KR100591911B1 - Smart card discount system - Google Patents

Abstract

The present invention relates to a smart card and a cumulative discount smart card system equipped with discount storage information in which cumulative discount information is changed according to the card usage history and / or the cumulative payment amount for a smart card equipped with an integrated circuit chip (ICC). And a smart card having at least one or more discount storage information in which cumulative discount information is changed according to the card usage history and / or the cumulative payment amount, and the payment amount is accumulated for the smart card, and the card usage history and / or accumulation A cumulative discount smart card system including a card terminal device that changes the cumulative discount information according to the payment amount and applies a (cumulative) discount policy according to the changed cumulative discount information, and the discount storage information is stored through the cumulative discount smart card system. Card usage history and / or cumulative payment amount of smart card in place Initializing the amount; accumulating card usage and / or payments in accordance with the accumulated payment policy; and changing cumulative discount information in accordance with the cumulative discount policy and accumulated credit card usage and / or payment amount. It includes.

Cumulative, Payment Amount, Discount Information

Description

Smart Card Discount System {Smart Card Discount System}             

1 is a simplified diagram of smart card storage information loaded with discount storage information in which the cumulative discount information is dynamically changed according to the accumulated payment amount.

2 is a simple diagram in which discount storage information is mounted on smart card storage information pre-loaded on a smart card.

3 is a simplified diagram of a card terminal device including a function of accumulating a payment amount through discount information stored in a smart card and dynamically changing cumulative discount information.

4 is a simple flowchart illustrating a process of dynamically changing a cumulative payment amount and cumulative discount information in discount storage information included in a smart card.

5 is a simple flowchart illustrating a process of dynamically accumulating a payment amount and cumulative discount information by a cumulative discount module of discount storage information included in a smart card.

<Description of main parts of drawing>

100: Save Save Information 105: Exclusive Discount File

110: cumulative discount module 115: cumulative amount of payment policy element file

120: cumulative payment amount element file 125: cumulative discount policy element file

130: cumulative discount information element file

The present invention relates to a smart card and a cumulative discount smart card system equipped with discount storage information in which cumulative discount information is changed according to the card usage history and / or the cumulative payment amount for a smart card equipped with an integrated circuit chip (ICC). , The card usage history and / or the cumulative payment amount of the smart card with the discount storage information is initialized to accumulate the card usage performance and / or the payment amount according to the card usage history and / or the payment amount accumulation policy, The cumulative discount information may be changed according to the accumulated card use history and / or payment amount.

The discount in the modern concept is a way in which a seller buys a product at a low price from a producer and reduces various sales costs, so that the seller sells at a lower price than another seller and / or a holder's price indicated on the product. By means of returning to the consumer a portion of the profits, such as producers, providers, and / or sellers to the consumer, means means to promote the sale of the product, to induce repeated purchases to secure loyal customers.

Representative means of such discounts include discount coupons and mileage points.

The discount coupon is a producer, provider, and / or seller of the product, which distributes the discount coupon by setting a discount rate for the product, and applies the discount rate specified in the discount coupon to the customer who owns the discount coupon. The discount rate is not fixed because it is determined by the producer, provider, and / or seller of the product. Therefore, the discount coupon may provide an advantage of the purchase selection step for the competitive product, but is insufficient as a loyal customer acquisition means for repeatedly purchasing the product.

Mileage points are not discounts in a strict sense, except that if the product, producer, and / or seller of the product is purchased at the full price, part of the purchase amount is converted into value information, and the accumulated value information is accumulated. When the value is above a certain level, as providing an additional service corresponding to the value information, even if the value information is accumulated, the settlement amount is not discounted, and once the accumulated value information is used, it is extinguished. It is not enough to secure loyal customers to make purchases.

An object of the present invention to compensate for the above problems is a smart card having at least one or more discount storage information that changes the cumulative discount information according to the card usage history and / or the cumulative payment amount, and the use of the card for the smart card A cumulative discount smart card consisting of a card terminal device that accumulates performance and / or payment amount, changes cumulative discount information according to cumulative card usage history and / or payment amount, and applies a cumulative discount policy according to the changed cumulative discount information. Initializing the cumulative discount smart card system consisting of a system, and through the cumulative discount smart card system, and the cumulative card usage history and / or payment amount of the smart card equipped with the discount storage information through the cumulative discount smart card system; , Card usage and / or payment amount Cumulative card usage performance and / or payment amount according to the cumulative policy, and cumulative discount policy and cumulative card usage performance and / or change of cumulative discount information according to the payment amount. The present invention provides a smart card and a smart card payment system in which cumulative discount information is changed according to a payment amount.

The present invention relates to a smart card and a cumulative discount smart card system equipped with discount storage information in which cumulative discount information is changed according to the card usage history and / or the cumulative payment amount for a smart card equipped with an integrated circuit chip (ICC). And a smart card having at least one or more discount storage information in which cumulative discount information is changed according to the card usage history and / or the cumulative payment amount, and the payment amount is accumulated for the smart card, and the card usage history and / or accumulation Cumulative discount smart card system consisting of a card terminal device for changing the cumulative discount information according to the payment amount and applying the (cumulative) discount policy according to the changed cumulative discount information, and the discount storage information through the cumulative discount smart card system. Card usage and / or cumulative payment of smart cards with Initializing the amount; accumulating card usage and / or payments in accordance with the accumulated payment policy; and changing cumulative discount information in accordance with the cumulative discount policy and accumulated credit card usage and / or payment amount. It includes.

In the present invention, the smart card is a handheld-based medium of all types equipped with ICC equipped with a payment function (for example, a credit card), an ICC card of a plastic card size conforming to the standard of ISO 7810, and a dual slot ( And an ICC card mounted in a wireless terminal in the form of a dual slot, a dual chip, and / or a one chip.

In the present invention, the discount storage information has a function of accumulating the payment amount according to the storage result information of the card usage history and / or the payment amount accumulation policy, and changing the cumulative discount information according to the cumulative discount policy and the accumulated payment amount and / or Smart card storage information including information, the smart card of the present invention is provided with at least one or more discount storage information according to the field in which the cumulative discount is applied.

The discount storage information further includes a card usage history, and / or a card usage history storage policy.

According to the present invention, the card usage history storage policy and / or payment amount accumulation policy and / or cumulative discount policy are updated by the card issuer (including credit card companies).

