KR101783706B1 - Smart multi card for using a plurality of output means at the sametime and method for performing payment and saving by smart multi card - Google Patents

Smart multi card for using a plurality of output means at the sametime and method for performing payment and saving by smart multi card Download PDF

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KR101783706B1
KR101783706B1 KR1020150155653A KR20150155653A KR101783706B1 KR 101783706 B1 KR101783706 B1 KR 101783706B1 KR 1020150155653 A KR1020150155653 A KR 1020150155653A KR 20150155653 A KR20150155653 A KR 20150155653A KR 101783706 B1 KR101783706 B1 KR 101783706B1
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card
card information
information
accumulation
smart
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KR1020150155653A
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Korean (ko)
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KR20170053315A (en
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배재훈
정병철
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브릴리언츠 주식회사
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Priority to KR1020150155653A priority Critical patent/KR101783706B1/en
Priority to EP16862497.1A priority patent/EP3346420A4/en
Priority to US15/768,952 priority patent/US20190066094A1/en
Priority to PCT/KR2016/012695 priority patent/WO2017078482A1/en
Publication of KR20170053315A publication Critical patent/KR20170053315A/en
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Publication of KR101783706B1 publication Critical patent/KR101783706B1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G06K19/0725—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs the arrangement being a circuit for emulating a plurality of record carriers, e.g. a single RFID tag capable of representing itself to a reader as a cloud of RFID tags
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07796—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card arrangements on the record carrier to allow stacking of a plurality of similar record carriers, e.g. to avoid interference between the non-contact communication of the plurality of record carriers
    • 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
    • G06Q20/16—Payments settled via telecommunication systems
    • 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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  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Hardware Design (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a smart multi-card capable of simultaneously using a plurality of card output methods and a method of performing settlement using the same.
More specifically, according to an embodiment of the present invention, a smart multi-card device that can simultaneously use a plurality of card output methods includes a storage unit that stores one or more pieces of card information having individual card output methods input from a user, Wherein each of the sensors includes a sensor unit in which at least one or more pieces of card information among at least one card information input from the user are correspondingly matched and, when there is a user's touch to a specific sensor among the at least one sensor, And a control unit for controlling the payment or accumulation to be performed according to the card output method of the loaded card information. When a plurality of pieces of card information matched to the specific sensor are included, Wherein the payment or accumulation is performed such that each of the plurality of card information is loaded The load a plurality of cards can be done at the same time according to the respective output card method.

Description

TECHNICAL FIELD [0001] The present invention relates to a smart multi-card capable of simultaneously using a plurality of card output methods, and a method of performing settlement or accumulation using the smart multi-

The present invention relates to a smart multi-card capable of simultaneously using a plurality of card output methods, and more particularly, to a smart multi-card including a plurality of card information having individual output methods, And a method of performing settlement or accumulation at the same time using an output method of each of a plurality of cards having different output methods.

Since the industrialization of modern society, credit card which is called "plastic money" has been used for money as much as money after going through rapid information and credit.

As a result, the number of credit cards held by ordinary adults has also increased significantly, with fewer than two to three cards, and more than ten cards per person. Therefore, credit cards are frequently used.

In addition, according to the activation of marketing, issuance of various point cards became an essential marketing item in most businesses based on B2C (Business to Consumer). Now, small-scale stores located in the alley area are generally used to increase sales .

As a result, the number of cards issued by an individual is unknown, but it is a reality that each individual has not correctly grasped the kind of card they have been issued. Eventually, in most cases, the card is discarded, Only the issuance costs are generated.

In addition, the point card and the discount card of a shop which does not frequently visit a shop frequently have a point card and a discount card of the shop even if the customer actually visits the store frequently, so that the point card and the discount card are routinely unavailable.

In such a case, the consumer may feel uncomfortable, and the card issuance itself may be avoided due to the complicated management of the card. In addition, since the company incurs unnecessary marketing costs, it ultimately leads to waste and irrationality in all aspects of demand-supply.

On the other hand, in the case of credit cards, which were deemed to be highly utilized compared to point cards, the number of credit cards per person in 2001 was 4, but since then, the number of credit cards per capita has increased to 4.9 in 2011, The number is about 122.31 million.

However, as mentioned above, the number of credit card issuers and holdings showed a steady growth rate, but only 1.4 cards are actually used. Therefore, most of the credit cards held by individuals are dormant cards, and as a result, about 20 million or more (about 40 billion won or more) are being abandoned.

Furthermore, if you include a variety of cards, such as debit cards, check cards, cash cards, and prepaid cards, for marketing purposes such as point cards or discount cards, astronomical costs will be wasted.

Therefore, a method for solving the above problems is required.

