KR20170126687A - Smart card and method for controlling the same - Google Patents

Abstract

A smart card according to the present invention includes: a memory for storing payment details by the smart card; and a control unit for generating a complex payment means enabling sequential payment by a plurality of payment means at one time based on the repetition of the sequential payment by the plurality of payment means a predetermined number of times or more in a specific situation based on the payment details, and setting the smart card to a state in which payment by the complex payment means is possible based on the re-detection of the specific situation. Accordingly, the present invention can execute payment and accumulation that require several payment operations, through one payment operation.

Description

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

The present invention relates to a smart card storing information on a plurality of payment means 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.

The present invention is directed to solving the above-mentioned problems and other problems. Another object of the present invention is to provide a smart card and a control method of the smart card for creating a complex payment means for making payment by a plurality of payment means all at once based on the context recognition and recommending the compound payment means.

According to an aspect of the present invention, there is provided a mobile terminal comprising: a memory for storing payment details by a smart card; And a complex payment means for enabling sequential settlement by the plurality of payment means at one time based on the fact that sequential settlement by a plurality of payment means is repeated a predetermined number of times or more in a specific situation based on the settlement history, And a controller for setting the smart card in a state in which payment by the complex payment means is possible based on that the specific situation is detected again.

In the embodiment, the specific situation may be defined by at least one of a settlement place, a settlement time, and a settlement amount.

In another embodiment, the control unit may be configured to calculate, based on the payment history, that the sequential payment by the plurality of payment means is repeated a predetermined number of times or more at a specific time in a specific time zone, And the smart card is set in a state in which payment by the compound payment means is possible based on the fact that the mobile terminal is located at the specific place in the specific time zone .

In another embodiment, the control unit may output time information corresponding to the compound payment means to the display unit when the specific situation is detected again.

In yet another embodiment, the control unit may output the payment details of the complex payment means to the display unit based on completion of the payment by the complex payment means.

In another embodiment, the control unit may generate a plurality of compound payment means corresponding to the specific situation on the basis of the payment details, It is possible to output a plurality of corresponding time information to the display unit.

In another embodiment, the control unit may set the smart card in a state in which payment by the selected complex payment means is possible based on a user input for selecting one of the plurality of compound payment means is applied to the input unit .

In yet another embodiment, the control unit may be configured to allow, based on the input of a user input for selecting a payment method by the compound payment means, to enable payment by the compound payment means according to the selected payment method The smart card can be set.

In another embodiment, the control unit displays a message asking whether the compound payment means is to be used on the display unit based on the detection of the specific situation again, and a user input for selecting whether to use the compound payment means It is possible to determine whether or not to set the smart card in a state in which the payment by the complex payment means is possible based on the information which is added to the input unit.

In another embodiment, the control unit deletes the complex payment means and outputs a deletion notification message to the display unit based on the fact that the payment to the complex payment means is not made more than the predetermined number of times in the specific situation .

In another embodiment, the control unit outputs to the display unit a message asking whether or not the compound payment means should be deleted based on the fact that the payment to the compound payment means is not made more than a predetermined number of times in the specific situation , It is possible to determine whether or not the compound payment means is deleted based on whether a user input for selecting whether or not to delete the compound payment means is applied to the input unit.

In another embodiment, the control unit may delete the complex payment means based on the user input to delete the complex payment means being applied to the input unit.

In another embodiment, the control unit generates a compound payment means for enabling sequential payment by the selected plurality of payment means at one time based on the user input for selecting a plurality of payment means being applied to the input unit And the smart card can be set in a state in which settlement by the complex payment means is possible.

In another embodiment, the control unit may be configured to perform, based on time information calculated by an RTC (Real Time Clock) module, sequential payment by a plurality of payment means in the specific situation or the specific situation, Repeatability can be calculated.

According to another aspect of the present invention, there is provided a payment system for a mobile terminal, comprising: (a) based on a payment history by a smart card, based on a calculation that a sequential payment by a plurality of payment means is repeated a predetermined number of times or more, Generating a complex payment means for enabling sequential payment by the payment means at one time; And (b) setting the smart card in a state in which settlement by the complex payment means is possible based on that the specific situation is detected again.

In the embodiment, the specific situation may be defined by at least one of a settlement place, a settlement time, and a settlement amount.

In another embodiment, the step (a) may further include a step of calculating, based on the payment history, that a sequential payment by a plurality of payment means is repeated a predetermined number of times or more at a specific time in a specific time zone, The method comprising the steps of: (a) generating a complex payment means for enabling sequential settlement by the payment means of the mobile terminal at one time; and (b) And setting the smart card in a state in which settlement by the complex payment means is possible.

In another embodiment, the step (b) may include the step of outputting time information corresponding to the compound payment means to the display unit when the specific situation is detected again.

In another embodiment, the step (b) may include outputting the payment details of the complex payment means to the display unit based on completion of payment by the complex payment means.

In another embodiment, the step (a) may include: generating a plurality of compound payment means corresponding to the specific situation on the basis of the payment details; And outputting a plurality of pieces of time information corresponding to the respective means to the display unit.

In another embodiment, the step (b) may further include a step of, based on the input of a user input for selecting one of the plurality of compound payment means, And setting a card.

In another embodiment, the step (a) may include: a step of, based on the time information calculated by the RTC (Real Time Clock) module, performing sequential payment by the plurality of payment means in the specific situation or the specific situation And calculating the number of repetitions more than the set number of times.

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, there is an advantage that payment and accumulation that require a plurality of settlement operations can be executed by one settlement operation.

In addition, according to at least one embodiment of the present invention, the complex payment means is automatically generated based on the context-awareness, thereby eliminating the need to manually set the user.

Further, there is an advantage that a more personalized complex payment means can be provided on the basis of the situation based on the payment history of the user.

