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WO2018008804A1 - Procédé de paiement utilisant une carte à puce - Google Patents

Procédé de paiement utilisant une carte à puce Download PDF

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Publication number
WO2018008804A1
WO2018008804A1 PCT/KR2016/011774 KR2016011774W WO2018008804A1 WO 2018008804 A1 WO2018008804 A1 WO 2018008804A1 KR 2016011774 W KR2016011774 W KR 2016011774W WO 2018008804 A1 WO2018008804 A1 WO 2018008804A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
information
smart card
payment
smart
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/KR2016/011774
Other languages
English (en)
Korean (ko)
Inventor
이수호
김상현
박성부
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.)
Wion Corp
Original Assignee
Wion Corp
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 Wion Corp filed Critical Wion Corp
Publication of WO2018008804A1 publication Critical patent/WO2018008804A1/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
    • 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
    • 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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3555—Personalisation of two or more 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
    • G06Q20/356—Aspects of software for card payments
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W84/00—Network topologies
    • H04W84/18—Self-organising networks, e.g. ad-hoc networks or sensor networks
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D30/00—Reducing energy consumption in communication networks
    • Y02D30/70—Reducing energy consumption in communication networks in wireless communication networks

Definitions

  • the present invention relates to a payment method using a smart card. More specifically, the present invention relates to a method for performing various card payment functions using one smart card.
  • MST Magnetic Secure Transmission
  • Embodiments of the present invention provide a smart card that supports the card function.
  • Embodiments of the present invention provide a method for displaying card information selected by a user in a smart card.
  • Embodiments of the present invention provide a method for charging a smart card using a voltage applied from a card payment machine such as a POS device and an ATM device.
  • a payment method of a smart card comprising: receiving card selection information indicating card information selected by a user from a plurality of card information in the smart card; Calling selected card information based on the received card selection information; Displaying the selected card information on the smart card; And transmitting card payment information to a card payment device, wherein the smart card may be set to perform Bluetooth low power (BLE) communication with another device of the smart card-owning user.
  • BLE Bluetooth low power
  • the method may further include charging the power of the smart card based on the voltage of the card payment machine applied to the smart card.
  • the method may further include displaying payment history information on the smart card for a preset time when the payment is completed with the card information displayed on the smart card.
  • the card information includes a card serial number, an effective date, and card validation code (CVC) information.
  • CVC card validation code
  • the method may further include displaying a remaining amount of power operated by the smart card.
  • the receiving of the card selection information indicating the card information selected by the user from the plurality of card information in the smart card may include displaying the plurality of card information displayed on an application operated by another device of the smart card owning user.
  • the method may include receiving, at the smart card, card information selected by the user's input.
  • the card payment machine is any one of a Point of Sales (POS) device and an Automatic Teller's Machine (ATM).
  • POS Point of Sales
  • ATM Automatic Teller's Machine
  • the smart card may maintain card information last selected by the user when power supply to the smart card is terminated.
  • the smart card may determine the card information displayed on the smart card based on power remaining amount information of the smart card.
  • the card payment device may support BLE communication, and the smart card may include transmitting the card payment information to a card payment device that supports the BLE communication using a BLE communication method.
  • the card payment information may include at least one or more of payment key (KEY) information, barcode information, encrypted payment information.
  • KY payment key
  • the smart card may further include receiving payment completion information, which is paid based on the selected card information, from the card payment machine using a BLE communication method.
  • the smart card may provide a card management function by communicating with a smart phone by using a BLE communication method.
  • the smart card according to an embodiment of the present invention may provide card information selected last by the user even when the smart card is turned off.
  • the smart card according to an embodiment of the present invention may display the entire card information using the segment display.
  • the smart card may determine one card among a plurality of cards by receiving a user's touch input.
  • the smart card according to an embodiment of the present invention may perform charging using a voltage applied from a card payment machine such as a POS device and an ATM device.
  • a card payment machine such as a POS device and an ATM device.
  • FIG. 1 is a view showing a concept of using a smart card according to an embodiment of the present invention.
  • FIG. 2 is a flowchart illustrating a payment process of a smart card according to an embodiment of the present invention.
  • FIG. 3 is a view showing a smart card form according to an embodiment of the present invention.
  • FIG. 4 is a diagram illustrating a method for communicating with a smart phone in a smart card according to an embodiment of the present invention.
  • FIG. 5 is a block diagram conceptually illustrating a structure of a smart card according to an embodiment of the present invention.
  • FIG. 6 is a detailed block diagram illustrating the smart card block diagram of FIG. 5.
  • FIG. 7 is a diagram illustrating an electrical contact of a smart card according to an embodiment of the present invention.
  • FIG. 8 is a flowchart illustrating a charging process in a smart card according to an embodiment of the present invention.
  • FIG. 1 is a view showing a concept of using a smart card according to an embodiment of the present invention.
  • the user may use services such as payment and authentication by inserting or contacting the smart card 100 to a card payment machine 120 such as a point of sales (POS) or an automatic teller's machine (ATM).
  • POS point of sales
  • ATM automatic teller's machine
  • the smart card 100, the smart phone 110, the card payment device 120 and the payment server 130 are each one to send and receive card information or payment information, in particular the smart card 100
  • the efficient management of various card information and how to control the power problem due to the physical space limitation of the smart card 100 has become a major issue of smart card technology.
  • BLE Bluetooth Low Energy
  • FIG. 2 is a flowchart illustrating a payment process of a smart card according to an embodiment of the present invention.
  • the smart card may receive card selection information.
  • the smart card may be classified into two types. One case is a case where a user input is directly received by an input unit of a smart card, and the other case is a case where a smart card is received by selecting card information from another device of the user and transmitting it to the smart card.
  • the smart card according to the present invention may include an input unit, and the input unit may be a dome key or a touch display panel. The user can select a card he / she intends to use through this input unit.
  • the smart card according to the present invention can select card selection information by communicating with a smart phone.
  • a specific card is selected in an application such as a mobile wallet running on a smart phone
  • this information is transmitted to the smart card so that the card selected in the smart card can be used.
  • the communication between the smart card and the smart phone may be Bluetooth low power communication.
  • the smart card may call the selected card information.
  • the card information may be pre-stored in the storage unit of the smart card.
  • the card information may be information required for payment, and may be a 16-digit serial number of the card, an expiration date, and a card validation code (CVC). In addition to the information required for payment, various information related to the card may correspond to this.
  • the display unit of the smart card may display the selected card information.
  • the selected card information can be displayed, and various card information can be displayed by the user's operation.
  • a method of displaying various information on the smart card will be described in more detail with reference to FIGS. 3 to 4 described later.
  • the smart card may transmit card payment information to a card payment machine.
  • the payment information set in the smart card may be transmitted by inserting, touching or swiping the card into a card payment device such as a POS device or an ATM device.
  • the card payment machine may complete card payment by communicating with a payment server, and the smart card may perform a function such as a card receipt by displaying payment history information for a predetermined time after the card payment is completed.
  • the payment history information accumulated by the user's operation on the touch display panel of the smart card may be displayed.
  • the smart card may perform far card payment using a BLE communication method.
  • the card payment device (ATM, POS) may also be a device that supports BLE communication, and the smart card may perform payment using a BLE communication method in a long distance as well as an existing payment method of contact or non-contact with the card payment device. .
  • the card payment information transmitted through the BLE communication method may include at least one of payment key information, barcode information, and encrypted payment information.
  • the card payment device may transmit payment completion information to the smart card, and may be transmitted using a BLE communication method.
  • the smart card may perform a payment process by transmitting and receiving card payment information and payment completion information using a card payment device and a BLE communication method.
  • FIG. 3 is a view showing a smart card form according to an embodiment of the present invention.
  • the segment display module unlike the general electronic card by embedding the segment display module, it can be set to display the entire card information.