Korean Patent Registration No. 10-0926364 (published on 09.11.10)

It is an object of the present invention to provide a smart multi-card including a plurality of card information having any one of a contact type output method, a non-contact type output method, and an output method using a smart device, .

Another object of the present invention is to provide a smart multi-card capable of performing settlement or accumulation by simultaneously using a plurality of card output methods in order to solve the above problems.

Another object of the present invention is to reduce the cost of producing unnecessary cards by storing information of a plurality of cards on a single card and to allow the user to settle or accumulate the multiple cards simultaneously according to the respective card output methods And a smart multi-card which can be used in a mobile terminal.

It is still another object of the present invention to provide a method for performing settlement or accumulation through a smart multi card capable of simultaneously using a plurality of card output methods.

The technical problems to be solved by the present invention are not limited to the technical problems and other technical problems which are not mentioned can be understood by those skilled in the art from the following description.

According to an aspect of the present invention, there is provided a smart multi-card device capable of simultaneously using a plurality of card output methods, including a storage unit for storing one or more pieces of card information having individual card output methods input from a user, Wherein each of the plurality of sensors includes a sensor unit in which at least one or more pieces of card information inputted from the user are correspondingly matched with each other, And a controller for loading the card information matched to the specific sensor and controlling settlement or accumulation according to the card output method of the loaded card information, wherein the card information matched to the specific sensor is a plurality of In the personal case, the payment or accumulation may be performed by As the load is loaded, the plurality of cards, each card in the output system may be made at the same time.

In a smart multi-card device capable of simultaneously using a plurality of card output methods according to an embodiment of the present invention, the card output method may be any one of a contact type output method, a non-contact type output method, and an output method using a smart device .

In the smart multi-card device capable of simultaneously using a plurality of card output methods according to an embodiment of the present invention, the contact-based output method is a method in which when the smart multi-card is contacted or inserted into a contact- And the non-contact type output method is a method in which the smart multi-card is recognized by the contactless payment terminal and the settlement or accumulation is performed. In the output method using the smart device, the card stored in the smart device is transmitted to the smart multi- And the payment or accumulation is performed through the contact or non-contact type payment terminal by loading the card.

In a smart multi-card device capable of simultaneously using a plurality of card output methods according to an embodiment of the present invention, a plurality of card information matched to the specific sensor may have different card output methods.

In a smart multi-card device capable of simultaneously using a plurality of card output methods according to an embodiment of the present invention, a plurality of pieces of card information matched with the specific sensor may be used as at least one of the card information for payment and the card information for accumulation And may include card information.

In the smart card device capable of simultaneously using a plurality of card output methods according to an embodiment of the present invention, the matching can be directly set by a user.

In a smart multi-card device capable of simultaneously using a plurality of card output methods according to an embodiment of the present invention, it is possible to distinguish a plurality of situations in which a user uses a card, At least one or more pieces of card information used for each of the multiple situations may be set corresponding to the plurality of sensors.

In the smart multi-card device in which a plurality of card output methods according to an embodiment of the present invention can be used at the same time, the sensor unit includes a touch sensor, the plurality of situations being based on the touch number of the touch sensor The payment or accumulation may be performed using one or more pieces of card information matched to the number of times the user touches the touch sensor.

The smart multi-card device capable of simultaneously using a plurality of card output methods according to an embodiment of the present invention includes a display unit, wherein the display unit displays one or more pieces of card information and a card output method input from the user, And information on the information and the card output method.

In a smart card device capable of simultaneously using a plurality of card output methods according to an exemplary embodiment of the present invention, the card output method includes a bar code output method, wherein a contact of a user to a specific one of the one or more sensors The controller controls the display unit to display the barcode information corresponding to the card information matched to the specific sensor, and the payment or accumulation may be performed when the payment terminal scans the displayed barcode information .

According to another aspect of the present invention, there is provided a method of performing settlement or accumulation using a smart multi-card capable of simultaneously using a plurality of card output methods according to an embodiment of the present invention, Matching at least one or more pieces of card information among the one or more pieces of card information input from the user corresponding to a plurality of sensors in the smart multi card, The method comprising the steps of loading card information matched to the specific sensor and performing settlement or accumulation according to the card output method of the loaded card information, In the case of a plurality of cards, Each of the plurality of cards may be loaded and simultaneously performed according to the card output method of each of the plurality of loaded cards.

According to the present invention as described above, the following effects can be obtained. However, effects obtained through the present invention are not limited thereto.

First, according to the present invention, there is an effect that one smart multi-card including all of a plurality of card information having an output method of a contact type output method, a non-contact type output method and an output method using a smart device is provided.

Secondly, according to the present invention, a smart multi-card capable of performing settlement or accumulation using a plurality of card output methods simultaneously can be provided.

