JP6987979B2 - マルチカード及びそれを用いた決済方法 - Google Patents
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Description
なお、「VISA」「MasterCard」「AMEX」「Micro SD」「QRコード」は登録商標である。
Claims (14)
- 板状の実カードで具現されるマルチカードにおいて、
少なくとも一つの決済カード情報をアプレット(applet)形態に保存するセキュアエレメント(Secure Element);
カード情報とそれぞれマッチングする複数のボタンを含む入力部;及び
利用者端末から、少なくとも一つの会員カード情報及び前記入力部とのマッチング情報を受信し、保存する制御部;
を含み、
前記セキュアエレメントは、前記入力部の選択に応じて前記制御部を通じて活性化された一つの決済カード情報及び一つの会員カード情報を受信し、受信された前記決済カード情報及び前記会員カード情報を含む一つの取引応答情報を生成し、
前記セキュアエレメントは、カードの種類及び取引優先順位情報を含む第1取引応答情報、認証に関する第2取引応答情報、カード番号と有効期間などの情報を含む第3取引応答情報、及び、カード検証結果を含む第4取引応答情報の中のいずれか一つに対して、前記会員カード情報をTLV(Tag Length Value)形態で追加して、前記一つの取引応答情報を前記TLV形態にて生成することを特徴とするマルチカード。 - 前記入力部の選択に応じて活性化された一つの決済カード情報及び一つの会員カード情報のうち少なくとも一つの情報を出力する表示部をさらに含む請求項1に記載のマルチカード。
- 前記マッチング情報は、利用者端末で駆動するサービスアプリケーションを介して生成され、利用者の設定により、前記少なくとも一つの会員カード情報と前記複数のボタンをそれぞれマッチングさせた情報であることを特徴とする請求項1に記載のマルチカード。
- 前記セキュアエレメントは、決済端末のコマンドに対する応答として前記一つの取引応答情報を前記決済端末に送信することを特徴とする請求項1に記載のマルチカード。
- 前記会員カード情報は、会員の種類、会員番号の長さ及び会員番号のうちの少なくとも一つの情報を含むことを特徴とする請求項1に記載のマルチカード。
- 前記会員カード情報は、会員の種類(2バイト)、会員番号の長さ(1バイト)、及び会員番号を含むTLV形態で前記取引応答情報に追加されることを特徴とする請求項5に記載のマルチカード。
- 前記マッチング情報は、前記利用者端末で駆動するサービスアプリケーションを介して変更又は設定可能であることを特徴とする請求項1に記載のマルチカード。
- 板状の実カードで具現されるマルチカードを用いた決済方法であって、
マルチカードのセキュアエレメント(Secure Element)に少なくとも一つの決済カード情報を保存するステップ;
利用者端末から、少なくとも一つの会員カード情報及び入力部とのマッチング(matching)情報を受信し、制御部に保存するステップ;
決済時、前記入力部で生成された選択信号に応じて、一つの決済カード情報及び一つの会員カード情報を活性化するステップ;及び
前記セキュアエレメントが活性化された一つの決済カード情報及び一つの会員カード情報を含む一つの取引応答情報を生成し、決済端末のコマンドに対する応答として端末に伝送するステップ;を含み、
前記セキュアエレメントは、カードの種類及び取引優先順位情報を含む第1取引応答情報、認証に関する第2取引応答情報、カード番号と有効期間などの情報を含む第3取引応答情報、及び、カード検証結果を含む第4取引応答情報の中のいずれか一つに対して、前記会員カード情報をTLV(Tag Length Value)形態で追加して、前記一つの取引応答情報を前記TLV形態にて生成する
決済方法。 - 活性化された一つの決済カード情報及び一つの会員カード情報を表示部に表示するステップをさらに含む請求項8に記載の決済方法。
- 前記活性化するステップは、前記入力部で生成された選択信号に応じて、前記セキュアエレメントに保存された少なくとも一つの決済カード情報のうちの一つを活性化するステップ;及び
前記制御部に保存された前記少なくとも一つの会員カード情報のうちの一つを選択し、セキュアエレメントに伝達するステップ;
を含む請求項8に記載の決済方法。 - 前記入力部は、カード情報とそれぞれマッチングする複数のボタンを含み、
前記マッチング情報は、利用者端末で駆動するサービスアプリケーションを介して生成され、利用者の設定により、前記少なくとも一つの会員カード情報と前記複数のボタンをそれぞれマッチングさせた情報であることを特徴とする請求項8に記載の決済方法。 - 前記会員カード情報は、会員の種類、会員番号の長さ及び会員番号のうちの少なくとも一つの情報を含むことを特徴とする請求項8に記載の決済方法。
- 前記会員カード情報は、会員の種類(2バイト)、会員番号の長さ(1バイト)、及び会員番号を含むTLV形態で前記取引応答情報に追加されることを特徴とする請求項12に記載の決済方法。
- 前記マッチング情報は、前記利用者端末で駆動するサービスアプリケーションを介して変更又は設定可能であることを特徴とする請求項8に記載の決済方法。
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KR1020170122611A KR101970152B1 (ko) | 2017-09-22 | 2017-09-22 | 멀티 카드 및 이를 이용한 결제 방법 |
KR10-2017-0122611 | 2017-09-22 | ||
PCT/KR2018/010774 WO2019059582A1 (ko) | 2017-09-22 | 2018-09-13 | 멀티 카드 및 이를 이용한 결제 방법 |
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JP6987979B2 true JP6987979B2 (ja) | 2022-01-05 |
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US (1) | US20200210995A1 (ja) |
EP (1) | EP3686828A4 (ja) |
JP (1) | JP6987979B2 (ja) |
KR (1) | KR101970152B1 (ja) |
CN (1) | CN111108524A (ja) |
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KR102499625B1 (ko) * | 2020-09-10 | 2023-02-14 | 코나아이 (주) | 지문입력부를 포함하는 멀티 카드 및 이를 이용한 결제 방법 |
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2017
- 2017-09-22 KR KR1020170122611A patent/KR101970152B1/ko active IP Right Grant
-
2018
- 2018-09-13 WO PCT/KR2018/010774 patent/WO2019059582A1/ko unknown
- 2018-09-13 EP EP18859761.1A patent/EP3686828A4/en not_active Withdrawn
- 2018-09-13 JP JP2020515145A patent/JP6987979B2/ja active Active
- 2018-09-13 CN CN201880061032.9A patent/CN111108524A/zh not_active Withdrawn
- 2018-09-13 US US16/643,612 patent/US20200210995A1/en not_active Abandoned
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JP2020533712A (ja) | 2020-11-19 |
KR20190033899A (ko) | 2019-04-01 |
WO2019059582A1 (ko) | 2019-03-28 |
CN111108524A (zh) | 2020-05-05 |
US20200210995A1 (en) | 2020-07-02 |
EP3686828A1 (en) | 2020-07-29 |
EP3686828A4 (en) | 2021-06-09 |
KR101970152B1 (ko) | 2019-04-17 |
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