  • the 16-digit serial number of the card may be represented as "1234 0036 0070 5988".
  • the card number 4 digits may be displayed through the segment electrophoretic display (EPD) module.
  • the smart card according to the present invention can communicate with a card payment machine in various communication methods.
  • the smart card may communicate with a card payment machine using a Bluetooth low power (BLE) communication scheme.
  • the smart card may execute a card management function in conjunction with a user's smart phone by using a Bluetooth low power communication method.
  • BLE Bluetooth low power
  • the smart card according to the present invention can support various standard standards that meet the smart IC and financial IC standards. By supporting specifications such as ISO 7816/14443, compatibility between devices and versatility can be achieved.
  • the smart card according to the present invention may include an input unit for receiving a user input.
  • the input unit according to an embodiment of the present invention may include a plurality of dome keys.
  • the input unit according to the present invention may include various types of dome keys.
  • a smart card can provide an Arabian number 0-9 in the form of a dome key.
  • the smart card can provide an up key and a down key.
  • the input unit according to the present invention may provide a QWERTY dome key.
  • a user may input various card information into a smart card as a shortcut key and select specific card information by selecting the shortcut key. For example, a user may pre-populate an Arabian number 1 with credit card information, a number 2 with B credit card information in advance, and a number 3 with pre-population membership card information. . The user may select a specific card based on the previously input shortcut information.
  • the dome key surface may be printed with a type of card, an icon of the card (for example, a bus indication may correspond to an icon of a traffic card), and the like.
  • the user can sequentially select cards using the up and down keys in addition to a direct card selection method such as a shortcut key.
  • the card information selected by the user is displayed on the display module so that the user can identify the card selected by the user, and the smart card can support payment using the selected card information.
  • the smart card according to the present invention may include a power key.
  • a power key In the case of a smart card, there is a restriction to operate for a long time with a small power supply, and when the user wants to operate the card payment function, power can be efficiently provided by selecting a power supply option.
  • the display module As the power option is turned on, the display module may display card information and the display module may be deactivated when the power is turned off.
  • the smart card according to the present invention may provide and fix the card information last selected by the user when the power supply falls below a certain voltage. Therefore, even if the power is turned off (even if the voltage falls below a certain voltage), the payment service can be performed with the recently selected card information.
  • the card information can be displayed in a simpler form than the aforementioned display function.
  • the smart card may include only one dome key and may be used as a power key. Since having multiple dome keys can be complex in physical configuration, the user's card selection can be performed using other methods.
  • the smart card according to the present invention may include a display module capable of touch input.
  • a display module capable of touch input.
  • it may be a graphic touch display module of about 1.38 inches.
  • the larger the size of the display module may be advantageous in that it can display a variety of card information, but the card information may be displayed in consideration of the operational power for operating the display module and the limitation of the physical size of the smart card. It is preferably included in the size as it is.
  • card information selected by the user may be displayed.
  • a 16-digit card number may be displayed as "0123 3425 2349 9878".
  • a graphic indicating which card company's credit card may be displayed may be displayed.
  • the smart card according to the present invention may display a graphic indicating the state of the power supply, and may display the remaining power of the smart card, or display information such as the remaining usage time.
  • the smart card according to the present invention may be a rechargeable smart card.
  • a smart card that can be recharged semi-permanent use can provide convenience for the user.
  • the smart card may provide a charging function in addition to displaying the remaining power, thereby providing a user with an opportunity to fully charge.
  • the smart card according to the present invention may include a display module capable of touch input. Due to the spatial limitation of the smart card, the touch input unit must input a lot of information in a narrow space, and thus can provide convenience of touch input through a function of scrolling a screen or a page switching function.
  • Smart card may include a display module that can display a variety of card information.
  • the smart card may display the entire card information using the segment display.
  • General credit card information may include the 16-digit serial number of the card, the expiration date (2 digits per month and 2 digits per year), the name of the card holder, and the like.