For example, if the target of the cumulative discount is a financial product such as a credit card, the discount storage information is preferably added to the credit card storage information among the smart card storage information and mounted on the smart card [also, in this case, as the independent discount storage information. ], If the target of the cumulative discount is a specific merchant, sales agency, production organization, and / or a specific product, the discount storage information is mounted on the smart card in the form of independent storage information for the cumulative discount among the smart card storage information. It is preferable to be.

In the present invention, the subject that accumulates the payment amount in the discount storage information of the smart card according to the payment amount accumulation policy, and changes the cumulative discount information according to the cumulative discount policy and the accumulated payment amount, It may be performed by the cumulative discount module or by the card terminal device with reference to a cumulative amount of payment policy, cumulative discount policy, and cumulative amount of payment of the discount storage information.

For example, if the subject that accumulates the payment amount and changes the cumulative discount information is a smart card, the discount storage information includes a cumulative discount module corresponding to program code and / or information that is driven inside the smart card to perform a series of tasks. Preferably, the cumulative discount module is mounted only when the cumulative subject is a smart card such as an intelligent card. If the subject accumulating the payment amount and changing the cumulative discount information is the card terminal device, It is preferable that at least one or more pieces of information stored in the discount storage information, the cumulative payment amount, the cumulative payment amount, the cumulative discount policy, and / or the cumulative discount information are mounted.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

FIG. 1 is a simplified diagram of smart card storage information loaded with discount storage information 100 in which cumulative discount information is dynamically changed according to the accumulated payment amount.

Referring to the Integrated Circuit Chip (ICC) specification, which includes ISO / IEC 7816 and / or ISO / IEC 14443, etc., the ICC may include at least one computational processing element (eg, Central Process Unit (CPU), Micro Process Unit (MPU)). A coprocessor, at least one memory element (eg, Read Only Memory (ROM), Random Access Memory (RAM), Electrically Erasable and Programmable Read Only Memory (EEPROM), and Flash Memory (FM)), and It consists of a bus (BUS) for connecting the arithmetic element and the memory element, and the contact and / or contactless contact, etc. for interlocking the ICC with the wireless terminal through the ICC interface. In particular, at least one of the memory devices includes a chip operating system (COS) for managing and operating smart card internal resources, and at least one of the remaining memory devices for providing a smart card service. One or more digital information is stored.

According to a preferred embodiment of the present invention, the discount storage information for providing a function of dynamically changing the cumulative discount information according to the cumulative payment amount is at least one memory element (eg, EEPROM and / or FM) among the memory elements of the ICC. The memory device has a series of hierarchical structures as proposed in the ICC standard, and files on each hierarchical layer are distinguished by a delimiter.

Referring to the ICC specification, a smart card file structure in which discount storage information is stored to provide a function of dynamically changing cumulative discount information according to a cumulative settlement amount may include one master file corresponding to a root file. A Master File (MF), at least one Dedicated File (DF) classified according to smart card services and applications, and an element file storing data and / or information for a smart card service; EF) and the like.

In general, a master file is a file having a root level authority among the dedicated files, and all files on the smart card file structure can be accessed through the master file, and the dedicated file is used to provide a smart card service. A file including at least one piece of information and information on element files disposed below the storage file, wherein the storage information for providing an independent smart card service on the smart card file structure includes at least one dedicated file. The element file is a file including at least one information and / or data for providing a smart card service. The storage information for providing an independent smart card service on the smart card file structure includes at least one element file. have.

For example, in the smart card file structure as shown in FIG. 1, the master file exists at the top (= root) of all dedicated files and / or element files, and the card terminal device passes through a series of security modules and at least one dedicated file and / or In order to access the element file, the master file must pass through the master file. A lower part of the master file includes an element file that provides an Answer To Reset (ATR) function for checking and recovering an error about a command input from a card terminal device. May be included.

Further, at least one dedicated file and an element file for providing at least one smart card service provided through a smart card are disposed below the master file, wherein at least one of the dedicated files includes directory information. After that, the remaining dedicated files and element files are arranged on the smart card file structure according to the type and characteristic of the smart card service provided by the smart card.

Therefore, the discount storage information for providing a function of dynamically changing the cumulative discount information according to the cumulative payment amount is composed of a functional group such as at least one or more dedicated files and / or at least one or more element files disposed below. For example, a smart card service provider being granted access to the smart card from a card issuing authority means that he or she is authorized to access at least one or more dedicated files, element files, and the like on the smart file structure.

According to a preferred embodiment of the present invention, a smart card file structure includes at least one or more dedicated files (e.g., credit, debit, financial common network, electronic money, signature certificate, key distribution certificate, etc.) for each smart card service. At least one element file or the like disposed below is already stored as each smart card service storage information in a functional group, and the discount storage information proposed by the present invention is additionally mounted in the smart card file structure. It is done.

Referring to FIG. 1 according to a preferred embodiment of the present invention, the discount storage information 100 for providing a function in which the cumulative discount information is dynamically changed according to the cumulative payment amount is dynamically accumulated in the cumulative discount information according to the cumulative payment amount. A cumulative discount dedicated file 105 including basic information on a function to be changed and information on at least one element file included in the stored information, and a discount storage information 100 disposed below the dedicated file; At least one having an attribute of an element file containing program code and / or information for accumulating the payment amount according to the payment amount accumulation policy and dynamically changing the cumulative discount information according to the cumulative discount policy and / or the accumulated payment amount Cumulative discount module 110, the amount of payment cumulative policy including information about the policy to accumulate payment amount Element file 115, a cumulative payment amount element file 120 in which payment amounts are accumulated according to a payment amount accumulation policy, and information about a cumulative discount policy for dynamically changing cumulative discount information based on the accumulated payment amount. A cumulative discount policy element file 125, a cumulative discount information element file 130 including discount information that is dynamically changed based on the cumulative discount policy and the accumulated payment amount, and the like.

In addition, the discount storage information may be that the discount storage information is specific financial institutions (including credit card companies), and / or, merchants, and / or product sales agencies, and / or, product production organizations, and / or Recognize the particular financial institution (including credit card companies), and / or merchants, and / or commodity sales agencies, and / or commodity production organizations, and / or specific commodities, if applicable on a commodity basis. It characterized in that it comprises an institution for or merchant code and / or product code.

The discount storage information may further include a cumulative discount module for dynamically changing the discount information according to a card usage history and / or a cumulative payment amount, and information on a policy for storing the card usage history. According to the card usage record storage policy, it is noted that the card usage record element file for storing the card usage record can be additionally mounted.

The card usage record may include the number of times of use of the card and / or the number of times of use of the card more than a predetermined amount.

