JP6022083B2 - 決済デバイスの金融チップ制御方法 - Google Patents
決済デバイスの金融チップ制御方法 Download PDFInfo
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- JP6022083B2 JP6022083B2 JP2015549233A JP2015549233A JP6022083B2 JP 6022083 B2 JP6022083 B2 JP 6022083B2 JP 2015549233 A JP2015549233 A JP 2015549233A JP 2015549233 A JP2015549233 A JP 2015549233A JP 6022083 B2 JP6022083 B2 JP 6022083B2
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- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- 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"
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
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- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- 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
- G06Q20/30—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
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
-
- 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
- G06Q20/30—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
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3574—Multiple applications on card
-
- 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
- G06Q20/30—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
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3576—Multiple memory zones on card
-
- 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
- G06Q20/30—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
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3576—Multiple memory zones on card
- G06Q20/35765—Access rights to memory zones
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
Description
100 金融チップ
200 カード会社サーバー
Claims (8)
- 第1カード会社サーバーおよび第2カード会社サーバーと無線ネットワークで接続される決済デバイスの金融チップ制御方法において、
前記金融チップのメモリの格納領域を複数に区画し、区画された各格納領域に順番を割り当てる段階と、
前記第1カード会社サーバーおよび前記第2カード会社サーバーが順次前記金融チップにクレジットカード情報の記録を要請するとき、前記第1カード会社サーバーに第1順番を割り当て、前記第1カード会社サーバーから発行するクレジットカード情報、前記第1カード会社サーバーとの間の金融取引のためのアプリケーション、および前記アプリケーションに対する識別子を記録する段階と、
前記第2カード会社サーバーへ、前記第1カード会社サーバーが発行する前記アプリケーションとは別の金融取引のためのアプリケーションを前記第2カード会社サーバーが発行しないよう、前記第1順番および該第1順番の次の順番である第2順番に対する情報を含む、前記第1カード会社サーバーが発行する前記アプリケーションを識別するためのカード配置情報を提供する段階とを含み、
前記識別子は、
前記順番のうち、使用された順番と未使用の順番とに対する順番情報を含めてカード配置情報に含まれ、
前記識別子は、前記格納領域に最初にアクセスした前記第1カード会社サーバーの識別子に固定されることを特徴とする、決済デバイスの金融チップ制御方法。 - 前記カード配置情報は、
前記第1カード会社サーバーから発行する前記アプリケーションの識別子を含むことを特徴とする、請求項1に記載の決済デバイスの金融チップ制御方法。 - 前記第2カード会社サーバーは、
前記第1カード会社サーバーで占有した前記第1順番の次の順番である前記第2順番に対応する格納領域にアクセスすることを特徴とする、請求項2に記載の決済デバイスの金融チップ制御方法。 - 前記カード配置情報に含まれる、前記第1カード会社サーバーが発行する前記識別子は、前記第2カード会社サーバーへ提供されることを特徴とする、請求項2に記載の決済デバイスの金融チップ制御方法。
- 前記カード配置情報は、
前記使用された順番と前記未使用の順番が隣接の順番であることを特徴とする、請求項1に記載の決済デバイスの金融チップ制御方法。 - 前記金融チップは、
USIM(Universal Subscriber Identity Module)、NFC(Near Field Communication)USIM、マイクロSD(Micro Secure Digital)、およびEmbedded SE(Embedded Secure Element)のいずれかであることを特徴とする、請求項1に記載の決済デバイスの金融チップ制御方法。 - 前記カード配置情報は、
前記メモリの格納領域に対する順番のうち、使用された順番と未使用された順番に対する情報を含むことを特徴とする、請求項1に記載の決済デバイスの金融チップ制御方法。 - 前記決済デバイスはモバイルフォン、スマートフォン、タブレット(Tablet)PCおよびカメラのいずれかであることを特徴とする、請求項1に記載の決済デバイスの金融チップ制御方法。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR10-2012-0152919 | 2012-12-26 | ||
KR1020120152919A KR101316377B1 (ko) | 2012-12-26 | 2012-12-26 | 결제 디바이스의 금융 칩 제어방법 |
PCT/KR2012/011679 WO2014104433A1 (ko) | 2012-12-26 | 2012-12-28 | 결제 디바이스의 금융 칩 제어방법 |
Publications (2)
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JP2016506573A JP2016506573A (ja) | 2016-03-03 |
JP6022083B2 true JP6022083B2 (ja) | 2016-11-09 |
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Application Number | Title | Priority Date | Filing Date |
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JP2015549233A Active JP6022083B2 (ja) | 2012-12-26 | 2012-12-28 | 決済デバイスの金融チップ制御方法 |
Country Status (6)
Country | Link |
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US (1) | US10043163B2 (ja) |
EP (1) | EP2940639A4 (ja) |
JP (1) | JP6022083B2 (ja) |
KR (1) | KR101316377B1 (ja) |
CN (1) | CN104995646A (ja) |
WO (1) | WO2014104433A1 (ja) |
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-
2012
- 2012-12-26 KR KR1020120152919A patent/KR101316377B1/ko active IP Right Grant
- 2012-12-28 US US14/655,637 patent/US10043163B2/en active Active
- 2012-12-28 JP JP2015549233A patent/JP6022083B2/ja active Active
- 2012-12-28 EP EP12890646.8A patent/EP2940639A4/en not_active Withdrawn
- 2012-12-28 WO PCT/KR2012/011679 patent/WO2014104433A1/ko active Application Filing
- 2012-12-28 CN CN201280078138.2A patent/CN104995646A/zh active Pending
Also Published As
Publication number | Publication date |
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KR101316377B1 (ko) | 2013-10-08 |
EP2940639A4 (en) | 2016-08-10 |
JP2016506573A (ja) | 2016-03-03 |
US20150339642A1 (en) | 2015-11-26 |
CN104995646A (zh) | 2015-10-21 |
US10043163B2 (en) | 2018-08-07 |
WO2014104433A1 (ko) | 2014-07-03 |
EP2940639A1 (en) | 2015-11-04 |
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Free format text: JAPANESE INTERMEDIATE CODE: R250 |
|
R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |