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WO2017195931A1 - Carte à puce et son procédé de commande - Google Patents

Carte à puce et son procédé de commande Download PDF

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Publication number
WO2017195931A1
WO2017195931A1 PCT/KR2016/007249 KR2016007249W WO2017195931A1 WO 2017195931 A1 WO2017195931 A1 WO 2017195931A1 KR 2016007249 W KR2016007249 W KR 2016007249W WO 2017195931 A1 WO2017195931 A1 WO 2017195931A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
payment means
smart card
complex
specific situation
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/KR2016/007249
Other languages
English (en)
Korean (ko)
Inventor
임상현
조태훈
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
LG Electronics Inc
Original Assignee
LG Electronics Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by LG Electronics Inc filed Critical LG Electronics Inc
Publication of WO2017195931A1 publication Critical patent/WO2017195931A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/356—Aspects of software for card payments
    • G06Q20/3563—Software being resident on card

Definitions

  • the present invention relates to a smart card in which information on a plurality of payment means is stored and a control method of the smart card.
  • a smart card is an electronic card having a microprocessor chip, memory, security algorithms, and a microcomputer in a plastic card about the same thickness as a general credit card, and storing and processing information in the card. Is a possible CPU intelligent card.
  • the smart card may further include a display unit for displaying image information or a key input unit for receiving a key from a user, as necessary.
  • the smart card includes a microprocessor such as a semiconductor chip and a CPU equipped with a memory device, not only can perform functions that require separate information storage, but also provides various additional functions using the CPU of the smart card. Can be done.
  • the smart card may further include a function related to a traffic card or an affiliate service.
  • the smart card may provide a higher security function due to the onboard CPU and memory with improved storage capacity.
  • a memory for storing payment details by a smart card; And complex payment means for enabling sequential payment by the plurality of payment means at one time, based on the fact that the sequential payment by the plurality of payment means is repeated more than a preset number of times in a specific situation based on the payment details. And a controller configured to set the smart card in a state in which payment by the multiple payment means is possible based on the detection of the specific situation again.
  • the specific situation may be defined by at least one of a payment location, a payment time, and a payment amount.
  • the plurality of payment means is calculated based on the fact that the sequential payment by the plurality of payment means is repeated more than a predetermined number of times at a specific place based on the payment history.
  • the controller may output time information corresponding to the complex payment means to the display unit.
  • the controller may output the payment details by the composite payment means to the display unit based on the completion of the payment by the composite payment means.
  • control unit generates a plurality of combined payment means corresponding to the specific situation based on the payment history, and based on the detection of the specific situation again to each of the plurality of complex payment means.
  • a plurality of corresponding visual information may be output to the display unit.
  • control unit is configured to set the smart card in a state in which payment by the selected composite payment means is possible based on a user input for selecting one of the plurality of composite payment means applied to an input unit. Can be.
  • the controller may be configured to make a payment by the composite payment means according to the selected payment method based on a user input for selecting a payment method by the composite payment means applied to an input unit.
  • the smart card can be set.
  • control unit outputs a message to the display unit asking whether to use the composite payment means, based on the detection of the specific situation again, and the user input for selecting whether to use the composite payment means. On the basis of being applied to the input unit, it is possible to determine whether to set the smart card in a state in which payment by the multiple payment means is possible.
  • the controller may be configured to delete the compound payment means and output a deletion notification message to the display unit, based on the fact that the payment to the compound payment means is not made more than a preset number of times in the specific situation. Can be.
  • control unit outputs a message to the display unit asking whether to delete the composite payment means, based on the fact that the payment to the composite payment means is not made more than a predetermined number of times in the specific situation.
  • the method of determining whether to delete the composite payment means may be determined based on a user input applied to the input unit.
  • control unit may delete the complex payment means based on a user input for deleting the complex payment means applied to an input unit.
  • control unit generates a complex payment means for enabling sequential payment by the selected plurality of payment means at once based on a user input for selecting a plurality of payment means applied to the input unit.
  • the smart card may be set in a state in which payment by the complex payment means is possible.
  • control unit based on the time information calculated by the Real Time Clock (RTC) module, the predetermined situation or the sequential payment by a plurality of payment means in the specific situation more than a predetermined number of times; Iteration can be calculated.
  • RTC Real Time Clock
  • the smart card based on the (a) the payment history by the smart card, based on the calculation that the sequential payment by a plurality of payment means is repeated more than a predetermined number of times in a specific situation, Generating a composite payment means for enabling sequential payment by the payment means at one time; And (b) setting the smart card in a state in which payment by the multiple payment means is possible based on the detection of the specific situation again.
  • the specific situation may be defined by at least one of a payment location, a payment time, and a payment amount.
  • the step (a) may be performed based on the fact that the sequential payment by a plurality of payment means is repeated more than a predetermined number of times at a specific place based on the payment history. And generating a complex payment means for enabling sequential payment by the payment means at one time.
  • the step (b) may include: re-locating the location at the specific place at the specific time; And setting the smart card in a state in which payment by a complex payment means is possible.
  • the step (b) may include outputting visual information corresponding to the complex payment means to the display unit when the specific situation is detected again.
  • the step (b) may include outputting, on the display unit, the payment details by the multiple payment means based on the completion of the payment by the multiple payment means.
  • the step (a) may generate a plurality of complex payment means corresponding to the specific situation based on the payment details, and based on the specific situation being detected again, the plurality of multiple payments. And outputting a plurality of visual information corresponding to each of the means to the display unit.
  • the step (b) is based on the user input for selecting one of the plurality of multiple payment means is applied to the input unit, the smart payment in the state capable of payment by the selected composite payment means Setting a card; may include.
  • the step (a) is based on the time information calculated by the Real Time Clock (RTC) module, the sequential payment by a plurality of payment means in the specific situation or the specific situation is pre-set. Calculating a repetition of the predetermined number of times or more.
  • RTC Real Time Clock
  • the complex payment means is automatically generated based on whether the situation can be eliminated the user has to set manually.
  • FIG. 1A is a block diagram illustrating a smart card related to the present invention.
  • FIGS. 1B and 1C are conceptual views of one example of a smart card according to the present invention, viewed from different directions.
  • FIG. 1d is a block diagram for explaining the operation of the Real Time Clock (RTC) module included in the smart card according to the present invention for the situation.
  • RTC Real Time Clock
  • FIG. 2 is a flowchart illustrating a control method of a smart card according to the present invention.
  • FIG. 3 is a conceptual diagram illustrating an embodiment in which sequential payment is performed by a plurality of payment means in a specific situation.
  • FIG. 4 is a conceptual view illustrating an embodiment in which a composite payment means corresponding to a specific situation is recommended.
