KR20100024195A - Smart chip unified credit card system and method for payment the same - Google Patents

Smart chip unified credit card system and method for payment the same Download PDF

Info

Publication number
KR20100024195A
KR20100024195A KR1020080082943A KR20080082943A KR20100024195A KR 20100024195 A KR20100024195 A KR 20100024195A KR 1020080082943 A KR1020080082943 A KR 1020080082943A KR 20080082943 A KR20080082943 A KR 20080082943A KR 20100024195 A KR20100024195 A KR 20100024195A
Authority
KR
South Korea
Prior art keywords
credit card
smart chip
authentication information
payment
integrated
Prior art date
Application number
KR1020080082943A
Other languages
Korean (ko)
Inventor
성용철
Original Assignee
엘지이노텍 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 엘지이노텍 주식회사 filed Critical 엘지이노텍 주식회사
Priority to KR1020080082943A priority Critical patent/KR20100024195A/en
Publication of KR20100024195A publication Critical patent/KR20100024195A/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • 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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"

Landscapes

  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The smart chip integrated credit card system according to an embodiment of the present invention displays an integrated credit card containing a smart chip that stores a plurality of credit card information and user authentication information, and a list of credit cards stored in the smart chip. It includes an integrated credit card payment terminal for accepting payment by receiving authentication information after selecting a credit card to be used from the list, and a smart chip writer for storing credit card information and authentication information in the smart chip. . Therefore, by integrating multiple credit cards into a single card with a smart chip and storing and using authentication information on the smart chip, it is easy to possess and pay and to prevent misuse by loss and theft. have. In addition, when a new card is issued, each person accesses and downloads a web page and stores it in a smart chip, thereby reducing safety and cost of delivery.

Description

Smart chip unified credit card system and method for payment the same}

An embodiment of the present invention relates to a smart chip integrated credit card system and a payment method thereof.

Generally, a credit card is a means for realizing consumer credit. A member who has a contract with a card issuer presents a credit card issued by the issuing company when signing a slip when purchasing goods or services at an affiliated retailer. It is a payment method that enables purchase without spending cash. Since the money is automatically transferred from the member's deposit account to the merchant account after a certain period of sale through the issuing company's bank, the member should make a deposit until the payment is made.

In addition, such a credit card generally uses a magnetic card. The magnetic card is coated with a magnetic material (magnetic material), and data unique to the credit card holder, that is, credit card information of the credit card owner, is recorded on the magnetic material of the magnetic card.

However, the conventional credit card use has the following problems. In other words, credit card users usually carry three or four credit cards with each other. As a result, they have to carry several cards, which makes the wallet thicker and the inconvenience of finding a card to use at checkout. have. In addition, when a credit card is lost or stolen, it may be misused by others, and the delivery process such as mail or direct delivery is complicated when the card is issued, and the cost of shipping is increased.

An embodiment of the present invention is to provide a smart chip integrated credit card system and payment method that can facilitate the possession and payment of the card, and prevent misuse due to loss and theft.

The smart chip integrated credit card system according to an embodiment of the present invention displays an integrated credit card containing a smart chip that stores a plurality of credit card information and user authentication information, and a list of credit cards stored in the smart chip. It includes an integrated credit card payment terminal for accepting payment by receiving authentication information after selecting a credit card to be used from the list, and a smart chip writer for storing credit card information and authentication information in the smart chip. .

At this time, the authentication information stored in the smart chip uses a fingerprint or password, and the integrated credit card payment terminal is a smart chip reader (reader) to read the contents stored in the smart chip, a display unit showing the contents stored in the smart chip , An input unit for inputting a payment amount and the like and an authentication unit for inputting authentication information. In addition, when a user is issued a new credit card, it is preferable to connect the smart chip writer to a computer, download it from a corresponding website, and store it in the smart chip.

Smart chip integrated credit card system payment method according to an embodiment of the present invention, the first step of reading the information stored in the smart chip from the integrated credit card equipped with a smart chip, and displays the list of credit cards stored in the smart chip and the user A second step of selecting a credit card to be used from and inputting authentication information and a third step of approving the payment if the received authentication information is justified.

