KR20090001207A - Multi purpose card for integrating a number of information, and using method thereof - Google Patents

Abstract

A multipurpose card equipped with a plurality of card information and a use method thereof are provided to enable a user to receive an accumulation and discount service as well as a payment service with one card and carry the card easily by storing a plurality of card information in one card. A card information storing part(10) stores basic information for each card. A card selector(20) selects the card to be used. A card information display unit(30) displays the basic information for the selected card based on card selection information received through the card selector. The multipurpose card includes at least one of a credit card, a mileage accumulation card, a discount card, a debit card, a cash card, or electronic cash.

Description

Multi purpose card for integrating a number of information, and using method

1 is a block diagram of a multipurpose card according to the present invention,

2 is an exemplary view of payment information contact unit according to an embodiment of the present invention;

3 is an exemplary view of payment information contact unit according to another embodiment of the present invention;

4 is a data structure diagram of basic information according to the present invention;

5 and 6 are reference and exemplary views showing a process of changing the card information display through a full scroll operation according to an embodiment of the present invention,

7 and 8 are reference and exemplary views illustrating a process of changing a card information display through a half scroll operation according to another embodiment of the present invention;

9 is a reference diagram illustrating a process of changing a card information display through a key input according to another embodiment of the present invention;

10 is a block diagram of a multipurpose card system according to the present invention,

11 is a configuration diagram of a payment terminal according to the present invention;

12 is a flowchart illustrating a method of using a multipurpose card according to an embodiment of the present invention;

13 is a flowchart illustrating a method of using a multipurpose card according to another embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

1: multi-use card 5: payment terminal

7: payment server 10: card information storage unit

20: card selection unit 30: card information display unit

40: user authentication information storage unit 50: identity information storage unit

60: payment information contact

The present invention relates to a multi-use card, and more particularly, to a multi-use card embedded with a plurality of information and a method of using the same.

Modern society, also called credit society, is rapidly increasing the use of credit cards to replace cash payments, and credit cards are becoming a necessity for modern people. In addition to credit cards, various types of cards currently available such as mileage credit cards, discount cards, electronic money, electronic gift certificates, prepaid cards, or debit cards are increasing rapidly.

Generally, credit cards are used with various mileage credit cards, discount cards, debit cards, bank withdrawal cards, or electronic money. For example, a credit card can be used in conjunction with a mileage credit card to earn points at department stores, restaurants, gas stations, and the like.

However, in order to receive these benefits, the user is inconvenient to prepare a card that can be used by checking the discount and the credit information of various types of cards in advance. For example, when a user wants to make a movie reservation, the user should prepare the applicable cards by checking discount and accumulation information such as a credit card, a carrier card that can be discounted, and a theater membership card that can earn points.

In addition, payment by credit card is required after the payment process by presenting the applicable earning card separately. For example, the user must pay the credit card to buy a movie and then present the carrier's card again to receive a discount, or present an additional theater membership card to earn points. As a result, a total of three card presentation or application processes are required for the film reservation, resulting in inconvenience in using the card.

On the other hand, the user is usually inconvenient to carry a plurality of cards at once, including a credit card. This is because when the user carries various cards in the wallet, the volume of the wallet increases due to the volume of the plurality of cards.

In addition, as the number of cards carried increases, the risk of card loss increases. In this case, there is a risk that the lost card can be used by another person who has acquired the lost card, and there is a problem that a loss report for each lost card must be reported to the card company.

Therefore, the present invention has been made to solve the problems of the prior art as described above, the user can receive a payment as well as the application of saving and discount as well as a single card by embedding a plurality of information in the multi-purpose card It is an object of the present invention to provide a multipurpose card and a method of using the same.

In order to achieve the above object, the present invention proposes a multi-purpose card having a plurality of information embedded therein and a method of using the same.

More specifically, according to an aspect of the present invention, the above object is a multi-purpose card with a plurality of information, the card information storage unit for storing the basic information for each card; A card selector for selecting a card to use; And a card information display unit for displaying basic information on the selected card based on the card selection information received through the card selection unit. The multipurpose card preferably includes at least one of a credit card, mileage accrual card, discount card, debit card, bank cash withdrawal card, or electronic money.

