KR20170024850A - Smart card and method for controlling the same - Google Patents

Abstract

The present invention relates to a smartcard including card information regarding a plurality of credit cards and a method for controlling the same. The smartcard comprises a memory and a control part. The memory stores information on a plurality of payment means. When a payment request exists, the control part performs the requested payment through any one selected from the plurality of payment means. The control part allows setting of at least one of the available number of payments and the total amount of money available to be paid by a user, performs the requested payment based on the set total amount of money, and when the available number of payments is exhausted or the residual amount of money available to be paid is exhausted in accordance with the set total amount of money as a result of performance of the requested payment, converts an operation state of the smartcard into a locked state where at least one function among functions including a payment function, which can be performed in the smartcard, is limited.

Description

[0001] DESCRIPTION [0002] SMART CARD AND METHOD FOR CONTROLLING THE SAME [0002]

The present invention relates to a smart card including card information for a plurality of credit cards and a control method of the smart card.

Generally, a smart card refers to a plastic card having almost the same thickness as a general credit card, an electronic card containing a microprocessor chip, a memory, a security algorithm, and a microcomputer. Capable CPU intelligent card. The smart card may further include a display unit for displaying image information as needed, or a key input unit for receiving a key from a user.

Meanwhile, since the smart card includes a semiconductor chip with a memory device and a microprocessor such as a CPU, it is possible not only to perform functions requiring separate information storage, but also to perform various additional functions using the CPU of the smart card Can be performed.

As an example of these additional functions, the smart card may further include a function related to a traffic card, an affiliate service, or the like. In addition, the smart card may provide a higher security function due to a built-in CPU and a memory with a higher storage capacity.

Accordingly, various methods for utilizing the various functions of the smart card more efficiently have been actively studied.

It is an object of the present invention to solve the above-mentioned problems and other problems, and it is an object of the present invention to provide a smart card that can be used in place of a plurality of credit cards and a control method of the smart card.

It is another object of the present invention to provide a smart card and a control method of the smart card in which a part of the functions thereof can be limited according to a condition set by a user.

Another object of the present invention is to provide a smart card and a control method of the smart card which enable the third party to use the smart card only within a range set by the user when the smart card is temporarily transferred to a third party.

According to an aspect of the present invention, there is provided a smart card including: a memory for storing information on a plurality of payment means; Wherein the control unit sets at least one of a number of settlements that the user can make and a total amount of money that can be settled by the user, The method of claim 1, further comprising: if the number of settlement times is exhausted as a result of performing the requested settlement, or if the amount of remaining balance is exhausted according to the set total amount, Wherein at least one of the functions executable in the smart card is locked, And it characterized in that.

In one embodiment, the information processing apparatus may further include an input unit including at least one key, and a display unit capable of displaying image information, wherein the control unit controls the number of times the specific key is input, The total number of settlements and the total amount of money that can be settled are set based on the length of time that the input of the user has been continued.

In one embodiment, the controller displays information on the selected payment means on the display unit when any one of the plurality of payment means is selected to perform the requested payment.

In one embodiment, the information on the selected payment means may include at least one of a name of the selected payment means, a balance limit payable using the selected payment means, And a sum of the amount of money.

In one embodiment, the display unit is formed of a touch screen including a touch sensor, and the plurality of keys are soft keys displayed on the touch screen.

In one embodiment, the controller sets the number of times that the user can make a payment and the total amount of money that can be settled based on a fingerprint sensed through the touch screen.

In one embodiment, the controller selects one of the plurality of payment means based on a fingerprint sensed through the touch screen.

In one embodiment, the control unit displays the total amount paid from the predetermined time point to the present by the selected payment means or the remaining limit amount payable through the selected payment means, when the requested payment is performed .

In one embodiment, when the requested payment is performed, the controller displays information on a balance that can be settled according to the remaining amount of the settlement number or the set total amount.

In one embodiment, the control unit further displays information related to the current state of the smart card, the current state of the smart card includes at least information on the battery state of the current smart card and the current state of the smart card, .

In one embodiment, the control unit sets at least one of the number of settleable times and the total settleable amount for any one of the plurality of settlement means, and the control unit sets at least one of When the remaining amount of the settlement is exhausted, any one of the settlement means in which the settlement possible number of times and the total settleable amount are set is switched to the inactive state in which use is restricted.

In one embodiment, the controller clears the locked state when a predetermined user input is detected, and initializes at least one of the number of settleable times and the total amount payable to a predetermined initial value .

In one embodiment, the predetermined initial value is the number of settlements that can be set before the lock state is released, and the total amount payable.

In one embodiment, the plurality of payment means is at least one of at least one credit card, at least one kind of virtual money, or an affiliate point accumulated through a predetermined affiliate service.

According to an aspect of the present invention, there is provided a method of controlling a smart card according to an embodiment of the present invention, including: storing information on a plurality of payment means; The method comprising the steps of: registering, setting a number of times a payment can be made and a total amount of money to be settled; performing the requested payment through any one of the plurality of payment means when a payment request is made; If the number of available payments is exhausted or the remaining balance is exhausted according to the set total amount, the operation state of the smart card is changed to at least one of functions executable in the smart card including a payment function And switching to a locked state in which one function is restricted, wherein performing the settlement comprises: And performing the settlement only when the requested amount of money is equal to or less than the total amount of the settlement.

Effects of the smart card and the control method of the smart card according to the present invention will be described as follows.

According to at least one of the embodiments of the present invention, the present invention stores information corresponding to a plurality of credit cards on a smart card, and when any payment is requested, So that the user is not required to carry a plurality of credit cards.

In accordance with at least one of the embodiments of the present invention, the present invention may be configured such that when a predetermined type of user input is applied, either the entire function of the smart card or any of a plurality of credit cards included in the smart card is deactivated Thereby making it possible to restrict a payment function using a specific credit card or the smart card.

Further, according to the present invention, it is possible to limit the amount of money or the number of settlements, the number of settlements, or the region or time that can be settled in accordance with an input from a user so that settlement can be made only within a range permitted by the user even if a smart card is transferred to a third party There are advantages.

1A is a block diagram for explaining a smart card related to the present invention.
1B and 1C are conceptual diagrams showing an example of a smart card related to the present invention from different directions.
FIG. 2 is a flowchart illustrating an operation procedure in which at least one credit card information is registered in a smart card according to an embodiment of the present invention, and settlement is performed according to the registered credit card information.
3 is a flowchart illustrating an operation procedure in which a condition for limiting the function of the smart card is set according to the user's input in the smart card according to the embodiment of the present invention.
4 is an exemplary diagram illustrating an example in which a smart card according to an embodiment of the present invention is registered with a plurality of credit card information in cooperation with a mobile terminal.
FIG. 5 is an exemplary diagram illustrating an example in which the number of settlement times is limited to a smart card according to an embodiment of the present invention.
6 is an exemplary diagram illustrating an example in which a settlement amount is set in a smart card according to an embodiment of the present invention.
7 is an exemplary diagram illustrating an example in which one credit card information for payment is selected in a smart card according to an embodiment of the present invention.
8 is an exemplary diagram illustrating an example in which a payment function is performed using selected credit card information in a smart card according to an embodiment of the present invention.
FIG. 9 is an exemplary diagram illustrating an example in which, when a smart card according to an embodiment of the present invention is switched to an inactive state, it is switched to an active state according to a user's input.
10 illustrates an example in which a touch pattern for releasing an inactive state is input to a smart card according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like or similar elements are denoted by the same or similar reference numerals, and redundant description thereof will be omitted. The suffix "module" and " part "for the components used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role. In the following description of the embodiments of the present invention, a detailed description of related arts will be omitted when it is determined that the gist of the embodiments disclosed herein may be blurred. It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. , ≪ / RTI > equivalents, and alternatives.

