportation means (e.g., aircraft name, aircraft number) from the acquired travel information.

[0157] In operation 1320, the portable electronic device (201) may transmit a first message (e.g., an affiliate inquiry request message) including 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 means of transportation) to a server (e.g., a relay server (203) or a server of the corresponding card company) through a wireless communication circuit (220) based on the travel information. The identification information and the travel information may be transmitted to the server via different messages. For example, the portable electronic device (201) may first transmit one of the two and then transmit the other in response to a response from the server.

[0158] In operation 1330, the mobile electronic device (201) may receive a second message (e.g., an affiliate inquiry response message) through the wireless communication circuit (220) in relation to transmitting the first message.

[0159] In operation 1340, the portable electronic device (201) may obtain a token to be used for card payment while the user is on board the vehicle, based on the second message. In one embodiment, the portable electronic device (201) may change the usage period of the token (e.g., the second token) pre-stored in the memory (288) so that the token can be used while the user is on board the vehicle. For example, the portable electronic device (201) may transmit a message to a server (e.g., a corresponding card company server) via the wireless communication circuit (220) requesting an extension of the usage period of the token. In response to the request, the portable electronic device (201) may receive an approval message for the request or a newly issued token with an extended usage period via the wireless communication circuit (220). In one embodiment, the portable electronic device (201) may transmit a message to the server via the wireless communication circuit (220) requesting a token (e.g., a one-time token) that can be used while the user is on board the vehicle. In response to the request, the portable electronic device (201) may receive a message including a token via the wireless communication circuit (220). According to one embodiment, the portable electronic device (201) may set the second token among the first token and the second token previously stored in the memory (288) as a token to be used for card payment while the user is on board the vehicle, based on the fact that the transportation operator and the card company have been confirmed to be affiliated. According to one embodiment, information indicating whether the transportation operator and the card company have an affiliated relationship (e.g., a table indicating whether each card company has an affiliated relationship with the operator) may be stored in the portable electronic device (201). Accordingly, the portable electronic device (201) may determine whether there is an affiliated relationship based on the information stored in the portable electronic device (201), rather than based on the second message.

[0160] In one embodiment, the portable electronic device (201) may determine whether the user is on board a means of transportation traveling between countries based on at least one of travel information and information regarding the location of the portable electronic device (201) identified through the wireless communication circuit (220). For example, the portable electronic device (201) may check the time the user must board the plane (or the time the plane departs) and the time the plane arrives at the destination from the plane boarding pass in the travel information. The portable electronic device (201) may determine that the user is on board the means of transportation based on the information related to the identified time. As another example, the portable electronic device (201) may check identification information of the means of transportation from the wireless communication circuit (e.g., WiFi communication circuit) (220). The portable electronic device (201) may determine that the user is on board the means of transportation based on the fact that the means of transportation has been identified as an airplane traveling between countries. As another example, the portable electronic device (201) can determine the geographical location of the portable electronic device (201) based on a signal from a satellite via a wireless communication circuit (e.g., a global positioning system (GPS) communication circuit or a global navigation satellite system (GNSS) communication circuit) (220). Based on the determined location (e.g., on the high seas), the portable electronic device (201) can determine that the user is on board a vehicle.

[0161] According to one embodiment, the portable electronic device (201) may deactivate the token acquired in operation 1340 based on information related to the user's arrival at the destination (e.g., arrival time or disembarkation time confirmed in travel information).

[0162] According to one embodiment, a portable electronic device (201) includes 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. The instructions, when executed by the processor, may cause the portable electronic device to check travel information including identification information of a means of transportation traveling between countries via a non-terrestrial area from data received from an external device through the wireless communication circuit or stored in the memory, and, based on the travel information being checked from the data, transmit an affiliate inquiry request message including identification information of a card company that has issued a card registered in the portable electronic device and identification information of the means of transportation to a first external device through the wireless communication circuit, and, in response to the transmission of the identification information of the card company and the identification information of the means of transportation, receive an affiliate inquiry response message including affiliate information indicating whether there is an affiliate relationship between an operator of the means of transportation and the card company from the first external device or a second external device different from the first external device through the wireless communication circuit, and, based on the affiliate relationship being checked between the operator and the card company from the affiliate information, set the second token among the first token and the second token as an activation token for payment.

[0163] The instructions, when executed by the processor, may cause the portable electronic device to receive a user input requesting payment from the display, and, based on the user input received, transmit the second token set as the activation token to a third external device via the wireless communication circuit. The first token may include a universal token corresponding to the card and conforming to a global standard. The second token may include a dedicated token corresponding to the card and conforming to a standard independently established by a specific country.

[0164] The instructions, when executed by the processor, may cause the portable electronic device to set the second token as the activation token further based on the mobile device being recognized as being located in the non-terrestrial area.

[0165] The above instructions, when executed by the processor, may cause the portable electronic device to set the first token as the activation token based on a non-affiliate relationship between the operator and the card company confirmed from the affiliate information.

[0166] The above instructions, when executed by the processor, may cause the portable electronic device to check first time information regarding a boarding time or a departure time from the travel information, and transmit the affiliate inquiry request message to the first external device based on the first time information.

[0167] The above instructions, when executed by the processor, may cause the portable electronic device to check second time information regarding a disembarkation time or an arrival time from the travel information, and based on the second time information, change the activation token to the first token.

[0168] The wireless communication circuit may include a WiFi communication circuit. The instructions, when executed by the processor, may cause the portable electronic device to identify the identification information of the mobile device from data received from an external device via the WiFi communication circuit.

[0169] The instructions, when executed by the processor, may cause the portable electronic device to transmit a card inquiry request message to the first external device requesting to inquire whether payment is possible using a card registered in the portable electronic device, receive a card inquiry response message including card information indicating whether payment is possible using the registered card from the first external device or the second external device, and display an image representing the card together with the card information.

[0170] The instructions, when executed by the processor, may cause the portable electronic device to transmit a token issuance request message requesting the issuance of the second token to the first external device through the wireless communication circuit, based on the travel information identified in the received data, and to receive a token issuance response message including the second token from the first external device or the second external device and store the second token in the memory.

[0171] The second token received from the first external device may be a one-time token.

[0172] The portable electronic device may further include a sensing circuit. The instructions, when executed by the processor, may cause the portable electronic device to set the second token as the activation token based further on data obtained from the sensing circuit confirming that the portable electronic device is located in the non-terrestrial area.

[0173] According to one embodiment, a method of operating a portable electronic device (201) may include: checking travel information including identification information of a means of transportation traveling between countries via a non-terrestrial area from data received from an external device via a wireless communication circuit of the portable electronic device or stored in a memory of the portable electronic device; transmitting, to a first external device via the wireless communication circuit, an affiliate inquiry request message including identification information of a card company that has issued a card registered in the portable electronic device and identification information of the means of transportation based on the travel information being checked from the data; receiving, in response to the transmission of the identification information of the card company and the identification information of the means of transportation, an affiliate inquiry response message including affiliate information indicating whether there is an affiliate relationship between an operator of the means of transportation and the card company from the first external device or a second external device different from the first external device via the wireless communication circuit; and setting, based on the affiliate relationship being checked from the affiliate information, a second token from among a first token and a second token as an activation token for payment.

[0174] According to one embodiment, a portable electronic device (201) includes a touch-sensitive display (210); a wireless communication circuit (220); a processor (299); and a memory (288) storing instructions. The instructions, when executed by the processor, may cause the portable electronic device to obtain travel information of a user of the portable electronic device, transmit a first message including identification information of a card company that has issued a card registered in the portable electronic device and information included in the travel information to a server via the wireless communication circuit based on the travel information, receive a second message via the wireless communication circuit in relation to the first message, and obtain a token to be used for card payment while the user is on board a means of transportation traveling between countries based on the second message. The instructions, when executed by the processor, may cause the portable electronic device to determine whether the user is on board a means of transportation traveling between countries based on at least one of the travel information and information regarding the location of the portable electronic device identified via the wireless communication circuit. For example, the instructions may cause the portable electronic device to check the time the user is required to board the plane (or the time the plane departs) and the time the plane arrives at the destination from the flight boarding pass in the travel information. The instructions may cause the portable electronic device to determine, based on information related to the identified time, that the user is on board the vehicle. As another example, the instructions may cause the portable electronic device to check the identification information of the vehicle from a wireless communication circuit (e.g., a WiFi communication circuit). The instructions may cause the portable electronic device to determine, based on the identification of the vehicle as an international flight, that the user is on board the vehicle.As another example, the instructions may cause the portable electronic device to determine the geographical location of the portable electronic device based on signals from satellites via wireless communication circuitry (e.g., global positioning system (GPS) communication circuitry or global navigation satellite system (GNSS) communication circuitry). The instructions may cause the portable electronic device to determine, based on the determined location (e.g., over the open sea), that the user is aboard the vehicle.