At this time, the card selector is preferably in the form of a scroll that receives card selection information through a scroll operation using a user's finger touch. In addition, the card selection unit may be able to replace at least one of the selected card through the scroll operation.

Also, the card information display unit preferably displays basic information about at least one card selected through the card selection unit. In addition, the card information display unit preferably displays together the basic information for at least two cards that can be applied at the same time.

On the other hand, according to another aspect of the present invention, the above object is also achieved by a multi-purpose card, characterized in that it further comprises a user authentication information storage unit for confirming the card holder.

On the other hand, according to another aspect of the present invention, the above object is also achieved by a multi-purpose card, characterized in that it further comprises an identification information storage unit containing the identification information or photo information of the card holder.

On the other hand, according to another aspect of the present invention, the above object is a method of using a multi-purpose card with a plurality of card information, comprising the steps of: (a) selecting the first card through a scroll operation; (b) searching whether there is a second card applicable simultaneously with the selected first card; And (c) if there is a second card based on the search result, simultaneously selecting the first card and the second card.

At this time, it is preferable to further include the step of displaying by changing the second card basic information to the new card basic information through the scroll operation. Also, the step (c) may further include displaying basic information of the selected second card when the full scroll input is received through the scroll operation, and displaying basic information of the selected first card and the second card when the half scroll input is received. desirable. At this time, it is preferable to use the selected first card and the second card at the same time.

On the other hand, according to another aspect of the present invention, the above object is a payment terminal for paying a multi-purpose card with a plurality of information, the multi-purpose card, the card information storage unit for storing the basic information for each card; A card selector for selecting a card to use; And a card information display unit which displays basic information about the selected card based on the card selection information received through the card selection unit, wherein the payment information and the additional information are based on the basic information about the at least one card selected from the multipurpose card. A reader for reading; A display unit which displays the read payment information and additional information; And a communication unit which transmits the displayed payment information and additional information to the payment server.

Hereinafter, with reference to the accompanying drawings will be described a preferred embodiment of the present invention; In the following description of the present invention, if it is determined that detailed descriptions of related well-known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intention or custom of a user or an operator. Therefore, the definition should be made based on the contents throughout the specification.

1 is a configuration diagram of a multipurpose card 1 according to the present invention.

According to FIG. 1, the multipurpose card 1 according to the present invention includes a card information storage unit 10, a card selection unit 20, and a card information display unit 30. Furthermore, it may further include a user authentication information storage unit 40, identity information storage unit 50, and payment information contact unit 60.

The multipurpose card 1 preferably includes at least one of a credit card, a mileage credit card, a discount card, a debit card, a bank withdrawal card, or an electronic money as a card having a plurality of information embedded therein.

The card information storage unit 10 stores the basic information for each card in the multipurpose card having a plurality of information therein. In this case, the basic information about each card may include a thumbnail, a separator, a card version, a serial number, an expiration date, an owner name, and the like. Furthermore, it may further include user authentication information.

At this time, the card information storage unit 10 is preferably mounted in the form of an information chip. The information chip is more preferably in the form of RFID (Radio frequency identification). RFID is a system that processes information by identifying a tag of a thin flat form attached to an object in a non-contact manner through a radio signal. The electronic identification tag is preferably composed of a semiconductor transponder chip and an antenna. On the other hand, the storage unit in the transponder chip more preferably includes a place for storing the authentication number and other data information, and a storage place for receiving a signal from the reader and sending the data in the tag.

The card selector 20 receives a card to be used. At this time, the card selection unit 20 is preferably in the form of a scroll to receive the card selection information through the scroll operation using the user's finger touch.

In this case, the scrolling operation is generally similar to the operation of using a vertical scroll bar that is located on the right side and moves the content of information up and down in a Windows program. That is, in a Windows program, the document is moved vertically by dragging the vertical scroll bar on the edge with the mouse. In a similar manner, the multipurpose card according to the present invention can vertically move the card by dragging the user's finger to the card selector 20.