  • FIG. 5 is a conceptual diagram illustrating an embodiment in which a plurality of complex payment means corresponding to a specific situation is recommended.
  • FIG. 6 is a conceptual diagram illustrating an embodiment in which a payment method of a composite payment means is selected.
  • FIG. 7 is a conceptual view illustrating an embodiment in which use of the complex payment means is selected.
  • FIG. 8 is a conceptual view illustrating an embodiment in which the deletion notification message of the multiple payment means is output.
  • FIG. 9 is a conceptual diagram illustrating an embodiment in which a message asking whether to delete a composite payment means is output.
  • FIG. 10 is a conceptual diagram illustrating an embodiment in which the complex payment means is directly deleted by a user input.
  • 11 and 12 are conceptual views illustrating an embodiment in which the complex payment means is directly generated by a user input.
  • Figure 1 is a block diagram for explaining the smart card 100 related to the present invention.
  • the smart card 100 includes a communication unit 110, an input unit 120, a sensing unit 140, a display unit 150, an interface unit 160, a memory 170, a controller 180, a power supply unit 190, and the like. It may include.
  • the components shown in FIG. 1 are not essential to implementing the smart card 100, and the smart card 100 described herein may have more or fewer components than those listed above. .
  • the communication unit 110 is a wireless communication between the smart card 100 and the wireless communication system, between the smart card 100 and another mobile terminal, or between the smart card 100 and the external server. It may include one or more modules that enable communication. In addition, the communication unit 110 may include one or more modules for connecting the smart card 100 to one or more networks.
  • the communication unit 110 may include at least one of the wireless Internet module 113, the short range communication module 114, and the location information module 115.
  • the input unit 120 may include at least one key (eg, a touch key, a mechanical key, etc.) for receiving information from a user.
  • a key e.g, a touch key, a mechanical key, etc.
  • the sensing unit 140 may include one or more sensors for sensing at least one of information in the smart card 100, surrounding environment information surrounding the smart card 100, and user information.
  • the sensing unit 140 may include a fingerprint scan sensor, a battery gauge, and the like.
  • the smart card 100 disclosed herein may utilize a combination of information sensed by at least two or more of these sensors.
  • the display unit 150 is for outputting image information and may include a display unit.
  • the display unit 150 forms a layer structure with or is integrally formed with the touch sensor, thereby implementing a touch screen.
  • the touch screen may function as an input unit 120 that provides an input interface between the smart card 100 and the user, and at the same time, may provide an output interface between the smart card 100 and the user.
  • the interface unit 160 serves as a path to various types of external devices connected to the smart card 100.
  • the interface unit 160 may be implemented in the form of an accessory device that can be wirelessly connected to the smart card 100.
  • the smart card 100 may be connected to an external device such as a smart phone, a PC, or a personal digital assistant (PDA) through the interface unit 160 implemented as the accessory device.
  • PDA personal digital assistant
  • the memory 170 stores data supporting various functions of the smart card 100.
  • the memory 170 may store a plurality of application programs or applications driven by the smart card 100, data for operating the smart card 100, and instructions. At least some of these applications may be downloaded from an external server via wireless communication. In addition, at least some of these application programs may exist on the smart card 100 from the time of shipment for basic functions (eg, payment function, transportation card function, etc.) of the smart card 100.
  • the application program may be stored in the memory 170 and installed on the smart card 100 to be driven by the controller 180 to perform an operation (or function) of the smart card 100.
  • the controller 180 In addition to the operation related to the application program, the controller 180 typically controls the overall operation of the smart card 100.
  • the controller 180 may provide or process information or a function appropriate to a user by processing signals, data, information, and the like, which are input or output through the above-described components, or by driving an application program stored in the memory 170.
  • controller 180 may control at least some of the components described with reference to FIG. 1A in order to drive an application program stored in the memory 170. In addition, the controller 180 may operate by combining at least two or more of the components included in the smart card 100 to drive the application program.
  • the power supply unit 190 receives power from the outside through the interface unit 160 or wireless charging and power therein under the control of the controller 180 to supply power to each component included in the smart card 100. To supply.
  • the power supply unit 190 includes a battery, which may be a built-in battery or a replaceable battery.
  • At least some of the components may operate in cooperation with each other to implement the operation, control, or control method of the smart card 100 according to various embodiments described below.
  • the operation, control, or control method of the smart card 100 may be implemented on a mobile terminal by driving at least one application program stored in the memory 170.
  • the wireless internet module 113 of the communication unit 110 refers to a module for wireless internet access, and may be embedded or external to the smart card 100.
  • the wireless internet module 113 is configured to transmit and receive wireless signals in a communication network according to wireless internet technologies.
  • wireless Internet technologies include Wireless LAN (WLAN), Wireless-Fidelity (Wi-Fi), Wireless Fidelity (Wi-Fi) Direct, Digital Living Network Alliance (DLNA), Wireless Broadband (WiBro), and WiMAX (World).
  • the short range communication module 114 is for short range communication, and includes Bluetooth TM, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, and NFC. (Near Field Communication), at least one of Wi-Fi (Wireless-Fidelity), Wi-Fi Direct, Wireless USB (Wireless Universal Serial Bus) technology can be used to support short-range communication.
  • the short-range communication module 114 may be configured between the smart card 100 and the wireless communication system, between the smart card 100 and another mobile terminal or PC, or the smart card 100 through a wireless area network. And wireless communication between a network in which other mobile terminals (or external servers) are located.
  • the short range wireless communication network may be short range wireless personal area networks.
  • another mobile terminal is a wearable device capable of exchanging data (or interworking) with the smart card 100 according to the present invention, for example, a smart watch, a smart glass ( smart glass, head mounted display (HMD).
  • the short range communication module 114 may sense (or recognize) a wearable device that can communicate with the smart card 100, around the smart card 100.
  • the controller 180 may include at least a portion of data processed by the smart card 100 in the short range communication module ( The transmission may be transmitted to the wearable device through 114. Therefore, the user of the wearable device may check the data processed by the smart card 100 through the wearable device. For example, when the payment is made through the smart card 100, the payment amount and the information about the credit card used for the payment may be confirmed through the wearable device.
  • the location information module 115 is a module for acquiring the location (or current location) of the smart card 100.
  • Examples of the location information module 115 include a global positioning system (GPS) module or a wireless fidelity (WiFi) module.
  • GPS global positioning system
  • WiFi wireless fidelity
  • the smart card 100 may acquire the location of the smart card 100 using a signal transmitted from a GPS satellite.