[0175] The instructions, when executed by the processor, may cause the portable electronic device to obtain the travel information from data received from an external device through the wireless communication circuit or stored in the memory, confirm identification information of the transportation means, include the confirmed identification information of the transportation means in the first message (e.g., an affiliate inquiry request message) and transmit it to the server, confirm affiliate information indicating whether there is an affiliate relationship between the operator of the transportation means and the card company in the second message, and set the second token among the first token and the second token as an activation token to be used for the card payment based on the affiliate relationship confirmed between the operator and the card company from the affiliate information.

[0176] The instructions, when executed by the processor, may cause the portable electronic device to receive a user input requesting payment from the display, and, based on the user input received, transmit the second token to an external device via the wireless communication circuit. The first token may include a universal token corresponding to the card and conforming to a global standard. The second token may include a dedicated token corresponding to the card and conforming to a standard independently established by a specific country.

[0177] The instructions, when executed by the processor, may cause the portable electronic device to set the second token as the activation token further based on the mobile device being recognized as being located in the non-terrestrial area.

[0178] The above instructions, when executed by the processor, may cause the portable electronic device to set the first token as the activation token based on a non-affiliate relationship between the operator and the card company confirmed from the affiliate information.

[0179] The instructions, when executed by the processor, may cause the portable electronic device to check first time information regarding a boarding time or a departure time from the travel information, transmit the first message to the server based on the first time information, check second time information regarding a disembarkation time or an arrival time from the travel information, and change the activation token to the first token based on the second time information.

[0180] The portable electronic device may further include a sensing circuit. The instructions, when executed by the processor, may cause the portable electronic device to set the second token as the activation token based further on data obtained from the sensing circuit indicating that the portable electronic device is located in a non-terrestrial area.

[0181] The above instructions, when executed by the processor, may cause the portable electronic device to obtain a token to be used for card payment by changing a period of time during which a token stored in the memory is activated.

[0182] The above instructions, when executed by the processor, may cause the portable electronic device to deactivate the acquired token based on information relating to the user's arrival at the destination.

[0183] The wireless communication circuit may include a WiFi communication circuit. The instructions, when executed by the processor, may cause the portable electronic device to identify the identification information of the vehicle from data received from an external device via the WiFi communication circuit, and to include the identified identification information of the vehicle in the first message and transmit it to the server.

[0184] The above instructions, when executed by the processor, may cause the portable electronic device to receive a token to be used for the card payment through the wireless communication circuit. The received token may be a one-time token.

[0185] According to one embodiment, a method of operating a portable electronic device (201) may include: obtaining travel information of a user of the portable electronic device; transmitting a first message including identification information of a card company that has issued a card registered in the portable electronic device and information included in the travel information to a server through a wireless communication circuit of the portable electronic device based on the travel information; receiving a second message through the wireless communication circuit in relation to the first message; determining whether the user is on board a means of transportation traveling between countries based on at least one of the travel information and information regarding a location of the portable electronic device confirmed through the wireless communication circuit; and obtaining a token to be used for card payment while the user is on board the means of transportation traveling between countries based on the second message.

[0186] The travel information may be received from an external device via the wireless communication circuit or obtained from data stored in the portable electronic device. The method may further include: confirming identification information of the transportation means from the travel information; including the confirmed identification information of the transportation means in the first message (e.g., an affiliate inquiry request message); confirming affiliate information indicating whether there is an affiliate relationship between the operator of the transportation means and the card company in the second message; and setting the second token among the first token and the second token as an activation token to be used for the card payment based on the affiliate relationship confirmed between the operator and the card company from the affiliate information.

[0187] The method may further include transmitting the second token to an external device via the wireless communication circuit based on a user input requesting payment entered into the mobile electronic device. The first token may be a universal token corresponding to the card and conforming to a global standard. The second token may be a dedicated token corresponding to the card and conforming to a standard independently established by a specific country.

[0188] The action of setting the second token as the activation token may be further based on the recognition that the moving means is located in the non-ground area.

[0189] The operation of transmitting the first message may include an operation of checking first time information regarding a boarding time or departure time from the travel information, and an operation of transmitting the first message to the server based on the first time information. The method may further include an operation of checking second time information regarding a disembarkation time or arrival time from the travel information; and an operation of changing the activation token to the first token based on the second time information.