Further scope of applicability of the present invention will become apparent from the following detailed description. It should be understood, however, that the detailed description and specific examples, such as the preferred embodiments of the invention, are given by way of illustration only, since various changes and modifications within the spirit and scope of the invention will become apparent to those skilled in the art.

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. 1D is a block diagram for explaining the operation of a real time clock (RTC) module provided in a smart card according to an embodiment of the present invention.
FIG. 2 is a flowchart illustrating a method of controlling a smart card according to the present invention.
3 is a conceptual diagram for explaining an embodiment in which sequential settlement by a plurality of settlement means is performed in a specific situation.
4 is a conceptual diagram for explaining an embodiment in which a complex payment means corresponding to a specific situation is recommended.
5 is a conceptual diagram for explaining an embodiment in which a plurality of compound payment means corresponding to a specific situation is recommended.
6 is a conceptual diagram for explaining an embodiment in which the payment method of the complex payment means is selected.
7 is a conceptual diagram for explaining an embodiment in which whether to use the complex payment means is selected.
8 is a conceptual diagram for explaining an embodiment in which a deletion notification message of the complex payment means is output.
9 is a conceptual diagram for explaining an embodiment in which a message asking whether to delete the compound payment means is output.
10 is a conceptual diagram for explaining an embodiment in which the complex payment means is directly deleted by user input.
11 and 12 are conceptual diagrams for explaining an embodiment in which a compound payment means is directly created by user input.

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 includes a communication unit 110, an input unit 120, a sensing unit 140, a display unit 150, an interface unit 160, a memory 170, a control unit 180, and a power supply unit 190 . ≪ / RTI > 1 are not essential to the implementation of the smart card 100 and the smart card 100 described herein may have more or fewer components than the listed components .

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 sensing unit 140 may include one or more sensors for sensing at least one of information in the smart card 100, surrounding environment information surrounding the smart card 100, and user information. For example, the sensing unit 140 may include a finger scan sensor, a battery gauge, and the like. Meanwhile, the smart card 100 disclosed in the present specification can combine and use information sensed by at least two of the sensors.

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 external power and internal power through the interface unit 160 or wireless charging under the control of the control unit 180 to supply power to each component included in the smart card 100 . 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, a smart glass, etc.) capable of interchanging data with the smart card 100 according to the present invention smart 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 payment amount and information on the credit card used for payment can be confirmed 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 means (or a mechanical key such as a button located on the front, 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.

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. In addition, it may further include at least one key 121, 122, 123 for receiving a user's 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 of the card may be substantially the same as 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 settlement may be performed using the smart card 100 according to the present invention.

That is, in the case of a Tap scheme 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. [

In addition, when a credit card is inserted into the 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, It is possible to insert it into the inlet of the apparatus. 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.

On the other hand, the controller 180 determines whether the sequential payment by the plurality of payment means is repeated a predetermined number of times or more in the specific situation or the specific situation, based on the time information calculated by the RTC (Real Time Clock) Can be calculated.

FIG. 1D is a block diagram for explaining the operation of a real time clock (RTC) module provided in a smart card according to an embodiment of the present invention.

Referring to FIG. 1D, the smart card 100 according to the present invention may include a real time clock (RTC) module for checking the passage of time.

As an embodiment, when a user selects a payment card (payment means) for MS settlement, the RTC module can transmit time information to an MCU (Micro Controller Unit) and an IC chip.

Specifically, when the user selects a credit card for settlement, the MCU can deliver the settlement request to the MS applet in the IC chip. Thus, Real Time can be delivered to the OTP applet through the RTC processing module in the MS applet.

Then, based on the OTP Key value of the OTP applet, a one-time token can be generated in the MS applet. The generated token can be mapped to the MS Track in the magnetic emulator via the MCU.

That is, according to the present invention, settlement can be made with a disposable token number. With respect to the disposable token structure, when a user registers a credit card, the payment token (1, 2, 3) of the card is received from the card company. The value of the payment token (1, 2, 3) is combined with the Track information for settlement by receiving the OTP information.

Also, after the settlement is completed as described above, the system can be automatically switched to the OFF state. As an embodiment, when the user does not have an action (input) for 30 seconds after the settlement, the MCU can switch the power of the smart card 100 to the OFF state. To this end, the counted time information is received from the RTC module.

That is, according to the embodiment of FIG. 1D, the MS settlement and automatic shutdown after payment can be implemented by the operation of the RTC module. Specifically, the RTC module can calculate the number of times the settlement is repeated in the same time zone as the time zone in which settlement is performed.

FIG. 2 is a flowchart illustrating a method of controlling a smart card according to the present invention.

Referring to FIG. 2, it is assumed that based on the payment history by the smart card, sequential payment by a plurality of payment means is repeated more than a preset number of times in a specific situation, (Step S210) is performed in which a complex payment method is performed.

Subsequently, the step S220 of setting the smart card in a state in which payment by the compound payment means is possible based on the detection of the specific situation is performed again.

In an embodiment, the specific situation may be defined by at least one of a settlement place, a settlement time, and a settlement amount.

According to still another embodiment, the step S210 may include a step of calculating, based on the settlement history, that a sequential settlement by a plurality of settlement means is repeated a predetermined number of times or more at a specific time in a specific time zone, The method comprising the steps of: generating, by the compound payment means, payment for payment by the compound payment means based on the fact that the user is located at the specific place at the specific time slot; And setting the smart card 100 in a state where the smart card 100 can be activated.

In yet another embodiment, the step S220 may include outputting time information corresponding to the compound payment means to the display unit 150 when the specific situation is detected again.

According to still another embodiment, the step S220 may include outputting the payment details by the complex payment means to the display unit 150 based on completion of payment by the complex payment means.

In yet another embodiment, the step S210 may include: generating a plurality of compound payment means corresponding to the specific situation on the basis of the payment details; And outputting the corresponding plurality of pieces of time information to the display unit 150. [

In yet another embodiment, the step S220 may include the step of, based on the input of the user input for selecting one of the plurality of compound payment means, And setting the card 100.

In yet another embodiment, the step S210 may include a step of, based on the time information calculated by the RTC (Real Time Clock) module, the sequential payment by the plurality of payment means in the specific situation or the specific situation And calculating a repetition.

Hereinafter, the smart card 100 according to the present invention will be described in terms of components.

The memory 170 includes: Payment details by the smart card 100 can be stored.

Then, based on the settlement history, the control unit 180 determines that the sequential settlement by the plurality of settlement units is repeated more than a predetermined number of times in a specific situation, The smart card 100 can be set up in a state in which it is possible to make settlement by the complex payment means based on the occurrence of the specific situation again.

In the embodiment, the specific situation may be defined by at least one of a settlement place, a settlement time, and a settlement amount.

In another embodiment, the control unit 180 may be configured to calculate, based on the settlement history, that the sequential settlement by the plurality of settlement units is repeated a predetermined number of times or more at a specific time in a specific time zone, The smart payment method comprising: generating a complex payment means for enabling sequential settlement by the settlement means of the smart card at a time, The card 100 can be set.

In another embodiment, the control unit 180 may output the time information corresponding to the compound payment means to the display unit 150 when the specific situation is detected again.

In another embodiment, the control unit 180 may output the payment details of the complex payment means to the display unit 150 based on completion of the payment by the complex payment means.

In another embodiment, the control unit 180 generates a plurality of compound payment means corresponding to the specific situation based on the payment details, and based on the detection of the specific situation again, It is possible to output a plurality of pieces of time information corresponding to each of the means to the display unit 150. [

In yet another embodiment, the control unit 180 may be configured to determine, based on whether a user input for selecting one of the plurality of compound payment means is applied to the input unit 120, The smart card 100 can be set up with the following functions.

In yet another embodiment, the control unit 180 may be configured to cause the complex payment means to receive a user input for selecting a payment method by the compound payment means, based on the user's input to the input unit 120, It is possible to set the smart card 100 in a state in which settlement by the smart card 100 is possible.

In another embodiment, the control unit 180 outputs a message to the display unit 150 asking whether to use the complex payment means, based on whether the specific situation is detected again, It is possible to determine whether to set up the smart card 100 in a state in which payment by the compound payment means is possible based on whether a user input for selecting the smart card 100 is applied to the input unit 120. [

In yet another embodiment, the control unit 180 deletes the compound payment means on the basis of the fact that the payment to the compound payment means is not made more than a predetermined number of times in the specific situation, (150).

According to another embodiment, the control unit 180 may further include a message asking whether or not the compound payment means should be deleted based on the fact that the payment to the compound payment means is not made more than a predetermined number of times in the specific situation, It is possible to determine whether or not the compound payment means is deleted based on whether a user input for selecting whether to delete the compound payment means is applied to the input unit 120. [

In another embodiment, the control unit 180 can delete the complex payment means based on the fact that the user input to delete the complex payment means is applied to the input unit 120. [

In another embodiment, the control unit 180 may be configured to enable sequential payment by the selected plurality of payment means at one time based on the fact that a user input for selecting a plurality of payment means is applied to the input unit 120 And the smart card 100 can be set in a state in which payment by the complex payment means is possible.

According to another embodiment, the control unit 180 determines whether or not the sequential payment by the plurality of payment means is set in advance in the specific situation or the specific situation, based on the time information calculated by the RTC (Real Time Clock) module It is possible to calculate the number of repetitions over the number of times.

Hereinafter, the smart card 100 according to the present invention will be described in detail.

The payment history may include the place where the payment was made, the date, the time, the amount, the content of the purchased goods or services, the payment method used for payment, and the like. And, a specific situation can be defined by such payment history. Specific embodiments related to this will be described later.

The payment means means means for enabling a transaction of goods or services, and may include various forms. For example, the payment means may also include various types of virtual money such as credit cards, check cards, bit coins, cyber money, and the like.

In addition, it may include an accumulation point card in which affiliation points are accumulated through a predetermined affiliate service. At this time, the accumulation card may be merely a card that accumulates points only, or a card whose accumulation point is deducted by the amount used for settlement.

On the other hand, such payment means may be pre-registered (stored) on the smart card or registered (set) by the user. For example, the user may register the first credit card and the first earning card by the mobile terminal. Accordingly, in order to make a payment with the first credit card and to accumulate points on the first accumulation card when purchasing goods or services, the first credit card and the first accumulation card must be scanned respectively.

The complex payment means may be defined as a payment means for allowing a plurality of payment means to make a payment several times at a time. That is, even if the bar code of the first complex payment means corresponding to the first credit card and the first accumulation card is scanned only once, the payment can be made with the first credit card and the points can be accumulated on the first accumulation card.

As a specific example, if payment is made several times (three or more times) in which payment is made with the first credit card at the coffee shop in the morning and points are accumulated in the first earning card, the first credit card and the first earning card The first compound payment means corresponding to the first compound payment means can be generated. As a result, even if the bar code of the first complex payment means is scanned only once, the first credit card can be settled and the points can be accumulated on the first accumulation card.

As a succeeding embodiment, if a specific situation in which a 'smart card (user) is located in the coffee shop during the morning hours' is detected, the smart card may be set (set) in a state in which settlement by the first complex payment means is possible .

As a result, payment can be made by the first complex payment means even if the user scans the bar code of the smart card only once in the morning at the coffee shop. That is, without a separate setting process, a point can be settled on the first credit card and accumulated on the first credit card.

Meanwhile, the settlement history of the smart card 100 may be stored in the memory 170. [ Then, based on the settlement history, the control unit 180 determines that the sequential settlement by the plurality of settlement units is repeated more than a predetermined number of times in a specific situation, The smart card 100 can be set up in a state in which it is possible to make settlement by the complex payment means based on the occurrence of the specific situation again.