  • the location of the smart card 100 is based on the Wi-Fi module and information of a wireless access point (AP) transmitting or receiving a wireless signal. Can be obtained.
  • AP wireless access point
  • the location information module 115 may perform at least one function of other modules of the communication unit 110 to substitute or additionally obtain data regarding the location of the smart card 100.
  • the location information module 115 may be a module that obtains information related to a current location from another currently connected external device. That is, the location information module 115 is a module used to obtain the location (or current location) of the smart card 100, and is not limited to a module that directly calculates or obtains the location of the smart card 100. .
  • the input unit 120 is for inputting information input from a user.
  • the controller 180 controls the operation of the smart card 100 to correspond to the input information. can do.
  • the input unit 120 may be a mechanical input unit (or a mechanical key, for example, a button, a dome switch, a jog wheel, or a jog located at the front, rear, or side of the smart card 100). Switch, etc.) and touch input means.
  • the touch input means may include a virtual key, a soft key, or a visual key displayed on the touch screen through a software process, or a portion other than the touch screen. It may be made of a touch key disposed in the.
  • the virtual key or the visual key may be displayed on the touch screen while having various forms, for example, graphic, text, icon, video, or the like. It can be made of a combination of.
  • the touch screen may be formed by combining the display unit 150 and the touch sensor.
  • the touch sensor may be configured to convert a change in pressure applied to a specific portion of the touch screen or capacitance generated at the specific portion into an electrical input signal.
  • the touch sensor may be configured to detect a position, an area, a pressure at the touch, a capacitance at the touch, and the like, when the touch object applying the touch on the touch screen is touched on the touch sensor.
  • the touch object is an object applying a touch to the touch sensor and may be, for example, a finger, a touch pen or a stylus pen, a pointer, or the like.
  • the touch controller processes the signal (s) and then transmits the corresponding data to the controller 180.
  • the controller 180 can know which area of the display unit 150 has been touched.
  • the touch controller may be a separate component from the controller 180 or may be the controller 180 itself.
  • the controller 180 may perform different control according to the type of the touch object (for example, different fingers of the user), which touches the touch screen (or a touch key provided in addition to the touch screen), or perform the same control. Can be done.
  • the touch sensor and the proximity sensor described above may be independently or combined, and may be a short (or tap) touch, a long touch, a multi touch, a drag touch on a touch screen. ), Flick touch, pinch-in touch, pinch-out touch, swipe touch, hovering touch, etc. A touch can be sensed.
  • the display unit 150 displays (outputs) information processed by the smart card 100.
  • the display unit 150 may display information on the current state of the battery (remaining capacity, temperature, etc.) of the smart card 100, or display information on a credit card selected from a user among a plurality of registered credit cards. It may be.
  • the display unit 150 may display information received from a specific external server corresponding to the selected credit card (for example, the total amount or the remaining amount paid for a predetermined period of time through the currently selected credit card).
  • the interface unit 160 serves as a path to all external devices connected to the smart card 100.
  • the interface unit 160 receives data from an external device, receives power, transfers the power to each component inside the smart card 100, or transmits data inside the smart card 100 to an external device.
  • the interface unit 160 may be implemented in the form of an accessory device that can be connected to the smart card 100 by wireless or wired as described above, an external charger, wired / wireless data port (port) , A memory card port, etc. may be included.
  • the memory 170 may store a program for the operation of the controller 180 and may temporarily store input / output data (for example, information on a plurality of credit cards).
  • the memory 170 may include a solid state disk type (SSD) type, a silicon disk drive type (SDD) type, random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), And at least one of storage media such as an electrically erasable programmable read-only memory (EEPROM) and a programmable read-only memory (PROM).
  • SSD solid state disk type
  • SDD silicon disk drive type
  • RAM random access memory
  • SRAM static random access memory
  • ROM read-only memory
  • storage media such as an electrically erasable programmable read-only memory (EEPROM) and a programmable read-only memory (PROM).
  • EEPROM electrically erasable programmable read-only memory
  • PROM programmable read-only memory
  • the controller 180 controls the operation related to the application program, and generally the overall operation of the smart card 100. For example, if the state of the smart card 100 satisfies a set condition, the controller 180 may execute or release a lock state that restricts input of a user's control command to applications.
  • the controller 180 performs control and processing related to a payment function made using any one of a plurality of pre-stored credit cards, or different functions according to a touch input performed on a touch screen or a time at which the touch is input. Can be performed.
  • the controller 180 may control any one or a plurality of components described above in order to implement various embodiments described below on the smart card 100 according to the present invention.
  • the power supply unit 190 receives an external power source and an internal power source under the control of the controller 180 to supply power for operation of each component.
  • the power supply unit 190 may be provided with a connection port, the connection port may be configured as an example of the interface 160 that is electrically connected to the external charger for supplying power for charging the battery.
  • the power supply unit 190 may be configured to charge the battery in a wireless manner without using the connection port.
  • the power supply unit 190 uses one or more of an inductive coupling based on a magnetic induction phenomenon or a magnetic resonance coupling based on an electromagnetic resonance phenomenon from an external wireless power transmitter. Power can be delivered.
  • various embodiments of the present disclosure may be implemented in a recording medium readable by a computer or a similar device using, for example, software, hardware, or a combination thereof.
  • the disclosed smart card 100 may have a body similar to that of a general credit card. As shown in FIG. 1B, at least a part of the front surface of the smart card 100 may include a display unit 150 that can be formed as a touch screen.
  • the apparatus may further include at least one key 121, 122, 123 for receiving a user input.
  • the at least one keys 121, 122, and 123 may be displayed in the form of a soft key displayed through the display unit 150.
  • the smart card 100 according to an embodiment of the present invention may be implemented in a form similar to a conventional credit card.
  • the thickness may also have a thickness substantially similar to that of a conventional credit card. Accordingly, the user may possess the smart card 100 according to the embodiment of the present invention as if having a normal credit card, and in a similar manner to a method of paying through a conventional credit card, according to an embodiment of the present invention. Payment may be made using the smart card 100 according to the present invention.
  • the controller 180 of the smart card 100 may include: When a contact is made to the POS terminal, a payment request may be received from the POS terminal. In response to the received payment request, payment may be made by transmitting information on a specific credit card set by the user to the POS terminal using an NFC or Bluetooth module provided in the communication unit 110.
  • the smart card 100 when a credit card is inserted into the terminal to perform a specific function, such as an ATM terminal of a bank, the smart card 100 according to an embodiment of the present invention is implemented in a form similar to a general credit card as described above. Can be inserted into the inlet of In addition, by using the chip and magnetic tape 195 implemented in the same position as a conventional credit card as shown in Figures 1b and 1c to allow the smart card 100 to be recognized in the pre-stored terminal Can be used in the same way as a credit card.