Thirdly, according to the present invention, it is possible to reduce the cost of producing unnecessary cards by storing information of a plurality of cards on a single card, and to enable the user to perform settlement or accumulation simultaneously according to the output method of each of a plurality of cards have.

Fourth, according to the present invention, there is provided a method of performing settlement or accumulation through a smart multi-card capable of simultaneously using a plurality of output methods.

The effects obtained by the present invention are not limited to the above-mentioned effects, and other effects not mentioned can be clearly understood by those skilled in the art from the following description will be.

1 is an internal configuration diagram of a smart multi-card according to an embodiment of the present invention.
2 shows an example of a smart multi-card appearance according to an embodiment of the present invention.
3 is a connection diagram between a smart multi-card, a smart device, and an external server.
4 is a diagram illustrating a process of performing settlement or accumulation by simultaneously using a plurality of card output methods through a smart multi-card according to an embodiment of the present invention.
5 is a diagram illustrating a process of performing settlement or accumulation by simultaneously using a plurality of card output methods through a smart multi-cart according to another embodiment of the present invention.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The following detailed description, together with the accompanying drawings, is intended to illustrate exemplary embodiments of the invention and is not intended to represent the only embodiments in which the invention may be practiced.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. Only.

In some instances, well-known structures and devices may be omitted or may be shown in block diagram form, centering on the core functionality of each structure and device, to avoid obscuring the concepts of the present invention. In the following description, the same components are denoted by the same reference numerals throughout the specification.

Throughout the specification, when an element is referred to as "comprising" or " including ", it is meant that the element does not exclude other elements, do.

Also, the term "part" in the description means a unit for processing at least one function or operation, which may be implemented by hardware, software, or a combination of hardware and software. Furthermore, the terms " a or an, "" one," and similar related terms, unless the context clearly dictates otherwise or clearly contradicted by context, As used herein.

In addition, specific terms used in embodiments of the present invention are provided to facilitate understanding of the present invention. Unless otherwise defined, all terms used herein, including technical or scientific terms, And have the same meaning as commonly understood by those of ordinary skill in the art. The use of such a specific term may be changed to other forms without departing from the spirit of the present invention.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The following detailed description, together with the accompanying drawings, is intended to illustrate exemplary embodiments of the invention and is not intended to represent the only embodiments in which the invention may be practiced.

FIG. 1 is an internal configuration view of a smart multi-card according to an embodiment of the present invention, and FIG. 2 is an exemplary view of a smart multi-card appearance according to an embodiment of the present invention.

1 and 2, a smart card 100 according to an exemplary embodiment of the present invention includes a controller 110, a storage unit 120, a sensor unit (or a user input unit 130), a power supply unit 140, A wireless communication unit 160, and a display unit 150.

The smart multi-card 100 corresponds to a card capable of including a plurality of card information in one card, unlike an existing card including only one card information including one IC (Integrated Circuit) chip . That is, the smart multi-card 100 may load one or more of the one or more pieces of card information stored in the smart multi-card at the same time and perform settlement or accumulation according to each card settlement method Card. Such settlement or accumulation will be described later.

Meanwhile, the control unit 110 of the smart multi-card 100 generally controls the operations of the smart unit 100 to control the overall operation of the smart multi-card 100.

For example, the controller 110 processes data received from the user and determines a command of the user. Also, the controller 110 performs information processing to transmit data including a card outputting method, card payment information, etc. to an external card terminal or a smart device (or a user terminal) through wireless communication, Or to store data received from the smart device via wireless communication in the storage unit 120 of the smart multi-card 100 or to process the information to display the data on the display unit 150. [

In addition, the sensor unit 130 of the smart multi-card 100 receives a user's input for controlling the operation of the smart multi-card 100 and transmits the input to the control unit 110. The sensor unit 130 may include a key pad, a keyboard, a dome switch or a touch sensor, and a touch pad (static pressure / static electricity), but the present invention is not limited thereto. That is, the sensor unit 130 may be configured to allow the user to input card-related information, card outputting method information, or the like so that the user can perform an input for selecting a specific card among the one or more cards It can be interpreted as including an input method.

The power supply unit 140 of the smart card 100 receives external power and / or internal power under the control of the control unit 110 and supplies power required for operation of each component .

In addition, the wireless communication unit 160 of the smart multi-card 100 performs a function of exchanging data with an external smart device, a card terminal, a server, and the like.

For example, the wireless communication unit 160 may transmit data for settlement or accumulation through wireless communication, and may transmit wireless communication from the card terminal or the smart device to / from the card information or the card output method. Data can be transmitted and received through the network. The wireless communication unit 160 may include a wireless Internet module, a short distance communication module, and a GPS module.