In this case, it is preferable to use a touch sensor that detects pressure, charge, and the like. For example, when pressure is applied by a sensor responding to the pressure applied to the card selector 20 of the multipurpose card, the scroll operation may be performed by sensing the pressure. Alternatively, the charge may be charged to the card selector 20, and sensors may be installed around the card selector 20 to detect a degree of charge loss at the touch of a finger, thereby scrolling the utility card.

Meanwhile, when the card selection information is input through the scroll operation, the card selection unit 20 may receive the card selection information vertically, but may have a different shape for convenience according to those who are right-handed or left-handed. For example, it is desirable for a right-handed multipurpose card user to receive card selection information through a scrolling operation in a diagonal direction moving from left to right. On the contrary, it is desirable for the left-handed multipurpose card user to receive card selection information through a scrolling operation in a diagonal direction moving from right to left.

Meanwhile, the card information display unit 30 displays basic information on the selected card based on the card selection information received through the card selector 20. The basic information may include a thumbnail, a separator, a card version, a serial number, an expiration date, and an owner name of a multipurpose card. Furthermore, it may further include authentication information. Detailed description of the basic information will be described later with reference to FIG. 4.

Meanwhile, the card information display unit 30 may display basic information about at least one card selected through the card selector 20. At this time, it is desirable to display basic information on at least two cards that can be applied at the same time.

The user authentication information storage unit 40 stores biometric information including the fingerprint of the user to confirm the card holder. For example, the fingerprint of the card holder is stored in the user authentication information storage unit 40 and registered in advance. The user then contacts the card selector 20 with a fingerprint for use of the utility card. Then, the fingerprint sensor of the card selector 20 compares the contacted fingerprint with the stored fingerprint. Based on the comparison result, the card selection according to the scroll operation of the card selection unit 20 is possible only when the fingerprints match. On the other hand, fingerprint authentication may be made by connecting to the payment terminal 5 or in communication with the payment server (7).

In this case, the cardholder's fingerprint data is compared with the cardholder's fingerprint data, and the cardholder is considered to be the owner of the card only when the fingerprint data matches, thereby reducing the risk that someone other than the cardholder can use the card. There is.

The identification information storage unit 50 includes identification card information or photo information of the multipurpose card user. In this case, the ID information may be a resident registration card, a driver's license, or a student ID. The user does not need to carry additional IDs because the utility card includes the user's ID information and photo information. Therefore, a multipurpose card can be used for identification.

Meanwhile, the payment information contact unit 60 transmits payment information and additional information of the selected card to the payment server 7. The payment information contact unit 60 may be in the form of a magnetic strip. Magnetic strips are black bands attached to magnetic cards that can be found on credit or debit cards. The magnetic strip preferably stores payment information including a financial account number of the user who issued the card. In this case, the RFID information may be mounted in the card information storage unit 10 to store basic information of the user, and the payment information may be stored in the payment information contact unit 60. On the other hand, while the RFID chip of the card information storage unit 10 is a contactless payment method, the magnetic strip is a contact payment method.

The payment information contact unit 60 may be an RFID chip instead of a magnetic strip. In this case, the RFID chip is preferably mounted on the card information storage unit 10 and the payment information contact unit 60. That is, basic information of the user may be stored in the RFID chip of the card information storage unit 10, and payment information may be stored in the RFID chip of the payment information contacting unit 60. Alternatively, the basic information and payment information may be stored together in the RFID chip of the card information storage unit 10.

An embodiment of the payment information contact unit 60 will be described later with reference to FIGS. 2 and 3.

2 is an exemplary view of the payment information contact unit 60 according to an embodiment of the present invention.

According to FIG. 2, when the payment information contact unit 60 is a magnetic strip, the payment information contact unit 60 may be located at an edge portion of the back of the multipurpose card.

3 is an exemplary view of the payment information contact unit 60 according to another embodiment of the present invention.

