CROSS-REFERENCE TO RELATED APPLICATION

Pursuant to 35 U.S.C. § 119(a), this application claims the benefit of earlier filing date and right of priority to Korean Application No. 10-2017-0035521, filed on Mar. 21, 2017, the contents of which are incorporated by reference herein in its entirety.

BACKGROUND OF THE INVENTION

1. Field of the Invention

The present invention relates to a mobile terminal capable of user identification based on artificial intelligence technology.

2. Background of the Invention

Terminals may be generally classified as mobile/portable terminals or stationary terminals according to their mobility. Mobile terminals may also be classified as handheld terminals or vehicle mounted terminals according to whether or not a user can directly carry the terminal.

Mobile terminals have become increasingly more functional. Examples of such functions include data and voice communications, capturing images and video via a camera, recording audio, playing music files via a speaker system, and displaying images and video on a display. Some mobile terminals include additional functionality which supports game playing, while other terminals are configured as multimedia players. More recently, mobile terminals have been configured to receive broadcast and multicast signals which permit viewing of content such as videos and television programs.

Efforts are ongoing to support and increase the functionality of mobile terminals. Such efforts include software and hardware improvements, as well as changes and improvements in the structural components.

Recently, artificial intelligence technology field that enables thinking similar to human intelligence has been developed dramatically based on a machine learning technique. Such artificial intelligence may allow machines to replace human actions for manipulating machines through conventional human thinking. Therefore, there are various movements to utilize artificial intelligence in various industrial fields.

On the other hand, various methods for utilizing artificial intelligence technology are proposed in the field of FinTech that combines finance and technology. When such a FinTech field is applied to a terminal, a security issue related to payment arises. Accordingly, the present invention proposes a method for enhancing payment related security by utilizing artificial intelligence.

In addition, the present invention proposes a method for enhancing security for usability of a mobile terminal in addition to payment.

SUMMARY OF THE INVENTION

Therefore, an aspect of the detailed description is to provide a method for enhancing the security of a mobile terminal by utilizing artificial intelligence.

Another aspect of the detailed description is to provide a method for guaranteeing the usability of a mobile terminal only to an authorized user by utilizing artificial intelligence.

Another aspect of the detailed description is to provide a method for enhancing the security of payment by utilizing artificial intelligence.

Another aspect of the detailed description is to provide a convenient payment method by utilizing artificial intelligence.

An embodiment of the present invention includes an artificial intelligence unit for generating a usage pattern related to an operation performed on the mobile terminal and generate a control command for executing any one of a plurality of operation modes having different security standards based on the generated usage pattern, and a control unit for executing any one of the plurality of operation modes in response to a control command generated by the artificial intelligence unit. The artificial intelligence unit monitors situation information regarding an operation performed on the mobile terminal, compares the generated payment pattern with the monitored situation information, and generates a control command for executing any one operation mode based on a comparison result.

In an embodiment, the plurality of payment modes include a first operation mode for controlling an operation of a mobile terminal based on a first security standard and a second operation mode for controlling an operation of a mobile terminal based on a second security standard higher than the first security standard.

In an embodiment, the artificial intelligence unit executes the first operation mode when a pre-learned usage pattern and the monitored user input match each other based on the comparison result, and executes the second operation mode when a pre-learned usage pattern and the monitored user input do not match each other based on the comparison result.

In one embodiment, the artificial intelligence unit monitors situation information regarding an operation performed on the mobile terminal when the first operation mode is executed, and switches the first operation mode to the second operation mode when the monitored situation information does not match the generated usage pattern.

In an embodiment, the second operation mode is a mode in which execution of some functions among the plurality of functions executable in the mobile terminal is limited.

In an embodiment, the artificial intelligence unit outputs notification information for requesting additional authentication before execution of the some functions, when an execution request for the limited some functions is received.

In an embodiment, the artificial intelligence unit performs the limited some functions when the additional authentication is performed.

In an embodiment, the present invention further includes a touch sensor formed to sense a touch input, and the artificial intelligence unit generates the use pattern based on a touch attribute of the touch input sensed by the touch sensor.

In an embodiment, the touch attribute includes at least one of a touch area of a touch input, a touch pressure of a touch input, a touch speed of a touch input, and information on a finger for applying a touch input.

In an embodiment, the mobile terminal has any one state of a locked state in which an operation of the mobile terminal is limited according to a user input and a released state in which an operation control of the mobile terminal is available according to a user input, and when the locked state is switched to the released state based on a user input applied in the locked state, the artificial intelligence unit selects any one of a plurality of operation modes having different security levels based on the user input applied in the locked state.