1 is a block diagram for explaining a smart card 100 related to the present invention.

The smart card 100 may include a communication unit 110, an input unit 120, a display unit 150, an interface unit 160, a memory 170, a control unit 180, and a power supply unit 190. The components shown in FIG. 1 are not essential for implementing the smart card 100, so that the smart card 100 described herein can have more or fewer components than the components listed above have.

The communication unit 110 may communicate with the smart card 100 and the wireless communication system or between the smart card 100 and another mobile terminal or between the smart card 100 and the external server. And may include one or more modules to enable communication. In addition, the communication unit 110 may include one or more modules for connecting the smart card 100 to one or more networks.

The communication unit 110 may include at least one of a wireless Internet module 113, a local area communication module 114, and a location information module 115.

The input unit 120 may include at least one key for receiving information from a user (e.g., a touch key, a mechanical key, and the like).

The display unit 150 is for outputting image information and may include a display unit. The display unit 150 may have a mutual layer structure with the touch sensor or may be integrally formed to realize a touch screen. The touch screen functions as an input unit 120 that provides an input interface between the smart card 100 and a user and can provide an output interface between the smart card 100 and a user.

The interface unit 160 serves as a channel with various types of external devices connected to the smart card 100. The interface unit 160 may be implemented in the form of an accessory device connectable to the smart card 100 wirelessly. In this case, the smart card 100 may be connected to an external device such as a smart phone, a PC, or a PDA (Personal Digital Assistance) via the interface unit 160 implemented in the form of the accessory device. And to perform appropriate controls associated with the connected external device.

The memory 170 also stores data supporting various functions of the smart card 100. The memory 170 may store a plurality of application programs (application programs or applications) running on the smart card 100, data for operation of the smart card 100, and commands. At least some of these applications may be downloaded from an external server via wireless communication. At least some of these application programs may exist on the smart card 100 from the time of shipment for the basic functions of the smart card 100 (for example, payment function, traffic card function, etc.). The application program may be stored in the memory 170 and may be installed on the smart card 100 and may be operated by the control unit 180 to perform the operation (or function) of the smart card 100.

The control unit 180 typically controls the overall operation of the smart card 100, in addition to the operations associated with the application program. The control unit 180 may process or process signals, data, information, and the like input or output through the above-mentioned components, or may drive an application program stored in the memory 170 to provide or process appropriate information or functions to the user.

In addition, the controller 180 may control at least some of the components illustrated in FIG. 1A in order to drive an application program stored in the memory 170. FIG. In addition, the controller 180 may operate at least two of the components included in the smart card 100 in combination with each other for driving the application program.

The power supply unit 190 receives power from an external source through the interface unit 160 or wireless charging and internal power to the respective components included in the smart card 100 under the control of the controller 180 Supply power. The power supply unit 190 includes a battery, which may be an internal battery or a replaceable battery.

At least some of the above components may operate in cooperation with one another to implement a method of operation, control, or control of the smart card 100 according to various embodiments described below. In addition, the operation, control, or control method of the smart card 100 may be implemented on the mobile terminal by driving at least one application program stored in the memory 170.

Hereinafter, the components listed above will be described in detail before explaining various embodiments implemented through the smart card 100 as described above.

First, referring to the communication unit 110, the wireless Internet module 113 of the communication unit 110 refers to a module for wireless Internet access, and may be embedded in the smart card 100 or externally. The wireless Internet module 113 is configured to transmit and receive a wireless signal in a communication network according to wireless Internet technologies.

Wireless Internet technologies include, for example, wireless LAN (WLAN), wireless fidelity (Wi-Fi), wireless fidelity (Wi-Fi) Direct, DLNA (Digital Living Network Alliance), WiBro Interoperability for Microwave Access, High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE) and Long Term Evolution-Advanced (LTE-A) 113 transmit and receive data according to at least one wireless Internet technology, including Internet technologies not listed above.

The short-range communication module 114 is for short-range communication, and includes Bluetooth ™, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB) (Near Field Communication), Wi-Fi (Wireless-Fidelity), Wi-Fi Direct, and Wireless USB (Wireless Universal Serial Bus) technology. The short-range communication module 114 is connected to the smart card 100 and the wireless communication system via the wireless area networks, between the smart card 100 and another mobile terminal or PC, And a network in which another mobile terminal (or an external server) is located. The short-range wireless communication network may be a short-range wireless personal area network.

Here, another mobile terminal may be a wearable device (e.g., a smart watch, smart smart, etc.) capable of interchanging data with the smart card 100 according to the present invention glass, HMD (head mounted display)). The short-range communication module 114 may sense (or recognize) a wearable device capable of communicating with the smart card 100 around the smart card 100. [ If the detected wearable device is a device authenticated to communicate with the smart card 100 according to the present invention, the control unit 180 may transmit at least a part of the data processed in the smart card 100 to the short- 114 to the wearable device. Therefore, the user of the wearable device can confirm the data processed by the smart card 100 through the wearable device. For example, when payment is made through the smart card 100, the user can confirm the payment amount and the information on the credit card used in the payment through the wearable device.

The position information module 115 is a module for obtaining the position (or the current position) of the smart card 100, and representative examples thereof include a Global Positioning System (GPS) module or a Wireless Fidelity (WiFi) module. For example, the smart card 100 can acquire the position of the smart card 100 by using a signal sent from the GPS satellite. As another example, the smart card 100 may utilize the Wi-Fi module to determine the position of the smart card 100 based on information of a wireless access point (AP) that transmits or receives a wireless signal with the Wi- Can be obtained. Optionally, the location information module 115 may replace or additionally perform at least one of the other modules of the communication unit 110 to obtain data regarding the location of the smart card 100. Alternatively, the position information module 115 may be a module for acquiring information related to the current position from another currently connected external device. That is, the position information module 115 is a module used to acquire the position (or current position) of the smart card 100, and is not limited to a module that directly calculates or acquires the position of the smart card 100 .

The control unit 180 controls the operation of the smart card 100 so as to correspond to the input information when the information is inputted through the input unit 120. [ can do. The input unit 120 may include a mechanical input unit (or a mechanical key, for example, a button located on the rear or side of the smart card 100, a dome switch, a jog wheel, Switches, etc.) and touch-based input means. For example, the touch-type input means may comprise a virtual key, a soft key or a visual key displayed on the touch screen through software processing, And a touch key disposed on the touch panel. Meanwhile, the virtual key or the visual key can be displayed on a touch screen having various forms, for example, a graphic, a text, an icon, a video, As shown in FIG.

Meanwhile, as an example of the input unit 120, a touch screen may be formed by combining a display unit 150 and a touch sensor. For example, the touch sensor may be configured to convert a change in a pressure applied to a specific portion of the touch screen or a capacitance generated in a specific portion to an electrical input signal. The touch sensor may be configured to detect a position, an area, a pressure at the time of touch, a capacitance at the time of touch, and the like where a touch object touching the touch screen is touched on the touch sensor. Here, the touch object may be a finger, a touch pen, a stylus pen, a pointer, or the like as an object to which a touch is applied to the touch sensor.

Thus, when there is a touch input to the touch sensor, the corresponding signal (s) is sent to the touch controller. The touch controller processes the signal (s) and transmits the corresponding data to the controller 180. Thus, the control unit 180 can know which area of the display unit 150 is touched or the like. Here, the touch controller may be a separate component from the control unit 180, and may be the control unit 180 itself.

On the other hand, the control unit 180 performs different controls according to the type of the touch object (for example, different fingers of the user) that touches the touch screen (or a touch key provided on the touch screen) Can be performed.