  • the magnetic tape 195 included in the smart card 100 according to the embodiment of the present invention may include identification information about the smart card 100.
  • the terminal may include a smart card ( 100 and by receiving the information on the specific credit card from the control unit 180 of the smart card 100, the function for the specific credit card may be performed.
  • the terminal may also use the smart card 100 according to an embodiment of the present invention, like a normal credit card. That is, the credit card currently read through the reading of the magnetic tape 195 in the POS terminal is the smart card 100 according to the embodiment of the present invention, and thus from the user from the controller 180 of the smart card 100. It may also be done through a series of processes for receiving information about the particular credit card selected.
  • control unit 180 based on the time information calculated by the Real Time Clock (RTC) module, it is determined that the sequential payment by a plurality of payment means in the specific situation or the specific situation is repeated more than a predetermined number of times. Can be calculated.
  • RTC Real Time Clock
  • FIG. 1d is a block diagram for explaining the operation of the Real Time Clock (RTC) module included in the smart card according to the present invention for the situation.
  • RTC Real Time Clock
  • the smart card 100 may include a Real Time Clock (RTC) module capable of checking the passage of time.
  • RTC Real Time Clock
  • the RTC module may transmit time information to the microcontroller unit and the IC chip.
  • the MCU may transmit a payment request to the MS applet in the IC chip. Accordingly, real time can be delivered to the OTP applet through the RTC processing module in the MS applet.
  • the one-time token may be generated in the MS applet based on the OTP key value of the OTP applet.
  • the token generated in this way can be mapped to MS Track in the magnetic emulator through the MCU.
  • payment can be made with a disposable token number.
  • the card company receives payment tokens (1, 2, 3) of the card. Receiving the value of the payment token (1, 2, 3) and OTP information is combined with the track information for payment.
  • the MCU may switch the power of the smart card 100 to the OFF state.
  • the counted time information is received from the RTC module.
  • the MS payment and automatic OFF after payment may be implemented by the operation of the RTC module.
  • the RTC module may calculate the number of times the payment is repeated in the same time zone as the payment time.
  • FIG. 2 is a flowchart illustrating a control method of a smart card according to the present invention.
  • step S210 a composite payment means for enabling the payment can be made at once.
  • step S220 of setting the smart card in a state in which payment by the complex payment means is possible is performed.
  • the specific situation may be defined by at least one of a payment location, a payment time, and a payment amount.
  • step S210 based on the payment history it is calculated that the sequential payment by a plurality of payment means is repeated a predetermined number of times at a specific place at a specific time period, the plurality of payment means Generating a complex payment means for enabling sequential payment by at a time, wherein step S220 is based on the re-detection of being located at the specific place at the specific time; It may include the step of setting the smart card 100 in a possible state.
  • the step S220 may include outputting visual information corresponding to the complex payment means to the display unit 150 when the specific situation is detected again.
  • the step S220 may include outputting the payment details by the complex payment means to the display unit 150 based on the completion of the payment by the complex payment means.
  • the step S210 based on the payment history generates a plurality of complex payment means corresponding to the specific situation, and based on the specific situation is detected again to each of the plurality of complex payment means And outputting the plurality of visual information corresponding to the display unit 150.
  • step S220 based on the user input for selecting one of the plurality of multiple payment means is applied to the input unit 120, the smart payment in the state capable of payment by the selected composite payment means Setting up the card 100.
  • the step S210 is based on the time information calculated by the Real Time Clock (RTC) module, the predetermined situation or the predetermined number of times of the sequential payment by a plurality of payment means in the specific situation more than a predetermined number And calculating repeating.
  • RTC Real Time Clock
  • the memory 170 is. Payment details by the smart card 100 may be stored.
  • the controller 180 performs sequential payment by the plurality of payment means based on the calculation that the sequential payment by the plurality of payment means is repeated more than a preset number of times in a specific situation based on the payment details.
  • the smart card 100 may be set in a state where payment by the multiple payment means is possible based on the generation of a composite payment means that enables at one time and the specific situation is detected again.
  • the specific situation may be defined by at least one of a payment location, a payment time, and a payment amount.
  • the controller 180 is based on the payment history, based on the calculation that the sequential payment by a plurality of payment means is repeated more than a predetermined number of times at a specific place at a specific time zone, the plurality of Create a composite payment means for enabling sequential payment by the payment means at a time, and the smart payment in a state in which the payment by the composite payment means is possible based on being detected again at the specific place in the specific time zone
  • the card 100 can be set.
  • the controller 180 may output visual information corresponding to the complex payment means to the display unit 150.
  • the controller 180 may output the payment details by the composite payment means to the display unit 150 based on the completion of the payment by the composite payment means.
  • the controller 180 generates a plurality of complex payment means corresponding to the specific situation based on the payment history, and based on the specific situation being detected again, the plurality of complex payments.
  • a plurality of time information corresponding to each of the means can be output to the display unit 150.
  • the controller 180 may be settled by the selected composite payment means based on a user input for selecting one of the plurality of composite payment means applied to the input unit 120.
  • the smart card 100 can be set.
  • control unit 180 is based on the user input for selecting the payment method by the complex payment means is applied to the input unit 120, according to the selected payment method to the complex payment means
  • the smart card 100 may be set in a state in which payment is possible.
  • the controller 180 outputs a message to the display unit 150 asking whether the complex payment means is used based on the detection of the specific situation again, and whether the complex payment means is used. Based on the user input for selecting the input to the input unit 120, it is possible to determine whether to set the smart card 100 in a state capable of payment by the composite payment means.
  • the controller 180 deletes the complex payment means and displays a deletion notification message on the basis of the fact that the payment to the complex payment means is not made more than a preset number of times in the specific situation. It can output to 150.
  • the controller 180 may display a message asking whether to delete the composite payment means based on the fact that payment to the composite payment means is not made more than a predetermined number of times in the specific situation.
  • the user may determine whether to delete the composite payment means based on a user input outputted to 150 and a user input for selecting whether to delete the composite payment means is applied to the input unit 120.
  • the controller 180 may delete the complex payment means based on a user input for deleting the complex payment means applied to the input unit 120.
  • the controller 180 may perform sequential payment by the selected plurality of payment means at one time, based on a user input for selecting a plurality of payment means applied to the input unit 120.
  • the smart card 100 can be set in a state in which a payment can be made by the compound payment means.
  • the controller 180 may set a sequential payment by a plurality of payment means in the specific situation or the specific situation based on the time information calculated by the Real Time Clock (RTC) module. It can be calculated that the number of times repeated.
  • RTC Real Time Clock
  • the payment details may include a place, date, time, amount of payment, contents of a purchased product or service, and a payment method used for payment.
  • specific situations may be defined by such payment details. Specific embodiments related to this will be described later.
  • the payment means means a means that enables the transaction of goods or services, etc., may include various forms.
  • the payment method may include various types of cryptocurrencies such as credit cards, check cards, bit coins or cyber money.
  • the earning card may be a card that simply earns points, or may be a card that is deducted by the amount used for payment points.
  • such payment means may be registered (stored) in advance in the smart card, or may be registered (set) by the user.
  • the user may register the first credit card and the first credit card by the mobile terminal. Accordingly, when purchasing goods or services, in order to pay with the first credit card and accumulate points on the first credit card, it is necessary to scan the barcodes of the first credit card and the first credit card, respectively.
  • the complex payment means may be defined as a payment means that enables a procedure that requires multiple payments by a plurality of such payment means at once. That is, even if the barcodes of the first credit card and the first credit card corresponding to the first credit card are scanned only once, payment may be made to the first credit card and points may be accumulated on the first credit card.
  • the first credit card and the first credit card One first composite payment means corresponding to may be generated. As a result, even if the barcode of the first composite payment means is scanned only once, the first credit card can be settled and points can be accumulated on the first credit card.
  • the smart card when a specific situation where the 'smart card (user) is located in the coffee shop during the morning time' is detected, the smart card may be set (set) in a state in which payment by the first payment method is possible. .
  • the first composite payment means can be made. That is, even without a separate setting process, the first credit card can be settled and points can be accumulated in the first credit card.
  • the memory 170 may store payment details by the smart card 100.
  • the controller 180 performs sequential payment by the plurality of payment means based on the calculation that the sequential payment by the plurality of payment means is repeated more than a preset number of times in a specific situation based on the payment details.
  • the smart card 100 may be set in a state where payment by the multiple payment means is possible based on the generation of a composite payment means that enables at one time and the specific situation is detected again.
  • the specific situation may be defined by at least one of a payment location, a payment time, and a payment amount.
  • the controller 180 is based on the payment history based on the calculation that the sequential payment by a plurality of payment means is repeated more than a predetermined number of times in a specific place at a specific time period, to the plurality of payment means
  • the smart card 100 generates a composite payment means for enabling sequential payments at once, and enables payment by the composite payment means based on being detected again at the specific place at the specific time. Can be set.
  • FIG. 3 is a conceptual diagram illustrating an embodiment in which sequential payment is performed by a plurality of payment means in a specific situation.
  • a user may make a payment with a first credit card at a specific place at a specific time.
  • the user may pay with the first credit card at the coffee shop between 8:00 am and 9:00 am.
  • a first credit card may be selected from a plurality of payment means registered in the smart card 100.
  • an input for selecting a first credit card may be applied to the touchable display unit 150 or the input units 121, 122, 123.
  • the payment can be made using the smart card 100 in a similar manner to the payment through a conventional credit card.
  • the controller 180 of the smart card 100 for a tap-type payment in which a payment is made in contact with a specific point of a point of sale (POS) terminal.
  • POS point of sale
  • a payment request may be received from the POS terminal.
  • payment may be made by transmitting information on the first credit card set by the user to the POS terminal using an NFC or Bluetooth module provided in the communication unit 110. .
  • a chip and a magnetic tape 195 implemented at the same location as a conventional credit card may be used, such as when a credit card is inserted into a specific terminal and a payment is performed. Accordingly, by allowing the first credit card to be recognized in the specific terminal, it can be used in the same manner as a conventional credit card.
  • the magnetic tape 195 when the magnetic tape 195 includes identification information about the first credit card, the magnetic tape 195 may be used in a POS terminal that reads the magnetic tape 195 of the credit card in the same manner as a normal credit card.
  • information 310 such as an expiration date and a payment bank, may be output to the display unit 150 as information related to the selected payment means (first credit card), payment amount, and first credit card.
  • a first credit card may be selected from a plurality of payment means registered in the smart card 100.
  • an input for selecting a first credit card may be applied to the touchable display unit 150 or the input units 121, 122, 123.
  • the earning may be made by using the smart card 100 in a manner similar to the method of earning points through a conventional point earning card.
  • points may be accumulated in a manner of contacting a specific point of the POS terminal, a method of reading the magnetic tape 195 with the POS terminal, a method of recognizing a chip, and the like.
  • points may be accumulated by scanning information of the QR code or barcode 320 of the first credit card output on the display unit 150.
  • the display unit 150 displays information 320 such as the expiration date, available points, earned points, used points, etc. of the selected earning means, name (first earned card), accumulated amount, and information related to the first earned card. Can be output.
  • the sequential payment (payment history) described in FIG. 3 may be repeatedly generated more than a predetermined number of times.
  • the user pays with a first credit card at a coffee shop (specific place) between 8:00 am and 9:00 am (specific time zone), and earns points on the first credit card. Can be.
  • the user pays an amount of 30,000 won or less (specific price) at a coffee shop (specific place) between 8:00 am and 9:00 am (specific time zone) with the first credit card, and the first credit card
  • the payment history for earning points can be repeated three or more times.
  • the payment history of the user paying with a first credit card at a coffee shop (specific place) between 8 am and 9 am (specific time zone) and earning points on the first credit card is within one week ( May be repeated three or more times within a certain period of time.
  • the controller 180 based on the fact that the sequential payment by the plurality of payment means is repeated more than a predetermined number of times in a specific situation, the controller 180 enables the sequential payment by the plurality of payment means at once.
  • the means can be created.
  • the first composite payment means corresponding to the first credit card and the first credit card may be generated.
  • the first complex payment means may be referred to as a complex payment means corresponding to the specific situation.
  • the controller 180 may set the smart card 100 in a state in which payment by the complex payment means is possible based on the detection of the specific situation again.
  • the controller 180 may output visual information corresponding to the complex payment means to the display unit 150.
  • controller 180 may output the payment history by the complex payment means to the display unit 150 based on the completion of the payment by the complex payment means.
  • a real time clock (RTC) module may be included in the smart card 100 to check the passage of time.
  • RTC real time clock
  • the RTC module it is possible to detect whether payment by the first credit card and accumulation by the first credit card are made in a specific time zone (morning time zone).
  • the RTC module may detect whether payment by the first credit card and accumulation by the first credit card are made three or more times within a specific period (in one week) in a specific situation.
  • the short-range communication module 114 in the smart card 100 may receive beacon information in the store (coffee shop). At this time, the short-range communication module 114, for short range communication (Bluetooth TM), Radio Frequency Identification (RFID), Near Field Communication (NFC), Wireless-Fidelity (Wi-Fi), Wi- Fi Direct etc. can be used.