The discount storage information may include at least one of a card usage history and / or a card usage history storage policy, and / or a cumulative payment amount policy, and / or a cumulative payment amount, and / or a cumulative discount policy, and / or cumulative discount information. It is characterized by including.

The cumulative discount-only file 105 of the discount storage information 100 is a general dedicated file (for example, credit, debit, financial common network, electronic money, signature certificate, key distribution certificate file) disposed under the master file. It has the same characteristic, and it is characterized by including the unique characteristic that only one exists in the discount storage information 100. In general, the cumulative discount-only file 105 is for the card terminal device to accumulate a payment amount by accessing at least one or more element files through the cumulative discount module 110 of the discount storage information 100 and to change the cumulative discount policy. It includes at least one or more information.

The cumulative discount module 110 of the discount storage information 100 is disposed below the cumulative discount-only file 105, accumulates the payment amount according to the payment amount accumulation policy in the discount storage information 100, and accumulates the cumulative discount policy. And at least one program code and / or information for changing the cumulative discount information according to the accumulated payment amount. In general, the cumulative discount module 110 is a program and / or program code for operating a gift certificate through the gift certificate storage information is driven in the smart card, at least one or more conditional statements (eg, if ..., else if ..., else ...), Or at least one or more loops (eg, for…, while…, do… while), etc., additionally an expression (eg, +,-, /, *), an assignment expression (eg, a = b), and / or a pointer ( At least one logic code including a pointer) is included.

In addition, the cumulative discount module, when using the user's card, obtains access to the smart card discount storage information, the card usage history and / or cumulative payment amount information, and / or card information included in the smart card discount storage information An information extraction unit for extracting a usage history storage policy and / or a cumulative payment amount policy, and an information changing unit for changing card usage history and / or cumulative payment amount information according to the use of the card based on the extracted policy And generating a discount rate for generating a discount rate corresponding to the card usage history and / or cumulative payment amount information based on the smart card discount storage information or at least one (cumulative) discount policy included in the card terminal device when the card is used. And at least one discount rate providing unit for providing the generated discount rate to the card terminal device. The features.

The accumulated amount of payment policy element file 115 of the discount storage information 100 indicates that the cumulative discount module 110 of the card terminal device and / or the discount storage information 100 is connected to a specific financial institution (eg, a credit card company), a merchant, a product. An element file that includes a policy for accumulating payment amounts for a sales agency, a product producing institution, and / or a specific product, and the payment amount accumulation policy included in the payment amount accumulation policy element file 115 includes a card issuer and / or Alternatively, the discount storage information may be updated only by a card affiliated agency that issues the smart card.

According to a preferred embodiment of the present invention, the payment amount accumulation policy includes an effective period in which the payment amount accumulates, a cumulative waiting period for automatically initializing the corresponding payment amount when the payment amount does not accumulate for a predetermined period, and the accumulation of the accumulated payment amount The limit, the flag that determines whether or not the cumulative payment amount is automatically reset when the cumulative amount exceeds the cumulative limit, and / or if the discount amount accumulates at the cumulative level, the discounted amount is accumulated, or the original amount before the discount is made. Flags such as whether to accumulate.

In addition, according to a preferred method of the present invention, the cumulative payment amount is limited to payment for a specific financial institution (e.g., credit card company), a merchant, a product sales agency, a product producer, and / or a specific product. In this case, a financial institution (for example, a credit card company), a merchant, a merchandise sales agency, a merchandise production institution, and / or an institution for recognizing a specific product or the like may include a merchant code and / or a product code.

The cumulative payment amount element file 120 of the discount storage information 100 is an element file that includes the payment amount accumulated in the smart card according to the payment amount accumulation policy, and is accumulated from the payment amount accumulation policy and / or the card terminal device. It can be initialized by the amount of money initialization command.

According to a preferred embodiment of the present invention, the cumulative payment amount is accumulated for a valid period within a range not exceeding the cumulative limit amount, and the cumulative payment amount is dynamically changed through a cumulative discount policy or the like. Provide a basis for doing so.

The cumulative discount policy element file 125 of the discount store information 100 may include card usage history for specific financial institutions (eg, credit card companies), merchants, product sales agencies, product producers, and / or specific products, and / or An element file including a policy for dynamically changing cumulative discount information according to a cumulative payment amount, wherein the cumulative discount policy included in the cumulative discount policy element file 125 includes a smart card that stores card issuers and / or the discount storage information. It is characterized in that it is updated only by the card affiliated agency issued to.

According to a preferred embodiment of the present invention, the cumulative discount policy includes a valid period for dynamically changing the cumulative discount information according to the cumulative payment amount, a discount rate of the cumulative discount information that is dynamically changed according to the cumulative payment amount, and a cumulative discount that is dynamically changed. The maximum discount rate of the information, a flag that determines whether to apply the cumulative discount information from the current cumulative payment amount, whether to apply real-time cumulative discount information (for example, the card terminal device pays through the discounted payment amount) or is not discounted. A flag that determines whether to apply the cumulative discount information in the settlement step after the payment is made at the original amount, and a flag that determines whether to inherit the previous cumulative discount information when the discount storage information 100 is initialized. This includes.

In addition, the (cumulative) discount policy is characterized in that it comprises at least one policy of applying a discount rate of discount, such as the effective period of applying a discount rate, the general purchase discount rate policy, payment and / or cash services using a credit card.

In addition, according to a preferred method of the present invention, when the cumulative discount information is limited to only a specific financial institution (for example, credit card company), merchants, merchandise sales agencies, merchandise production institutions, and / or certain products, Financial institutions (e.g., credit card companies), merchants, merchandise sales agencies, merchandise production organizations, and / or organizations for recognizing specific goods, and the like, and merchant codes and / or product codes.

The cumulative discount information element file 130 of the discount storage information 100 is an element file including cumulative discount information that is dynamically changed according to the cumulative discount policy and / or the card usage history. It can be initialized by a cumulative discount information initialization command input from the.

According to a preferred embodiment of the present invention, the cumulative discount information is dynamically changed during the valid period within a range not exceeding the maximum cumulative discount rate, and the cumulative discount information changed as described above is the amount of payment at the time of the current payment and / or the next payment. Provide a basis for real-time discounts.

2 is a simple diagram in which the discount storage information 100 is mounted on the smart card storage information pre-loaded on the smart card.

Referring to FIG. 2, the discount storage information 100 is installed in credit card storage information pre-loaded in a smart card. The credit amount is accumulated in the credit card payment process, and the credit card cumulative payment amount is calculated. Accordingly, the cumulative discount information is dynamically changed, and a fee such as payment using a credit card and / or cash service is discounted.