In another embodiment of the present invention, a mobile terminal includes an artificial intelligence unit for generating a payment pattern by learning history information regarding a payment performed on the mobile terminal, and an artificial intelligence unit monitors situation information regarding the payment, compares the generated payment pattern with the monitored situation information in response to an occurrence of a payment event, and determines a payment mode to be executed in response to the payment event among a plurality of payment modes having different security standards required during a payment performance based on a comparison result.

In an embodiment, the plurality of payment modes include a first payment mode capable of performing a payment based on authentication information according to a first security standard, and a second payment mode capable of performing a payment based on authentication information according to a second security standard higher than the first security standard.

In an embodiment, the second payment mode is a payment mode for performing a payment when satisfying both authentication information according to a first security standard and authentication information according to a second security standard, or a payment mode for performing a payment when satisfying the authentication information according to the second security standard instead of the authentication information according to the first security standard.

In an embodiment, the artificial intelligence unit determines whether the monitored situation information is a normal payment situation or an abnormal payment situation based on the generated payment pattern.

In an embodiment, the artificial intelligence unit executes a first payment mode if it is determined that the monitored situation information is a normal payment situation based on the generated payment pattern, and executes a second payment mode having a higher security standard than the first payment mode if it is determined that the monitored situation information is an abnormal payment situation based on the generated payment pattern.

In an embodiment, the history information regarding the payment includes at least one of payment location information, payment amount information, payment time information, payment item information, payment card information, and control signals related to a payment.

In an embodiment, the situation information includes at least one of location information, time information, mobile terminal usage pattern information, touch pressure information, touch area information, sound information, and fingerprint information.

In an embodiment, the plurality of payment modes include a reference mode set to be executed by default, and the artificial intelligence unit executes the reference mode in response to the generation of the payment event, and determines switching to a mode other than the reference mode among the plurality of payment modes according to the comparison result.

In an embodiment, the present invention further includes a memory configured to store schedule information of a user, and the monitored situation information includes location information on a payment to be executed, and the artificial intelligence unit determines that it is in an abnormal payment situation when a location where the payment to be executed is different from a location included in the schedule information, and based on a determination result, determines a payment mode to be executed according to the payment event among the plurality of payment modes.

In an embodiment, the present invention further includes a microphone formed to detect sound information in a background, and the artificial intelligence unit monitors the situation information based on the sound information.

In an embodiment, the present invention further includes a main body, and a grip sensor configured to detect a shape of a hand gripping the main body, and the artificial intelligence unit monitors the situation information based on the shape of the hand.

In an embodiment, the present invention further includes a display unit where a touch input is available, and the artificial intelligence unit monitors the situation information based on signals received from the display unit, and determines a payment mode to be executed according to the payment event occurrence among the plurality of payment modes based on the monitored situation information.

In an embodiment, when the payment amount included in the payment event is larger than the reference amount included in the learned payment pattern, the artificial intelligence unit executes a payment mode having a higher security level among the plurality of payment modes.

In an embodiment, the present invention further includes a display unit where a touch input is available, and the artificial intelligence unit monitors situation information based on a touch attribute of a touch input applied to the display unit at the time of occurrence of the payment event, and when the touch attribute of the touch input included in the monitored situation information is different from the touch attribute of the touch input included in the payment pattern, executes a payment mode having a higher security level among the plurality of payment modes.

In an embodiment, the artificial intelligence unit transmits notification information indicating that an abnormal payment is being performed to a predetermined external terminal when it is determined that the monitored situation information is an abnormal situation based on the comparison result.

In an embodiment, when a payment is approved according to the payment event in a state that the paid learning information and the monitored situation information are different from each other, the artificial intelligence unit may approve the payment in a state that it is possible to cancel the payment approval for a predetermined time.

In an embodiment, the artificial intelligence unit monitors the situation information after the payment approval, and cancels the approved payment based on the monitored situation information.

In another embodiment of the present invention, a control method a mobile terminal includes generating a payment pattern by learning history information regarding a payment performed on the mobile terminal, monitoring situation information regarding the payment, comparing the generated payment pattern with the monitored situation information in response to an occurrence of a payment event, and determining a payment mode to be executed in response to the payment event among a plurality of payment modes having different security standards required during a payment performance based on a comparison result.

In an embodiment, the plurality of payment modes include a first payment mode capable of performing a payment based on authentication information according to a first security standard, and a second payment mode capable of performing a payment based on authentication information according to a second security standard higher than the first security standard.

In an embodiment, the comparing operation determines whether the monitored situation information is a normal payment situation or an abnormal payment situation based on the generated payment pattern.