Here, the wireless Internet module refers to a module for wireless Internet access, and the wireless Internet module can be embedded in the smart multi-card 100 or externally. (Wi-Fi), Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access), LTE (Long Term Evolution-Advanced) or the like can be used.

The short-range communication module is a module for performing communication within a predetermined short distance. Beacon, Bluetooth, Radio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), ZigBee, etc. may be used as the short range communication technology.

The Bluetooth Low Energy (BLE) refers to a Bluetooth communication method in which packet configuration methods are different from each other and communication is simplified by simplifying a connection procedure, as compared with the conventional Bluetooth.

The BLE can easily apply and apply an improved protocol to articles used in everyday life so that information read from predetermined sensors can be transmitted more quickly and easily. Since the BLE (Bluetooth 4.0) can perform communication with other devices within approximately 5m to 70m and can minimize power consumption because it has little influence on the battery life of the device, it is possible to minimize the power consumption of the Bluetooth Can always be operated. In addition, the BLE module can receive card-related information to be stored in the storage unit 120, card output method information, or control command of the smart card 100 from the smart device through the BLE method, Information to the external device or the smart multi-card (100).

Meanwhile, Beacon uses a protocol based on Bluetooth 4.0 (BLE-Bluetooth Low Energy) to transmit very small frequency signals around. The beacon continuously informs the presence of a wireless network and transmits information by allowing a signal receiving device to search for and participate in a wireless network.

Near Field Communication (NFC) module is a non-contact communication technology that is one of radio frequency identification (RFID) technologies. It is a communication technology that transmits and receives various wireless data within a distance of 10cm or less. The NFC is a next-generation local area communication technology that is attracting attention due to its relatively low security and relatively low cost because of its short communication distance. Since both data reading and writing functions are available, there is no need for a dongle (reader) that was previously required for RFID use. In addition, it is similar to existing short distance communication technology, but it does not need to set up between devices like Bluetooth. The NFC module may perform data exchange through wireless communication with the smart device or contactless payment with the card terminal.

The display unit 150 displays the card information and / or the card output method information to the user. That is, the display unit 150 can display and output information processed in the smart multi-card 100. [ For example, in the case of performing settlement or accumulation by simultaneously using multiple smart card output methods using the smart multi card 100, information related to the settlement or accumulation may be transmitted through a UI (User Interface) or GUI (Graphic User) Interface).

At this time, the display unit 150 may display barcode information of a card to be settled or accumulated. If the card is added to a card other than the card stored in the smart multi-card 100, The controller 150 may display information related to connection with the smart device or the card terminal through a UI (User Interface) or a GUI (Graphic User Interface).

As described above, when the display unit 150 and the touch pad have a mutual layer structure to constitute a touch screen, the display unit 150 may be referred to as a touch screen, It can also be used as an input device. If the display unit 150 is configured as a touch screen, it may include a touch screen panel, a touch screen panel controller, and the like.

In addition, the display unit 150 may be a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, an electronic paper E-paper). There may be two or more display units 150 according to the embodiment of the smart multi-card 100. For example, the display unit 150 may be provided on a front side and a rear side of the smart multi-card 100, respectively. Alternatively, one or more displays may be provided on the front side or the rear side.

The storage unit 120 of the smart multi-card 100 stores information necessary for using the smart multi-card 100. For example, the storage unit 120 may store the card information used for settlement or accumulation, and may store the output method information of the cards and / or the security certificate of the user. In addition, when the smart card 100 includes a user authentication function, the storage unit 120 may store biometric information (e.g., fingerprint, iris information, etc.) of a user for user authentication.

In addition, the storage unit 120 may store a program for processing and controlling the controller 110. For example, the storage unit 120 may include an operating system for driving the smart multi-card 100. In addition, the storage unit 120 may provide a work space for card operations such as encryption and decryption.

Also, the storage unit 120 may include an integrated circuit (IC) chip type, and may further include an MPU (Micro Processor Unit) having an internal calculation function in the IC chip. Further, the IC chip may be exposed to the outside of the card, and may perform settlement in direct physical contact with the contact-type card terminal.

3 is a connection diagram between a smart multi-card, a smart device, and an external server.

Referring to FIG. 3, the smart multi-card, smart device, and external server of the present invention can include a network capable of transmitting and receiving data between each other.

Since the smart multi-card 100 has been described with reference to FIG. 2, the description thereof will be omitted or simplified. A detailed description of the smart multi-card 100 will be given below with reference to FIGS.

Meanwhile, the smart device 200 can be interpreted as a concept including all terminals capable of transmitting and receiving communication signals, i.e., data, in one embodiment of the present invention.

At this time, one or more programs or applications may be installed in the smart device 200, and an application program interface (API) related to the smart multi-card 100, which is one embodiment of the present invention, An application may be installed that includes Embedded Software.

The smart device 200 may transmit or receive data or signals to the smart multi-card 100 and / or the server 300 via the smart device itself or through the one or more installed programs or applications, The received data or signal may be associated with a smart multi-card, which is an embodiment of the present invention.

A tablet PC, a terminal device, a terminal, a mobile station (MS), a mobile subscriber (MSS), a personal digital assistant (PDA) Station, a subscriber station (SS), an advanced mobile station (AMS), a wireless terminal (WT), a machine-type communication device, an M2M (Machine-to-Machine) device, a D2D device- Device.

In addition, the smart device 200 may be replaced with terms such as a wearable device, a wearable glass, a wearable band, a wearable wear or a wearable wearable device (WEARABLE EQUIPMENT) Mobile devices are collectively referred to.

Of course, this is merely an example, and the smart device in the present invention should be construed as a concept including all the devices that are currently developed, commercialized, or developed in future, or capable of signal transmission.

3, the server 300 refers to an object capable of transmitting and receiving data with at least one or more other devices through a wired / wireless communication network. In the present invention, the server 300 includes a relay server, a mediation server, and / Server. ≪ / RTI >

As an example of the server 300, a cloud server, an IMS (Multimedia Subsystem) server, a telephony application server, an IM (instant messaging) server, a MGCF (Media Gateway Control Function) And a CSCF (Call Session Control Function) server. The server 300 may include an object capable of transmitting and receiving data such as a PC (personal computer), a notebook computer, and a tablet PC May be implemented as a device.

Meanwhile, the network means a data communication network that can be used for data transmission / reception between the smart multi-card 100, the smart device 200 and the server 300, and the type is not particularly limited.

For example, it may be an IP (Internet Protocol) network that provides a large capacity data transmission / reception service through an Internet Protocol (IP), or an All IP network that integrates different IP networks.

The network may be a mobile communication network including a wired network, a Wibro (Wireless Broadband) network, a mobile communication network including a WCDMA, a High Speed Downlink Packet Access (HSDPA) network and an LTE (Long Term Evolution) network, ), A 5G (Five Generation) mobile communication network, a satellite communication network, and a Wi-Fi network, or a combination of at least one of them.

4 is a diagram illustrating a process of performing settlement or accumulation by simultaneously using a plurality of card output methods through a smart multi-card according to an embodiment of the present invention.

Referring to FIG. 4, the smart multi-card of the present invention can receive one or more pieces of card information having individual card output methods from a user. (S401)

In this case, according to an embodiment of the present invention, the individual card output method may be any one of a contact type output method, a non-contact type output method, and an output method using a smart device, and further includes a bar code output method can do.

More specifically, the contact type output method is a method in which payment or accumulation is made when the smart multi card is contacted or inserted into the contact type payment terminal. In the non-contact type output method, the smart card is recognized by the contactless payment terminal, Or an accumulation is performed. The output method using the smart device means a method in which a card stored in the smart device is loaded by the smart multi card and payment or output is performed through the contact or non-contact type payment terminal .

The contact-type output method of performing payment or accumulation by contacting or inserting the smart multi-card into the contact-type payment terminal requires physical contact between the smart multi-card and the payment terminal, The data that they contain can be interchanged. In addition, the non-contact type output method in which the smart card is recognized by the non-contact type payment terminal to perform settlement or accumulation is performed by communicating with the non-contact type payment terminal through an antenna using a radio frequency signal to settle or accumulate without physical contact Can be performed.

That is, the non-contact type output method can exchange data including card information or user information through wireless communication such as Near Field Composition (NFC), Bluetooth Low Energy (BLE), and Wireless Fidelity .

A method for loading a card stored in the smart device into the smart multi-card and performing payment or accumulation through the contact-type or non-contact-type payment terminal includes the steps of: And a method of performing settlement or accumulation using the card information stored in the smart device. Accordingly, in this case, the smart multi-card can receive the card information from the smart device and perform payment or accumulation through the contact or non-contact payment terminal using the card information.

In addition, the barcode output method displays barcode information corresponding to preset card information among one or more pieces of card information inputted from a user on a display unit, and scans the displayed barcode information through a barcode scanner of a payment terminal, Or an output method for performing accumulation. When the barcode scanner of the payment terminal scans the barcode information displayed on the display unit of the smart card, data including card related information, user information or payment approval information of a specific card corresponding to the barcode information, Exchange with the payment terminal.

Here, the bar code refers to a code represented by a combination of vertical bars having different thicknesses to represent text, numbers, special characters, or the like in a form readable by a machine or the like. As described above, when the barcode scanner of the payment terminal scans the barcode information, the barcode scanner reads information corresponding to the barcode information, and based on the read information, performs a settlement or accumulation function related to the barcode scanner, Function can be performed.