  • the smart card according to the present invention may display a Card Validation Code (CVC) three digits among credit card information.
  • CVC Card Validation Code
  • the smart card can display CVC information or the like to support such a payment environment.
  • the smart card according to the present invention can display the remaining power, etc., and preferably can display both the graphic element in the shape of a battery and information obtained by quantifying the remaining power.
  • the smart card according to the present invention may include an input unit for receiving a user input, and the input unit may be a touchable display.
  • the smart card may be operated by receiving an input in a touch display module from a user. Detailed description thereof has been described above with reference to FIG. 3 and will be omitted.
  • the smart card according to the present invention may further include a dome key in addition to the touch input unit, it is possible to select a specific card from a plurality of cards through the up key and down key, power management through the power option dome key Can support
  • the dome key is replaced with a touch key to have an advantageous effect on the physical structure of the surface of the card.
  • the smart card according to the present invention can display a card issuing company.
  • a card issuing company For example, it may indicate that the selected card company is A company and the overseas payment card company is B company.
  • the present disclosure focuses on displaying information necessary for payment, the present disclosure is not limited thereto, and various information and card benefit information included in the card information may be additionally displayed.
  • the smart card selected A credit card may display information such as "P BAKERY 20000 ⁇ , 20%" when the payment is over 20,000 won in P bakery or the like. This information may be displayed when the card is selected, and may preferably be displayed according to the context environment.
  • AP Wi-Fi access point
  • NFC Near Field Communication
  • the smart card according to the present invention may display various payment history information.
  • Information such as payment history (amount, time, and payment location) of the credit card and various information related to the card, such as the remaining limit of the card, may be displayed.
  • the smart card according to the present invention may display various additional information other than a payment function.
  • a library membership card may be selected by a user.
  • the smart card may display information such as the number of remaining seats, operating hours (including holiday information) of the library.
  • FIG. 4 is a diagram illustrating a method for communicating with a smart phone in a smart card according to an embodiment of the present invention.
  • the smart card according to the present invention may be set to perform communication using a smart phone and a Bluetooth low energy communication scheme.
  • BLE communication there is an effect of reducing power consumption to some extent, which is advantageous for extending the operating time of a smart card.
  • the smart phone according to the present invention is a user owned device. Since financial information such as card information is an important element of security, it is preferable to authenticate a user through a procedure such as authentication.
  • the authentication method for interworking a smart phone and a smart card according to the present invention may take various forms.
  • a session can be connected by inputting information encrypted by a user.
  • the user may perform authentication by inputting the authentication number sent from the mobile wallet application of the smart phone in the smart card.
  • the smart card itself may include a separate authentication module.
  • the input unit of the smart card may include a fingerprint recognition unit.
  • the fingerprint recognition unit may be a separate fingerprint recognition module or may support a fingerprint recognition function on the touch display. The user may perform authentication by inputting biometric information such as a fingerprint on the smart card.
  • the smart phone according to the present invention can execute a mobile wallet application that manages a plurality of card information.
  • a mobile wallet not only a credit card but also various types of card information such as membership cards and other authentication cards can be managed in one application to perform functions such as payment and point accumulation.
  • the card information according to the present invention may be card information provided by a card company, and may be card information provided by a card affiliate separately.
  • the K credit card provided by the S credit card company may have a C theater discount
  • the J company providing the C theater service may provide benefit information for the K credit card.
  • the card information according to the present invention may include card information supporting functions such as membership and authentication in addition to the financial settlement card.
  • the library membership card may be information including member information such as a member's name, address, and contact information.
  • the user may input to select a specific card among a plurality of card information stored in the mobile wallet, and the card information selected by the user may be transmitted on the smart card, and the smart card may be replaced with a physical card including the card information. have.
  • the user pays with a smart card there is an advantageous effect that the user can experience like a real card payment.
  • FIG. 5 is a block diagram conceptually illustrating a structure of a smart card according to an embodiment of the present invention.