According to FIG. 3, when the payment information contact unit 60 is a magnetic strip, the payment information contact unit 60 may be located in the form of a strip on the upper side of the multipurpose card as in a general credit card.

The payment information contact unit 60 may be an RFID chip instead of a magnetic strip.

4 is a data structure diagram of basic information according to the present invention.

According to Fig. 4, the basic information data includes a thumbnail, a separator, a version, a serial number, an expiration date, an owner's name, and authentication information of a multipurpose card.

The thumbnail is the part where the image of the card is displayed. For example, when the utility card displays basic information of the credit card and the mileage card, the thumbnail of the credit card and the mileage card may be displayed together. At this point, the user can feel as if he or she has a credit card and mileage card.

The delimiter, on the other hand, is the start character and the version is required for card identification in the issuing system. In addition, it is preferable to further include an electronic signature signed with signature algorithm information or issuance key.

The card information display unit 30 may display basic information on at least one card selected according to the scroll operation when the card selector 20 is in a scroll form.

For example, when a full scroll input is received, one selected card basic information is displayed. On the other hand, when the half-scroll input is received, only the scrolled card of the two cards is replaced with a new card to display basic information of the new card instead of the scrolled card. Detailed descriptions of a process and an example of changing the card information through the full scroll operation and the half scroll operation will be described later with reference to FIGS. 5, 6, 7, and 8.

5 is a reference diagram illustrating a process of changing a card information display through a full scroll operation according to an embodiment of the present invention.

According to FIG. 5, when the full scroll input is received through the scroll operation, basic information of the selected new card is displayed. For example, when a multipurpose card displaying basic information of the first credit card is received in full scroll, basic information of the second credit card is displayed through the card information display unit 30 instead of the first credit card. Therefore, the user may be applied for payment using a second credit card.

6 is an exemplary diagram of a process of changing the display of the card information of FIG. 5.

According to FIG. 6, the first credit card is replaced with a second credit card through a full scroll operation. Then, the user can be applied for payment through the second credit card.

7 is a reference diagram illustrating a process of changing the display of card information through a half scroll operation according to an embodiment of the present invention.

According to FIG. 7, when a half scroll input is received through a scrolling operation, basic information of a card that is not half-scrolled and basic information of a new card selected by being scrolled are displayed together. For example, when a multi-purpose card on which the basic information of the first credit card is displayed receives a half scroll input, the basic information of the mileage card applicable to the first credit card is displayed. Therefore, the user can pay with the first credit card and at the same time receive a discount or a point accumulation benefit using the mileage card indicated on the multipurpose card.

8 is an exemplary diagram of a process of changing the display of the card information of FIG. 7.

According to FIG. 8, the first credit card and the mileage card are simultaneously displayed through the half scroll operation. The user can then use the first credit card and mileage card at the same time.

9 is a reference diagram illustrating a process of changing the display of card information through key input according to another embodiment of the present invention.

According to FIG. 9, a card may be selected through input of direction keys and confirmation keys such as left and right, up and down, and the basic information of the selected card may be displayed together.

In other words, a new card can be selected through the left and right arrow keys and the confirmation key input as in the above-described full scroll input of FIG. 5. For example, when the multipurpose card on which the basic information of the first credit card is displayed receives the left and right arrow keys and the confirmation key input, the basic information of the second credit card may be displayed instead of the first credit card.

Meanwhile, two cards may be simultaneously displayed through the up and down direction keys and the confirmation key input as in the half scroll input of FIG. 7. For example, when the multipurpose card on which the basic information of the first credit card is displayed receives the up-down direction key input and the confirmation key input, the basic information of the mileage card applicable to the first credit card can be displayed.

You can also select a new card as a full scroll input by using the left and right arrow keys and select another card that can be applied simultaneously with the new card as a half scroll input by using the up and down arrow keys.

Meanwhile, in addition to scroll input and direction key input, various user interfaces for selecting a card may be applied.

10 is a block diagram of a multipurpose card system according to the present invention.

According to FIG. 10, the utility card system includes a utility card 1, a payment terminal 5, and a payment server 7.

The multipurpose card 1 is a card in which a plurality of cards are integrated as described above.

The payment terminal 5 reads the information recorded in the payment information contact unit 60 of the multipurpose card 1 to provide card application including financial services, and is stored in the card information storage unit 10 of the multipurpose card 1. Various kinds of information are read, and the read result is transmitted to the payment server 7. In addition, by comparing the fingerprint information stored in the user authentication information storage unit 40 of the multi-purpose card 1 and the fingerprint information input by the multi-purpose card user may determine whether the same. A detailed description of the payment terminal 5 will be described later with reference to FIG. 10.

Meanwhile, the payment server 7 determines whether to approve based on the payment information and the additional information received from the payment terminal 5, and transmits the approval decision result to the payment terminal 5. The additional information may be point deduction information of the discount card. Furthermore, it may also be point accumulation information of a credit card.

That is, the payment information and additional information of the multipurpose card 1 received from the payment terminal 5 is transmitted to a corresponding server such as a bank common network through a relay server (not shown) or the payment information and additional information received from the server. The information can be sent to the payment terminal 5. Alternatively, the receiver may receive and process additional information including basic information of the user of the multipurpose card 1 and transmit the processing result to the payment terminal 5 through the relay server.

11 is a configuration diagram of a payment terminal 5 according to the present invention.

According to FIG. 11, the payment terminal 5 includes a reader 500, a display unit 510, and a communication unit 520.

The reader 500 reads the payment information and the additional information based on the basic information about the at least one card selected through the scroll operation from the payment information contact unit 60 of the multipurpose card. That is, the reader 500 may read the payment information and the additional information through the magnetic band contact of the payment information contact unit 60. Alternatively, payment information and additional information may be read through a non-contact method using RFID. In this case, the additional information may be payment amount information of the credit card or deduction information of the discount card. Furthermore, it may be point earning information of the credit card.

The display unit 510 displays payment information and additional information read through the reader 500. For example, if a user pays with a communication card combining a first credit card and a first discount card at a movie theater, the display unit 510 may provide additional information such as payment amount information of the first credit card and point deduction information of the first discount card. Can be displayed.

The communication unit 520 transmits the payment information and the additional information displayed on the reader 500 to the payment server 7 or receives a result according to the approval from the payment server 7.

12 is a flowchart illustrating a method of using a multipurpose card according to an embodiment of the present invention.

According to FIG. 12, the multi-purpose card 1 receives and stores combinations of cards that can be applied simultaneously or frequently used by the user in advance, and the card information display unit (3) displays a combination of cards desired by the user when the user wants to use the corresponding cards. 30) can be displayed together.

That is, the card selector 20 selects the first card through a scroll operation using a user's finger touch (S100). The multipurpose card selecting the first card searches for whether there is a second card applicable to the first card at the same time (S110). Based on the search result, if the second card exists, the first card and the second card are simultaneously selected (S120). Meanwhile, if there is no second card applicable at the same time as the first card, the first card basic information is displayed (S130). At this time, if the second card selected together with the first card is not a card to be applied by the user, the user may change the input of the second card selection information through a scroll operation.

13 is a flowchart illustrating a method of using a multipurpose card according to another embodiment of the present invention.

According to FIG. 13, the utility card receives at least one full scroll and half scroll operation from the user and displays at least one card basic information to be applied by the user.

That is, the card information display unit 30 of the multipurpose card displays the basic information of the first card (S200). The communication card receives the second card selection information through the scroll operation according to the displayed basic information of the first card (S210). If the scroll operation is a full scroll operation (S220), the card information display unit 30 displays basic information of the selected second card (S230). This is the case when the user wants to pay, earn points, or receive a discount through a second card instead of the first card.

On the other hand, if the scroll operation (S220) is a half scroll (S240), and displays the selected second card basic information together with the basic information of the first card (S250). Half scrolling is when a user wants to apply two different cards at the same time.