On the other hand, the touch sensors and the proximity sensors discussed above can be used independently or in combination to provide a short touch (touch), a long touch, a multi touch, a drag touch ), Flick touch, pinch-in touch, pinch-out touch, swipe touch, hovering touch, and the like. Touch can be sensed.

The display unit 150 displays (outputs) information processed by the smart card 100. [ For example, the display unit 150 displays information on the battery status (remaining amount, temperature, etc.) of the current smart card 100, or displays information on the selected credit card among the plurality of registered credit cards It is possible. In addition, the display unit 150 may display information received from a specific external server corresponding to the selected credit card (for example, a total amount or a remaining amount paid for a predetermined period through the currently selected credit card).

The interface unit 160 serves as a path for communication with all the external devices connected to the smart card 100. The interface unit 160 receives data from an external device or supplies power to each component in the smart card 100 or transmits data in the smart card 100 to an external device. For example, the interface unit 160 may be implemented in the form of an accessory device capable of wirelessly or wired connection with the smart card 100 as described above, and may include an external charger port, a wired / wireless data port, , A memory card port, and the like.

The memory 170 may store a program for the operation of the control unit 180 and temporarily store input / output data (for example, information on a plurality of credit cards, etc.).

The memory 170 may be a solid state disk (SSD) type, a SDD type (Silicon Disk Drive type), a random access memory (RAM), a static random access memory (SRAM), a read- , Electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), and the like. The smart card 100 may be operated in association with a web storage that performs the storage function of the memory 170 on the Internet.

Meanwhile, as described above, the control unit 180 controls the operation related to the application program and the general operation of the smart card 100 in general. For example, when the status of the smart card 100 satisfies a set condition, the control unit 180 can execute or release a lock status for restricting input of a user's control command to applications.

In addition, the controller 180 may perform control and processing related to the settlement function using any one of the plurality of credit cards stored in advance, or may perform different functions depending on the touch input performed on the touch screen, Can be performed. Further, the controller 180 may control any one or a plurality of the above-described components in order to implement various embodiments described below on the smart card 100 according to the present invention.

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power necessary for operation of the respective components. In addition, the power supply unit 190 may include a connection port, and the connection port may be configured as an example of the interface 160 in which an external charger for supplying power for charging the battery is electrically connected.

As another example, the power supply unit 190 may be configured to charge the battery in a wireless manner without using the connection port. In this case, the power supply unit 190 may use at least one of an inductive coupling method based on a magnetic induction phenomenon from an external wireless power transmission apparatus and a magnetic resonance coupling method based on an electromagnetic resonance phenomenon Power can be delivered.

In the following, various embodiments may be embodied in a recording medium readable by a computer or similar device using, for example, software, hardware, or a combination thereof.

Hereinafter, a structure in which the smart card 100 or the components described above according to an embodiment of the present invention shown in FIG. 1A is disposed will be described with reference to FIGS. 1B and 1C.

Referring to FIGS. 1B and 1C, the disclosed smart card 100 may have a body similar to that of a typical credit card. As shown in FIG. 1B, at least a part of the front surface of the smart card 100 may have a display unit 150 that can be formed as a touch screen. And may further include at least one key 121, 122, 123 for receiving a user input. Of course, the at least one key 121, 122, 123 may be displayed in the form of a soft key displayed through the display unit 150.

Meanwhile, as shown in FIGS. 1B and 1C, the smart card 100 according to the embodiment of the present invention can be implemented in a form similar to a conventional credit card. Although not shown in FIGS. 1B and 1C, the thickness may also have a thickness substantially similar to that of a typical credit card. Accordingly, the user can carry the smart card 100 according to the embodiment of the present invention like carrying a normal credit card, and the user can carry the smart card 100 according to the embodiment of the present invention The payment can be made using the smart card 100 according to the present invention.

That is, in the case of a Tap method in which a credit card is contacted to a specific point of a POS (Point Of Sale) terminal and payment is made, the control unit 180 of the smart card 100 according to the embodiment of the present invention, When the contact with the POS terminal is established, a payment request can be received from the POS terminal. In response to the received payment request, payment can be made by transmitting information on a specific credit card set by the user to the POS terminal by using an NFC or a Bluetooth module provided in the communication unit 110. [

Also, when a credit card is inserted into a terminal and a specific function is performed, such as an ATM terminal of a bank, the smart card 100 according to the embodiment of the present invention is implemented in a form similar to a general credit card as described above, It can be inserted into the inlet. Also, as shown in FIGS. 1B and 1C, the smart card 100 is recognized in the terminal, which has been previously stored by using a chip and a magnetic tape 195 implemented in the same position as a conventional credit card, It can be used in the same way as a credit card. In this case, the magnetic tape 195 included in the smart card 100 according to the embodiment of the present invention may include identification information on the smart card 100. In this case, 100), and receiving the information about the specific credit card from the control unit 180 of the smart card 100, the function for the specific credit card may be performed.

When the identification information of the smart card 100 is included in the magnetic tape 195 included in the smart card 100 according to the embodiment of the present invention, It goes without saying that the smart card 100 according to the embodiment of the present invention may be used in the same manner as a conventional credit card. This is because the credit card currently read through the reading of the magnetic tape 195 in the POS terminal is the smart card 100 according to the embodiment of the present invention and accordingly the control unit 180 of the smart card 100 And a process of receiving information on the selected specific credit card.

Hereinafter, embodiments related to a control method that can be implemented in the smart card 100 constructed as above will be described with reference to the accompanying drawings. It will be apparent to those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.

FIG. 2 illustrates an operation procedure of registering at least one credit card information in a smart card according to an embodiment of the present invention, and a settlement according to the registered credit card information.

Referring to FIG. 2, the controller 180 of the smart card 100 according to the embodiment of the present invention can register at least one credit card (S200).

For example, the control unit 180 may directly receive at least one of the external devices connected through the communication unit 110, that is, at least one device storing credit card information such as a mobile terminal such as a user's smart phone, You can register your credit card. In this case, the external device connected to the smart card 100 may display information that can guide the user how to register the credit card in the smart card 100, Or by an application or a software program previously stored in the memory 170 of the portable terminal 100 or an external device currently connected to the smart card 100. [

It is needless to say that the external device storing the credit card information is not limited to the state in which the credit card is already registered. That is, the external device is not limited to devices registered or activated so that the currently stored credit card information can be used. For example, even if the user simply downloads credit card information from a credit card company to the smartphone of the user, the smartphone may be the external device. In this case, it is needless to say that the user can download the credit card information to the smartphone only when the user has authenticated that the user is the credit card.

When the card information that is not registered in the external device, that is, the card information that is not available and is not activated is stored, the control unit 180 of the smart card 100 may request a user input for registering the received credit card information have. For example, the control unit 180 may request fingerprint information of the user corresponding to the received credit card information, or may request a preset password or a password. In this case, the controller 180 can activate or register the received credit card information based on key input or fingerprint information input through the input unit 120 or the touch screen (the display unit 150). Alternatively, the control unit 180 may request authentication information from a credit card company or a predetermined server corresponding to the received credit card information, and may transmit the authentication information received through the SMS or MMS message received through the mobile terminal of the previously registered user You can also request input. In this case, the user may input the authentication information received from the credit card company or the predetermined server through the mobile terminal through the input unit 120 or the touch screen (the display unit 150) to activate the received credit card information have.

On the other hand, it is needless to say that the external device storing the credit card information may be a device in which the credit card is already registered. If the credit card information registered in the external device in the activated state, that is, the credit card information in which the user's authentication has already been completed, is legitimately received in the smart card 100 according to the embodiment of the present invention, Of course, it may not. Whether or not it has been properly received may be determined by, for example, whether or not it has been received via the memory 170 of the smart card 100 or an application or software program already stored in an external device currently connected to the smart card 100 It is possible.

