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WO2018155912A1 - Procédé de commande de carte à puce multiple et carte à puce multiple utilisant ledit procédé - Google Patents

Procédé de commande de carte à puce multiple et carte à puce multiple utilisant ledit procédé Download PDF

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Publication number
WO2018155912A1
WO2018155912A1 PCT/KR2018/002149 KR2018002149W WO2018155912A1 WO 2018155912 A1 WO2018155912 A1 WO 2018155912A1 KR 2018002149 W KR2018002149 W KR 2018002149W WO 2018155912 A1 WO2018155912 A1 WO 2018155912A1
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WO
WIPO (PCT)
Prior art keywords
card
information
smart multi
payment
cards
Prior art date
Application number
PCT/KR2018/002149
Other languages
English (en)
Korean (ko)
Inventor
배재훈
박태성
Original Assignee
브릴리언츠 주식회사
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 브릴리언츠 주식회사 filed Critical 브릴리언츠 주식회사
Priority claimed from KR1020180020570A external-priority patent/KR20180097460A/ko
Publication of WO2018155912A1 publication Critical patent/WO2018155912A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier

Definitions

  • the present invention relates to a smart multi card control method and a smart multi card using the method. More particularly, the present invention relates to a control method of a smart multi-card for the user to use the smart multi-card more conveniently and conveniently, and a smart multi-card using the method.
  • the object of the present invention is to solve all the above-mentioned problems.
  • Another object of the present invention is to perform a control operation for a smart multi-card, in which a user selects a required card from a plurality of cards more conveniently when the smart multi-card is operated.
  • the present invention by fixing the selected card in the smart multi-card so as not to change to another card at the time of payment and to maintain the security of the selected card information for another object.
  • a method for controlling a smart multi card includes the steps of the smart multi card receiving control information from an input unit and the smart multi card storing a plurality of cards stored on the smart multi card based on the control information. And outputting information on at least one selected card, wherein the control information may be input based on a plurality of buttons implemented on the smart multi-card.
  • a smart multi-card is an input unit for receiving control information, a display implemented to output information on at least one selected card of a plurality of cards stored on the smart multi-card based on the control information And a control unit operatively connected to the input unit and the display, wherein the control information may be input based on a plurality of buttons implemented on the smart multi card.
  • the smart multi-card control operation of selecting a required card from a plurality of cards can be performed more conveniently.
  • FIG. 1 is a conceptual diagram illustrating a smart multi card according to an embodiment of the present invention.
  • FIG. 2 is a conceptual diagram illustrating a control method for a smart multi card according to an embodiment of the present invention.
  • FIG. 3 is a conceptual diagram illustrating a control method for a smart multi card according to an embodiment of the present invention.
  • FIG. 4 is a conceptual diagram illustrating a control method for a smart multi card according to an embodiment of the present invention.
  • FIG. 5 is a conceptual diagram illustrating an information display method of a smart multi card according to an embodiment of the present invention.
  • FIG. 6 is a conceptual diagram illustrating a method of operating a smart multi card according to an embodiment of the present invention.
  • FIG. 7 is a conceptual diagram illustrating a payment method of a smart multi card according to an embodiment of the present invention.
  • FIG. 1 is a conceptual diagram illustrating a smart multi card according to an embodiment of the present invention.
  • the smart multi card 100 includes a plate 110, a display unit 120, a user input unit 130, a control unit 140, a storage unit 150, a card data output unit 160, and a wireless device.
  • the communication unit 170 may include a lock release unit (not shown) and an insertion detection unit (not shown).
  • the smart multi-card 100 may include a plurality of card information in one card (that is, device), unlike the existing card that included only one card information in an integrated circuit (IC) chip in one card. . That is, at least one of the plurality of card information stored on the smart multi-card 100 may be loaded to simultaneously perform payment and / or point accumulation.
  • IC integrated circuit
  • the plate 110 may be formed in a square plate shape, and the corner portion of the square plate shape may be rounded.
  • the plate 110 may include a configuration of the smart multi card 100 such as the card data output unit 160 and the controller 140.
  • Plate 110 may be made of a plastic or metal plate of a resilient material, such as a general card, it may be configured by stacking a number of layers.
  • the plate 110 may be formed by molding a substrate on which a configuration of the smart multi-card 100 is disposed, with a material of a specific material.
  • the card data output unit 160 may be disposed on the plate 110.
  • the card data output unit 160 when the card data output unit 160 is an IC chip 162, the card data output unit 160 may be disposed to be exposed to the outside on one side of the front surface.
  • the card data output unit 160 includes a magnetic field generating unit 161 for generating a magnetic signal (ie, a magnetic signal)
  • the plate 110 formed at one side of the rear surface, more specifically, a rectangle may be formed. It may be arranged to be exposed to the outside on one side of the rear surface adjacent to one of the two long sides of the.
  • the wireless communication unit to perform the function of the card data output unit 160 to be described later (for example, card data is transmitted through the NFC (near field communication) communication module, Bluetooth communication module of the wireless communication unit) If so), it is embedded in the plate 110 may transmit a wireless communication signal corresponding to the card information to the outside.
  • the plate 110 may be provided such that the insertion detecting unit described later is exposed to the outside in a direction continuous with one end of the magnetic field generating unit 161 (for example, the card reader insertion direction of the plate 110).
  • the front side of the plate 110 is provided with a display unit 120 and a user input unit 130 to be described later may be exposed to the outside.
  • the plate 110 Inside of the plate 110 is a part of the configuration that is exposed to the outside, such as the card data output unit 160, the insertion detection unit, the display unit 120, the user input unit 130 is built-in Configurations such as the control unit 140, electrical wiring (not shown), memory (not shown), and power supply unit (not shown) may be included.
  • the electrical wiring may be composed of several sheets between the layers of each plate 110, and the vias corresponding to the wiring passages may be vias. ) Can be connected.
  • the user input unit 130 performs a function of receiving input data for controlling the operation of the smart multi-card 100 from the user.
  • the user input unit 130 may include a key pad, a dome switch, a touch pad (constant voltage / capacitance), a jog wheel, a jog switch, and the like.
  • a touch pad Constant voltage / capacitance
  • a jog wheel a jog switch
  • a touch screen when the touch pad forms a mutual layer structure with the display unit 120 to be described later, this may be referred to as a touch screen.
  • the display unit 120 is provided at one side of the plate 110 to perform a function of visually displaying card-related data on a screen and providing the same to a user. That is, the display 120 performs a function of displaying the image or image data generated and provided by the controller 140.
  • the card-related data may include card identification information such as a card image, a card name, and a card company, and may include benefit information such as discount information of the card and interest-free installment information.
  • the display unit 120 includes a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, and an electronic paper (E).
  • -paper may include at least one.
  • two or more display units 120 may exist according to the implementation form of the smart multi-card.
  • the display unit 120 may be provided on the front and rear surfaces of the smart multi-card.
  • the display unit 120 may be disposed on one side of the front surface of the plate 110.
  • the display unit 120 may be disposed in an area which does not overlap the IC chip disposed on one side of the front surface of the plate 110 and the magnetic field generator disposed on one side of the rear surface of the plate 110.
  • the display 120 may be prevented from being damaged.
  • the display 120 may be disposed at a position on the plate 110 adjacent to the user input unit (for example, the touch unit or the touch pad) so that the user may easily perform a touch operation while viewing the display unit 120. have.
  • the display unit 120 When the display unit 120 and the touch sensor form a mutual layer structure (hereinafter, referred to as a touch screen), the display unit 120 may be used as an input device in addition to the output device.
  • the touch screen may display a user interface (UI) screen of the card, and receive an input operation for a position corresponding to the screen from the user.
  • the touch screen may receive various input operations such as a touch operation, a slide operation, a swiping operation, a knock operation, and the like from a user.
  • the card data output unit 160 performs a function of transmitting card information to perform payment or accumulation.
  • the card data output unit 160 may correspond to various components that can transmit card information to an external card reader.
  • the card data output unit 160 may include a magnetic field generator, an IC chip, and the like.
  • some modules for example, NFC communication module, BLE communication module, etc.
  • the wireless communication unit 170 to be described later may perform the function of the card data output unit 160 by transmitting the card data to the payment terminal. .
  • the magnetic field generating unit includes a magnetic cell that forms a magnetic field through current flow and outputs a card information magnetic signal.
  • the magnetic field generator may include at least one track. Each track may include a magnetic cell to generate a magnetic signal to provide to the header of the card reader.
  • Magnetic cells may be configured in various forms. For example, single or multiple magnetic cells can be disposed on the track.