In this case, the smart chip stores credit card information and authentication information, and the credit card is stored by accessing and downloading the corresponding web page every time it is issued, and the authentication information may use a fingerprint or a password. The second step may further include a step of inputting a payment amount.

An embodiment of the present invention is to integrate multiple credit cards in a single card containing a smart chip, and to store and use the authentication information in the smart chip to facilitate possession and payment and to prevent misuse by loss and theft. It can be effective.

In addition, when a new card is issued, each individual accesses and downloads a web page and stores it in a smart chip, thereby reducing safety and cost of delivery.

Hereinafter, with reference to the accompanying drawings will be described in detail the smart chip integrated credit card system and payment method according to an embodiment of the present invention.

1 is a view showing a credit card issuing method in a smart chip integrated credit card system according to an embodiment of the present invention.

As shown in FIG. 1, when a new credit card is issued in the smart chip integrated credit card system according to the present invention, a smart chip writer 105 is used to access a credit card website to be issued. The credit card is downloaded and stored in the smart chip 101 embedded in the user's integrated credit card 102. At this time, when the user first receives the integrated credit card 102, it is preferable to store the authentication information in the smart chip, where the authentication information may use a fingerprint or a password.

2 is a view showing an integrated credit card payment terminal of the smart chip integrated credit card system according to an embodiment of the present invention.

As shown in FIG. 2, the integrated credit card payment terminal 200 according to the present invention reads the contents stored in the smart chip 101, the smart chip reader unit 205 and the contents stored in the smart chip 101. It includes a display unit 201 for showing, an input unit 203 for inputting a payment amount, etc. and an authentication unit 207 for inputting authentication information. That is, when the smart chip 101 embedded in the integrated credit card 102 shown in FIG. 1 contacts the smart chip reader unit 205 of the integrated credit card payment terminal 200, the credit stored in the smart chip 101 may be used. The card list is displayed on the display unit 201. The user selects the desired credit card from the displayed credit card list, the amount to be paid is input through the input unit 203, and the authentication information is input by the user through the authentication unit 207, and the authentication information entered is If justified, payment is approved. At this time, the authentication information input by the user may be a fingerprint or password, etc. The authentication unit 207 may be configured as a fingerprint recognition system or a button accordingly.

3 is a flowchart illustrating a payment method of a smart chip integrated credit card system according to an embodiment of the present invention.

When the smart chip embedded in the integrated credit card possessed by the user contacts the smart chip reader unit (S301), a list of credit cards stored in the smart chip is displayed (S303). If a credit card to be used is selected from the list displayed by the user (S305), and authentication information is input (S307), payment is approved (S309). In this case, the amount to be paid is preferably input after the credit card to be used is selected, and the input authentication information may be a fingerprint or a password. In addition, the smart chip is stored in the credit card list and authentication information, and when the user is issued a new credit card, it is preferable to access the web page of the credit card to be issued, download and store in the smart chip.

Therefore, by storing and integrating several credit cards in a single card with a smart chip, and storing and using authentication information in a smart chip, it is easy to carry and pay and prevent abuse and loss by theft. .

The above description is merely a description of specific embodiments of the present invention, and the present invention is not limited to these specific embodiments, and various modifications and applications are possible from the specific embodiments described above. Those who have knowledge can easily know.

1 is a view showing a credit card issuing method in a smart chip integrated credit card system according to an embodiment of the present invention.

2 is a view showing an integrated credit card payment terminal of the smart chip integrated credit card system according to an embodiment of the present invention.

3 is a flowchart illustrating a payment method of a smart chip integrated credit card system according to an embodiment of the present invention.

Claims (8)