The credit card information may be received directly from a specific credit card. For example, in the case of a credit card capable of communicating with itself such as NFC or Bluetooth, the control unit 180 of the smart card 100 may receive and store information directly from the credit card. In this case, the smart card 100 may request a user input for registering the received credit card information as described above.

Meanwhile, when the credit card information is stored and registered in the smart card 100 according to the embodiment of the present invention, the use of the other credit cards other than the credit card information registered in the smart card according to the embodiment of the present invention is limited Of course it is possible. That is, as described above, when specific credit card information is stored and registered in the smart card 100, the credit card company of the specific credit card stores the specific credit card 100, except for the payment request made through the smart card 100, It is possible that the user does not approve the payment requested through the request. Accordingly, even if there are different devices (for example, a smart device and an external device according to the embodiment of the present invention) in which the same credit card information is registered, payment can be made only in one of them, So as to prevent the use thereof.

In the above description, credit card information is only registered. However, various types of virtual money as well as credit card information may be registered in the form of the credit card information. For example, the control unit 180 may store bit coin, cyber money, and the like as different payment means information. In this case, the stored virtual moneys can be classified and registered as different payment means according to their types. And may be registered in a manner similar to the manner in which the credit card information is registered.

Meanwhile, in the smart card 100 according to the embodiment of the present invention, not only virtual money but also points accumulated through various affiliate services can be stored and registered. In this case, the control unit 180 of the smart card 100 may receive information on the affiliation point that the user has accumulated from the server corresponding to the affiliate service or a specific company, and may store and register the affiliation point as a separate payment means . The user can then transfer the accumulated points from the available payment means (payment means corresponding to a plurality of credit cards, virtual money, and affiliate points) registered in the smart card 100 to available affiliate points It is possible to select and settle the corresponding payment means. Accordingly, the accumulated affiliation point can be deducted by the amount used for settlement.

If a plurality of credit cards as well as various payment means are registered in the smart card 100 according to the embodiment of the present invention, the controller 180 controls the usage of the smart card 100 to be limited according to the restriction setting of the user (S202). In this case, the control unit 180 may set information on the amount payable through the smart card 100, the number of times that the payment can be made,

For example, the control unit 180 may set a region code or a specific region corresponding to a specific region from the input unit 120 or the touch screen (the display unit 150). Or a mobile terminal connected to the smart card 100, a PC, or the like. In this case, the control unit 180 sets the settlement using the smart card 100 only in the set specific area according to the user's input, or conversely, Respectively. On the other hand, the restriction of payment may be to request additional authentication information or to stop the payment process.

Alternatively, the control unit 180 may set a specific time from the input unit 120 or the touch screen (the display unit 150). The specific time may be set from a mobile terminal connected to the smart card 100 or a PC. In this case, the control unit 180 sets the settlement using the smart card 100 to be possible only at the set specific time according to the user's input, or conversely, Respectively.

Alternatively, the control unit 180 may set the number of times that the smart card 100 can be paid based on the input of the user through the input unit 120 or the touch screen (the display unit 150). In this case, the control unit 180 of the smart card 100 may subtract the number of times the payment can be made, one by one, every time the settlement is made through the smart card 100 after the settlement allowable number is set. If the number of available payments is exhausted, the controller 180 may switch the operation state of the smart card 100 to the inactive state so that the payment using the smart card 100 is no longer performed. Here, the 'deactivation state of the smart card 100' may be a state in which the payment function of the smart card 100 is stopped, and the control unit 180 may display 'LOCK State) 'or a graphic object corresponding thereto or the like to indicate that the smart card 100 is in an inactive state.

On the other hand, the number of settlement times may include only the number of times the settlement is actually completed, or may include not only the number of times the settlement has been completed, but also the number of times that the settlement has failed. This is because, in the case where the smart card 100 is used in an incorrect manner, for example, information of the payment means stored in the smart card 100 is read by the illegal method, So that the use of the smart card 100 is restricted.

In addition, the controller 180 controls the smart card 100 such that the total amount payable or the amount payable at a time is set based on the input of the user through the input unit 120 or the touch screen (the display unit 150) You may. In this case, when the settlement amount is set at one time, the controller 180 can determine whether the settlement can be made according to whether the requested settlement amount exceeds the settable settlement amount when the settlement request is received. And payment can be made only for the requested payment for the amount less than the payment amount.

On the other hand, if the total amount payable is set, the controller 180 subtracts the amount corresponding to the completed payment from the total amount each time the settlement is completed after the settable total amount is set. If the settlement of the amount exceeding the remaining balance in the total amount is requested or the balance becomes '0', the controller 180 switches the operation state of the smart card 100 to the inactive state . In this case, the control unit 180 can display this through the display unit 150. [

Meanwhile, it is needless to say that the condition setting for deactivating the smart card 100 and the payment restriction setting may be separately set. That is, although the settlement is not made according to the payment limit setting, the smart card 100 may be kept in an activated state. For example, if the amount payable at one time is exceeded, the allowable time is exceeded, or the area is not payable, the smart card 100 may not be deactivated, even if payment is not made. Accordingly, if the amount of money less than the amount payable at one time is requested to be paid again within the settlement time or within the settlement area, the control unit 180 instructs the specific settlement means to settle the settlement in response to the settlement request Can be transmitted.

However, if the deactivation condition of the smart card 100 is satisfied, for example, as the number of times that can be settled is exhausted or there is no longer a settleable balance, the smart card 100 can be switched to the inactive state. In this case, the smart card 100 can be turned off and deactivated only when there is an input for releasing the deactivation state such as a touch input of a predetermined pattern or a password or a password. If the deactivation state is released, the deactivation condition of the smart card 100, that is, the number of times the payment can be made or the balance that can be settled, is set to a value initially set by the user before the initial setting value is switched to the unlocked state May be initialized accordingly.

On the other hand, the user's input for setting the limit of the settlement amount or the number of settlement can be variously performed. For example, the input of the user may include a time duration of the input of the predetermined key, a key input pattern formed through a plurality of key inputs, a drag input type applied on the touch screen (the display unit 150) Or the area of an authorized touch input. Hereinafter, an operation procedure in which the settlement amount or the number of settlement can be determined according to various user inputs will be described in more detail with reference to FIG.

Meanwhile, the restriction setting in step S202 may be a restriction setting for any one of a plurality of payment means registered in the smart card 100. [ For example, the user may set a different restriction on each payment means in accordance with a service (for example, a discount service for each payment amount) provided through a specific payment means. Therefore, in this case, even if the payment time or area is out of the predetermined payment means, it is a matter of course that the smart card 100 may be in a usable state, that is, in a state in which payment is possible when another payment means is selected.

Meanwhile, when the smart card 100 is inactivated as described above, the same may be true. That is, even if the number of settlement times or the balance set in the specific settlement means is exhausted, it may be the inactivation of the specific settlement means. Accordingly, when another payment means is selected, the smart card 100 may be switched to the active state again. On the other hand, in order to change from the currently selected payment means, that is, from the deactivated payment means to another payment means, user authentication may be required such as touch input according to a preset password or password, Of course.

In step S202, when the restriction setting for the smart card is completed, the controller 180 can check whether there is a payment request. If the payment request has been received, it is determined whether or not settlement is possible according to the restriction setting in step S202, and based on the determination result, any one of the payment means stored in the settlement unit, for example, In response to the received payment request (S204). Here, any one of the payment means may be selected by the user. When a specific payment means is selected by the user, information on the currently selected payment means may be displayed on the display unit 150. [ An example in which the selection of the payment means and the information of the selected payment means are displayed will be described in more detail with reference to FIG.