In addition, referring to FIG. 2, the discount storage information 100 does not include the cumulative discount module 110 shown in FIG. 1, which accumulates payment amounts and dynamically changes the cumulative discount information. Because it is a device. However, if a person skilled in the art of the present invention intends to use the smart card as the subject of the dynamic change of the cumulative and cumulative discount information of the payment amount as described above, the cumulative discount module 110 may be additionally installed in the discount storage information 100. It is obvious.

According to FIG. 2, the credit card-only file to which the discount storage information 100 is added inherits the functions and features of the existing credit card-only, but manages the additional discount storage information 100 according to the present invention. A cumulative payment amount element file 115, a cumulative payment amount element file 120, a cumulative discount policy element file 125, and / or cumulative discount information 130 in which the card terminal device is disposed under a credit card-only file; Access to accumulate payment amount, and includes information that can dynamically change the cumulative discount information.

According to a preferred embodiment of the present invention, as shown in Fig. 2, the accumulated amount payment policy and the accumulated discount policy of the discounted storage information 100 added to the credit card storage information are transferred to the credit card storage information issuing institution (for example, credit card company). It can be renewed only by the credit card, and the object of which the payment amount is accumulated includes all payment amount that is settled through the credit card, and the target to which the cumulative discount information is applied also includes all the amount of payment settled through the credit card.

3 is a simplified diagram of a card terminal device 300 including a function of accumulating a payment amount through the discount storage information 100 mounted on a smart card and dynamically changing the cumulative discount information.

Referring to FIG. 3, the card terminal device 300 basically includes a control unit 305, a card interface 310, a key input unit 315, a screen output unit 320, a memory unit 325, and a communication processing unit 330. And various additional function processing units 350 and the like.

The control unit 305 is composed of a central processing unit (CPU), a read only memory (ROM), a random access memory (RAM), a system bus, and the like in hardware. Operating system and card terminal device 100 control management program executed after the process and / or booted as a general term for the application of the card terminal device 300, the overall operation of the card terminal device 100 (e.g., payment processing) is controlled. And management.

According to a preferred embodiment of the present invention, the controller 305 additionally accumulates the payment amount through the discount storage information 100 mounted on the smart card, and provides a function including a function of dynamically changing the accumulated discount information. It is characterized by.

That is, most operations and processes described below by the card terminal device 300 as a main body are performed through the control unit 305, or the control unit 305 is configured with at least one card terminal device 300 component. It is obvious that this is done in conjunction.

The card interface 310 is a device and / or system for interworking at least one smart card equipped with an integrated circuit chip (ICC) and the card terminal device 300. The card interface 310 may include ISO / IEC 7816 and / or ISO / IEC 14443. Based on at least one smart card standard that satisfies, the data exchange and / or transaction (transaction) between the card terminal device 300 and the smart card through a protocol such as APDU (Application Protocol Data Unit) It is done.

According to the smart card standard that satisfies ISO / IEC 7816 and / or ISO / IEC 14443, etc., the card interface 310 defines the card terminal device 300 as the master mode and the half-duplex that defines the smart card as the slave mode. Half duplex) communication. For example, when the card terminal device 300 transmits a series of commands to the smart card through the card interface 310, the smart card performs a series of tasks accordingly, and the result is the card terminal through the card interface 310. Return to device 300.

According to a preferred embodiment of the present invention, the card interface 310 includes a contact interface including a contact contact based on ISO / IEC 7816 and / or a contactless interface including a contactless contact based on ISO / IEC 14443 and the like. Etc. are provided.

The contact interface is an ICC interface method based on ISO / IEC 7816. The card terminal device 300 supplies electric power to the ICC and uses electrical contact as a means for exchanging data. The smart card linked to the card terminal device 300 through the contact interface as described above includes an electrical chip (Chip On Board; COB), when the smart card is inserted into the contact interface, the contact interface is Power is supplied to the ICC through at least one contact point (eg, VCC contact point) among the contact plates, and data exchange between the ICC and the card terminal device 300 is performed through at least one contact point (eg, I / O contact point). to provide.

Contactless Interface As an ICC interface method based on ISO / IEC 14443, the card terminal device 300 supplies power to the ICC and does not use electrical contact as a means for data exchange. The smart card interlocked with the card terminal device 300 through the contactless interface as described above includes an antenna interlocked with the card terminal device 300 through capacitive coupling and / or inductive coupling. When the smart card approaches the contactless interface, the contactless interface supplies power to the ICC through the antenna of the smart card in at least one of electrostatic coupling and / or electromagnetic induction, and between the ICC and the card terminal device 300. Provide data exchange.

The key input unit 315 includes a plurality of number keys, a character key for inputting a character, a function key, and the like, and includes an operator and / or a card terminal device 300. Alternatively, when a user presses a predetermined key, a general function of generating corresponding key data and transmitting it to the controller 305, a data item for inputting a function, an information input function, and a smart card for authenticating the validity It must include a function as an input device such as a PIN (Personal Identification Number) input function, and the specification thereof includes at least one smart card standard that satisfies ISO / IEC 7816 and / or ISO / IEC 14443, and the card terminal device. The smart card issuing institution and / or smart card service provider and the like interoperating with 300 characterized in that provided to meet the business standards.

According to a preferred embodiment of the present invention, the key input unit 315 accumulates the payment amount through the discount storage information 100 mounted on the smart card, and includes a function of dynamically changing the accumulated discount information. Characterized by generating at least one key data for providing to pass to the control unit 305.

The screen output unit 320 may output a key data generated by the key input unit 315 to the screen, and the controller 305 may include at least one card terminal device 300 component (eg, an additional function processor and / or Or outputting various information generated in association with the card interface 310, etc. on the screen, and outputting information and / or calculation results generated through a series of operations and processes within the card terminal device 300. Function, and outputting information transmitted and received with the server 365 and / or the device on the network through the network communication module 335 of the communication processing unit 330, and the external communication module 340 of the communication processing unit 330 A function of outputting information transmitted / received with the external device 355 and / or a function of outputting information transmitted / received with the local area communication device 360 through the local area communication module 345 of the communication processor 330. Offering special It shall be.

According to a preferred embodiment of the present invention, the screen output unit 320 accumulates a payment amount through the discount storage information 100 mounted on the smart card, and includes a function of dynamically changing the cumulative discount information. And at least one information for providing a service on a screen.