In an embodiment, the specific situation may be defined by at least one of a settlement place, a settlement time, and a settlement amount.

Specifically, based on the payment history, the control unit 180 determines that a plurality of payment means is repeated at a specific time at a predetermined number of times or more by sequential payment by the plurality of payment means, And the smart card 100 is set in a state where payment by the complex payment means is possible based on the fact that the smart card 100 is located at the specific place at the specific time, Can be set.

3 is a conceptual diagram for explaining an embodiment in which sequential settlement by a plurality of settlement means is performed in a specific situation.

Referring to FIG. 3, a user can proceed to settle a payment by a first credit card at a specific place at a specific time zone. As an example, a user may make a payment with a first credit card at a coffee shop between 8 am and 9 am.

To this end, the first credit card of the plurality of payment means registered in the smart card 100 may be selected. As an example, an input for selecting the first credit card may be applied to the touchable display unit 150 or the input units 121, 122, 123.

Thereafter, payment can be made using the smart card 100 in a manner similar to the method of payment through a normal credit card.

For example, the controller 180 of the smart card 100 according to an exemplary embodiment of the present invention may be configured to perform a Tap (Tap) -based settlement in which payment is made by contacting a specific point of a POS (Point Of Sale) When contact is made with the POS terminal, the payment request can be received from the POS terminal. In response to the received payment request, payment can be made by transmitting information on the first credit card set by the user to the POS terminal by using the NFC or the Bluetooth module provided in the communication unit 110 .

As another example, a chip and a magnetic tape 195 implemented in the same position as a usual credit card can be used, such as when a credit card is inserted into a specific terminal and a payment is performed. Thus, by allowing the first terminal to recognize the first credit card, it can be used in the same manner as a conventional credit card.

As another example, when the magnetic tape 195 includes identification information on the first credit card, it can be used in a POS terminal reading the magnetic tape 195 of the credit card as well as a normal credit card.

At this time, the information 310 such as the name (first credit card) of the selected payment means, the payment amount, the valid period, the settlement bank, etc. may be output to the display unit 150 with information related to the first credit card.

After the settlement by the first credit card is completed in this way, the affiliation point can be accumulated in the first accumulation card. To this end, the first earning card among a plurality of payment means registered in the smart card 100 may be selected. As an example, an input for selecting the first accumulation card may be applied to the touchable display unit 150 or the input units 121, 122, 123.

Thereafter, the accumulation can be made using the smart card 100 in a manner similar to a method of accumulating points through a conventional point accumulation card.

As described above, points can be accumulated by a method of making contact with a specific point of the POS terminal, a method of reading the magnetic tape 195 with the POS terminal, a method of recognizing the chip, and the like.

As another example, the points may be accumulated by scanning the QR code of the first accumulation card or the information of the bar code or the like 320 output to the display unit 150.

In addition, information 320 such as the name (first earning card) of the selected earning means, the earned amount, the information on the first earning card, the validity period of the point, available points, earning points, Can be output.

On the other hand, the sequential payment (payment history) described in FIG. 3 may repeatedly occur more than a predetermined number of times.

As an embodiment, when the user makes a settlement with a first credit card at a coffee shop (specific place) between 8:00 am and 9:00 am (a specific time zone), and the payment details for accumulating points on the first accumulation card are repeated three or more times .

As another embodiment, a user may pay an amount of 30,000 won or less (a specific amount of money) at a coffee shop (specific place) between 8:00 am and 9:00 am (specific time zone) with the first credit card, The payment history for accumulating points may be repeated three or more times.

In another embodiment, the user makes a payment with the first credit card at a coffee shop (a specific place) between 8:00 am and 9:00 am (a specific time zone), and the payment history of accumulating points on the first earning card is within a week Within a certain period of time).

In this way, based on the fact that sequential settlement by a plurality of settlement means is repeated a predetermined number of times or more in a specific situation, the control unit 180 determines whether or not the settlement of accounts Means can be created.

That is, a first complex payment means corresponding to the first credit card and the first accumulation card may be generated. Further, the first complex payment means may be referred to as a complex payment means corresponding to the specific situation.

On the other hand, as described above, the controller 180 can set the smart card 100 in a state in which payment by the compound payment means is possible based on the detection of the specific situation again.

The control unit 180 may output the time information corresponding to the complex payment means to the display unit 150 when the specific situation is detected again.

Further, the control unit 180 may output the payment details of the complex payment means to the display unit 150 based on completion of the payment by the complex payment means.

First, an embodiment for detecting a specific situation in the smart card 100 according to the present invention will be described.

As an embodiment, a Real Time Clock (RTC) module capable of checking the elapsed time in the smart card 100 may be included to detect the specific situation again.

Accordingly, the RTC module can detect whether payment by the first credit card and accumulation by the first accumulation card are performed in a specific time zone (morning time zone).

As another embodiment, the RTC module can detect whether payment by the first credit card and accumulation by the first accumulation card in a specific situation occurs more than three times within a specific period (within one week).

In another embodiment, the short range communication module 114 in the smart card 100 may receive beacon information in a store (coffee shop) to re-detect the specific situation. In this case, the short-range communication module 114 may be a Bluetooth ™, a Radio Frequency Identification (RFID), a Near Field Communication (NFC), a Wireless-Fidelity (Wi-Fi) Fi Direct can be used.

In another embodiment, the location information module 115 in the smart card 100 may obtain the location (or current location) of the smart card 100 to re-detect the particular situation. Representative examples include Global Positioning System (GPS) modules or Wi-Fi (Wireless Fidelity) modules.

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 .

As described above, when the specific situation is detected again, the smart card 100 can be set in such a state that payment can be made by the complex payment means generated in response to the specific situation.