Meanwhile, when the payment information is transmitted, settlement can be performed based on the transmitted payment information. For example, when settlement is made, payment completion information transmitted from an external server or a credit card company corresponding to the transmitted payment means may be received. The received payment completion information can be displayed through the display unit 150. [ Here, the payment completion information displayed through the display unit 150 may include the total amount of money already paid from the time point preset by the currently selected payment means, the payable balance, Or information on the balance of the settlement amount can be displayed. Hereinafter, an example in which the payment completion information is displayed on the display unit 150 will be described in more detail with reference to FIG.

Meanwhile, when the settlement is completed, the controller 180 can determine whether the switching condition to switch the operation state among the restriction settings set in step S202, that is, the switching condition to the locked state (the inactive state) is satisfied S206). If the operating state change condition is the number of settlement allowable or the total amount of settlement as described above, the control unit 180 can check whether the allowable number of payments or the balance of the allowable amount remains in step S206 have.

If it is determined in step S206 that the switching condition of the operating state is not satisfied, the process proceeds to step S204 to detect whether there is a received payment request. However, if it is determined in step S206 that the switching condition of the operation state is satisfied, that is, if the number of settlement times or the balance of the settlement amount is exhausted, the controller 180 sets the inactive state (or lock state) The operation state can be switched to a state in which execution of at least one function including a payment function among the functions executable in the card 100 is restricted (S208).

When the smart card 100 is switched to the inactive state as described above, at least one function including the payment function may be suspended. Accordingly, the payment function for all of the plurality of payment means currently stored in the smart card 100 can be restricted. The control unit 180 may indicate that the current operation state is the locked state through the display unit 150. [

On the other hand, when the controller 180 is in the inactive state, the controller 180 can release the lock state (i.e., change from the inactive state to the lock state) based on the user's predetermined input. For example, the predetermined input of the user may be key input of a specific pattern applied to a plurality of keys, fingerprint information of a user, or a password or a password.

When the locked state is released, the controller 180 may initialize the switching condition to be switched to the locked state. That is, the user can restore the initial value set in step S202 before the locked state or the remaining amount of the settlement amount is released. This is to enable the user to use the smart card 100 again when the locked state of the smart card 100 is released by the user as described above.

Meanwhile, in the above description, it is mentioned that the settlement amount or the number of settlement times can be determined according to various user's input. FIG. 3 is a flowchart illustrating a process of setting a condition that a function of a smart card is restricted according to a user's input in a smart card according to an embodiment of the present invention.

For example, the controller 180 may store and register information on at least one payment means in step S200 of FIG. If a preset key is input, the controller 180 may enter a mode for setting a restriction condition for restricting use of the smart card 100 (S300).

On the other hand, when the user enters into the restriction condition setting mode, the control unit 180 sets the total amount payable or the number of times the payment can be made based on the input of the user through the input unit 120 or the touch screen (the display unit 150) .

For example, the control unit 180 may increase or decrease the total amount of settlement or the number of settlement times according to the duration of the input of the predetermined key. An example in which the number of settlement times or total amount of settlement is determined according to the input time for a specific key will be described in more detail with reference to FIGS. 5 and 6. FIG.

Further, the control unit 180 may be configured to determine whether the input pattern formed by at least one of the plurality of keys, the length of the drag input applied to the touch screen, the pressure sensed when the key is input, Or the total amount of money that can be settled. That is, when the user presses the key more strongly or rubs one point on the touch screen around the point where the first touch input is applied so that the contact area becomes wider on the area where the specific key is displayed on the touch screen, ) Can set the above-mentioned number of settlements or the total amount of settlement to a larger value. Conversely, when the user touches lightly a key or a point on the touch screen on which the specific key is displayed, the number of settlement times or the total amount of settlement can be set to a smaller value.

On the other hand, the control unit 180 may set the number of times of payment or the total amount payable based on the fingerprint of the user recognized upon touch input. That is, the controller 180 can recognize the fingerprint information of the user's fingers and store the fingerprint information, respectively. Then, the controller 180 can confirm which finger of the user has made the touch input sensed to set the settlement count or the settlement total amount. Further, the user can set the predetermined number of times of payment or the total amount of money that can be settled in accordance with a specific amount or a predetermined number of times determined according to the user's finger. It should be noted that the number of settlement times or the total amount of settlement can be all set according to the user's selection.

On the other hand, if the number of available payments or the total amount payable is limited, the use of the smart card 100 may be restricted depending on the number of available payments and the total amount payable. This is because the smart card 100 can be switched to the inactive state when the set number of times or the total amount is exhausted. Accordingly, even when the user temporarily transfers the smart card 100 to a third party, the user can restrict the payment to be made only to the allowable number of times or the total amount payable. Accordingly, even if the smart card 100 is temporarily transferred to a third party by the user, the third party can use the smart card 100 only within a range allowed by the user.

In the above description, the process of storing and registering information on a plurality of payment means in the smart card 100 according to the embodiment of the present invention, the process of setting various restriction conditions related to the payment function, And the operation state is changed to the locked state according to the predetermined operation state change condition, with reference to the flowcharts.

In the following description, an example in which information on a plurality of payment means is stored and registered in the smart card 100 according to an embodiment of the present invention, an example in which the restriction condition is set, and an example in which the lock state is released Will be described in more detail with reference to the accompanying drawings.

4 is an exemplary diagram illustrating an example in which a smart card according to an embodiment of the present invention is registered with a plurality of credit card information in cooperation with a mobile terminal.

4, the first embodiment of the present invention will be described with reference to FIG. 4, in which a smart card 100 according to an embodiment of the present invention operates in cooperation with a mobile terminal 400, Information is stored in the smart card 100. FIG.

4, when the smart card 100 according to the embodiment of the present invention approaches within a certain distance, the mobile terminal 400 may be connected to a short distance communication unit such as Bluetooth, NFC, It is possible to detect the smart card 100 in contact with the mobile terminal 400 at an adjacent position. In this case, the display unit 410 of the mobile terminal 400 informs the user that the smart card 100 is detected, and the smart card 100 is stored and / or registered in the mobile terminal 400 It is possible to display a selection screen 412 for selecting whether or not to register the information on the payment means.

In this case, as shown in the first drawing of Fig. 4, when the user selects to register the information on the payment means stored and / or registered in the mobile terminal 400 to the smart card 100 The controller of the mobile terminal 400 may display guide information for guiding the process of registering information on the previously stored payment means in the smart card 100. [

For example, the control unit of the mobile terminal 400 may include a graphic object 422 corresponding to the smart card 100 and a graphic object 422 corresponding to the current mobile terminal 400, Or the graphic object 430 displaying the graphic objects corresponding to the registered payment means may be displayed on the display unit 420 of the mobile terminal 400. [

In this state, the control unit of the mobile terminal 400 may select at least one of the currently stored and / or registered payment means in the mobile terminal 400 from the user. 4, when the A card and the B card among the payment means currently stored and / or registered in the mobile terminal 400 are selected by the user, the mobile terminal 400 May display the graphic object 432 corresponding to the selected A card and the graphic object 434 corresponding to the B card separately from graphic objects corresponding to other payment means.

Meanwhile, in this state, the control unit of the mobile terminal 400 may sense a user's input for moving the selected graphic objects 432 and 434. For example, the control unit of the mobile terminal 400 detects a touch input at one point of the display unit 420 on which the graphic objects 432 and 434 are displayed, and then displays the graphic object 422 on the display unit 420 may be sensed as an input of a user to move the graphic objects 432, 434 when a drag input is detected.