  • the smart card 600 may include a display unit 610, an input unit 620, a control unit 630, a power supply unit 640, and a communication unit 650.
  • the display unit 610 may display card information.
  • the card information may be card information selected by the user. If there is only one card information input to the smart card 600 by the user, the selection problem does not occur. However, when a large number of card information is input by the user, the smart card 600 selects the card information selected by the user. Can be displayed to the user.
  • the display unit 610 may be a segment EPD (Electro-Phoretic Display; e-paper). In the case of EPD, it may be advantageous to the life of the smart card 600 in terms of low power while being supported in black and white.
  • EPD Electro-Phoretic Display
  • the display unit 610 may be implemented as various types of display modules as described above with reference to FIGS. 3 to 4.
  • the smart card 600 may be set to display the entire card information.
  • the display unit 610 may indicate a 16-digit serial number unique to the card, such as "1234 0036 0070 5988".
  • the card number 4 digits may be displayed through the segment EPD module.
  • the display unit 610 may display information necessary for payment in addition to the card serial number.
  • General credit card information may include the 16-digit serial number of the card, the expiration date (2 digits per month and 2 digits per year), the name of the card holder, and the like.
  • the display unit 610 may display a card validation code (CVC) three digits of the credit card information.
  • CVC card validation code
  • the display unit 610 may display a graphic indicating a state of power of the smart card 600, may display remaining power of the smart card 600, or display information such as remaining usage time.
  • the display unit 610 can display a lot of information through a function of scrolling a screen or a page switching function.
  • the present disclosure focuses on displaying information necessary for payment, but is not necessarily limited thereto, and the display unit 610 may additionally display various information and card benefit information included in the card information.
  • the input unit 620 may receive a user's card selection input, power input, and the like.
  • the input unit 620 may include a plurality of dome keys.
  • the input unit 620 may include various types of dome keys.
  • the input unit 620 may provide the Arabic numerals 0 to 9 in the form of a dome key.
  • the input unit 620 may provide an up key and a down key.
  • the user may input various card information into the smart card 600 as a shortcut key, and select specific card information by selecting the shortcut key. For example, a user may pre-populate an Arabian number 1 with credit card information, a number 2 with B credit card information in advance, and a number 3 with pre-population membership card information. . The user may select a specific card based on the previously input shortcut information.
  • the dome key surface may be printed with a type of card, an icon of the card (for example, a bus indication may correspond to an icon of a traffic card), and the like.
  • the user can sequentially select cards using the up and down keys in addition to a direct card selection method such as a shortcut key.
  • the card information selected by the user is displayed on the display module so that the user can identify the card selected by the user, and the smart card 600 can support payment using the selected card information.
  • the input unit 620 may include a power key.
  • a power key In the case of a smart card, there is a restriction to operate for a long time with a small power supply, and when the user wants to operate the card payment function, power can be efficiently provided by selecting a power supply option. As the power option is turned on, the display module may display card information and the display module may be deactivated when the power is turned off.
  • the controller 630 may process and control data transmitted and received by the display unit 610, the input unit 620, the power unit 640, and the communication unit 650 of the smart card 600.
  • the controller 630 processes input such as a card selection input input by the user to the input unit 620 and may specify which card is selected based on the input card selection information.
  • the controller 630 may control the specified card information to be displayed by the display unit 610, and may control the remaining power of the power supply unit 640, the charging function, and the like.
  • the controller 630 may determine card information displayed on the display unit 610 based on power remaining amount information of the power supply unit 640. For example, when the voltage of the smart card 600 is sufficient, various additional information may be displayed. When the remaining power of the smart card 600 is small, only essential information necessary for payment is displayed on the display unit 610. The card information can be determined to be displayed on.
  • the controller 630 may process information with an external device transmitted and received by the communication unit 650.
  • the external device may be a user's smart phone, card payment machine, various devices around the smart card, and the like.
  • the controller 630 may set the display unit 610 to display information corresponding to the card management information.