  • the magnetic cells may have various arrangement directions. For example, the magnetic cell may be erected so that only a certain polarity is exposed to one side of the plate 110 (ie, in the magnetic signal output direction) when the magnetic field is generated. That is, the magnetic cell may be disposed on one side of the specific plate 110 so that only a specific polarity according to the current direction is exposed in the magnetic signal output direction.
  • the magnetic cells may be arranged such that both polarities are exposed in the magnetic signal output direction.
  • the IC chip can perform data exchange with a contact card reader. That is, the IC chip is exposed to the outside of the plate 110, which is a part that can be in physical contact with the card reader to the outside, the card contact portion of the contact card reader when the smart multi-card 100 is inserted into the contact card reader Direct data exchange can be performed by contacting.
  • the card data output unit 160 may output card data generated by the controller.
  • the controller 140 is provided in the plate 110 to perform an overall control function required for using a multi-card.
  • the controller 140 performs a function of transferring card information to a specific card data output unit 160.
  • the controller 140 transmits card data corresponding to a card selected according to a user's user input unit operation to the magnetic field generating unit to generate a specific magnetic driving current. It can perform a function to generate a signal.
  • the controller 140 may generate a magnetic signal generated in the magnetic field generator in time series by supplying a magnetic driving current signal or controlling a flow direction. That is, the magnetic cell can adjust the direction of the magnetic field applied to the head of the card reader through the current control.
  • the controller 140 may collectively control the current direction to generate the same polarity in the magnetic signal output direction (card reader header direction) in each magnetic cell.
  • the controller 140 may generate a magnetic field change in the head of the card reader corresponding to each track by adjusting a magnetic driving current signal input for each track.
  • the controller 140 may perform a function of generating information or a screen to be displayed on the display 120. That is, the controller 140 may generate a card UI screen and provide the card UI screen to the display 120. When the user can select or set a desired UI screen configuration, the controller 140 may generate a UI screen corresponding to the user's setting and provide the UI screen to the display 120.
  • the controller 140 may receive an input operation from the user input unit 130, determine a corresponding operation, and perform a function of instructing to perform an operation. Specifically, when the user input unit 130 is a touch screen combined with the display unit 120, the controller 140 determines the position of the input operation received by the touch screen, the type of the input operation or the type of the input operation. In this case, the corresponding control command can be determined.
  • the controller 140 may transmit card data of card information corresponding to the input operation to a specific card data output unit 160 when an input operation is applied to the touch screen, and display the card information corresponding to the input operation. Can be generated and delivered to the touch screen.
  • the storage unit 150 stores a plurality of card information and card data.
  • the storage unit 150 may classify and store cards in order to allow a user to quickly and easily select a card.
  • the smart multi card 100 may classify and store cards according to card types such as credit card classification, check card classification, point card classification, membership card classification, and the like, based on the frequency of card use or the card issuer. Can be sorted and stored.
  • the storage 150 may store a program for the operation of the controller 140.
  • the wireless communication unit 170 is provided in the plate 110 and performs a function of transmitting card information to the outside through wireless communication. That is, the wireless communication unit 170 may perform a function of transmitting card data to a payment terminal (ie, card reader).
  • a payment terminal ie, card reader
  • the wireless communication unit 170 may receive card data corresponding to a specific card by performing data transmission and reception with a user terminal (or mobile terminal) through wireless communication. That is, the smart multi-card 100 receives the card data from the card information management server through the mobile terminal (for example, the mobile terminal receives from the card information management server via Wi-Fi, LTE cellular communication, etc. Transmission to a smart multi-card via short-range wireless communication.
  • the wireless communication unit 170 may perform a function of receiving user authentication information from a user terminal. That is, the wireless communication unit 170 may receive information for performing user authentication (ie, first user authentication information) when receiving new card information from the mobile terminal.
  • the user authentication information may correspond to biometric information such as fingerprint information of the user, and may correspond to various pieces of information for identifying the user.
  • the wireless communication unit 170 transmits the user authentication information, which is compared with the user authentication information stored in the user terminal, to the user terminal, and receives encrypted data and seed data from the user device in consideration of whether the user authentication information matches. Can be.
  • the wireless communication unit 170 may receive the new card information and transmit the new card information to the controller 140, and the controller 140 may perform information processing to store the new card information in the memory.
  • the insertion detector may recognize card insertion in the card reader.
  • the insertion detector may include a pressure sensor to detect whether the card is inserted into the IC card reader.