4, the graphic object 432 corresponding to the A card and the graphic object 434 corresponding to the B card are displayed on the display unit 422 on which the graphic object 422 is displayed 420). ≪ / RTI > When the operation related to the movement of the payment means is terminated in this state, the controller 180 of the mobile terminal 400 transmits the information of the A card and the B card respectively corresponding to the graphic objects 432 and 434, To the smart card (100). In this case, the controller 180 of the smart card 100 may store the information of the A card and the B card received from the mobile terminal 400 and register the information. For example, the registration of the A card and the B card may be performed by a password, a password, or fingerprint information input through the input unit 120 or the touch screen (the display unit 150).

Meanwhile, the A card and the B card may not be simply stored in the mobile terminal 400, but may be registered to be usable. In this case, the registration of the A card and the B card in the smart card may be omitted.

4, when the information about the A card and the B card is transmitted to the smart card 100, the mobile terminal 400 deletes the previously registered or stored information on the A card and the B card, , It is possible to switch to the inactive state. This is because when both the mobile terminal 400 and the smart card 100 are able to settle using the A card and the B card, In order to prevent the use and the danger thereof.

Meanwhile, the display of the processes and guide information shown in FIG. 4 may be performed by an application or an application program preset in the mobile terminal 400, for storing and registering information related to the payment means in the smart card 100 have. Or the application or application program may be stored in the memory 170 of the smart card 100 or a predetermined external server. In this case, the mobile terminal 400 may receive the application or application program from the external server or the smart card 100 when the smart card 100 is detected.

5 and 6 illustrate an example of setting a restriction condition in which the use of the smart card 100 is restricted after the payment means information is registered in step S200 of FIG. 5 and 6 illustrate an example in which the number of settleable times and the total amount payable out of the restriction conditions are set.

First, referring to FIG. 5, the first diagram of FIG. 5 illustrates an operation mode in which a limit of the number of settlement times is set according to a key input of a user, according to an embodiment of the present invention. In the example shown in FIG. For example, when the second key 122 is input for a predetermined time or more, or the keys (the first key 121, the second key 122, and the third key 123) provided in the input unit 120, And enters an operation mode for setting a limit of the number of settlement times when the predetermined pattern is input according to the predetermined pattern. In this case, the initially settable value of the number of settlement times may be set to '0'. In this case, if the number of settlement times is 0, the controller 180 can determine that the number of settlement times is not set.

In this state, when the key corresponding to the 'increase' of the currently set value is input by the user, the controller 180 may increase the currently set value. That is, as shown in the second diagram of FIG. 5, when the third key 123 is input, the controller 180 may increase the currently set initial value. Accordingly, the increased value '1' may be displayed on the display unit 150.

On the other hand, when the user keeps the current key input state for a predetermined time or more while the third key 123 is being input, the control unit 180 determines the duration of the input of the third key 123 The set value can be continuously increased. That is, if the input is continued for 1 second, the set value '1' is further increased. If the user presses the key input of the third key 123 for 4 seconds in the state shown in the second drawing of FIG. If the state is further maintained, the set value may be increased to ' 5 times ' as shown in the third diagram of Fig.

If the currently set value is the value desired by the user, the controller 180 may input another key (for example, the second key 122) to terminate the current operation mode, that is, the limit setting of the number of settlement times. In this case, as shown in the fourth diagram of FIG. 5, the control unit 180 may display the currently settable number of settlements on the display unit 150. FIG.

In the second and third figures of FIG. 5, only the example in which the currently set value is increased is described. It is needless to say that the set value may be decreased when the user inputs another key. 5, when the user inputs the first key 121, the controller 180 sets the currently set value to '1' based on the input of the first key 121, 1 'can be deducted. If the input of the first key 121 is continued, it may be subtracted from the key input duration of the first key 121 until the currently set value becomes an initial value, for example, '0' Of course it is.

Accordingly, the user can freely set the desired number of settlement times based on the key input time of the first key 121 and the third key 123. [ If the number of settlement times is set to one or more times, the controller 180 can determine that the number of settlement times according to the currently set value is limited. When the operation mode for limiting the number of settlement times is terminated, the control unit 180 may apply the set limitations, that is, restrictions according to the number of settlement times. Therefore, if the number of settlement times is set to 5 as shown in the fourth diagram of FIG. 5, the 'number of times the settlement has been completed' or 'the number of times the settlement is completed and the number of failed settlement attempts' The control unit 180 can switch the operation state of the smart card 100 to an inactive state, that is, a locked state.

Meanwhile, the display unit 150 may display information on the current state of the smart card 100 as well as information related to the current operation mode. 5, the control unit 180 may display a graphical object 500 corresponding to the battery status of the current smart card 100 on the display unit 150 to display the current status It is possible. In the description of FIG. 5, only the battery status is displayed, but other status information may be displayed instead of or in addition to the graphic object 500.

On the other hand, Fig. 6 shows an example in which the total amount payable is limited in a manner similar to Fig. 5 above.

6, the first diagram of FIG. 6 illustrates an operation mode in which a limit of a total amount payable according to a user's key input is set in a smart card 100 according to an embodiment of the present invention. As shown in Fig. For example, when the second key 122 is input for a predetermined time or more, or the keys (the first key 121, the second key 122, and the third key 123) provided in the input unit 120, The user can enter the operation mode of limiting the total amount payable if the user inputs the predetermined amount according to the predetermined pattern. In this case, the initially settable total amount of money can be set to '\ 0'. In this case, if the total amount payable is 0, the controller 180 can determine that the total amount payable is not set.

In this state, when a key corresponding to 'increase' of the currently set value is input by the user, the controller 180 may increase the currently set amount. That is, as shown in the second diagram of FIG. 6, when the third key 123 is input, the controller 180 may increase the currently set initial amount by a predetermined amount. Accordingly, the amount '\ 10,000' increased according to the predetermined amount of money may be displayed on the display unit 150.

On the other hand, when the user keeps the current key input state for a predetermined time or more while the third key 123 is being input, the control unit 180 determines the duration of the input of the third key 123 The amount can be increased continuously. That is, if the input is continued for one second, the amount '\ 10,000' of the predetermined unit is further increased. If the user presses the third key (for example, 123), the amount to be set can be increased to '\ 100,000' as shown in the third diagram of FIG.

If the amount of money currently set is the amount desired by the user, the control unit 180 can input a different key (for example, the second key 122) to terminate the setting for limiting the current operation mode, that is, have. In this case, as shown in the fourth diagram of FIG. 6, the control unit 180 may display the currently settable total amount of money on the display unit 150. FIG.

Meanwhile, in the second and third figures of FIG. 6, only the example in which the currently set amount is increased has been described. It is needless to say that the set amount may be reduced when the user inputs another key. 6, when the user inputs the first key 121, the controller 180 determines the current amount of money to be set based on the input of the first key 121 It can be deducted by '\ 10,000' which is the preset amount of money. If the input of the first key 121 is continued, the current key value is continuously changed according to the key input duration of the first key 121 until the currently set value becomes an initial value, for example, It is also possible to deduct the amount by the amount of the set unit.

Accordingly, the user can freely set a desired total payment amount based on the key input time of the first key 121 and the third key 123. [ If the total amount of settlement is set to exceed 0, the controller 180 may determine that the total amount of settlement is limited according to the amount of money currently set. When the operation mode for limiting the total amount of settlement is terminated, the control unit 180 may apply the restriction according to the set limit, that is, the total amount payable.

Therefore, if the total payment amount is set to '\ 100,000' as shown in the fourth diagram of FIG. 6, if the total sum of the settlement amounts exceeds '\ 100,000', the control unit 180 The operating state of the smart card 100 can be switched to the inactive state, that is, the locked state. When the total payment amount is set as described above, the control unit 180 determines that the payment requested amount has been subtracted from the total chargeable amount according to the settlement amount, It may be determined whether or not settlement according to the settlement request is possible according to whether the balance is exceeded. If the requested amount of money exceeds the balance, the display unit 150 may display that payment is not possible.