  • the controller 630 may perform various payment and authentication functions in the smart card 600. Obviously, it is possible to support credit card inherent functions such as credit card payment, deposit and withdrawal, and credential (identity verification).
  • the power supply unit 640 performs a function of supplying power to the smart card 600, and in some cases may be charged.
  • the smart card 600 may include a power supply unit, and may supply power to the smart card 600 as the power option is turned on, and stop supplying power when the power is turned off. have.
  • the power supply unit 640 may be a power standard that supports Bluetooth low power (BLE) communication.
  • BLE Bluetooth low power
  • a module such as an EPD displayed at low power may be satisfied to operate normally.
  • the communication unit 650 may perform communication with a smart phone, a card payment machine, and the like.
  • the card management function may be executed by performing a BLE communication with a user device such as a smart phone, and the card payment may be supported by supporting the ISO 7816/14443 standard that can communicate with a card payment machine.
  • the communication unit 650 may communicate with various devices.
  • the NFC card may communicate with a nearby NFC tag, a Wi-Fi AP, or the like to provide location information of the smart card 600.
  • location information may be used for a context-based smart card service.
  • FIG. 6 is a detailed block diagram illustrating the smart card block diagram of FIG. 5.
  • the display unit of the smart card may be an e-paper display (EPD), and may be controlled by a graphics input / output port (GPIO PORT) and a driver IC circuit.
  • GPIO PORT graphics input / output port
  • the display may be controlled in the same manner as in the EPD.
  • GPIO PORT can be controlled by switching between the EPD and the touch panel.
  • the communication unit of the smart card may include a BLE antenna and an NFC antenna.
  • the BLE antenna may operate as a 2.4 GHz radio transceiver through a matching circuit and optionally a balun.
  • the oscillator supporting the communication modulation and demodulation may operate using the frequencies of the main operation clock (16 MHz) and the sub operation clock (32.768 KHz).
  • the power supply unit of the smart card may be composed of various modules, and may be converted into an operating voltage through a DC / DC buck converter.
  • the LDO Low Drop Out
  • the LDO can adjust the operating voltage drop and the like.
  • the power supply unit of the present invention may include a rechargeable circuit, and the charger IC circuit may supply a voltage to an analog-to-digital converter (ADC) through a lithium polymer battery.
  • ADC analog-to-digital converter
  • the power supply of the present invention has a feature that can be charged through an 8 PIN circuit on the banking IC pad.
  • a power supply may be charged by supporting a payment service using an NFC antenna, and at the same time, transferring a voltage supplied to a power supply such as Vcc of the IC circuit to a charger IC. Detailed description thereof will be made with reference to FIG. 7.
  • the controller of the present invention can support various interfaces.
  • Various communications can be supported through interfaces such as Universal Asynchronous Receiver / Transmitter (UART), Serial Peripheral Interface (SPI), and Inter-Integrated Circuit (I2C).
  • UART Universal Asynchronous Receiver / Transmitter
  • SPI Serial Peripheral Interface
  • I2C Inter-Integrated Circuit
  • the controller of the present invention may be implemented with a BLE SOC (System On Chip).
  • a BLE nRF51822 solution may be used.
  • the control unit may be a control unit supporting specifications of an ARM Cortex-Mo 32-bit processor, embedded flash, and 16KB SRAM.
  • Such a controller has an advantageous effect of having a size suitable for a small device such as a smart band.
  • FIG. 7 is a diagram illustrating an electrical contact of a smart card according to an embodiment of the present invention.
  • the IC circuit of the smart card may include eight contacts.
  • the PIN function of the financial IC used for a typical credit card is gradually assigned to each of eight.
  • eight contacts may be named as C1 to C4 in order from the top left to four, and four to the bottom from the top right, in turn, such as C5 to C8.
  • contact C1 is a Vcc voltage, which corresponds to a supply voltage, and is used as a place where power is supplied from an actual POS device or ATM device.
  • the smart card according to the present invention can be charged using a power applied through the Vcc contact C1 without using a separate pad or a charging method.
