WO2016010320A1 - Multicarte à puce - Google Patents

Multicarte à puce Download PDF

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Publication number
WO2016010320A1
WO2016010320A1 PCT/KR2015/007264 KR2015007264W WO2016010320A1 WO 2016010320 A1 WO2016010320 A1 WO 2016010320A1 KR 2015007264 W KR2015007264 W KR 2015007264W WO 2016010320 A1 WO2016010320 A1 WO 2016010320A1
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WO
WIPO (PCT)
Prior art keywords
card
information
unit
smart multi
user
Prior art date
Application number
PCT/KR2015/007264
Other languages
English (en)
Korean (ko)
Inventor
배재훈
배재호
Original Assignee
브릴리언츠 주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from KR1020140162775A external-priority patent/KR101598371B1/ko
Application filed by 브릴리언츠 주식회사 filed Critical 브릴리언츠 주식회사
Priority to CN201580038058.8A priority Critical patent/CN106537419A/zh
Priority to US15/326,426 priority patent/US10032101B2/en
Priority to EP15821326.4A priority patent/EP3171298A4/fr
Priority to JP2017523747A priority patent/JP2017524219A/ja
Publication of WO2016010320A1 publication Critical patent/WO2016010320A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07709—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being a keyboard
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0719—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for application selection, e.g. an acceleration sensor or a set of radio buttons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G06K19/0725—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs the arrangement being a circuit for emulating a plurality of record carriers, e.g. a single RFID tag capable of representing itself to a reader as a cloud of RFID tags
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • G06K19/07707—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual the visual interface being a display, e.g. LCD or electronic ink

Definitions

  • the present invention relates to a smart multi-card, and more particularly, to a smart multi-card that allows the user to easily carry out payment, accumulation, identity verification by holding a plurality of card information in a single card.
  • the card frame having an installation space of the card configuration therein;
  • a wireless communication unit which transmits and receives data with an external card terminal or a communication device through wireless communication;
  • An information storage unit for storing a plurality of card information;
  • a user input unit which receives a user's operation and selects from among a plurality of embedded card information;
  • a display unit for visually displaying the selected card information;
  • a controller which extracts the card information selected by the user from the information storage unit, processes the card information to be transmitted to the display unit, and processes information transmitted and received through the wireless communication unit.
  • the apparatus may further include a connector unit performing data exchange with the contact card terminal.
  • the wireless communication unit may include a BLE module for receiving the card information received from the communication device or the control command of the smart multi-card to be stored in the information storage unit. You can perform the conversion according to the storage format.
  • the wireless communication unit may include an NFC module for exchanging data through wireless communication with the communication device or performing contactless payment with the card terminal.
  • the method may further include an interface unit for converting the data method to the same when the data method of the information storage unit and the controller is different.
  • a power supply for supplying power to the smart multi-card; And an external terminal connection unit connected to an external power source to perform charging or data exchange by connecting to an external device.
  • the display unit may display a power holding amount of the power supply unit.
  • the power supply it may be characterized in that the wireless charging can be performed.
  • the apparatus may further include a solar cell provided at a rear surface of the card frame to perform charging of a power supply unit.
  • the smart multi card may be changed from a dormant state to an active state according to a manipulation of the user input unit.
  • the information storage unit characterized in that for storing the scanning card settings, the smart multi-card is characterized in that the scanning card information is loaded from the information storage unit when the change from the dormant state to the active state Can be.
  • the user input unit may be performed by at least one of a button input method for changing or selecting a card by a direction button and a selection button, and a touch pad method for changing or selecting a card by receiving a user's touch operation. Can be.
  • the card information displayed on the display unit may include at least one or more of a barcode, a card number, and a QR code.
  • the display unit displays the type of the identification card
  • the control unit performs information processing on the information of the user identification card loaded from the information storage unit by a wireless communication unit or a connector. Can be passed to wealth.
  • the display unit and the user input unit may be implemented as a touch screen.
  • the display unit may be configured of electronic paper.
  • the controller may generate an interface through which information can be input from the user and provide the interface to the display unit, and the information storage unit may store the settings input from the user through the user input unit.
  • the controller recognizes whether a BLE signal is received from the communication device, and stops the operation of the smart multi card when the signal is not received. You can do
  • the wireless communication unit may receive payment history information from the card terminal, the controller may process information to display on the display unit, and the display unit may visually display the payment history.
  • control unit the payment control module for controlling the card payment function; And an operation control module for controlling an operation other than payment of the smart multi card.
  • the apparatus may further include a magnetic stripe driver configured to generate the magnetic stripe based on the card information processed by the controller.
  • the smart multi-card according to an embodiment of the present invention can be provided with both a wireless communication unit, a connector unit, a magnetic stripe, payment method by magnetic stripe (magnetic stripe), contact payment method, contactless payment method and communication device Various payment methods such as a payment method can be provided. Accordingly, the user may apply a method suitable for the user's situation.