The memory unit 325 is mounted on the card terminal device 300 as at least one or more storage media (eg, EEPROM (Electrically Erasable and Programmable Read Only Memory), FM (Flash Memory), or HDD (Hard Disk Drive)) in hardware. In addition, a predetermined program code for controlling the overall operation of the card terminal device 300 and data input / output when an operation by the program code (for example, an application linked with a smart card) is performed by software are included. As a general term for the space and / or storage area to be stored, the memory unit 325 of the card terminal device 300 may protect at least one or more data in the memory unit 325 in order to ensure data integrity. It may have a special storage space set as an area, the stored data is at least one or more satisfying ISO / IEC 7816 and / or ISO / IEC 14443, etc. A smart card standard and a smart card issuing organization and / or a smart card service providing agency interoperating with the card terminal device 300 are provided to meet a business standard.

According to a preferred embodiment of the present invention, the memory unit 325 accumulates a payment amount through the discount storage information 100 mounted on the smart card, and smart card service including a function of dynamically changing the cumulative discount information. And at least one program code for providing the data and / or data and / or information generated by the program code.

The communication processing unit 330 is composed of at least one device for connecting the card terminal device 300 to the outside and / or network in hardware, the software card terminal device 300 to the external and / or network in software As a generic term of at least one communication application for connecting to the data, details of data communication provided by the communication processing unit 330 are supported by a communication module mounted in the communication processing unit 330 of the card terminal device 300. Communication protocols and standards, and the communication protocols and standards provided by the device and / or server and the like connected to the card terminal device 300 via a communication and / or network by cable or basis.

According to a preferred embodiment of the present invention, the communication processing unit 330 is connected to the server 365 and / or device and the card terminal device 300 on the network through a network communication module 335, cables and / or ports An external communication module 340 for connecting the external device 355 and the card terminal device 300 by wire, and / or wirelessly connecting the local area communication device 360 and the card terminal device 300 through short-range wireless communication. A short range communication module 345 is provided for the purpose.

The network communication module 335 of the communication processing unit 330 includes at least one device (eg, a modem or a network interface card (NIC)) for connecting the card terminal device 300 to the network in hardware. In addition, it is characterized in that the software terminal provides a function for connecting the card terminal device 300 with the upper server and / or network device through a network. Details of the network communication module 335 may include at least one communication protocol and / or the network communication module valid for a network (eg, the Internet and / or a value added network (VAN)) to which the network communication module 335 is connected. A communication protocol provided by an upper server and / or a network device connected through 335 is provided.

According to a preferred embodiment of the present invention, the network communication module 335 provides a payment transaction with a payment server 365 or the like to process a dynamically discounted payment through a smart card equipped with the discount storage information 100. It is done.

The external communication module 340 of the communication processor 330 may include at least one serial communication port (eg, a RS-232c (Recommended Standard-232C) port) for connecting the card terminal device 300 with an external device in hardware. Universal Serial Bus (USB) port and parallel communication port (eg, LPT (Line Print Terminal)) and the like, and connect the card terminal device 300 to an external device through a communication port and a wired cable by software. It provides a function. Details of the external communication module 340 correspond to at least one communication protocol compatible with an external device (eg, a point of sale (POS) and / or an external printer) to which the external communication module 340 is connected. Follow.

According to a preferred embodiment of the present invention, the external communication module 340 accumulates the payment amount through the discount storage information 100 mounted on the smart card, and provides a function for dynamically changing the cumulative discount information. Point of Sale (POS) terminal device for generating an amount of money or a computer (for example, in the case of online payment), and the like.

The short range communication module 345 of the communication processor 330 may include at least one short range communication device (eg, an infrared ray port) for connecting the card terminal device 300 with the short range communication device 360 in hardware. RF (Radio Frequency) tag, Bluetooth (Bluetooth, wireless LAN card, etc.), and the software in the near field communication (for example, infrared ray communication, RF (Radio Frequency) communication, It provides a function of connecting with a short-range communication device through Bluetooth, Wireless LAN, Wi-Fi, etc.). Details of the short range communication module 345 may be provided to a short range communication device 360 to which the short range communication module 345 is connected (for example, a wireless terminal that provides Infrared Financial Messaging (IrFM) of an Infrared Data Association (IrDA)). Comply with at least one local area communication protocol that is compatible.

According to a preferred embodiment of the present invention, the short-range communication module 345 to accumulate the payment amount through the discount storage information 100 mounted on the smart card, and to provide a function for dynamically changing the cumulative discount information For a wireless terminal equipped with the communication module 345 (for example, when a smart card equipped with discount storage information is mounted in the wireless terminal) and a payment transaction and / or a cumulative payment amount and / or a dynamic discount transaction for changing the cumulative discount information. It is characterized by providing a short range.

In addition to the basic components of the card terminal device 300 as described above, the additional function processor 350 may be additionally provided to the card terminal device 300 according to the environment and role in which the card terminal device 300 is operated. And / or as a generic name of the system, the representative additional function processing unit 350 that can be mounted on the card terminal device 300 includes a secure application module (SAM) system or a printer for printing receipts, bills for cash payment Emitters and the like. Details of the additional function processing unit 350 are in accordance with respective protocols and / or standards supported by the devices and / or systems added to the additional function processing unit.

In addition, according to the present invention, the card terminal device includes a card usage history storage policy information including information on a policy for storing the card usage history, and a payment amount accumulation policy including information on a policy for accumulating the payment amount. And at least one cumulative discount policy information including information about a cumulative discount policy for dynamically changing cumulative discount information based on the card usage history and / or the accumulated payment amount.

In addition, the card terminal device acquires an access right to the smart card discount storage information when the user uses the card, the card usage history and / or cumulative payment amount information included in the smart card discount storage information, and / or An information extraction unit for extracting a card usage record storage policy and / or a payment amount accumulation policy, and changing card use history and / or cumulative payment amount information according to the use of the card based on the extracted policy; An information change unit for providing the smart card to the smart card and the card usage history and / or the cumulative payment amount based on the smart card discount storage information or at least one (cumulative) discount policy included in the card terminal device when the card is used. A discount rate generation unit for generating a discount rate corresponding to the information and applying the generated discount rate to the smart card; It is noted that may be configured to include at least one discount rate application unit.

4 is a simple flowchart illustrating a process of dynamically changing a payment amount and cumulative discount information in the discount storage information 100 included in the smart card by the card terminal device 300.