On the other hand, when receiving more than one card information from the user, the smart multi-card may match at least one or more pieces of card information among the one or more pieces of card information inputted from the user corresponding to a plurality of sensors in the smart multi-card .

At this time, the card information includes the card company information, the card name, the card company logo, the card image, the card number, the card validity period, the card owner name information, the card additional information (for example, The smart card may include at least one of output method information, card benefit information, and cart accumulation information. In addition, when the at least one card information is input from the user, Alternatively, it is also possible to directly set by the user.

More specifically, as shown in FIG. 2, the sensor unit 130 may include a plurality of sensors. Hereinafter, for convenience of explanation, the sensor unit includes five sensors (hereinafter, referred to as first sensor, second sensor, third sensor, fourth sensor, fifth sensor) as shown in FIG. 2 Will be described below. However, this is only an example, and the number of sensors included in the sensor unit may be more or less depending on implementation.

In this situation, the smart multi-card receives four payment cards (hereinafter referred to as a first payment card, a second payment card, a third payment card, and a fourth payment card) from the user and four earning cards The first smart card, the first smart card, the first smart card, the second smart card, the second smart card, the second smart card, and the fourth smart card) And the information relating to the four accumulation cards may be matched to the respective sensors in the sensor unit.

In this case, if the first payment card and the first accumulation card are used simultaneously, the discount benefit and the accumulation benefit are greater than the combination of the other cards. If the second payment card and the second accumulation card are used simultaneously, It is assumed that the discount and benefit benefits are greater than the combination of the other cards if the 3 rd payment card and the 4 rd card are used at the same time. In this case, according to the present invention, the information on the first payment card and the first accumulation card may be matched to the first sensor, and the information on the second payment card and the second accumulation card The information on the third payment card and the information on the fourth accumulation card may be matched to the third sensor, respectively. At this time, it is a matter of course that the order (sensor number) of the matched sensors can be changed according to the setting of the user or the frequency of use of the card.

On the other hand, if the fourth payment card and the third accumulation card are used together, if there are no additional accumulation benefits, discounts, or combinations among the other cards, they can be individually matched to the fourth sensor and the fifth sensor .

At this time, the payment card and the accumulation cards may have different card output methods. More specifically, for example, the first payment card may have an output method in which settlement or accumulation is performed according to an output method using an IC chip, but the first accumulation card may be charged or accumulated according to an output method using NFC Lt; / RTI >

That is, according to an embodiment of the present invention, a plurality of card information matched to each sensor may have different card output methods, and at least one of card information for paying card information and card information for accumulating card information It can be included in each sensor. However, it is needless to say that a plurality of pieces of card information may be matched so as to have the same card output method according to the settings of the smart multi-card or the user.

After the card information is matched for each sensor in the plurality of sensors as described above, the user contacts the specific sensor among the plurality of sensors in the smart multi-card in a situation requiring settlement or accumulation, Can be performed.

That is, when a user makes a contact with a desired one of the plurality of sensors in the smart multi-card or a specific sensor matched with a desired payment method in a situation requiring payment or accumulation, the smart multi- And loads the card information matched to a specific sensor. (S403)

At this time, the display of the smart multi-card may be outputting one or more pieces of card information input from the user and an output method of each of the one or more cards, and may load the card information matched to the specific sensor contacted by the user , Information including at least one of the loaded card information and the information on the output method of the loaded card can be displayed.

On the other hand, when the card information matched to the specific sensor is loaded, settlement or accumulation may be performed according to the card output method of the loaded card information. (S404)

At this time, if the specific sensor is the first sensor mentioned in the above-mentioned example, since the card information for the first payment card and the first accumulation card are matched to the first sensor, The matching card information can be regarded as plural.

Thus, when there are a plurality of pieces of card information matched to a specific sensor (sensor # 1), all the card information matched to the specific sensor (sensor # 1) can be loaded in the smart multi card, It is possible to load all information about the payment card # 1 and the card # 1.

In this case, since the first payment card has an output method in which settlement or accumulation is performed using the IC chip as described above, and the first accumulation card has an output method in which settlement or accumulation is performed using NFC, In a situation where payment or accumulation is performed using the smart multi card, the up payment or accumulation may be performed simultaneously according to the card output method of the first payment card and the first accumulation card.

That is, when the user makes contact with the first sensor among the plurality of sensors, all the information about the first payment card and the first accumulation card is loaded. In this case, When the insertion is made, the IC chip is recognized due to the contact or insertion, the settlement to the first payment card proceeds, and since the second IC card is located at a distance from the payment terminal, the first accumulation card is also charged using the NFC The recognition and accumulation can be performed at the same time.