  • the smart multi-card by interworking with the communication device, so that the smart multi-card does not proceed to the payment if the smart multi-card is more than a certain distance away from the communication device, it is excellent in preventing personal information security or unauthorized payment when the card is stolen or lost Can provide an effect.
  • the smart multi-card can be issued and stored through a wired connection with another device such as a communication device or wireless communication with a card terminal or communication device, it is possible to easily store multiple card information in a single card.
  • the smart multi card displays the card information through the display unit, so that the user can select which card to pay.
  • the smart multi-card is provided with a user input unit so that the user can easily operate the card, in particular, when the user input unit forms a touch screen in combination with the display unit, it is possible to immediately perform the card operation while checking the display It is convenient to implement a flat card form without having to include a separate keypad or the like.
  • the smart multi-card includes a sleep mode function, thereby reducing the number of charges by reducing unnecessary power consumption. Through this, it is possible to solve the inconvenience that the user has to charge frequently and the inconvenience to care about the power reserve.
  • the smart multi-card can be settled by the card for injection, if the user wants to pay the card through the card setting function for injection. Through this, there is an effect that can save the time spent in selecting the primary card to retrieve the card information.
  • the smart multi-card including a solar cell
  • the solar cell can be provided on one side of the rear portion of the card frame that is not provided with a separate configuration of the smart multi-card, there is no inconvenience in using the card, and it is useful to perform charging only by solar exposure of the rear portion.
  • the smart multi-card can perform a wireless charging can be easily charged.
  • the user can easily perform power charging without directly connecting the card to a power source, and the smart multi-card can be automatically charged and used without a user considering charging. .
  • the smart multi-card can receive payment history or earning history information from the card terminal, the user can immediately check the payment history or earning history without receiving a receipt.
  • the receipt does not have to be provided separately, there is an effect that can reduce the cost used to print the receipt.
  • the smart multi-card can transmit the received payment history information to the communication device, the user can transmit and store the payment history information that needs to be stored to the communication device even if a receipt is not issued, the payment history information Based on this, it is possible to directly use the accumulated data such as creating a household account book. In addition, a user does not have to use a paid payment text service to check payment information and store it in the communication device, thereby reducing costs.
  • 1 is an internal system configuration of a smart multi-card according to an embodiment of the present invention.
  • FIG 2 is an exemplary view of a smart multi-card according to an embodiment of the present invention.
  • FIG. 3 is a diagram illustrating an internal arrangement of each component of a smart multi-card according to an embodiment of the present invention.
  • Figure 4 is a flow chart of a method for performing payment or earning using a smart multi-card in accordance with an embodiment of the present invention.
  • FIG. 5 is an exemplary view illustrating a connection relationship between a smart multi card and a communication device according to an embodiment of the present invention.
  • the card information used in the present specification may include a name of a card, a card image, a card number, a barcode, a QR code, etc., when the card is an earning card, and a card company when the card is a credit card or a check card.
  • communication devices mean all devices capable of wireless communication. That is, the communication device is not only a device having a wireless communication function such as a smart phone, a smart watch, a tablet PC, a notebook PC, a desktop PC, but also a device having no wireless communication function, but inserting a memory card including a wireless communication chip to It also includes devices that can communicate.
  • the smart multi-card 100 used herein includes one or more card information in one card, unlike the existing card that included only one card information in an integrated circuit (IC) chip in one card.
  • the smart multi-card 100 is a card that can be loaded one or more of the stored one or more card information to perform payment or point accumulation.
  • the card terminal used in the present specification is a terminal for payment using a card, a terminal for earning points by receiving a number of a credit card, a terminal for acquiring and confirming identification information of a user from the smart multi-card 100. It includes, and includes a terminal of a card company, a bank or a store that issues a new card to the smart multi-card (100). In addition, a terminal for making a payment using the card may be represented as a payment terminal.
  • FIG. 1 is an internal system configuration of the smart multi-card 100 in accordance with an embodiment of the present invention.
  • 2 is an exemplary view of a smart multi-card 100 in accordance with an embodiment of the present invention.
  • 3 is a diagram illustrating an internal arrangement of each configuration of the smart multi-card 100 according to an embodiment of the present invention.
  • Figure 4 is a flow chart of a method for performing payment or accumulation using the smart multi-card 100 according to an embodiment of the present invention.
  • 5 is an exemplary view showing a connection relationship between the smart multi-card 100 and the communication device 200 according to an embodiment of the present invention.
  • the smart multi card 100 the card frame 110, the controller 120, the information storage unit 130, the user input unit 140, the power supply unit 150, the display unit 160, wireless The communication unit 170, the connector unit 180, and the communication device 200 are illustrated.
  • 1 is an internal system configuration of the smart multi-card 100 in accordance with an embodiment of the present invention.
  • 2 is an exemplary view of a smart multi-card 100 in accordance with an embodiment of the present invention.
  • 3 is a diagram illustrating an internal arrangement of each configuration of the smart multi-card 100 according to an embodiment of the present invention.