4 according to a preferred embodiment of the present invention, for example, the cumulative discount module 110 is not mounted in the discount storage information 100, and the settlement amount accumulation policy element includes information on a policy for accumulating the settlement amount. File 115, a cumulative payment amount element file 120 in which payment amounts are accumulated according to the payment amount accumulation policy, and a cumulative discount policy including information about a cumulative discount policy that dynamically changes the cumulative discount information based on the accumulated payment amount. The discount policy element file 125 and the cumulative discount information element file 130 including the discount information dynamically changed based on the cumulative discount policy and the accumulated payment amount are included.

Referring to FIG. 4, a process in which the card terminal device 300 dynamically accumulates a payment amount in the discount storage information 100 included in the smart card and dynamically changes the cumulative discount information may be performed by the card terminal device 300. It is started when at least one payment amount that can be accumulated in the mounted discount storage information 100 is extracted and / or generated, and is performed before the payment transaction is generated through the card terminal device 300 to be dynamically discounted. The payment may be processed by the payment amount, or may be performed after the payment transaction occurs to process the payment by the dynamically discounted payment amount in the next payment process.

Therefore, if at least one or more payment amounts that can be accumulated in the discount storage information 100 mounted on the smart card are extracted and / or generated 400 in the card terminal device 300, the card terminal device 300 may be configured with at least one card. The cumulative discount validity of the smart card on which the discount storage information 100 is mounted is confirmed through the interface 310 (405).

For example, the cumulative discount validation process is to authenticate whether the discount storage information 100 usable on the smart card is mounted or whether the discount storage information 100 mounted on the smart card is available. The validity checking process is based on a method determined by a card issuing agency and / or a card affiliation agency equipped with the discount storage information 100 on the smart card.

If the cumulative discount validity for the smart card is not authenticated through the process (410), the card terminal device 300 forcibly terminates the process of accumulating the payment amount through the smart card and dynamically changing the cumulative discount information. do.

On the other hand, if the cumulative discount validity for the smart card is authenticated (415), the card terminal device 300 extracts a payment amount accumulation policy and a cumulative payment amount accumulated so far from the discount storage information 100 of the smart card. In operation 420, it is determined whether a payment amount that is currently extracted and generated based on the payment amount accumulation policy and the accumulated payment amount is accumulated in the accumulated payment amount.

According to the present invention, the payment amount accumulation policy includes a policy and a condition for accumulating the payment amount in the cumulative payment amount, and the card terminal device 300 refers to the payment amount currently extracted and generated with reference to the payment amount accumulation policy. Determine whether to accumulate the amount in the cumulative payment amount.

If the present condition does not satisfy a condition for accumulating the currently extracted and generated payment amount in the cumulative payment amount (425), the card terminal device 300 initializes the cumulative payment amount (eg, the cumulative limit amount). Check whether or not to meet (430).

If the condition for initializing the cumulative payment amount is satisfied based on the payment amount accumulation policy and the cumulative payment amount (435), the card terminal device 300 accumulates payment of the discount storage information 100 of the smart card. A command for initializing the amount of money is transmitted (440), and the discount storage information 100 of the smart card initializes the cumulative payment amount according to the command.

On the other hand, if the cumulative payment amount condition is not satisfied and the initialization condition of the cumulative payment amount is not satisfied at step 445, the card terminal device 300 receives the accumulation amount result (eg, the accumulation amount of the payment amount). The process is output to the screen output unit 320, and the process of accumulating the currently extracted and generated payment amount in the accumulated payment amount is terminated.

On the other hand, if the condition that can accumulate the currently extracted and generated payment amount to the cumulative payment amount, or if the cumulative payment amount is initialized, the card terminal device 300 determines the currently extracted and generated payment amount from the payment amount accumulation policy. Based on the accumulated payment amount (450), the accumulated payment amount is updated to the accumulated payment amount element file 120 of the discount storage information 100 mounted on the smart card (455).

When the currently extracted and generated payment amount is accumulated in the cumulative payment amount through the above process, the card terminal device 300 accumulates the cumulative discount policy from the discount storage information 100 of the smart card and the cumulative discount dynamically changed up to now. Information is extracted (460), and it is determined whether the condition for dynamically changing the cumulative discount information is satisfied based on the cumulative discount policy and the dynamically changed cumulative discount information.

According to the present invention, the cumulative discount policy includes a policy and a condition for changing the cumulative discount information, and the card terminal device 300 dynamically accumulates the dynamic discount to date by referring to the cumulative discount policy and the accumulated amount of payment. Decide if you want to dynamically change the discount information.

If the condition for additionally dynamically changing the cumulative discount information dynamically changed so far is not satisfied (465), the card terminal device 300 checks whether the cumulative discount policy (eg, exceeding a maximum discount rate) is satisfied. (470).

If the condition for initializing the cumulative discount information is satisfied based on the cumulative discount policy and the cumulative payment amount and / or cumulative discount information, the card terminal device 300 accumulates the cumulative discount storage information 100 of the smart card. A command for initializing the accumulated discount information of the smart card is transmitted (475), and the discount storage information 100 of the smart card initializes the accumulated discount information according to the command.

On the other hand, if the condition for dynamically changing the cumulative discount information is not satisfied and the initializing condition for the cumulative discount information is not satisfied (480), the card terminal device 300 dynamically changes the cumulative discount information. For example, a dynamic change cannot be output) to the screen output unit 320, and the process of dynamically changing the cumulative discount information is terminated.

On the other hand, if the condition for dynamically changing the cumulative discount information is satisfied based on the cumulative discount policy and the cumulative discount information, or if the cumulative discount information is initialized, the card terminal device 300 is configured based on the cumulative discount policy and the cumulative payment amount. The cumulative discount information is dynamically changed (485), and the cumulative discount information dynamically changed as described above is updated with the cumulative discount information element file 130 of the discount storage information 100 mounted on the smart card (490).

The process of accumulating the cumulative payment amount of the discount storage information 100 mounted on the smart card or dynamically changing the cumulative discount information to update the element file of the corresponding discount storage information 100 through the above process is performed. Upon successful execution, the card terminal device 300 outputs the currently extracted and generated payment amount accumulation result and / or dynamic change result of the accumulated discount information to the screen output unit 320, and accumulates the payment amount, or The process of dynamically further changing the cumulative discount information is completed (495).

5 is a simple flowchart of a process of dynamically accumulating a payment amount and cumulative discount information by the cumulative discount module 110 of the discount storage information 100 included in the smart card.