[0190] The various embodiments disclosed in this document may be partially combined with one another. For example, if there are cards with over-limits and suspended cards, the corresponding information (1120, 1140) may be displayed together.

[0191] In the above explanation, the prefixes “first,” “second,” and “third” are only used to distinguish between the same names and do not have any special meaning in themselves, such as importance or order.

[0192] Electronic devices according to the various embodiments disclosed in this document may take various forms. 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. Electronic devices according to the embodiments of this document are not limited to the aforementioned devices.

[0193] The various embodiments of this document and the terminology used therein are not intended to limit the technical features described in this document to specific embodiments, but should be understood to include various modifications, equivalents, or substitutes of the embodiments. In connection with the description of the drawings, similar reference numerals may be used for similar or related components. The singular form of a noun corresponding to an item may include one or more of the items, unless the context clearly indicates otherwise. In this document, each of the phrases "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" can include any one of the items listed together in the corresponding phrase among those phrases, or all possible combinations thereof. Terms such as "first," "second," or "first" or "second" may be used merely to distinguish one component from another, and do not limit the components in any other respect (e.g., importance or order). When a component (e.g., a first component) is referred to as "coupled" or "connected" to another component (e.g., a second component), with or without the terms "functionally" or "communicatively," it means that the component can be connected to the other component directly (e.g., wired), wirelessly, or through a third component.

[0194] The term "module" used in various embodiments of this document may include a unit implemented in hardware, software, or firmware, and may be used interchangeably with terms such as logic, logic block, component, or circuit. A module may be an integral component, or a minimum unit or part of such a component that performs one or more functions. In one embodiment, a module may be implemented in the form of an application-specific integrated circuit (ASIC).

[0195] Various embodiments of the present document may be implemented as software (e.g., a program (140)) including one or more instructions stored in a storage medium (e.g., an internal memory (136) or an external memory (138)) readable by a machine (e.g., an electronic device (101)). For example, a processor (e.g., a processor (120)) of the machine (e.g., an electronic device (101)) may call at least one instruction among the one or more instructions stored from the storage medium and execute it. This enables the machine to operate to perform at least one function according to the at least one called instruction. The one or more instructions may include code generated by a compiler or code executable by an interpreter. The machine-readable storage medium may be provided in the form of a non-transitory storage medium. Here, 'non-transitory' simply means that the storage medium is a tangible device and does not contain signals (e.g., electromagnetic waves), and the term does not distinguish between cases where data is stored semi-permanently or temporarily on the storage medium.

[0196] According to one embodiment, the method according to various embodiments disclosed in this document may be provided as a computer program product. The computer program product may be traded between sellers and buyers as a product. The computer program product may be distributed in the form of a device-readable storage medium (e.g., compact disc read-only memory (CD-ROM)) or may be provided through an application store (e.g., Play Store). TM ) or directly between two user devices (e.g., smart phones), online distribution (e.g., downloading or uploading). In the case of online distribution, at least a portion of the computer program product may be at least temporarily stored or temporarily created in a machine-readable storage medium, such as the memory of a manufacturer's server, an application store's server, or an intermediary server.

[0197] According to various embodiments, each component (e.g., a module or a program) of the above-described components may include one or more entities, and some of the entities may be separated and placed in other components. According to various embodiments, one or more components or operations of the aforementioned components may be omitted, or one or more other components or operations may be added. Alternatively or additionally, a plurality of components (e.g., a module or a program) may be integrated into a single component. In such a case, the integrated component may perform one or more functions of each of the plurality of components identically or similarly to those performed by the corresponding component among the plurality of components prior to the integration. According to various embodiments, the operations performed by a module, program, or other component may be executed sequentially, in parallel, iteratively, or heuristically, or one or more of the operations may be executed in a different order, omitted, or one or more other operations may be added.

Claims

1. In portable electronic devices, Touch-sensitive display; wireless communication circuit; processor; and A memory (288) for storing instructions, wherein the instructions, when executed by the processor, cause the portable electronic device to: Obtaining travel information of the user of the above portable electronic device, Based on the above travel information, 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 is transmitted to the server through the wireless communication circuit, In connection with the first message, a second message is received through the wireless communication circuit, Determining whether the user is on board a means of transportation traveling between countries, based on at least one of the travel information and information about the location of the portable electronic device ascertained via the wireless communication circuit; A portable electronic device that allows a user to obtain a token to be used for card payment while on board said means of transportation, based on said second message.