Meanwhile, as the number of cards to be applied at the same time increases, the range of the card selector 20 into which the scroll motion for each card is input is reduced. For example, if the user wishes to apply four cards simultaneously, the user may receive input through a quarter scroll operation in which the scroll range is reduced by about half than in the half scroll operation. In this case, the multipurpose card may display basic information of four different cards together.

Therefore, the present invention has been made to solve the problems of the prior art as described above, through the multi-purpose card with a plurality of information has the effect of being able to receive payment, as well as the application of savings and discounts at the same time. Accordingly, the user can eliminate the inconvenience of having to carry a plurality of cards, including a credit card, at the same time by carrying a multi-use card.

In addition, there is provided a multi-use card and a method of using the same, which can be conveniently used by a user, including a simple user interface.

That is, the multipurpose card may receive card selection information through a scroll operation using a user's finger touch and display basic information on the selected card based on the received card selection information. Therefore, the user can select a card to be applied with a simple finger touch. In addition, the at least one selected card may display thumbnails of each card, giving the user a feeling as if he or she owns the card.

On the other hand, since a plurality of pieces of information are embedded in the card, card management becomes easy. In other words, it is possible to minimize the risk of losing the card when carrying a plurality of cards and the complexity of processing when lost.

On the other hand, by comparing the fingerprint data of the card holder and the fingerprint data of the card user, the card user is considered to be the owner of the card only when the fingerprint data is matched, so that the card owner can safely use the card.

In addition, by displaying the identification information or photo information together, there is an effect that can prove the identity without carrying identification card, including national ID card and driver's license. In addition, there is an effect that can provide the user's photo information.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

Claims (16)

In the multipurpose card with a plurality of information embedded, A card information storage unit for storing basic information about each card; A card selector for selecting a card to use; And And a card information display unit for displaying basic information on the selected card based on the card selection information received through the card selection unit. The method of claim 1, The card information storage unit is a multipurpose card, characterized in that mounted in the form of an information chip. The method of claim 1, The card information storage unit is a multi-purpose card, characterized in that the RFID chip. The method of claim 1, The card selector is a multi-purpose card, characterized in that the scroll form for receiving the card selection information through a scroll operation using a user's finger touch. The method of claim 1, And the card information display unit displays basic information on at least one card selected by the card selection unit. The method of claim 1, The card information display unit is a multi-purpose card, characterized in that for displaying the basic information for at least two cards that can be applied at the same time. The method of claim 4, wherein And the card selector may replace at least one of the selected cards through the scroll operation. The method of claim 1, The plurality of cards, the credit card, mileage credit card, discount card, debit card, bank cash withdrawal card, multi-purpose card, characterized in that it comprises at least one of electronic money. The method of claim 1, Multipurpose card further comprises a user authentication information storage for identifying the card holder. The method of claim 1, Multipurpose card further comprises an identification information storage unit including identification information or photo information of the card holder. The method of claim 1, And a payment information contact unit for transmitting payment information and additional information of the selected card to a payment server. In the multi-purpose card using a plurality of card information, (a) selecting a first card through a scrolling operation; (b) searching for the existence of a second card applicable to the selected first card simultaneously; And and (c) simultaneously selecting the first card and the second card when the second card is present based on the search result. The method of claim 12, and (d) changing the input of the second card selection information through the scrolling operation. The method of claim 12, The step (c) includes displaying basic information of the selected second card when the full scroll input is received through the scroll operation, and displaying basic information of the selected first card and the second card when the half scroll input is received. How to use a multi-use card, characterized in that. The method of claim 14, And using the selected first and second cards simultaneously. In the payment terminal for paying a multi-use card with a plurality of information, The multipurpose card, A card information storage unit for storing basic information about each card; A card selector for selecting a card to use; And It includes a card information display unit for displaying the basic information about the selected card based on the card selection information received through the card selection unit, A reader for reading payment information and additional information based on basic information on at least one card selected from the multipurpose card; A display unit which displays the read payment information and additional information; And Payment terminal characterized in that it comprises a communication unit for transmitting the displayed payment information and additional information to the payment server.

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