  • a pressure sensor is attached to one side of the smart multi card (for example, a short side adjacent to the IC chip), and the smart multi card is inserted into the IC card reader so that the side with the pressure sensor is positioned inside the card reader. If it contacts the side, it can be determined that the card is inserted.
  • the insertion detector may be disposed at a specific position on the plate 110 through which the header of the card reader passes.
  • a pressure sensor may be placed above or below the magnetic field generating portion such that pressure may be applied to the pressure sensor by the head when the card is inserted. That is, when a header is inserted between the header and one side of the card reader while the header is in contact with one side of the card reader, and the header presses the card, the card recognizes the insertion in the card reader and supplies power to the cell. have.
  • the insertion detecting unit is provided at a position adjacent to the end of the magnetic field generating unit, and when the card moves in the card reader, the head is not recognized before the magnetic field generating unit is recognized by the head. It can detect the contact of. Through this, the smart multi-card starts generating magnetic signals when card reading starts, thereby reducing power consumption.
  • the insertion detecting unit may detect an insertion in the card reader by receiving an electrical signal according to the exchange of the card information magnetic signal with the header of the card reader from the magnetic field generating unit. That is, the magnetic cell of the magnetic field generating unit serves as an inductive sensor, and detects the magnetic field change between the card reader header and transmits the card information.
  • the insertion sensor may utilize a pressure sensor and an inductive sensor together. This prevents malfunction due to pressure applied to the pressure sensor by a configuration other than the header of the card reader, and changes in the magnetic field by magnetic objects caused by changes in the magnetic field other than the header of the card reader. It can prevent the malfunction caused by the detection.
  • the unlocking unit is provided on one surface of the plate 110 and performs a function of receiving a lock release operation for activating a touch manipulation function of the touch unit. That is, when the user wants to perform the smart multi-card operation, the user may activate the touch manipulation function by operating the lock release unit before the touch unit manipulation or the touch unit manipulation. For example, the touch unit may activate the touch manipulation function only while the unlock operation for the unlocking unit is input from the user. Accordingly, an unintended touch manipulation can be prevented from being input through the touch unit.
  • the unlocking unit may be provided as a button or a touch sensor (eg, a body touch sensor). That is, when a user wants to input a touch manipulation, when a user presses a button with a specific finger or touches a finger on the touch sensor, the touch manipulation function may be activated.
  • a touch sensor eg, a body touch sensor
  • the unlocking unit may include a fingerprint recognition module configured to receive fingerprint information of the user, and activate the touch manipulation function when the received fingerprint information matches the pre-stored fingerprint information. That is, the fingerprint recognition module may receive fingerprint information when the user's finger is touched and determine whether the touch manipulation function or the entire function of the multi-card is activated by determining whether the fingerprint information matches the user's fingerprint information stored in the multi-card. Through this, it is possible to prevent someone other than the card holder from randomly manipulating the card or performing a payment.
  • FIG. 2 is a conceptual diagram illustrating a control method for a smart multi card according to an embodiment of the present invention.
  • FIG. 2 a method for dividing a plurality of spaces into display spaces on a smart multi-card and outputting different information in each of the plurality of spaces is disclosed.
  • a plurality of different display systems and functions may be provided for different purposes on a display located in a smart multi card.
  • the space on the display may be divided into a plurality of spaces, and a plurality of payment information (credit card information, membership information, etc.) may be output in each of the plurality of spaces.
  • the payment information may include various information used for payment.
  • the plurality of payment information may be expressed based on different display systems. For example, credit card information (credit card name, credit card number, etc.) may be output in the first space 200 on the display, and barcode information for membership authentication / establishment may be output in the second space 250. have.
  • the user may select a plurality of cards based on the smart multi card.
  • Existing users provided both credit and membership cards to proceed with the payment process.
  • the smart multi-card according to the embodiment of the present invention the user selects a plurality of cards with one smart multi-card without having to provide a plurality of cards in the payment procedure, and thus the plurality of payment information is stored in one smart. Can be provided via multi-card.
  • a method of transmitting a plurality of payment information through one display has been disclosed.
  • other smart multicard components e.g., magnetic emulator, integrated circuit (IC) chip, near field communication (NFC), etc.
  • IC integrated circuit
  • NFC near field communication
  • the plurality of payment information may be provided in various formats on the smart multi-card, and a payment procedure may be performed based on the plurality of payment information.
  • a credit card and B membership card are selected, magnetic payment is made with A credit card and membership can be earned with a barcode displayed on the screen.