Integrated credit card that contains a smart chip that stores credit card information and user authentication information; An integrated credit card payment terminal that displays a list of credit cards stored in the smart chip, receives a selection of credit cards to be used from the list, receives authentication information, and approves the payment; Smart chip writer for storing credit card information and authentication information in the smart chip Smart chip integrated credit card system comprising a. The method of claim 1, Authentication information stored in the smart chip is a smart chip integrated credit card system using a fingerprint or password. The method of claim 1, The integrated credit card payment terminal includes a smart chip reader (reader) for reading the contents stored in the smart chip, a display unit for showing the contents stored in the smart chip, an input unit for inputting the payment amount, etc. and an authentication unit for inputting authentication information. Smart chip integrated credit card system. The method of claim 1, When the user is issued a new credit card smart chip integrated credit card system that connects the smart chip writer (computer) to the computer and downloads from the website and stores in the smart chip. A first step of reading information stored in the smart chip from the integrated credit card having the smart chip; A second step of selecting a credit card to be used from a user and inputting authentication information by displaying a credit card list stored in the smart chip; Step 3 to approve the payment if the received authentication information is justified Smart chip integrated credit card system payment method comprising a. The method of claim 5, Credit card information and authentication information is stored in the smart chip, smart card integrated credit card system payment method is stored by accessing and downloading the web page every time the credit card is issued. The method of claim 5, The authentication information is a smart chip integrated credit card system payment method using a fingerprint or password. The method of claim 5, wherein the second step Smart chip integrated credit card system payment method further comprising the step of entering the payment amount.
KR1020080082943A 2008-08-25 2008-08-25 Smart chip unified credit card system and method for payment the same KR20100024195A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020080082943A KR20100024195A (en) 2008-08-25 2008-08-25 Smart chip unified credit card system and method for payment the same

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020080082943A KR20100024195A (en) 2008-08-25 2008-08-25 Smart chip unified credit card system and method for payment the same

Publications (1)

Publication Number Publication Date
KR20100024195A true KR20100024195A (en) 2010-03-05

Family

ID=42176153

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020080082943A KR20100024195A (en) 2008-08-25 2008-08-25 Smart chip unified credit card system and method for payment the same

Country Status (1)

Country Link
KR (1) KR20100024195A (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8827158B2 (en) 2011-12-21 2014-09-09 International Business Machines Corporation Multi-chip card
KR20220033675A (en) * 2020-09-10 2022-03-17 코나아이 (주) Multi card including fingerprint input unit and payment method using the same

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8827158B2 (en) 2011-12-21 2014-09-09 International Business Machines Corporation Multi-chip card
US8925816B2 (en) 2011-12-21 2015-01-06 International Business Machines Corporation Multi-chip card
KR20220033675A (en) * 2020-09-10 2022-03-17 코나아이 (주) Multi card including fingerprint input unit and payment method using the same
US11727405B2 (en) 2020-09-10 2023-08-15 Kona I Co., Ltd. Multi-card including fingerprint input unit and payment method using the same

Similar Documents

Publication Publication Date Title
US6611819B1 (en) Electronic money apparatus, method, card and computer readable record medium having electronic money processing program recorded thereon
US8123128B1 (en) Context-based card selection device
US8583493B2 (en) Payment terminal using a mobile communication device, such as a mobile phone; a method of direct debit payment transaction
US20190034913A1 (en) System and Method for Storing Credit on a Value Card or Cellular Phone Rather Than Accepting Coin Change
US7694882B2 (en) System and method for integrated circuit card data storage
US10628821B2 (en) Activation and assigning value to gift cards using RFID
US20110178928A1 (en) Multi Application Smartcard with Currency Exchange, Location, Tracking and Personal Identification Capabilities
US20050116026A1 (en) Portable electronic authorization system and method
KR20010030344A (en) A universal magnetic stripe card
WO2014165562A2 (en) Programmable electronic card and supporting device
CN101840550A (en) Method for realizing purposes of generating and paying bill on site
US6820803B1 (en) Cash card system
US20070299774A1 (en) System and method for card not present transactions
US20010049655A1 (en) Anonymous credit card
WO2002003293A1 (en) Electronic money transaction device and method
US20070090182A1 (en) All-In-One card and its management
US6829597B1 (en) Method, apparatus and computer program product for processing cashless payments
KR20100024195A (en) Smart chip unified credit card system and method for payment the same
JP5018057B2 (en) Sales system
WO2001035353A1 (en) Smart card with customized policy
US20230041655A1 (en) Slap pay and snap pay contactless payment and data systems
US7984848B1 (en) Cash card system
US20220044226A1 (en) System and method for storing credit on a value card or cellular phone rather than accepting coin change
US20210097509A1 (en) Process and system for keeping track of loose change
KR20050006628A (en) System and method for processing an electronic-receipt

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E601 Decision to refuse application