4 is a conceptual diagram for explaining an embodiment in which a complex payment means corresponding to a specific situation is recommended.

Referring to FIG. 4, when the user is located in the coffee shop between 8:00 am and 9:00 am, the time information 410 corresponding to the first complex payment means is displayed on the display 150 . Specifically, the name of the first complex payment means and the bar code 410 may be output to the display unit 150. [

Subsequently, when the bar code 410 of the first complex payment means is scanned, settlement by the first complex payment means can be performed. That is, the payment by the first credit card and the accumulation of the points by the first accumulation card can be performed at once by scanning the bar code 410 of the first complex payment means.

As described above, payment can be made in the same manner as a conventional credit card, such as payment through a POS terminal, payment through an IC chip, NFC, or the like, as one embodiment.

In addition, a payment completion message 420 may be output to the display unit 150. [ For example, a payment card, a credit card, a date, a payment amount, a credit point, etc. 420 may be output to the display unit 150.

On the other hand, the control unit 180 generates a plurality of compound payment means corresponding to the specific situation on the basis of the payment details, and generates a plurality of compound payment means corresponding to each of the plurality of compound payment means It is possible to output a plurality of pieces of time information to the display unit 150. [

In addition, the control unit 180 may control the smart card (or the smart card) so that the payment can be made by the selected complex payment means, based on whether a user input for selecting one of the plurality of compound payment means is applied to the input unit 120 100) can be set.

5 is a conceptual diagram for explaining an embodiment in which a plurality of compound payment means corresponding to a specific situation is recommended.

Referring to FIG. 5, when a situation (specific situation) to be purchased in a shopping mall in the morning time is repeated five or more times (more than a preset number of times), a plurality of complex payment means corresponding to the specific situation can be created.

As an embodiment, it is possible to create and recommend a compound payment means in the order frequently used in a mart in the morning time zone.

Specifically, a plurality of compound payment means corresponding to the specific situation, a first compound payment means corresponding to the A settlement card most frequently used in the mart, a B payment card frequently used next, and a auction A third compound payment means corresponding to the second compound payment means corresponding to the card, the B payment card used the least frequently and the b earning card can be generated.

Accordingly, if it is detected that the mart is re-visited in the morning time zone, the most frequently used first complex payment means can be preferentially recommended. At this time, information on the A payment card and the a-accumulation card 510 included in the first complex payment means may be output to the display unit 150. [

For example, the name, expiration date, payment bank, and the like can be output as the information about the payment card A, and information such as the name, the period in which the point can be used, the accumulated points, May be output to the display unit 150. [

In addition, it is possible to directly input a touch input to the payment icon 500, or to make a payment to the first complex payment means by applying a push input to the input units 121 and 122, 123. Accordingly, payment to the A payment card and accumulation of points to the a accumulation card can be performed at once.

As another example, if an input that depresses the power button 122 is applied, then the next most frequently used second complex payment means may be recommended. At this time, the information about the B payment card and the a-accumulation card 520 included in the second complex payment means may be output to the display unit 150. [

For example, information such as a name, an expiration date, a settlement bank, and the like can be output as information on the B payment card, and information such as a name, a period in which a point can be used, May be output to the display unit 150. [

Likewise, it is possible to apply a touch input to the settlement icon 500 or a push input to the input units 121 and 122, 123 to select a payment to the second complex payment means. Accordingly, payment to the B payment card and accumulation of points to the a accumulation card can be performed at once.

As another embodiment, if an input to depress the power button 122 is applied, the third most complex payment method used may be recommended. At this time, information on the B payment card and the b accumulation card 530 included in the third complex payment means may be output to the display unit 150. [

For example, information such as a name, an expiration date, a settlement bank, and the like can be output as information on the B payment card. The information on the b-earning card includes a name, a period in which a point can be used, May be output to the display unit 150. [

Likewise, it is possible to apply a touch input to the settlement icon 500 or a push input to the input units 121 and 122, 123 to select payment to the third complex payment means. Accordingly, payment to the B payment card and accumulation of points to the b accumulation card can be performed at once.

As another example, once an input pushing the power button 122 is applied, the first complex payment method that has been recommended as a priority may be recommended again.

As another embodiment, if the compound payment means to be paid within three minutes is not selected, the power of the smart card 100 can be automatically turned off. Thereafter, when the power is turned on again, the first complex payment means having a priority order can be recommended.

That is, according to the embodiment of FIG. 5, the complex payment means can be sequentially output according to the frequency of use.

As another embodiment related to this, a complex payment means having a large discount or a great benefit may be preferentially recommended. Specifically, a compound payment instrument including a C payment card and a c-earning card, which have the greatest discount benefits at the time of payment at a shopping mall, may be preferentially recommended.

As another embodiment, a complex payment means including a card that can be accumulated together with a payment card may be recommended when payment is made only in the previous purchase and not accumulated.

On the other hand, on the basis of the input of the user input for selecting the payment method by the compound payment means, the control unit 180 determines whether payment can be made by the compound payment means in accordance with the selected payment method The smart card 100 can be set up with the following functions.

6 is a conceptual diagram for explaining an embodiment in which the payment method of the complex payment means is selected.

Referring to FIG. 6, as described above, when returning to the mart at the morning time, the information 610 about the first complex payment means including the payment card A and the a credit card is output to the display unit 150 .

For example, the name, expiration date, payment bank, and the like can be output as the information about the payment card A, and information such as the name, the period in which the point can be used, the accumulated points, May be output to the display unit 150. [

Thereafter, it is possible to directly input a touch input to the settlement approval icon 620, or to input a push input to the input units 121 and 122. 123, and to select payment to the first complex payment means.

As an embodiment, when the power button 122 is pressed, a menu 630 for selecting a payment method to the first complex payment means can be outputted. Specifically, one of the payment methods using the magnet 195 or the bar code can be selected.