As described above, according to the embodiment of the present invention, when one or more cards having different output methods are settled and accumulated at one time according to the respective output methods, the user does not need to have a plurality of cards, Unlike other smart multi-cards, which include a plurality of cards but are sequentially divided into payment and accumulation, the present invention can settle or accumulate at a time according to each output method, It is not required to switch between the payment card and the accumulation card in the card, so that the convenience of settlement or accumulation can be further improved.

5 is a diagram illustrating a process of performing settlement or accumulation by simultaneously using a plurality of card output methods through a smart multi-cart according to another embodiment of the present invention.

In FIG. 5, a method of loading one or more pieces of card information stored in a smart multi-card according to a method different from that described in FIG. 4 will be described. Hereinafter, description within a range overlapping with FIG. 4 will be omitted or simply referred to do.

Referring to FIG. 5, the smart multi-card of the present invention can receive one or more pieces of card information having individual card output methods from a user. (S501)

Meanwhile, according to an embodiment of the present invention, the smart multi-card can distinguish a plurality of situations in which the user uses card settlement or accumulation. Various situations may be set in advance in the smart multi-card in the above-described situation, but the smart multi-card may be differently input by the user.

Meanwhile, the multiple status may include a usage status of the smart multi card. For example, it may mean a commuting state, a meal situation, a film advance sale situation, a payment situation at a convenience store, a payment situation at a mart, and the like.

Referring again to FIG. 5, when one or more pieces of card information are input from the user, the multiple sensors may be distinguished from each other depending on the number of times the user uses the card settlement, The card information that can be used for each of the multiple situations may be associated with each of the multiple sensors to be matched.

After the above-described matching is performed, if the user is in a specific situation among the multiple statuses, one or more pieces of card information to be used for the smart multi-card are contacted to the sensor corresponding to the specific situation among the multiple sensors And the payment or accumulation can be performed simultaneously according to each card output method after the load.

In addition, in the present invention, the sensor unit of the smart multi-card may include a touch sensor as described above with reference to FIG. 1, and the touch sensor may sort the plurality of situations according to the touch number of the touch sensor . ≪ / RTI >

That is, when a plurality of situations are classified according to the number of touches of the touch sensor, the card information used for each of the situations may be matched corresponding to the number of touches of the touch sensor. (S502)

Accordingly, when the user corresponds to a specific situation among the multiple number of situations, when the user touches the touch sensor of the smart multi-cart by the number of touches corresponding to the specific situation, the user selects one or more cards matched corresponding to the touch number Information can be loaded into the smart multi card. In this case, payment or accumulation can be performed simultaneously according to the output method of each of the loaded one or more cards. (S503 to S504)

For example, if the user has a payment card and a reward card that provide a large discount benefit and a large accumulation benefit when making a payment or accumulation at a convenience store, the touch sensor may use a convenience store according to the control of the user or the smart multi- Can be determined as a situation corresponding to a specific number of touches (for example, twice).

Further, the payment card and the accumulation card may be matched corresponding to the specific number of touches (twice).

Thereafter, when the user selects an item at the convenience store to perform payment or accumulation, the user touches the touch sensor of the smart multi-card twice to load the payment card and the accumulation card into the smart multi-card And the settlement or accumulation can be performed using the smart card in which the payment card and the accumulation card are loaded. In this case, if the payment card and the accumulation card have different card output methods, as described above, the payment card and the accumulation card can perform settlement or accumulation at the same time according to the respective output methods .

Accordingly, when the smart multi-card according to the embodiment of the present invention is used, it is possible to make a plurality of cards perform settlement or accumulation at the same time using the respective card output methods.

On the other hand, the above-described method can be implemented in a general-purpose digital computer that can be created as a program that can be executed in a computer and operates the program using a computer-readable medium. Further, the structure of the data used in the above-described method can be recorded on a computer-readable medium through various means. Computer readable media for storing executable computer code for carrying out the various methods of the present invention include magnetic storage media (e.g., ROM, floppy disks, hard disks, etc.), optical readable media (e.g., Etc.).

It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed methods should be considered in an illustrative rather than a restrictive sense. It is intended that the present invention cover the modifications and variations of this invention provided they come within the scope of the appended claims and their equivalents.

The smart multi-card which can simultaneously use a plurality of card settlement methods of the present invention and a settlement performing method using the same can be applied to various methods of performing settlement.