  • the contact C2 is responsible for the RST, that is, the reset, the contact C3 relates to the clock operating frequency, and the contact C4 may be a reserved contact.
  • Contact C5 is the contact required for ground ground, and C6 is the Vpp voltage and may correspond to an external programming voltage.
  • the contact C7 is a contact for serial input / output communication, and C8 may be a reserved contact as in C4.
  • the power supply unit may perform a charging operation by applying a Vcc voltage applied from a card payment machine such as a POS device or an ATM device to a charging circuit. Therefore, the smart card can be charged for a short time using a card payment machine such as a POS device or an ATM device without a separate charger, which has an advantageous effect of extending the power operating life of the smart card.
  • the power supply unit may be connected to a separate charging device to perform charging. It is also possible to perform charging by wireless charging with a device such as a charging pad described above, or perform charging by connecting a separate charger and a wire.
  • FIG. 8 is a flowchart illustrating a charging process in a smart card according to an embodiment of the present invention.
  • the smart card may contact the card payment machine.
  • the IC circuit of the smart card can be read from the card payment machine by being inserted into the card payment device.
  • the charging circuit of the smart card may perform charging through a power applied from the card payer, that is, a Vcc power supply.
  • a Vcc power supply while the IC circuit of the smart card is supplied while being contacted on the card payment machine, it is supplied for a rather short time, but by performing such a short time charging, the operating life of the smart card can be extended.
  • the smart card may operate based on the charged power.
  • the remaining power may be displayed on the smart card, and when charging, information indicating that the battery is being charged may be displayed.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
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  • Microelectronics & Electronic Packaging (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne une carte à puce ainsi qu'un procédé de paiement utilisant celle-ci. Selon l'invention, un procédé de paiement pour une carte à puce consiste à : permettre à la carte à puce de recevoir des informations de sélection de carte indiquant les informations de carte sélectionnées par un utilisateur parmi une pluralité d'éléments d'informations de carte ; appeler les informations de carte sélectionnées d'après les informations de sélection de carte reçues ; permettre à la carte à puce d'afficher les informations de carte sélectionnées ; et transmettre les informations de paiement de carte à une machine de paiement par carte, la carte à puce pouvant être configurée pour effectuer une communication Bluetooth basse énergie (BLE) avec un autre dispositif de l'utilisateur possédant la carte à puce.
PCT/KR2016/011774 2016-07-04 2016-10-19 Procédé de paiement utilisant une carte à puce Ceased WO2018008804A1 (fr)

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KR10-2016-0083966 2016-07-04
KR1020160083966A KR20180004430A (ko) 2016-07-04 2016-07-04 스마트 카드를 이용한 결제 방법

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KR102090387B1 (ko) * 2018-07-10 2020-03-18 치-유안 오 다수의 거래 카드를 통합한 다목적 재충전 카드
KR102452252B1 (ko) * 2020-03-13 2022-10-06 강형석 Ble 기술을 이용하는 다목적 카드
KR102597406B1 (ko) * 2020-11-18 2023-11-03 주식회사 디티앤바이오 바이오 센서가 내장된 스마트 카드 및 이를 이용한 사물 인터넷 기반 스마트 카드 시스템

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KR20040016771A (ko) * 2002-08-17 2004-02-25 송현종 카드/계좌 관리 시스템 및 그 관리방법
JP2005242444A (ja) * 2004-02-24 2005-09-08 Hitachi Ltd Ｉｃカード，携帯端末及び通信システム
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KR20160008444A (ko) * 2014-07-14 2016-01-22 브릴리언츠 주식회사 스마트멀티카드

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JP2005242444A (ja) * 2004-02-24 2005-09-08 Hitachi Ltd Ｉｃカード，携帯端末及び通信システム
KR20090020514A (ko) * 2007-08-23 2009-02-26 소니 가부시끼 가이샤 전자 지갑 장치 및 통신 방법
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