As an embodiment, payment can be made using the magnet 195 when the touch input is directly applied to the complex payment icon 640 or the power button 122 is pressed.

Specifically, a name of the first complex payment means and a guidance message 660 indicating that settlement using the POS terminal can be performed may be output. Accordingly, even if the smart card 100 is scratched by the POS terminal only once, payment can be made with the payment card A through the reading of the magnetic tape 195, and points can be accumulated on the a credit card.

Alternatively, even if the smart card 100 is inserted only once into the POS terminal, payment can be made with the payment card A through contact between the chip and the magnetic tape 195, and points can be accumulated on the a credit card.

As another embodiment, it is possible to directly input a touch input to the barcode complex payment icon 650 or to select a payment using a barcode by operating the input units 121 and 122, 123.

Specifically, the name of the first complex payment means and the bar code or the like 670 may be output. Accordingly, even if the bar code of the first complex payment means is shot only once, the payment can be made with the payment card A and points can be accumulated on the a-accumulation card.

In addition, you can choose one of the various payment methods described above. Specifically, it is possible to select one of a variety of methods such as payment by NFC or Bluetooth, payment using an IC chip, and settlement using MST (Magnetic Secure Transmission) technology.

On the other hand, the control unit 180 outputs to the display unit 150 a message asking whether to use the compound payment means based on the detection of the specific situation, and inputs a user input for selecting whether to use the compound payment means It is possible to determine whether to set the smart card 100 in a state in which payment by the complex payment means is possible based on whether the smart card 100 is applied to the input unit 120. [

7 is a conceptual diagram for explaining an embodiment in which whether to use the complex payment means is selected.

Referring to FIG. 7, when information is returned to the mart at the morning time, information 700 about the first complex payment means including the payment card A and the a credit card is displayed on the display unit 150, As shown in FIG.

For example, the name, expiration date, payment bank, and the like can be output as the information about the payment card A, and information such as the name, the period in which the point can be used, the accumulated points, May be output to the display unit 150. [

Thereafter, a touch input may be directly applied to the payment approval icon 710, or a push input may be applied to the input units 121 and 122. 123 to select payment to the first complex payment means.

As another embodiment, it is also possible not to select the payment to the first complex payment means by directly touching the payment cancel icon 720.

As another example, the payment approval icon 710 may be initially selected. A blinking effect may be displayed on the payment approval icon 710 or a border of the payment approval icon 710 may be displayed in bold. Alternatively, the payment approval icon 710 may be output in a different color from the payment cancellation icon 720.

Subsequently, when the push input is applied to the right input unit 123, the payment cancellation icon 720 can be selected. Similarly, to indicate this, a blinking effect may be displayed on the payment cancel icon 720, or the border of the payment cancel icon 720 may be displayed in bold. Alternatively, the payment cancellation icon 720 may be output in a different color from the payment approval icon 710. [

If a push input is applied to the power input unit 122, the payment by the complex payment means can be canceled.

Accordingly, the menu 730 for selecting one of the direct payment method and the complex payment method may be output. Thereafter, a direct payment method can be selected by directly applying a touch input to the direct payment icon 740 or by applying a push input to the input units 121 and 122, 123.

At this time, the direct settlement method means a method of proceeding to a sequential settlement with a plurality of settlement means. For example, as described in FIG. 3, the first credit card may be read to the POS terminal, and the bar code of the first earning card may be taken. That is, the user can pay the first credit card and accumulate the points on the first accumulation card by two payment processes.

As another embodiment, when there is no compound payment means corresponding to a specific situation, a menu 730 for selecting one of the direct payment method or the complex payment method may be output.

Specifically, a specific situation can be entered and directly set. For example, if a specific situation is set as being located at the mart in the morning but there is no payment made by the mart (initial payment), a menu 730 is displayed which allows the user to select either the direct payment or the multiple payment method .

On the other hand, the control unit 180 deletes the compound payment means and outputs a deletion notification message to the display unit 150 based on the fact that the payment to the compound payment means is not performed more than a predetermined number of times in the specific situation .

8 is a conceptual diagram for explaining an embodiment in which a deletion notification message of the complex payment means is output.

Referring to FIG. 8, when the payment from the mart to the first compound payment means is not performed three times in succession in the morning time zone, the deletion notification message 810 of the first compound payment means And may be output to the display unit 150.

Then, when a push input is applied to the power (OK) button 122, a menu 820 that can select one of the direct settlement or the complex settlement method, as described with reference to FIG. 7, may be output. As a result, the settlement can be proceeded to the settlement means other than the first complex settlement means.

On the other hand, the control unit 180 outputs to the display unit 150 a message asking whether or not to delete the compound payment means, based on the fact that the payment to the compound payment means has not been made more than the predetermined number of times in the specific situation The user can determine whether to delete the compound payment means based on whether a user input for selecting whether or not to delete the compound payment means is applied to the input unit 120. [

9 is a conceptual diagram for explaining an embodiment in which a message asking whether to delete the compound payment means is output.

Referring to FIG. 9, when the payment from the mart to the first complex payment means is not performed three times in succession in the morning time zone, a message 910 May be output to the display unit 150. [

Accordingly, the first compound payment means can be deleted by applying a touch input directly to the delete icon 920. [

As another example, the delete icon 920 may be initially selected. To indicate this, a blinking effect may be displayed on the delete icon 920 or the border of the delete icon 920 may be displayed in bold. Alternatively, the delete icon 920 may be output in a different color from the keep icon 930. Then, when a push input is applied to the power input unit 122, the first complex payment means can be deleted.

Then, a menu 940 for selecting one of the direct payment method or the complex payment method may be output. That is, the settlement can be proceeded to the settlement means other than the first complex settlement means.