  • Bluetooth TM Radio Frequency Identification
  • NFC Near Field Communication
  • Wi-Fi Wireless-Fidelity
  • Wi-Fi Wi-Fi Direct
  • the location information module 115 in the smart card 100 may obtain the location (or current location) of the smart card 100.
  • Representative examples include a Global Positioning System (GPS) module or a Wireless Fidelity (Wi-Fi) module.
  • GPS Global Positioning System
  • Wi-Fi Wireless Fidelity
  • the smart card 100 may acquire the location of the smart card 100 using a signal transmitted from a GPS satellite.
  • the location of the smart card 100 is based on the Wi-Fi module and information of a wireless access point (AP) transmitting or receiving a wireless signal. Can be obtained.
  • AP wireless access point
  • the location information module 115 may perform at least one function of other modules of the communication unit 110 to substitute or additionally obtain data regarding the location of the smart card 100.
  • the location information module 115 may be a module that obtains information related to a current location from another currently connected external device.
  • the location information module 115 is a module used to obtain the location (or current location) of the smart card 100, and is not limited to a module that directly calculates or obtains the location of the smart card 100. .
  • the smart card 100 may be set in a state in which payment by the complex payment means generated in response to the specific situation is possible.
  • FIG. 4 is a conceptual view illustrating an embodiment in which a composite payment means corresponding to a specific situation is recommended.
  • the visual information 410 corresponding to the first complex payment means is displayed on the display unit 150.
  • the name and barcode 410 of the first composite payment means may be output to the display unit 150.
  • payment by the first composite payment means may be performed. That is, the payment by the first credit card and the point accumulation by the first credit card may be performed at a time by scanning the barcode 410 of the first combined payment means.
  • payment may be made in the same manner as a conventional credit card, such as payment through a POS terminal, payment through an IC chip, NFC, or the like.
  • the payment completion message 420 may be output to the display unit 150.
  • the payment card, credit card, date, payment amount, earning points, etc. (420) may be output to the display unit 150.
  • the controller 180 generates a plurality of complex payment means corresponding to the specific situation based on the payment history, and corresponds to each of the plurality of complex payment means based on the detection of the specific situation again.
  • a plurality of time information may be output to the display unit 150.
  • control unit 180 based on the user input for selecting one of the plurality of multiple payment means is applied to the input unit 120, the smart card ( 100) can be set.
  • FIG. 5 is a conceptual diagram illustrating an embodiment in which a plurality of complex payment means corresponding to a specific situation is recommended.
  • a purchase situation (specific situation) is repeated five or more times (or more than a predetermined number of times) at a mart in the morning, a plurality of complex payment means corresponding to the specific situation may be generated.
  • the payment method may be generated and recommended according to the order that was frequently used in the mart in the morning time zone.
  • a plurality of complex payment means corresponding to the specific situation, the first complex payment means corresponding to the A payment card and the A credit card most frequently used in the mart, and then the B payment card and a credit frequently used A second combined payment means corresponding to the card, and a third combined payment means corresponding to the B payment card and the b credit card, which are rarely used, can be generated.
  • the most frequently used first payment means may be preferentially recommended.
  • information 510 about the A payment card and the A credit card included in the first composite payment means may be output to the display unit 150.
  • the name, expiration date, payment bank, etc. may be output as the information about the payment card A, the name, the period during which points can be used, the points accumulated, the points available, etc. This may be output to the display unit 150.
  • a touch input may be directly applied to the payment icon 500, or a push input may be applied to the input units 121, 122. 123 to select payment to the first composite payment means. Accordingly, payment with A payment card and point accumulation with a credit card can be made at one time.
  • the second frequently used second payment means may be recommended.
  • information 520 and the like about the B payment card and the a credit card included in the second combined payment means may be output to the display unit 150.
  • the name, expiration date, payment bank, etc. may be output as information on the payment card B, the name, period during which points can be used, points earned, available points, etc. This may be output to the display unit 150.
  • a touch input may be applied to the payment icon 500, or a push input may be applied to the input units 121 and 122. 123 to select payment to the second composite payment means. Accordingly, payment with the B payment card and point accumulation with a reserve card can be made at one time.
  • the third most commonly used payment means may be recommended.
  • the information 530 about the B payment card and the b credit card included in the third combined payment means may be output to the display unit 150.
  • the name, expiration date, payment bank, etc. may be output as the information on the payment card B, the name, the period of time that the points can be used, the accumulated points, available points, etc. This may be output to the display unit 150.
  • a touch input may be applied to the payment icon 500, or a push input may be applied to the input units 121, 122. 123 to select payment to the third composite payment means. Accordingly, payment with the B payment card and point accumulation with the b credit card can be made at one time.
  • the first composite payment means which has been recommended first may be recommended again.
  • the smart card 100 may be automatically turned off if the complex payment means is not selected within 3 minutes. Then, when the power is turned on again, the first composite payment means having priority may be recommended.
  • the complex payment means may be sequentially output according to the use frequency.
  • a composite payment means having a large discount or a high accumulated benefit may be preferentially purchased.
  • a complex payment means including a C payment card and a c credit card, which have the greatest discount upon payment at a mart, may be preferentially recommended.
  • a complex payment means including a card that can be credited with a payment card may be recommended.
  • control unit 180 based on the user input for selecting the payment method by the complex payment means is applied to the input unit 120, a state in which payment by the compound payment means in accordance with the selected payment method is possible.
  • the smart card 100 can be set.
  • FIG. 6 is a conceptual diagram illustrating an embodiment in which a payment method of a composite payment means is selected.
  • information 610 about the first combined payment means including the A payment card and the A credit card is output to the display unit 150. Can be.
  • the name, expiration date, payment bank, etc. may be output as the information about the payment card A, the name, the period during which points can be used, the points accumulated, the points available, etc. This may be output to the display unit 150.
  • a touch input may be directly applied to the payment approval icon 620, or a push input may be applied to the input units 121 and 122. 123 to select payment to the first composite payment means.
  • a menu 630 for selecting a payment method to the first composite payment means may be output.
  • one of the magnetic method 195 or a payment method using a barcode may be selected.
  • a guide message 660 indicating a name of the first complex payment means and a payment using the POS terminal may be output. Accordingly, even if the smart card 100 is scratched once on the POS terminal, the payment may be made with the A payment card through the reading of the magnetic tape 195 and at the same time, the points may be accumulated on the A credit card.
  • the payment can be made with the A payment card through contact with the chip and the magnetic tape 195 and at the same time, a point can be accumulated in the a credit card.