Alternatively, when the total amount payable is set, the control unit 180 may display the total amount payable, display the remaining amount on the display unit 150 by subtracting the amount corresponding to the completed payment each time the payment is completed Of course it is. If the requested amount of money exceeds the balance, the display unit 150 may display that payment is not possible.

7 is an exemplary diagram illustrating an example in which one credit card information for payment is selected in the smart card 100 according to the embodiment of the present invention.

7, the first diagram of FIG. 7 shows an example in which the smart card 100 according to the embodiment of the present invention enters an operation mode in which a specific payment means is selected according to a user's key input will be. For example, when the second key 122 is input for a predetermined time or more, or the keys (the first key 121, the second key 122, and the third key 123) provided in the input unit 120, And when it is input in accordance with the preset pattern, it enters the operation mode in which the payment means is selected. When entering the operation mode for selecting the payment means, the controller 180 displays information on the first payment means (first payment means) in the predetermined order among the plurality of currently registered payment means on the display unit 150). The second diagram of FIG. 7 shows this example.

Referring to the second drawing of FIG. 7, the second drawing of FIG. 7 shows an example in which the name 710 and related information of the first payment means among a plurality of payment means are displayed. For example, the information related to the first payment means may be information related to a predetermined payment limit amount for the first payment means. For example, as shown in FIG. 7, when the first payment means is displayed, the controller 180 stores the total amount paid through the first payment means from the preset time point to the current time point, Information 712 on the amount of money subtracted from the payment limit amount previously set in the payment means, that is, the remaining limit that can be paid through the first payment means, may be further displayed.

In this state, when the key for movement (for example, the third key 123) is inputted to the payment means corresponding to the next turn of the payment means currently displayed on the display unit 150, the control unit 180 controls the display unit 150 (Second payment means) corresponding to the next turn of the payment means displayed on the display unit 150. [0216] FIG. The third diagram in Fig. 7 shows this example.

7, when the third key 123 is input, the control unit 180 receives information related to another payment means (second payment means), for example, the name of the payment means Or a remaining limit that can be paid through the payment means.

On the other hand, in the second drawing and the third drawing of FIG. 7, an example is shown in which the remaining limit that can be settled through the payment means currently displayed on the display unit 150 is displayed, but the present invention is not limited thereto. For example, instead of the remaining settlement limit, the maximum amount of money set in the payment means currently displayed on the display unit 150, or the total amount paid through the payment means currently displayed from the preset time to the present . Or information on the status of the smart card 100 may be displayed.

On the other hand, if the current key input state is continuously maintained for a predetermined time or longer in this state, the control unit 180 continuously informs information related to other payment means based on the duration of the input of the third key 123 And may be displayed on the display unit 150 in order according to the set order.

7, if a key for moving to a payment means corresponding to a previous key of the payment means currently displayed on the display unit 150 (for example, a first key: The control unit 180 may display on the display unit 150 information related to the payment means (first payment means) corresponding to the previous order of the payment means currently displayed on the display unit 150 Of course.

Accordingly, the user can freely select the desired payment means based on the key input of the first key 121 and the third key 123 and the key input time.

On the other hand, the control unit 180 may terminate the operation mode for selecting the payment means in response to the input of the preset key (the second key 122). In this case, when the operation mode for selecting the payment means ends, the payment means for displaying the related information on the display unit 150 may be selected.

If the payment means is selected, the control unit 180 may display various information related to the currently selected payment means. For example, as shown in the fourth diagram of FIG. 7, the controller 180 may display information on the name 730 of the currently selected payment means, and may display information on the name 730 of the currently selected payment means by the selected payment means And may display information on the total amount 732 that has been settled.

Meanwhile, in the above-described FIG. 7, one of the payment means is selected by using a plurality of keys, but it is needless to say that the payment means may be selected in a different manner. For example, the plurality of payment means may be set to correspond to fingerprints of different users, respectively. In this case, it goes without saying that the control unit 180 can directly select any one of the payment means based on the fingerprint information sensed through the touch screen (the display unit 150).

8 is an exemplary diagram illustrating an example in which a payment function is performed using the selected credit card information in the smart card 100 according to the embodiment of the present invention.

Referring to FIG. 8, the first diagram of FIG. 8 illustrates an example in which settlement is performed using the smart card 100 according to an embodiment of the present invention. 8, the display unit 150 of the smart card 100 according to the embodiment of the present invention displays the name 850 of the currently selected payment means and related information (for example, The total amount paid from the specific time point to the present through the payment means: 852) may be displayed.

In this state, if payment is made as shown in the first drawing of FIG. 8, the controller 180 may display various information on the currently selected payment means on the display unit 150. For example, the control unit 180 may display the total amount paid from the specific time to the present through the currently selected payment means. In this case, as shown in the second diagram of FIG. 8, the total amount 852 after the payment is made and after the payment is made may be changed. This is because the settlement amount has been further reflected in the settlement request.

On the other hand, if there is a preset limit setting, the control unit 180 of the smart card 100 according to the embodiment of the present invention may display information related to the limit setting, as shown in the fourth drawing of FIG. 8 have. For example, the control unit 180 may display a remainder (eg, 3 times: 860) of the settable times when the number of settlements is limited to the smart card 100.

Meanwhile, in the fourth diagram of FIG. 8, the case in which the number of settlement times is limited in the smart card 100 is described as an example, but it is needless to say that information relating to other limit settings may be displayed. For example, if the total amount payable is limited, the control unit 180 may display the remaining amount of the settable total amount of money. Alternatively, the control unit 180 may display information related to this restriction setting when the amount payable at once, the payable time, or the payable area is limited.

On the other hand, when the operation state is switched according to the condition for switching the operation state, for example, the number of settlement times or the total amount of the limit setting, the smart card 100 according to the embodiment of the present invention is in an inactive state That is, to the locked state. In this case, the control unit 180 can release the locked state when a predetermined input from the user is applied. 9 and 10 illustrate examples in which a user's input for releasing the smart card 100 is applied when the smart card 100 is switched to a locked state in which at least one function including a payment function is restricted.

9 is an exemplary diagram illustrating an example in which, when a smart card according to an exemplary embodiment of the present invention is switched to an inactive state, the active state is switched according to a user's input.

Referring to FIG. 9, the first diagram of FIG. 9 shows a state in which the smart card 100 according to the embodiment of the present invention is switched to the locked state. In this case, the control unit 180 may display the graphic object 900 on the display unit 150 for displaying the current state of the smart card 100, that is, the locked state. In this state, the controller 180 may enter an operation mode for receiving a key for releasing the lock state when a predetermined input is sensed. For example, when the second key 122 is input for a predetermined time or more, or the keys (the first key 121, the second key 122, and the third key 123) provided in the input unit 120, The controller may enter an operation mode for receiving a key for releasing the lock state.

Meanwhile, when the mode is switched to the operation mode for receiving the key for releasing the lock state, the controller 180 may display information 910 related to the currently set password. For example, the control unit 180 may display information on the number input by the user or the number of digits of the password.

In this state, if the key for releasing the lock state is a password consisting of a predetermined number of digits, the controller 180 may receive at least one number according to a key input of the user. For example, the control unit 180 may receive a number corresponding to the first order of the password according to the number of times the first key 121 or the third key 123 is input or the input time. That is, as shown in the second diagram of FIG. 9, the controller 180 determines whether the number of times the user inputs the third key 123 or the number of digits input according to the duration of the input of the third key 123, Can be increased. On the contrary, the number currently input may be reduced according to the number of times the user inputs the first key 121 or the time the input of the first key 121 is continued.