5 according to a preferred embodiment of the present invention, for example, the cumulative discount module 110 is mounted in the discount storage information 100, so that the cumulative discount module 110 includes information on the policy that accumulates the payment amount A cumulative payment amount based on the payment amount accumulation policy element file 115 and a cumulative payment amount element file 120 in which the payment amount is accumulated according to the payment amount accumulation policy, and based on the accumulated payment amount as described above. Cumulative discount policy element file 125 that contains information about a cumulative discount policy that dynamically changes cumulative discount information, and a cumulative discount that includes discount information that dynamically changes based on the cumulative discount policy and the accumulated payment amount. This is a case where the cumulative discount information is dynamically changed based on the information element file 130 or the like.

Referring to FIG. 5, a process of dynamically accumulating a payment amount and cumulative discount information by the cumulative discount module 110 of the discount storage information 100 may be performed by storing the discount mounted on the smart card in the card terminal device 300. At least one payment amount that can accumulate in the information 100 is extracted and / or generated, and is initiated when the payment amount is transferred to the discount storage information 100 through a smart card.

Therefore, when at least one or more payment amounts that can be accumulated in the discount storage information 100 mounted on the smart card are extracted and / or generated in the card terminal device 300, the card terminal device 300 may be configured to at least one card. The interface 310 verifies the cumulative discount validity of the smart card on which the discount storage information is mounted (505).

For example, the cumulative discount validation process is to authenticate whether the discount storage information 100 usable on the smart card is mounted or whether the discount storage information 100 mounted on the smart card is available. The validity checking process is based on a method determined by a card issuing agency and / or a card affiliation agency equipped with the discount storage information 100 on the smart card.

If the cumulative discount validity for the smart card is not authenticated through the above process (510), the card terminal device 300 forcibly terminates the process of accumulating the payment amount through the smart card and dynamically changing the cumulative discount information. do.

On the other hand, if the cumulative discount validity for the smart card is authenticated, the card terminal device 300 provides the currently extracted and generated payment amount to the smart card, and based on the payment amount, the payment through the cumulative discount module 110. The amount is accumulated in the cumulative payment amount, and the smart card is instructed through the card interface 310 to dynamically change the cumulative discount information based on the accumulated payment amount and the cumulative discount policy (515).

When the payment amount currently extracted and generated from the card terminal device 300 to the smart card is provided through the above process, the payment amount is accumulated in the cumulative payment amount, and a command for dynamically changing the cumulative discount information is input. In operation 520, the cumulative discount module 110 accumulates the cumulative discount information, and transmits the payment amount, the payment amount accumulation command and / or the dynamic change command of the cumulative discount information to the cumulative discount module 110 (520).

When the payment amount currently extracted and generated from the smart card and the cumulative payment amount are accumulated in the cumulative payment amount, and a command for dynamically changing the cumulative discount information is received, the cumulative discount module 110 accumulates the payment amount. Based on the policy and the accumulated payment amount up to now, it is determined whether the payment amount provided from the card terminal device 300 is accumulated in the accumulated payment amount (525).

If the condition for accumulating the payment amount provided from the card terminal device 300 in the cumulative payment amount is not satisfied (530), the cumulative discount module 110 may determine that the payment amount accumulation policy is to initialize the cumulative payment amount. It is checked whether the condition (eg, the cumulative limit exceeded) is satisfied (535).

If the condition for initializing the cumulative payment amount is satisfied based on the payment amount accumulation policy and the cumulative payment amount so far, the cumulative discount module 110 initializes the cumulative payment amount (540).

On the other hand, if the cumulative payment amount condition is not satisfied and the initialization condition of the cumulative payment amount is not satisfied (545), the cumulative discount module 110 may accumulate the payment amount accumulation result (eg, the accumulation amount of the payment amount). Generate and return to the card terminal device 300, the card terminal device 300 outputs the result of the accumulated payment amount to the screen output unit 320, and accumulates the currently extracted and generated payment amount in the cumulative payment amount To exit.

On the other hand, if the present condition that can be accumulated and accumulated payment amount to the cumulative payment amount is satisfied, or if the cumulative payment amount is initialized, the cumulative discount module 110 pays the payment amount provided from the card terminal device 300 It accumulates in the cumulative payment amount based on the cumulative policy (550) and is updated with the cumulative payment amount element file (120).

When the payment amount provided from the card terminal device 300 is accumulated in the cumulative payment amount through the above process, the cumulative discount module 110 accumulates the cumulative discount policy, the accumulated payment amount up to now and / or the dynamic change up to the present date. On the basis of the discount information, it is checked whether the condition for dynamically changing the cumulative discount information is satisfied (555).

According to the present invention, the cumulative discount policy includes a policy and a condition for changing the cumulative discount information. The cumulative discount module 110 is dynamically changed to the present day by referring to the cumulative discount policy and the accumulated payment amount. Decide whether to dynamically change the cumulative discount information.

If the condition for additionally dynamically changing the cumulative discount information dynamically changed to the present time is not satisfied (560), the cumulative discount module 110 checks whether the cumulative discount policy (eg, exceeding the highest discount rate) is satisfied. (565).

If the condition for initializing the cumulative discount information is satisfied based on the cumulative discount policy and the cumulative payment amount and / or cumulative discount information, the cumulative discount module 110 initializes cumulative discount information (570).

On the other hand, if the condition for dynamically changing the cumulative discount information is not satisfied and the initializing condition for the cumulative discount information is not satisfied (575), the cumulative discount module 110 dynamically changes the cumulative discount information as a result ( For example, a dynamic change cannot be generated) and returned to the card terminal device 300, and the card terminal device 300 outputs the cumulative discount information change result to the screen output unit 320, and dynamically changes the cumulative discount information. End the process.

On the other hand, if the condition for dynamically changing the cumulative discount information is satisfied based on the cumulative discount policy and the cumulative discount information, or if the cumulative discount information is initialized, the cumulative discount module 110 is based on the cumulative discount policy and the cumulative payment amount. The cumulative discount information is dynamically changed (580) and updated with the cumulative discount information element file (130).

The process of accumulating the cumulative payment amount of the discount storage information 100 mounted on the smart card or dynamically changing the cumulative discount information to update the element file of the corresponding discount storage information 100 through the above process is performed. Upon successful execution, the cumulative discount module 110 generates a result of accumulating the payment amount provided from the card terminal device 300 in the cumulative payment amount and / or a result of dynamically changing the cumulative discount information, and the like, and thus, the card terminal device 300. In operation 585, the card terminal device 300 outputs the payment amount accumulation result and / or the cumulative discount information change result to the screen output unit 320, and accumulates the payment amount and / or cumulative discount information. Complete the process of dynamic change (590).