  • a touch input may be directly applied to the barcode payment icon 650 or a payment using a barcode may be selected by manipulation of the input units 121, 122.
  • the name and barcode 670 of the first composite payment means may be output. Accordingly, even if the barcode of the first composite payment means is taken only once, the payment can be made with the A payment card and the points can be accumulated on the a credit card.
  • one of the various payment methods described above may be selected. Specifically, one may select one of various methods such as payment using NFC or Bluetooth, payment using IC chip, payment using MST (Magnetic Secure Transmission) technology.
  • the controller 180 outputs a message to the display unit 150 asking whether to use the composite payment means based on the detection of the specific situation again, the user input for selecting whether to use the composite payment means On the basis of being applied to the input unit 120, it is possible to determine whether to set the smart card 100 in a state in which payment by the complex payment means is possible.
  • FIG. 7 is a conceptual view illustrating an embodiment in which use of the complex payment means is selected.
  • the name, expiration date, payment bank, etc. may be output as the information about the payment card A, the name, the period during which points can be used, the points accumulated, the points available, etc. This may be output to the display unit 150.
  • a touch input may be directly applied to the payment approval icon 710 or a push input may be applied to the input units 121 and 122. 123 to select payment to the first composite payment means.
  • a touch input may be directly applied to the cancel payment icon 720 to not select a payment to the first combined payment means.
  • the payment approval icon 710 may be selected. To indicate this, a blinking effect may be output on the payment approval icon 710 or the border of the payment approval icon 710 may be displayed in bold. Alternatively, the payment approval icon 710 may be output in a different color from the payment cancellation icon 720.
  • the cancel payment icon 720 may be selected. Similarly, to indicate this, a blinking effect may be output on the cancel payment icon 720 or the border of the cancel payment icon 720 may be displayed in bold. Alternatively, the payment cancel icon 720 may be output in a different color from the payment approval icon 710.
  • a menu 730 for selecting one of a direct payment or a complex payment method may be output. Thereafter, a direct payment may be applied to the direct payment icon 740 or a push input may be applied to the input units 121 and 122. 123 to select a direct payment method.
  • the direct payment method refers to a method of sequentially performing a plurality of payment means.
  • the first credit card can be read in the POS terminal and a barcode of the first credit card can be taken. That is, by two payment processes, the first credit card can be settled and points can be accumulated on the first credit card.
  • a menu 730 for selecting one of a direct payment or a complex payment method may be output.
  • a specific situation may be set directly by inputting a specific situation. For example, if the specific situation is set to be located in the mart in the morning, but the details paid by the mart do not exist (first payment), a menu 730 for selecting one of direct payment or multiple payment method is displayed. Can be.
  • the controller 180 deletes the complex payment means and outputs a deletion notification message to the display unit 150 on the basis that the payment to the complex payment means is not made more than a preset number of times in the specific situation. You can.
  • FIG. 8 is a conceptual view illustrating an embodiment in which the deletion notification message of the multiple payment means is output.
  • the deletion notification message 810 of the first combined payment means is displayed. It may be output to the display unit 150.
  • a menu 820 for selecting one of a direct payment or a complex payment method may be output. Accordingly, payment may be made to a payment method other than the first composite payment means.
  • the controller 180 outputs a message to the display unit 150 asking whether the complex payment means is deleted, based on the fact that the payment to the complex payment means is not made more than a preset number of times in the specific situation.
  • the user may select whether to delete the composite payment means based on a user input for selecting whether to delete the composite payment means to the input unit 120.
  • FIG. 9 is a conceptual diagram illustrating an embodiment in which a message asking whether to delete a composite payment means is output.
  • the first composite payment means may be deleted by directly applying a touch input to the delete icon 920.
  • the delete icon 920 may be selected at first. To indicate this, a blinking effect may be output to the delete icon 920 or the border of the delete icon 920 may be displayed in bold. Alternatively, the delete icon 920 may be output in a different color from the maintenance icon 930. Subsequently, when a push input is applied to the power input unit 122, the first composite payment means may be deleted.
  • a menu 940 for selecting one of a direct payment or a complex payment method may be output. That is, the payment may proceed to a payment method other than the first composite payment means.
  • the first complex payment means may not be deleted by directly applying a touch input to the maintenance icon 930.
  • the maintenance icon 930 may be selected. Similarly, to indicate this, a blinking effect may be output to the holding icon 930 or the border of the holding icon 930 may be displayed in bold. Alternatively, the maintenance icon 930 may be output in a different color from the deletion icon 920.
  • the push input is applied to the power input unit 122, the first composite payment means may not be deleted.
  • the controller 180 may delete the composite payment means based on the user input to the input unit 120 to delete the composite payment means.
  • the deletion or deletion may be recommended to the user when the composite payment means is not used.
  • the user may directly select and delete the complex payment means.
  • FIG. 10 is a conceptual diagram illustrating an embodiment in which the complex payment means is directly deleted by a user input.
  • a list 1010 of a plurality of complex payment means corresponding to a specific situation may be output.
  • the first composite payment means including A card and a card, the second composite payment means including A card and b card, and the third composite payment means including B card and b card may be output.
  • a push input may be applied to the input units 121, 122, and 123 to delete the complex payment means.
  • the second composite payment means when the push input is applied to the right input unit 123 while the list 1020 of the first composite payment means is selected, the second composite payment means, which is the next list of the first composite payment means list 1020, is selected.
  • List 1030 may be selected.
  • the list of the third composite payment means which is the next list of the second composite payment means list 1030 ( 1040 may be selected.
  • the list 1030 of the second composite payment means which is the previous list of the third composite payment means list 1040, may be selected again.
  • the list 1020 of the first composite payment means that is the previous list of the second composite payment means list 1030 may be selected again.
  • the left input unit 121 and the right input unit 123 may select one of a plurality of multiple payment means list.
  • the list of the selected composite payment means may be displayed in a different color, or a flickering effect, a shadow effect, an edge highlighting effect, or the like may be output.
  • a touch input may be directly applied to one of the plurality of multiple payment means lists 1010.
  • the second composite payment means may be deleted.
  • a message 1050 indicating that the second complex payment means is being deleted may be temporarily output.
  • a message 1050 indicating that the second complex payment means is being deleted may be temporarily output.
  • only the list 1020 of the first composite payment means and the list 1040 of the third composite payment means may be output to the plurality of multiple payment means lists 1010.
  • the second complex payment means may be deleted according to a push input method applied to the power input unit 122 while the list 1030 of the second complex payment means is selected.
  • the second composite payment means may be deleted.
