Mobile Terminal Payment State Management
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Solution Overview
Problem
Current mobile terminals require the payment-related application to be in the foreground for card payments, and the payment processing restarts if not completed within a set time, limiting convenience and efficiency.
Innovation Solution
A mobile terminal and method that differentiate between a payment ready state and a payment waiting state, allowing payments to be initiated in the background and extending the token value production time while maintaining security, by displaying a payment card in the center of the display unit and changing it to an indicator when in waiting state.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the payment application is executed in the foreground to perform card payment, then the payment can be completed successfully, but the operation convenience deteriorates because the user cannot use other applications simultaneously
Solution Approach 1:
The system performs preliminary actions by generating a time information-based token value in advance before the actual payment is executed. This token can be stored and used later, allowing the payment process to be initiated beforehand without requiring the payment application to remain in the foreground, thus resolving the contradiction between payment reliability and operational convenience
2Reliability
If the payment processing is restarted when not completed within a set period, then the security is maintained, but the productivity deteriorates due to repeated payment processing
Solution Approach 1:
The system generates a time information-based token value in advance that remains valid for a predetermined period. This preliminary token generation eliminates the need to restart payment processing when the user returns later, maintaining security through time-limited validity while improving productivity by avoiding repeated processing
Solution Approach 2:
Instead of repeating the entire payment processing sequence, the system uses a copied token value that was generated earlier. This token copy can be reused within its validity period, reducing redundant processing steps while maintaining the security constraints of the original payment authorization
Data Source
AI summary
A mobile terminal and a method for controlling the same are disclosed. The mobile terminal includes a display unit and a controller configured to execute a specific application related to a payment, change to a payment ready state and display a payment card in a center area of the display unit when selecting the payment card among cards stored in the specific application, produce one-time payment information, a token value, and perform the payment when receiving a first input in the payment ready state, and change to a payment waiting state and control the display unit so that a display of the payment card is changed to a display of a specific indicator, when receiving a second input in the payment ready state.