100: smart multi-card 110:
120: storage unit 130: user input unit
140: Power supply unit 150:
160: wireless communication unit 200: smart device
300: external server

Claims (11)

In a smart multi-card device capable of simultaneously using a plurality of card output methods,
A storage unit for storing a plurality of pieces of card information having individual card output methods input from a user;
A sensor unit including a plurality of sensors, wherein each of the plurality of sensors includes at least one of a plurality of pieces of card information input from the user corresponding to each other; And
When the user touches the specific sensor among the plurality of sensors, the matching card information matched to the specific sensor is loaded so that settlement or accumulation is performed according to the card output method of the loaded matching card information And a control unit for controlling the control unit,
Wherein when the plurality of matching card information are plural, the settlement or accumulation is performed according to a card output method for each of the plurality of matching card information after loading the plurality of matching card information,
The matching card information is determined based on the card benefit,
Wherein the specific sensor corresponding to the matching card information is determined based on a frequency of card use. The method according to claim 1,
Wherein the card output method is any one of a contact type output method, a non-contact type output method, and an output method using a smart device. 3. The method of claim 2,
The contact type output method is a method in which the payment or accumulation is performed when the smart multi card is contacted or inserted into the contact type payment terminal. In the non-contact type output method, the smart card is recognized by the contactless payment terminal, Wherein the smart multi-card is loaded with a card stored in the smart device and the payment or accumulation is performed through the contact or non-contact payment terminal, , Smart multi-card devices. The method of claim 3,
The payment or accumulation is performed on the same time resource on the basis of each of the different card output methods when a plurality of the matching card information matched to the specific sensor is different and a card output method of each of the plurality of matching card information is different, A smart multi-card device. The method of claim 3,
Wherein the control unit sets the plurality of matching card information matched to the specific sensor to have the same card output method according to the setting. The method according to claim 1,
A plurality of matching card information matched to the specific sensor,
Wherein the plurality of matching card information includes payment card information and accumulation card information. The method according to claim 1,
Wherein the specific sensor is a sensor of the priority among the plurality of sensors as the frequency of use of the card is higher. The method according to claim 1,
Wherein the sensor unit includes a touch sensor,
Wherein the controller outputs one or more pieces of card information corresponding to the number of touches of the touch sensor set corresponding to a payment status among the plurality of pieces of card information and performs the payment or accumulation based on the one or more pieces of card information A smart multi-card device. 9. The method of claim 8,
And a display unit,
Wherein the display unit displays at least one of the card information, the card output method, the matching card information, and the card output method information input from the user. 10. The method of claim 9,
The card output method includes a bar code output method,
Wherein the control unit controls the display unit to display barcode information corresponding to card information matched with the specific sensor when a user touches the specific sensor among the plurality of sensors,
Wherein the settlement or accumulation is performed when the payment terminal scans the displayed barcode information. A method of performing settlement or accumulation using a smart multi card capable of simultaneously using a plurality of card output methods,
Receiving a plurality of pieces of card information having smart card output methods;
Matching the at least one card information among the plurality of card information corresponding to the plurality of sensors in the smart multi card;
When the user touches the specific sensor among the plurality of sensors, loading the matching card information matched to the specific sensor and performing settlement or accumulation according to the card output method of the loaded card information , ≪ / RTI &
Wherein when the plurality of matching card information are plural, the settlement or accumulation is performed according to a card output method for each of the plurality of matching card information after loading the plurality of matching card information,
The matching card information is determined based on the card benefit,
Wherein the specific sensor corresponding to the matching card information is determined on the basis of the card usage frequency.
KR1020150155653A 2015-11-06 2015-11-06 Smart multi card for using a plurality of output means at the sametime and method for performing payment and saving by smart multi card KR101783706B1 (en)

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KR1020150155653A KR101783706B1 (en) 2015-11-06 2015-11-06 Smart multi card for using a plurality of output means at the sametime and method for performing payment and saving by smart multi card
EP16862497.1A EP3346420A4 (en) 2015-11-06 2016-11-04 Smart multi-card capable of simultaneously using plurality of card output schemes, and payment or accumulation method using same
US15/768,952 US20190066094A1 (en) 2015-11-06 2016-11-04 Smart multi-card capable of simultaneously using plurality of card output schemes, and payment or accumulation method using same
PCT/KR2016/012695 WO2017078482A1 (en) 2015-11-06 2016-11-04 Smart multi-card capable of simultaneously using plurality of card output schemes, and payment or accumulation method using same

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Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2005128950A (en) * 2003-10-27 2005-05-19 East Japan Railway Co Electronic ticket distribution system and method
JP4886337B2 (en) * 2006-03-31 2012-02-29 株式会社日本総合研究所 IC card and IC card system

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2005128950A (en) * 2003-10-27 2005-05-19 East Japan Railway Co Electronic ticket distribution system and method
JP4886337B2 (en) * 2006-03-31 2012-02-29 株式会社日本総合研究所 IC card and IC card system

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