Accordingly, the user can input a desired number based on the key input time of the first key 121 and the third key 123. When a desired number is input, the second key 122 is input to complete the input, and a number corresponding to the next input can be input.

This process can be repeated until the user enters the last digit of the predetermined password. When the inputting of the last number is completed as shown in the third drawing of FIG. 9, if the currently inputted password does not match the pre-set password, the controller 180 determines that the password is different And can keep the locked state. However, if the entered password matches the pre-set password, a graphical object 920 may be displayed on the display 150 to indicate that the locked state is released, as shown in the fourth diagram of FIG.

On the other hand, in FIG. 9, only the case where the input unit 120 has only three keys is described. It is a matter of course that the password may be input in a different manner when more or fewer keys are provided. Of course, the key may also be displayed in the form of a soft key displayed on the touch screen.

On the other hand, the predetermined key input for unlocking may be not only a password or a password, but also a touch input or a key input for forming a predetermined pattern. Fig. 10 shows an example of such a case. Hereinafter, description will be made on the assumption that the display unit 150 is implemented in the form of a touch screen.

For example, in a state where the smart card 100 according to the embodiment of the present invention is switched to the locked state, when the user enters the operation mode in which the key for unlocking is inputted according to the key input, The area of the display unit 150 can be divided into a plurality of areas. In addition, the smart card 100 may be unlocked by comparing a pattern formed according to the order of areas in which the user's touch input is sensed, among the plurality of areas, which are partitioned, with a predetermined pattern.

That is, as shown in the first drawing and the fourth drawing of FIG. 10, the controller 180 has four areas (a first area 1010, a second area 1020, a third area 1040, The display unit 150 can be divided into a plurality of display units. A specific touch pattern can be formed according to the touch input of the user, which is sensed from the respective areas of the display unit 150. That is, as shown in the first drawing and the fourth drawing of FIG. 10, when the user views the first area 1010, the fourth area 1040, the second area 1020, and the first area 1010 sequentially The controller 180 may form a pattern according to the order in which the first area 1010, the second area 1020, and the fourth area 1040 are touched. Then, the pattern formed and the pre-stored touch pattern can be compared. If it is determined that the formed pattern matches the pre-stored touch pattern, the control unit 180 can release the lock state of the smart card 100. In this case, a graphic object 920 may be displayed on the display unit 150 to indicate that the locked state is released, as shown in the fourth diagram of FIG. The condition for switching the operation state of the smart card 100, that is, the restriction condition based on the number of times the payment can be made or the total amount, for example, may be initialized according to the initial value set by the user. This is to enable the user to use the smart card 100 again when the locked state is released.

Meanwhile, in the above description, it has been described that the settlement available amount corresponding to the predetermined number of settlement times or the predetermined amount is exhausted under the condition that the smart card 100 is inactivated, but other conditions may be set as well Of course. For example, the control unit 180 may determine whether the user has moved away from the user by a predetermined distance or not, and may switch the operation state of the smart card 100 to an inactive state. That is, when it is determined that the current position is separated from a specific device such as a smart phone carried by a user, for example, a user, the control unit 180 sets the operation state of the smart card 100 to an inactive state You can switch.

Of course, whether or not to switch the operation state to the inactive state according to the separation distance from the user may be determined depending on the user's selection. That is, the user can cancel the switching of the operation state according to the separation distance from the user as described above. Accordingly, even when the smart card 100 according to the embodiment of the present invention is temporarily transferred from a user to a third party, the smart card 100 is separated from the user by a predetermined distance or more, The third party can make settlement using the smart card 100 according to the embodiment of the present invention within a range allowed by the user.

On the other hand, when the transfer of the smart card 100 is not performed by the user, the control unit 180 of the smart card 100 deactivates the operation state of the smart card 100 when the user is separated from the user by a predetermined distance or more Of course. Accordingly, when the smart card 100 is transferred to a third party due to an unauthorized transfer, that is, an illegal act, the control unit 180 switches the smart card 100 to an inactive state, .

The present invention described above can be embodied as computer-readable codes on a medium on which a program is recorded. The computer readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of the computer readable medium include a hard disk drive (HDD), a solid state disk (SSD), a silicon disk drive (SDD), a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, , And may also be implemented in the form of a carrier wave (e.g., transmission over the Internet). Also, the computer may include a control unit 180 of the terminal. Accordingly, the above description should not be construed in a limiting sense in all respects and should be considered illustrative. The scope of the present invention should be determined by rational interpretation of the appended claims, and all changes within the scope of equivalents of the present invention are included in the scope of the present invention.

Claims (15)

A memory for storing information on a plurality of payment means; And
And a controller for performing the requested payment through the selected one of the plurality of payment means when a payment request is received,
Wherein,
Wherein the at least one of the number of settlements available from the user and the total settleable amount is set and the requested settlement is performed based on the set total amount, And switching the operation state of the smart card to a locked state in which at least one function of the functions executable in the smart card is limited, including a payment function, when the remaining balance is exhausted according to the set total amount A smart card.
The method according to claim 1,
An input unit including at least one key; And
Further comprising a display unit capable of displaying image information,
Wherein,
Wherein the number of settleable times and the total amount payable are set based on the number of times the specific key is input or the length of time the input of the specific key is continued among the plurality of keys.
3. The apparatus of claim 2,
And displays information on the selected payment means on the display unit when any one of the plurality of payment means is selected to perform the requested payment.
4. The information processing apparatus according to claim 3,
A sum of a name of the selected payment means, a limit of a balance that can be paid using the selected payment means, and a sum of an amount of money that has been paid through the selected payment means from a predetermined time point to the present. Card.
The display device according to claim 2,
And a touch screen including a touch sensor,
Wherein the plurality of keys are soft keys displayed on the touch screen.
6. The apparatus of claim 5,
Wherein the number of settlements and the total amount payable are set based on a fingerprint sensed through the touch screen.
6. The apparatus of claim 5,
And selects one of the plurality of payment means based on a fingerprint sensed through the touch screen.
3. The apparatus of claim 2,
And displays a total amount paid from a predetermined time point to the present by the selected payment means or a remaining limit amount payable through the selected payment means when the requested payment is performed.
3. The apparatus of claim 2,
And when the requested payment is performed, displays information on the balance that can be settled according to the remaining amount of the settlement number or the set total amount.
3. The apparatus of claim 2,
Further displaying information related to the current state of the smart card,
Wherein the current state of the smart card comprises:
A current state of the smart card, and a current state of the smart card.
The apparatus of claim 1,
Wherein at least one of the number of settlements and the total amount of settlement is set for any one of the plurality of settlement means,
If the number of settlement times is exhausted or the remaining settlement amount is exhausted according to the set total amount, any one of the settlement means in which the settlement possible number of times and the total settleable amount is set is switched to the inactivated state Wherein the smart card is a smart card.
The apparatus of claim 1,
When the predetermined user input is detected, releasing the locked state, and resetting at least one of the number of times of payment and the total amount payable to a predetermined initial value.
13. The method as claimed in claim 12,
The number of settlements that can be set before the lock state is released, and the total amount payable.
The billing system according to claim 1,
At least one credit card, at least one kind of virtual money, or an affiliation point accumulated through a predetermined affiliate service.
A method for controlling a smart card,
Storing information on a plurality of payment means and registering the plurality of payment means so as to be usable;
Setting a number of payable times and a total amount payable;
Performing the requested payment through any one of the plurality of payment means when the payment request is received;
If the number of settlement times is exhausted as a result of performing the requested settlement, or if the settlement remaining amount is exhausted according to the set total amount, the operation state of the smart card is executed on the smart card including the settlement function Switching to a locked state in which at least one function of the possible functions is limited,
The step of performing the settlement includes:
And performing the settlement only when the requested amount of money is less than the total amount of the settlement.

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