2. In the first paragraph, when the instructions are executed by the processor, the portable electronic device, Obtaining the travel information from data received from an external device or stored in the memory through the wireless communication circuit and confirming the identification information of the means of transportation, The identification information of the above-mentioned means of transportation is included in the first message and transmitted to the server, Check the affiliate information indicating whether there is an affiliate relationship between the operator of the above transportation means and the above card company in the above second message, A mobile electronic device that sets the second token among the first token and the second token as an activation token to be used for card payment based on the affiliate relationship confirmed between the operator and the card company from the affiliate information.

3. In the second paragraph, the instructions, when executed by the processor, cause the portable electronic device to: Receive user input requesting payment from the above display, Based on the user input received, transmitting the second token to an external device through the wireless communication circuit; A portable electronic device, wherein the first token corresponds to the card and includes a universal token according to a global standard, and the second token corresponds to the card and includes a dedicated token according to a standard independently established by a specific country.

4. In the second paragraph, the instructions, when executed by the processor, cause the portable electronic device to: A portable electronic device further configured to set the second token as the activation token based on the recognition that the said means of transportation is located in the non-ground area.

5. In the second paragraph, the instructions, when executed by the processor, cause the portable electronic device to: A portable electronic device that sets the first token as the activation token based on the non-affiliate relationship confirmed between the operator and the card company from the above affiliate information.

6. In the second paragraph, the instructions, when executed by the processor, cause the portable electronic device to: Check the first time information regarding boarding time or departure time in the above travel information, Based on the first time information, the first message is transmitted to the server, Check the second time information regarding the departure time or arrival time in the above travel information, A portable electronic device, which changes the activation token to the first token based on the second time information.

7. In the second paragraph, a sensing circuit is further included, The above instructions, when executed by the processor, cause the portable electronic device to: An electronic device further comprising: a sensing circuit configured to set the second token as the activation token based on the data obtained from the sensing circuit confirming that the portable electronic device is located in a non-ground area.

8. In the first paragraph, the instructions, when executed by the processor, cause the portable electronic device to: A portable electronic device that allows obtaining a token to be used for card payment by changing the period during which the token stored in the memory is activated.

9. In the first paragraph, the instructions, when executed by the processor, cause the portable electronic device to: A portable electronic device that deactivates the acquired token based on information relating to the user's arrival at the destination.

10. In the first paragraph, the wireless communication circuit includes a WiFi communication circuit, The above instructions, when executed by the processor, cause the portable electronic device to: Confirm the identification information of the vehicle from data received from an external device through the above WiFi communication circuit, A portable electronic device that includes identification information of the above-determined means of transportation in the first message and transmits it to the server.

11. In the first paragraph, the instructions, when executed by the processor, cause the portable electronic device to: A portable electronic device that receives a token to be used for the above card payment through the wireless communication circuit.

12. A 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, An action of obtaining travel information of a user of said portable electronic device; An action of transmitting 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 through a wireless communication circuit of the portable electronic device based on the travel information; In relation to the first message, an operation of receiving a second message through the wireless communication circuit; An operation for determining whether a user is on board a means of transportation traveling between countries, based on at least one of the travel information and information regarding the location of the portable electronic device ascertained via the wireless communication circuit; and A method comprising the action of obtaining a token to be used for card payment while the user is on board the means of transportation, based on the second message.

14. In paragraph 13, The above travel information is received from an external device via the wireless communication circuit or obtained from data stored in the portable electronic device, An action of verifying the identification information of the means of transportation in the above travel information; An action of including identification information of the above-determined means of transportation in the first message; An action of checking the affiliate information indicating whether there is an affiliate relationship between the operator of the above transportation means and the card company in the second message; and A method further comprising an action of setting the second token among the first token and the second token as an activation token to be used for card payment based on the affiliate relationship between the operator and the card company confirmed from the affiliate information.

15. In paragraph 14, Further comprising the action of transmitting said second token to an external device via said wireless communication circuit based on a user input requesting payment being entered into said portable electronic device; A method wherein the first token corresponds to the card and includes a universal token according to a global standard, and the second token corresponds to the card and includes a dedicated token according to a standard independently set by a specific country.

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