As another embodiment, it is possible not to delete the first complex payment means by directly applying touch input to the maintenance icon 930. [

As another embodiment, when a push input is applied to the right input 123 while the delete icon 920 is selected, the hold icon 930 can be selected. Likewise, to indicate this, a blinking effect may be output on the keep icon 930 or the border of the keep icon 930 may be displayed in bold. Alternatively, the maintenance icon 930 may be output in a different color from the delete icon 920. [ When the push input is applied to the power input unit 122, the first complex payment means may not be deleted.

On the other hand, the control unit 180 can delete the complex payment means based on the user input to delete the complex payment means being applied to the input unit 120. [

That is, according to the foregoing embodiment, deletion or deletion can be recommended to the user when the compound payment means is not used. Alternatively, the user may directly select and delete the complex payment means, regardless of whether the complex payment means is unused or not.

10 is a conceptual diagram for explaining an embodiment in which the complex payment means is directly deleted by user input.

Referring to FIG. 10, a list 1010 of a plurality of complex payment methods corresponding to a specific situation can be output. As an embodiment, a first compound payment means including an A card and a card, a second compound payment means including an A card and a b card, and a third compound payment means including a B card and a b card may be output . Subsequently, the compound payment means can be deleted by applying a push input to the input units 121, 122, and 123.

As an embodiment, when a push input is applied to the right input unit 123 in a state in which the list 1020 of the first compound payment means is selected, the second compound payment means, which is the next list of the first compound payment means list 1020, A list 1030 can be selected.

Similarly, when a push input is applied to the right input unit 123 while the list 1030 of the second compound payment means is selected, the list of the third compound payment means, which is the next list of the second compound payment means list 1030 1040) may be selected.

In this state, if the push input is applied to the left input unit 121, the list 1030 of the second complex payment means, which is the previous list of the third complex payment means list 1040, can be selected again. Similarly, in this state, when the push input is applied to the left input unit 121, the list 1020 of the first complex payment means, which is a previous list of the second compound payment means list 1030, can be selected again.

Thus, the left input unit 121 and the right input unit 123 can select one of a plurality of compound payment means lists. The list of the selected complex payment means may be displayed in a different color, or a blinking effect, a shading effect, a frame emphasis effect, and the like may be output.

As another embodiment, it is also possible to directly select one of a plurality of compound payment means lists 1010 by inputting a touch.

As another embodiment, if the push input is applied to the power input unit 122 while the list 1030 of the second compound payment means is selected, the second compound payment means can be deleted.

At this time, a message 1050 indicating that the second complex payment means is being deleted may be temporarily output. As a result, only the list 1020 of the first compound payment means and the list 1040 of the third compound payment means can be output to the plurality of compound payment means lists 1010. [

As another embodiment, the second complex payment means can be deleted according to the push input method applied to the power supply input unit 122 in the state that the list 1030 of the second complex payment means is selected.

Specifically, if the push input is applied for a long time, or if the push input is applied twice in succession, the second complex payment means may be deleted. By inputting control commands in various input methods as described above, it is possible to overcome the difficulties (lack of the input unit, limitation of the output screen size, etc.) caused by limitation of the physical size of the smart card 100.

On the other hand, the control unit 180 may include a complex payment means for enabling sequential payment by the selected plurality of payment means at one time based on that a user input for selecting a plurality of payment means is applied to the input unit 120 And the smart card 100 can be set in a state in which settlement by the complex payment means is possible.

That is, the complex payment means may be automatically created when payment by a plurality of payment means is repeated in a specific situation, or a user may manually select a plurality of payment means to manually create the complex payment means.

11 and 12 are conceptual diagrams for explaining an embodiment in which a compound payment means is directly created by user input.

11, when the power or the push input is applied to the power input part 122 of the smart card 100 in which the display part 150 is in the OFF state, the power or the display part 150 is turned on .

At this time, a menu screen 1110 for selecting a settlement method may be displayed on the display unit 150. [ As an example, a direct payment icon 1120 may be initially selected. Accordingly, the direct payment icon 1120 may be displayed in a different color from the complex payment icon 1130, or a blinking effect, a shading effect, a frame emphasis effect, and the like may be displayed on the direct payment icon 1120.

Thereafter, when the push input is applied to the right input unit 123, the complex payment icon 1130 can be selected. Similarly, the complex payment icon 1130 may be displayed in a different color from the direct payment icon 1120, or a blinking effect, a shading effect, a frame emphasis effect, or the like may be displayed on the complex payment icon 1130.

Next, when a push input is applied to the power input unit 122, a menu 1140 for selecting a plurality of payment means included in the compound payment means can be output.

As an embodiment, a menu 1140 for selecting a membership card (point card) may be output first.

Specifically, the first point card list 1150, which has been used most frequently by the user, may be preferentially output. Thereafter, when the push input is applied to the right input section 123, the next frequently used second point card list 1160 can be output. That is, a push input may be applied to the left input unit 121 or the right input unit 123 to output the list of point cards.

Then, when the push input is applied to the power input unit 122 in a state in which the second point card list 1160 is outputted, the second point card can be selected as the earning card of the complex payment means.

As a succeeding embodiment, referring to FIG. 12, a menu 1210 for selecting a payment card may be output after the second point card is selected as the accumulation card of the complex payment means.

As described in FIG. 11, the first credit card list 1220, which has been used most frequently by the user, may be output first. In addition, as in the case of selecting a point card, a push input may be applied to the left input unit 121 or the right input unit 123 to output payment card lists.

In this case, if the push input is applied to the power input unit 122 in a state that the first credit card list 1220 is outputted, the first credit card can be selected as the payment card of the complex payment means.

As a result, a message 1230 asking whether to proceed with the selected complex payment card (complex payment means) may be output. In this message 1230, it is possible to accumulate the second point card and display that the payment is proceeded to the first credit card.