  • the control command in various input methods, it is possible to overcome the difficulties caused by the physical size limitation of the smart card 100 (lack of input unit, limitation of output screen size, etc.).
  • control unit 180 based on the user input for selecting a plurality of payment means is applied to the input unit 120, a complex payment means for enabling sequential payment by the plurality of selected payment means at one time Create and set the smart card 100 in a state capable of payment by the composite payment means.
  • a compound payment means may be automatically generated when payment by a plurality of payment means is repeated in a specific situation, or a user may manually create a compound payment means by selecting a plurality of payment means.
  • 11 and 12 are conceptual views illustrating an embodiment in which the complex payment means is directly generated by a user input.
  • a menu screen 1110 for selecting a payment method may be output to the display unit 150.
  • the direct payment icon 1120 may be selected at first. Accordingly, the direct payment icon 1120 may be displayed in a different color from the complex payment icon 1130, or a flickering effect, a shadow effect, a border highlighting effect, or the like may be output on the direct payment icon 1120.
  • the composite payment icon 1130 may be selected. Similarly, the composite payment icon 1130 may be displayed in a different color from the direct payment icon 1120, or a blinking effect, a shadow effect, or a border highlighting effect may be output on the composite payment icon 1130.
  • a menu 1140 for selecting a plurality of payment means included in the composite payment means may be output.
  • a menu 1140 for selecting a membership card may be preferentially output.
  • the first point card list 1150 most frequently used by the user may be output first. Subsequently, when a push input is applied to the right input unit 123, the second frequently used second point card list 1160 may be output. That is, a push input may be applied to the left input unit 121 or the right input unit 123 to output the point card lists.
  • the second point card may be selected as an accumulation card of the combined payment means.
  • a menu 1210 for selecting a payment card may be output.
  • the first credit card list 1220 that is most frequently used by the user may be output first.
  • a push input may be applied to the left input unit 121 or the right input unit 123 to output payment card lists.
  • the first credit card when a push input is applied to the power input unit 122 while the first credit card list 1220 is output, the first credit card may be selected as the payment card of the combined payment means.
  • a message 1230 asking whether to proceed with the payment with the selected complex payment card (complex payment means) may be output.
  • Such a message 1230 may be credited with the second point card, it may be displayed that the payment proceeds to the first credit card.
  • a menu 1240 for selecting a payment method of a complex payment may be output.
  • the magnetic compound payment icon 1250 and the barcode compound payment icon 1260 may be output.
  • the composite payment using the magnetic tape 195 may be performed.
  • a guide message 1270 informing that payment is possible using the POS terminal may be output.
  • the payment may be made by reading the magnetic tape 195 to the POS terminal. That is, even if the smart card 100 is scratched once on the POS terminal, the payment may be made with the first credit card and points may be accumulated on the second point card.
  • the complex payment means is automatically generated based on whether the situation can be eliminated the user has to set manually.
  • the present invention described above can be embodied as computer readable codes on a medium in which a program is recorded.
  • the computer-readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable media include hard disk drives (HDDs), solid state disks (SSDs), silicon disk drives (SDDs), ROMs, RAMs, CD-ROMs, magnetic tapes, floppy disks, optical data storage devices, and the like. This also includes implementations in the form of carrier waves (eg, transmission over the Internet).
  • the computer may include the controller 180 of the terminal. Accordingly, the above detailed description should not be construed as limiting in all aspects and should be considered as illustrative. The scope of the invention should be determined by reasonable interpretation of the appended claims, and all changes within the equivalent scope of the invention are included in the scope of the invention.

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  • Physics & Mathematics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Une carte à puce selon la présente invention comprend : une mémoire pour stocker un détail de paiement effectué par une carte à puce; et une unité de commande pour générer un moyen de paiement complexe qui permet à une pluralité de moyens de paiement d'effectuer simultanément un paiement séquentiel, sur la base du calcul du paiement séquentiel répété d'un nombre prédéterminé de fois ou plus effectué par la pluralité de moyens de paiement dans une situation spécifique sur la base du détail de paiement, et configurer la carte à puce dans un état dans lequel le paiement peut être effectué par le moyen de paiement complexe sur la base d'une nouvelle détection de la situation spécifique.
PCT/KR2016/007249 2016-05-10 2016-07-05 Carte à puce et son procédé de commande Ceased WO2017195931A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020160057061A KR20170126687A (ko) 2016-05-10 2016-05-10 스마트 카드 및 그 스마트 카드의 제어 방법
KR10-2016-0057061 2016-05-10

Publications (1)

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WO2017195931A1 true WO2017195931A1 (fr) 2017-11-16

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PCT/KR2016/007249 Ceased WO2017195931A1 (fr) 2016-05-10 2016-07-05 Carte à puce et son procédé de commande

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KR (1) KR20170126687A (fr)
WO (1) WO2017195931A1 (fr)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20110068116A (ko) * 2009-12-15 2011-06-22 에스케이 텔레콤주식회사 결제 정보를 제공하는 이동통신 단말기, 스마트 카드 및 그 방법
KR20110067750A (ko) * 2009-12-15 2011-06-22 에스케이 텔레콤주식회사 스마트 카드, 이동통신 단말기, 무선 결제 서비스 시스템 및 방법
KR20140133240A (ko) * 2013-05-10 2014-11-19 주식회사 엘지유플러스 최적결제방법 추천시스템 및 최적결제방법 추천방법
WO2016010327A1 (fr) * 2014-07-14 2016-01-21 브릴리언츠 주식회사 Multicarte à puce
KR20160021384A (ko) * 2014-08-14 2016-02-25 엔에이치엔엔터테인먼트 주식회사 통합 기능의 카드를 이용한 결제 서비스 방법과 시스템, 및 기록 매체

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20110068116A (ko) * 2009-12-15 2011-06-22 에스케이 텔레콤주식회사 결제 정보를 제공하는 이동통신 단말기, 스마트 카드 및 그 방법
KR20110067750A (ko) * 2009-12-15 2011-06-22 에스케이 텔레콤주식회사 스마트 카드, 이동통신 단말기, 무선 결제 서비스 시스템 및 방법
KR20140133240A (ko) * 2013-05-10 2014-11-19 주식회사 엘지유플러스 최적결제방법 추천시스템 및 최적결제방법 추천방법
WO2016010327A1 (fr) * 2014-07-14 2016-01-21 브릴리언츠 주식회사 Multicarte à puce
KR20160021384A (ko) * 2014-08-14 2016-02-25 엔에이치엔엔터테인먼트 주식회사 통합 기능의 카드를 이용한 결제 서비스 방법과 시스템, 및 기록 매체

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