  • the smart multi-card can transmit the information of the A credit card based on the magnetic emulator and the information of the B membership card based on the barcode information.
  • a combination of various payment information such as a combination of magnetic and IC chip information, a combination of magnetic and NFC information, and a combination of IC and NFC information is one smart multi-card in the transaction process. Can be delivered via
  • FIG. 3 is a conceptual diagram illustrating a control method for a smart multi card according to an embodiment of the present invention.
  • a single card selected from a plurality of cards may be temporarily fixed on the smart multi card based on a control method (specific designation button, button combination, time pressed button, etc.) of the designated smart multi card. .
  • a user selects a card on a smart multi card and then provides the smart multi card to a casher for payment.
  • the cashier may press a button implemented in the smart multi card at the time of payment, in which case the card information selected by the user may be changed to other information.
  • the card information selected by the additional operation does not change, and the card information selected by the user can be fixed on the smart multi card.
  • the selected card information may be fixed on the smart multi card.
  • the smart multi-card may recognize the card as the card selected for payment and fix the selected card information for a predetermined time. For example, when a specific card is selected based on information on a card that is used mainly for payment by a user, the card may be recognized as a payment card and the change of the card may be restricted for a certain time.
  • only a part of the card information may be provided so that the detailed card information is not exposed.
  • This card information security function can reduce the card information exposure crime occurring in everyday life.
  • the card when performing a conventional payment, the card is delivered, and the card number, expiration date, digital code, and the like indicated on the card are exposed.
  • the present invention can digitally mark some of the card information or modify the card information to reduce the exposure to the card information to enhance security.
  • the card information may be divided into a plurality of pieces of information, and only some of the pieces of information may be output based on a preset algorithm.
  • FIG. 4 is a conceptual diagram illustrating a control method for a smart multi card according to an embodiment of the present invention.
  • FIG. 4 illustrates the function of a button implemented in a smart multi-card.
  • the smart multi card may include a plurality of buttons (eg, three buttons).
  • the function of the smart multi card can be organically changed by the operation of three buttons (the function of a single button, the combination of buttons, the button operation time, etc.).
  • Information output on the display, payment information, etc. may be automatically generated / changed based on the manipulation of the button. For example, if the user selects a card A, payment data of the A card is automatically generated, and when B is selected, payment data for B may be generated.
  • the operation of the smart multi card can be controlled by short-pressing 450, long-pressing 460 and double-pressing 470 a button (or key).
  • the short press 450 may be an operation of pressing a plurality of buttons.
  • the long press 460 may be an operation of pressing and holding the button for longer than a threshold time.
  • the double-press 470 may be an operation of simultaneously pressing a button at a specific time.
  • the smart multi card may include three buttons (a first button 410, a second button 420, and a third button 430).
  • first button 410 is shortly pressed by a short press
  • the current payment information may be changed to another payment information in the first search direction.
  • second button 420 is shortly pressed (short press)
  • the current payment information may be changed to another payment information in the second search direction.
  • information about A card, B card, and C card is stored in the smart multi card, and the screen is switched as the information displayed by A card, B card, C card, A card, B card, and C card is circulated. Can be. If the B card is currently being output on the display, if the first button 410 is short-pressed, the card is switched from the B card to the A card, and if the second button 420 is short-pressed, the B card is Can be converted to C card.
  • an operation mode may be selected.
  • the power can be turned on / off, and when the second button 420 is pressed by the long press 460, The hold function may be performed, and when the third button 430 is pressed long by the long press 460, the multi display function may be performed.
  • the MSNFC function is performed, and the first button 410 and the third button 430 are double-press 470.
  • the info function may be performed.
  • FIG. 5 is a conceptual diagram illustrating an information display method of a smart multi card according to an embodiment of the present invention.
  • FIG. 5 a method for displaying information of a payment card on a display is disclosed.
  • the card information may include a card name, card number, expiration date, CVC code, and the like. According to an embodiment of the present invention, some of the numeric information such as the card number, the expiration date, and the CVC code may be sequentially masked so that the total numeric information is not known within n changes.
  • the first part of the card number, the first part of the valid period, and the first part of the CVC code may be exposed.
  • the second card information exposure 520 the second part of the card number, the second part of the valid period, and the second part of the CVC code may be exposed.
  • the nth order card information exposure 530 a third part of the card number, a third part of the valid period, and a third part of the CVC code may be exposed.
  • the first part, the second part, and the third part may be part of the numeric information, and each of the first part, the second part, and the third part may include overlapping numeric information.