Then, when the push input is applied to the power input unit 122, a menu 1240 for selecting a payment method of the complex payment can be outputted. As described above (see FIG. 6), the magnetic complex payment icon 1250 and the barcode complex payment icon 1260 may be output.

In an embodiment, when a push input is applied to the power input unit 122 in a state that the magnetic complex payment icon 1250 is selected, a complex payment using the magnetic tape 195 can be performed. At this time, a guide message 1270 indicating that settlement using the POS terminal is possible may be output.

Specifically, payment can be made by a method of reading the magnetic tape 195 with the POS terminal. That is, even if the smart card 100 is scratched only once to the POS terminal, payment can be made with the first credit card and points can be accumulated on the second point card.

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, there is an advantage that payment and accumulation that require a plurality of settlement operations can be executed by one settlement operation.

In addition, according to at least one embodiment of the present invention, the complex payment means is automatically generated based on the context-awareness, thereby eliminating the need to manually set the user.

Further, there is an advantage that a more personalized complex payment means can be provided on the basis of the situation based on the payment history of the user.

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 (20)

A memory for storing payment details by the smart card; And
A complex payment means for enabling sequential payment by the plurality of payment means at one time based on the fact that sequential settlement by a plurality of payment means is repeated a predetermined number of times or more in a specific situation based on the payment history, Generate,
And a controller for setting the smart card in a state in which payment by the complex payment means is possible based on the specific situation being detected again. The method according to claim 1,
The above-
A settlement time, a settlement time, and a settlement amount. 3. The method of claim 2,
Wherein,
Based on the settlement history, it is calculated that a sequential settlement by a plurality of settlement means is repeated a predetermined number of times or more at a specific place in a specific time zone, Create a payment instrument,
Wherein the smart card is set in a state in which payment by the complex payment means is possible based on the fact that the mobile terminal is located at the specific place in the specific time period. The method according to claim 1,
Wherein,
And outputs the time information corresponding to the complex payment means to the display unit when the specific situation is detected again. The method according to claim 1,
Wherein,
And outputs the payment details of the compound payment means to the display unit based on completion of payment by the compound payment means. The method according to claim 1,
Wherein,
Generates a plurality of compound payment means corresponding to the specific situation based on the payment history and outputs a plurality of pieces of time information corresponding to each of the plurality of compound payment means to the display unit based on the detection of the specific situation again Lt; / RTI > The method according to claim 6,
Wherein,
Wherein the smart card is set in a state in which payment by the selected complex payment means is possible based on that a user input for selecting one of the plurality of compound payment means is applied to the input unit. The method according to claim 1,
Wherein,
Characterized in that the smart card is set in a state in which payment by the complex payment means is possible according to the selected payment method based on that a user input for selecting the payment method by the compound payment means is applied to the input unit Card. The method according to claim 1,
Wherein,
Based on the fact that the specific situation is detected again, a message asking whether to use the compound payment means is displayed on the display unit, and on the basis that a user input for selecting whether or not to use the compound payment means is applied to the input unit, And determines whether to set the smart card in a state in which settlement by the means is possible. 10. The method of claim 9,
Wherein,
Wherein the smart card deletes the complex payment means and outputs a deletion notification message to the display unit based on the fact that the payment to the complex payment means is not performed more than a predetermined number of times in the specific situation. 10. The method of claim 9,
Wherein,
A message asking whether to delete the compound payment means is output to the display unit based on the fact that the payment to the compound payment means is not performed more than a predetermined number of times in the specific situation and whether to delete the compound payment means And determines whether to delete the compound payment means based on whether a user input is made to the input unit. The method according to claim 1,
Wherein,
And deletes the compound payment means on the basis of user input to delete the compound payment means being applied to the input unit. The method according to claim 1,
Wherein,
A compound payment means for enabling sequential payment by the selected plurality of payment means at a time is created based on that a user input for selecting a plurality of payment means is applied to the input unit, Lt; RTI ID = 0.0 > 1, < / RTI > The method according to claim 1,
Wherein,
Wherein said calculating means calculates that the sequential settlement by a plurality of settlement means is repeated more than a preset number of times in said specific situation or said specific situation based on time information calculated by an RTC (Real Time Clock) module. (a) sequential settlement by the plurality of settlement means is performed at a time based on the calculation that the sequential settlement by the plurality of settlement means is repeated a predetermined number of times or more in a specific situation based on the settlement history by the smart card Generating a complex payment means for making the payment; And
(b) setting the smart card in a state in which payment by the complex payment means is possible based on that the specific situation is detected again. 16. The method of claim 15,
The above-
At least one of a place of settlement, a settlement time and a settlement amount,
The step (a)
Based on the settlement history, it is calculated that a sequential settlement by a plurality of settlement means is repeated a predetermined number of times or more at a specific place in a specific time zone, And generating a payment means,
The step (b)
And setting the smart card in a state in which payment by the complex payment means is possible based on the fact that the mobile terminal is located at the specific place in the specific time zone. 16. The method of claim 15,
The step (b)
And outputting time information corresponding to the complex payment means to the display unit when the specific situation is detected again. 16. The method of claim 15,
The step (b)
And outputting payment details of the complex payment means to the display unit based on completion of payment by the complex payment means. 16. The method of claim 15,
The step (a)
Generates a plurality of compound payment means corresponding to the specific situation based on the payment history and outputs a plurality of pieces of time information corresponding to each of the plurality of compound payment means to the display unit based on the detection of the specific situation again Comprising:
The step (b)
And setting the smart card in a state in which payment by the selected complex payment means is possible based on that a user input for selecting one of the plurality of compound payment means is applied to the input unit Control method of card. 16. The method of claim 15,
The step (a)
And calculating, based on the time information calculated by the RTC (Real Time Clock) module, that the sequential settlement by the plurality of settlement means is repeated more than a predetermined number of times in the specific situation or the specific situation The control method of the smart card.

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