According to the present invention, a smart card and a cumulative discount smart card system including discount storage information in which cumulative discount information is changed according to an accumulated payment amount for a smart card equipped with an integrated circuit chip (ICC), the discount storage information By resetting the cumulative payment amount of the smart card equipped with the cumulative payment amount according to the payment amount accumulation policy, and changing the cumulative discount information according to the cumulative discount policy and the accumulated payment amount, the client more conveniently There is an advantage that can be provided a differential discount service.

Card operators can provide differentiated services to their clients based on their card usage history, which has the advantage of securing more card users.

Claims (28)

A cumulative payment amount element file that stores payment amount information accumulated by the use of the card, An IC chip having a predetermined discount storage information file including a discount information element file for storing at least one discount information changed in correspondence with accumulated payment amount information; IC chip interface for performing data input and output with the card terminal device, Each time the card is used, the cumulative payment amount information stored in the cumulative payment amount element file is updated based on the payment amount information provided from the card terminal device through the IC chip interface, and a discount corresponding to the updated accumulated payment amount information is obtained. A smart card having a program for extracting information from the discount information element file and providing the information to the card terminal device through the IC chip interface; And And a card terminal device providing payment amount information to the smart card through a predetermined card interface and receiving discount information from the smart card through the card interface. The method of claim 1, wherein the smart card, IC card, and / or Smart card automatic discount system, characterized in that it comprises at least one ICC mounted or detached to a wireless terminal in the form of a dual slot, a dual chip, and / or one chip . delete The method of claim 1, wherein the discount storage information file, A cumulative amount of payment policy element file that stores the cumulative amount of payment due to the card, Smart card automatic discount system, characterized in that it further comprises at least one discount policy element file for determining the discount rate in accordance with the accumulated payment amount. delete The method of claim 1, wherein the discount storage information file, A smart card automatic discount system comprising at least one dedicated file and / or a functional group of at least one or more element files. delete The method of claim 1, wherein the discount storage information file, The discount storage information file is limited to a specific financial institution (including a credit card company), and / or to a merchant, and / or to a product sales agency, and / or to a product producing institution and / or to a specific product. If it is, The specific financial institution (including credit card companies), and / or merchants, and / or merchandise sales agencies, and / or merchandise producers, and / or agencies or merchant codes and / or merchandise for recognizing specific merchandise; Smart card automatic discount system, characterized in that it further comprises a code. delete According to claim 1, wherein the program, At least one conditional statement (eg, if…, else if…, else…), At least one loop (eg, for…, while…, do… while), At least one expression (eg, +,-, /, *), At least one assignment equation (eg, a = b), Smart card automatic discount system comprising a logic code including at least one or more pointers. The method of claim 4, wherein the payment amount accumulation policy element file, Cumulative waiting period, Cumulative limit of cumulative payments, A flag that determines whether to automatically reset the cumulative payment amount when the cumulative payment amount exceeds the cumulative limit, Smart card automatic discount system, characterized in that it comprises at least one flag for accumulating the discounted amount or the original amount before the discount if the discounted amount is discounted in the accumulation step. delete The method of claim 4, wherein the discount policy element file, Smart card automatic discounts, which are established by specific financial institutions (including credit card companies), and / or by merchants, and / or by merchandise sales agencies, and / or by merchandise producers, and / or by specific merchandise. system. The method of claim 4, wherein the discount policy element file, Discount period validity period, General purchase discount policy, Smart card automatic discount system, characterized in that it comprises at least one policy of applying a discount rate fee, such as payment and / or cash services using a credit card. A cumulative payment amount element file that stores payment amount information accumulated by the use of the card, An IC chip having a predetermined discount storage information file including a discount information element file for storing at least one discount information changed in correspondence with accumulated payment amount information; A smart card having an IC chip interface for performing data input / output with a card terminal device; And A card interface connected to the IC chip interface of the smart card to perform predetermined data input / output; Accessing the IC chip of the smart card through the card interface, updating cumulative payment amount information stored in the cumulative payment amount element file, and extracting discount information corresponding to the cumulative payment amount information from the discount information element file Smart card automatic discount system comprising a; card terminal device having a control unit for controlling the thing. The method of claim 15, wherein the smart card, IC card, and / or Smart card automatic discount system, characterized in that it comprises at least one ICC mounted or detached to a wireless terminal in the form of a dual slot, a dual chip, and / or one chip . delete The method of claim 15, wherein the discount storage information file, A cumulative amount of payment policy element file that stores the cumulative amount of payment due to the card, Smart card automatic discount system, characterized in that it further comprises at least one discount policy element file for determining the discount rate in accordance with the accumulated payment amount. delete The method of claim 15, wherein the discount storage information file, A smart card automatic discount system comprising at least one dedicated file and / or a functional group of at least one or more element files. delete The method of claim 15, wherein the discount storage information file, The discount storage information file is limited to a specific financial institution (including a credit card company), and / or to a merchant, and / or to a product sales agency, and / or to a product producing institution and / or to a specific product. If it is, The specific financial institution (including credit card companies), and / or merchants, and / or merchandise sales agencies, and / or merchandise producers, and / or agencies or merchant codes and / or merchandise for recognizing specific merchandise; Smart card automatic discount system, characterized in that it further comprises a code. The method of claim 18, wherein the payment amount accumulation policy element file, Cumulative waiting period, Cumulative limit of cumulative payments, A flag that determines whether to automatically reset the cumulative payment amount when the cumulative payment amount exceeds the cumulative limit, Smart card automatic discount system, characterized in that it comprises at least one flag for accumulating the discounted amount or the original amount before the discount if the discounted amount is discounted in the accumulation step. delete 19. The system of claim 18, wherein the discount policy element file is Smart card automatic discounts, which are established by specific financial institutions (including credit card companies), and / or by merchants, and / or by merchandise sales agencies, and / or by merchandise producers, and / or by specific merchandise. system. 19. The system of claim 18, wherein the discount policy element file is Discount period validity period, General purchase discount policy, Smart card automatic discount system, characterized in that it comprises at least one policy of applying a discount rate fee, such as payment and / or cash services using a credit card. The card terminal apparatus of claim 15, Payment amount accumulation policy information including information on a policy for accumulating the payment amount; Smart card automatic discount system, characterized in that it comprises at least one cumulative discount policy information including information on the cumulative discount policy for dynamically changing the discount information based on the accumulated payment amount. delete

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