  • the first card information is prevented from obtaining information on the card number, expiration date, and the CVC code.
  • Exposure 510 to n-th card information exposure 530 may be performed. In this manner, deprivation of card information by users other than the user can be prevented.
  • the setting for the size of n may be set differently according to the security strength 500. As the security strength 500 is set relatively high, the size of n may be relatively large.
  • the card actual information request button combination when the selection of the card is actually performed, information for payment such as barcode information and magnetic information is provided as true information, but the card name displayed on the display is shown. The card number, expiration date, and CVC code may be provided as false information. If the user actually wants to see the card information, the user can press a preset card actual information request button combination. According to the card actual information request button combination, a request for the actual card information may be transmitted to the smart multi card, and true information about the card may be displayed on the display according to the request for the actual card information.
  • the card actual information request button combination may be separately set for each user as a combination of the above-described first button, second button or third button.
  • FIG. 6 is a conceptual diagram illustrating a method of operating a smart multi card according to an embodiment of the present invention.
  • FIG. 6 a method for manipulating a smart multi card is disclosed based on an interworking between the smart multi card and a user device.
  • the smart multi card 600 may be operated based on a user interface output from the user device 650, and information output from the display of the smart multi card 600 may be confirmed on the user interface. have.
  • the communication unit of the user device 650 and the communication unit of the smart multi-card 600 may communicate, and may operate in synchronization with each other.
  • the smart multi card 600 and the user device 650 may be synchronized.
  • the smart multi card app for driving / controlling / setting the smart multi card 600 on the user device 650 may be activated, and a screen of the smart multi card app may be output.
  • the signal of the smart multi-card 600 received from the communication unit of the user device 650 is a certain intensity or more, the user device 650 and the smart multi-card 600 is synchronized, the smart multi-card ( A screen for controlling 600 may be output.
  • the user may control the smart multi-card 600 as described above with reference to FIGS. 2 through 3 through the user device 650.
  • the first button to the third button described above may be implemented as an image on the user device 650, or the user interface corresponding to the first button to the third button may be implemented as an output image.
  • the user may select a card based on the first button to the third button through a touch on the user device 650.
  • the card information selected by the user is transferred to the smart multi card 600, and the user device 650 and the smart multi card 600 may be driven in synchronization.
  • Information for synchronization between the user device 600 and the smart multi-card 650 may be provided when the card information selected due to the selection on the user device 600 is fixed for a threshold time. For example, when the user selects a card, the card information selected within the threshold time may be changed.
  • the payment card 1 to payment card 5 is stored in the smart multi-card 650, and the credit card 1 to credit card 7 may be stored.
  • the user may perform a selection operation for selecting the payment card 2 and the credit card 3 through the user interface output when the smart multi-card app is running.
  • the synchronization between the user device 650 and the smart multi-card 600 is performed on the card information that is changed during the selection operation for selecting the payment card 2 and the credit card 3, unnecessary information may be wasted.
  • the user device 650 Card information selected from may be transmitted to the smart multi-card (600).
  • a quick combination of a payment card and a credit card may be performed based on payment information of existing users.
  • the user may store and use the payment card 1 to payment card 3, the earning card 1 to earning card 5 in the smart multi-card.
  • the order of arranging the credit card for each payment card may be changed.
  • the order of the earning card 2 earning card 1, earning card 3, earning card 5, earning card 4 to select the earning card Earn credit card can be listed, and if payment card 2 is selected, credit card can be listed in order of Earn card 3, Earn card 1, Earn card 2, Earn card 4, Earn card 5 for the selection of Earn card have.
  • the order of arranging the credit card may be determined in consideration of the user's existing usage record, other users' payment card and the usage record of the credit card.
  • FIG. 7 is a conceptual diagram illustrating a payment method of a smart multi card according to an embodiment of the present invention.
  • FIG. 7 a method for providing payment information / establishment information in a smart multi card is disclosed.
  • a user using a smart multi-card may perform a crediting procedure after payment or after a crediting.
  • the user may select the payment card and the credit card through the input unit of the smart multi-card.
  • the magnetic emulator of the smart multi-card may provide payment card information 700 and credit card information 750 in time division. For example, by setting a cycle, payment card information 700 for payment is provided based on magnetic emulation in a first cycle, and credit card information 750 for accumulation is based on magnetic emulation in a second cycle. It may be provided as. Again, payment card information 700 may be output in a third period, and credit card information 750 may be output in a fourth period. That is, the payment card information 700 and the credit card information 750 may be alternately provided, and the cashier who receives the card through the information of the alternating method may perform the payment and the accumulation as one payment method.
  • the period of providing the payment card information 700 and the credit card information 750 as described above may be set differently according to communication with the payment place / card reader. For example, if the payment place is Paris Baguette, and in Paris Baguette, payment is performed after the accumulation, the credit card information 750 is preferentially provided in the first cycle, and then the payment card information 700 in the second cycle. May be provided. Which information among the first period, the second period, and the credit card information 750 and the payment card information 700 is first provided may be determined in consideration of the payment records and the accumulation records of existing users.
  • the smart multi-card may preferentially provide the credit card information 750, and after receiving the credit completion signal from an external server or a user device, convert the information into the payment card information 700 and output the converted card information.
  • the payment card information 700 may be provided first, and after receiving the payment completion signal from the external server or the user device, the information may be converted into the credit card information 750 and output.
  • Embodiments according to the present invention described above can be implemented in the form of program instructions that can be executed by various computer components and recorded in a computer-readable recording medium.
  • the computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination.
  • Program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the computer software arts.
  • Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floptical disks. medium) and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like.
  • Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.
  • the hardware device may be modified with one or more software modules to perform the processing according to the present invention, and vice versa.

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  • Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

La présente invention concerne un procédé de commande de carte à puce multiple et une carte à puce multiple utilisant ledit procédé. Le procédé de commande de carte à puce multiple peut comprendre : une étape dans laquelle une carte à puce multiple reçoit des informations de commande provenant d'une unité d'entrée ; et une étape dans laquelle la carte à puce multiple délivre des informations concernant au moins une carte sélectionnée parmi une pluralité de cartes stockées sur la carte à puce multiple sur la base des informations de commande, les informations de commande pouvant être entrées sur la base d'une pluralité de boutons disposés sur la carte à puce multiple.
PCT/KR2018/002149 2017-02-23 2018-02-21 Procédé de commande de carte à puce multiple et carte à puce multiple utilisant ledit procédé WO2018155912A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR20170023837 2017-02-23
KR10-2017-0023837 2017-02-23
KR1020180020570A KR20180097460A (ko) 2017-02-23 2018-02-21 스마트 멀티 카드의 제어 방법 및 이러한 방법을 사용하는 스마트 멀티 카드
KR10-2018-0020570 2018-02-21

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WO2018155912A1 true WO2018155912A1 (fr) 2018-08-30

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WO (1) WO2018155912A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR3134210A1 (fr) * 2022-04-05 2023-10-06 Sid Ali BENFARDJALLAH Système de paiement et de fidelite et carte de paiement et de fidelite

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2006099781A (ja) * 2004-09-29 2006-04-13 Sap Ag 多用途スマートカード
US20070131759A1 (en) * 2005-12-14 2007-06-14 Cox Mark A Smartcard and magnetic stripe emulator with biometric authentication
US20090037275A1 (en) * 2007-08-03 2009-02-05 Pollio Michael J Consolidated membership/rewards card system
KR20120126495A (ko) * 2011-05-12 2012-11-21 농업협동조합중앙회 스마트 카드 서비스 시스템 및 방법
KR20160008474A (ko) * 2014-07-14 2016-01-22 브릴리언츠 주식회사 멀티스마트카드

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2006099781A (ja) * 2004-09-29 2006-04-13 Sap Ag 多用途スマートカード
US20070131759A1 (en) * 2005-12-14 2007-06-14 Cox Mark A Smartcard and magnetic stripe emulator with biometric authentication
US20090037275A1 (en) * 2007-08-03 2009-02-05 Pollio Michael J Consolidated membership/rewards card system
KR20120126495A (ko) * 2011-05-12 2012-11-21 농업협동조합중앙회 스마트 카드 서비스 시스템 및 방법
KR20160008474A (ko) * 2014-07-14 2016-01-22 브릴리언츠 주식회사 멀티스마트카드

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR3134210A1 (fr) * 2022-04-05 2023-10-06 Sid Ali BENFARDJALLAH Système de paiement et de fidelite et carte de paiement et de fidelite
WO2023194330A1 (fr) * 2022-04-05 2023-10-12 Benfardjallah Sid Ali Système de paiement et de fidelite et carte de paiement et de fidelite

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