  • the smart multi-card 100 according to an embodiment of the present invention comprises a card frame 110; Control unit 120; Information storage unit 130; A user input unit 140; A power supply unit 150; Display unit 160; A wireless communication unit 170; And connector portion 180; includes all or part.
  • the card frame 110 provides a space in which a card configuration can be installed.
  • the card frame 110 may be made of various materials such as synthetic resin and metal.
  • the card frame 110 may be manufactured by integrating the front card frame and the rear card frame, respectively, in close contact with each other, thereby providing an installation space of a predetermined card configuration therein.
  • a through hole may be formed in the front card frame so that the information storage unit 130 installed therein may be exposed to the outside.
  • the card frame 110 is not limited to the front and rear card frame, it can be implemented in various forms, such as the form of inserting the configuration in the integrated card frame.
  • the control unit 120 performs a function of controlling the overall operation of the smart multi-card 100 by controlling the operation of each component of the smart multi-card 100. For example, the controller 120 processes the data received from the user input unit 140 to determine a user's command. In addition, the controller 120 performs information processing so that data can be transmitted to the external card terminal or the communication device 200 through wireless communication or direct contact. For example, when the card information is user identification information, the control unit 120 processes the information of the card information loaded from the information storage unit 130 and transmits the information to the card terminal. Or it may be transferred to the connector unit 180. In addition, the control unit 120 stores the data received from the card terminal or the communication device 200 through wireless communication or direct contact in the information storage unit 130 of the smart multi-card 100 or the display. Displayed in the unit 160. In addition, the control unit 120 receives information from the card terminal or the communication device 200 or extracts data from the information storage unit 130 to process information in a form that can be displayed on the display unit 160. Perform the function.
  • the user input unit 140 receives a user input data for controlling the operation of the smart multi-card 100 and transmits it to the control unit 120.
  • the user input unit 140 may include a keypad, a keyboard, a dome switch, a touch pad (static pressure / capacitance), and the like.
  • the touch pad forms a mutual layer structure with the display unit 160 to be described later, this may be referred to as a touch screen.
  • the user input unit 140 may be implemented as a button input method for changing or selecting a card by using a direction button and a selection button, and a touch pad method for changing or selecting a card by receiving a user's touch manipulation. Can be. In this way, the user input unit 140 receives a user's operation and performs a function of selecting from a plurality of card information.
  • the wireless communication unit 170 performs a function of performing data exchange with an external communication device 200 or a card terminal. For example, the wireless communication unit 170 may transmit data to an external communication device 200 or a card terminal through wireless communication for payment, and from the card terminal or the communication device 200 to issue a card. Card information can be received through wireless communication. In addition, the wireless communication unit 170 performs a function of obtaining information necessary for performing a card payment from the surroundings. For example, the wireless communication unit 170 may receive a radio signal (for example, a beacon signal) transmitted from the store to determine the name of the store visited by the user, discount information of the store, and the like. The wireless communication unit 170 may include a wireless internet module, a short range communication module, and a GPS module.
  • a radio signal for example, a beacon signal
  • the wireless internet module refers to a module for wireless internet access, and the wireless internet module may be embedded or external to the smart multi-card 100.
  • Wireless Internet technologies include Wireless LAN (WLAN) (Wi-Fi), Wibro (Wireless broadband), World Interoperability for Microwave Access (Wimax), High Speed Downlink Packet Access (HSDPA), long term evolution (LTE), LTE-A Long Term Evolution-Advanced and the like can be used.
  • the short range communication module refers to a module for short range communication.
  • Near field communication technologies include Bluetooth, Bluetooth Low Energy (BLE), Beacon, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, NFC (Near Field Communication) or the like can be used.
  • the BLE (Bluetooth Low Energy) refers to a Bluetooth communication method that enables a faster communication by differentiating a conventional Bluetooth configuration from a packet and simplifying a connection procedure.
  • the BLE is an improved protocol for delivering information read from simple sensors more quickly and easily, and thus can be easily applied to articles used in daily life.
  • the BLE (Bluetooth 4.0) is a device that can communicate with devices within approximately 5m ⁇ 70m, and low power with little effect on battery life, thereby minimizing power consumption and always turn on Bluetooth.
  • the BLE module may receive the card information to be stored in the information storage unit 130 or the control command of the smart multi-card 100 from the communication device 200 through the BLE method.
  • Beacons use a Bluetooth 4. 0 (BLE-Bluetooth Low Energy) based protocol to transmit very small frequency signals around them.
  • the beacon is a method of continuously notifying the existence of a wireless network (Broadcasting), and transmits information by allowing a signal receiver to find and participate in the wireless network.
  • NFC Near field communication
  • RFID radio tag
  • NFC is a next generation short-range communication technology that is attracting attention because of the relatively high security and low price because of the short communication distance.
  • the ability to use both data read and write functionality eliminates the need for a dongle that was previously required for RFID use. It's similar to existing short-range communication technology, but you don't need to set up devices like Bluetooth.
  • the NFC module may perform data exchange or contactless payment with the card terminal through wireless communication with the communication device 200.
  • the display unit 160 performs a function of displaying card information to a user. That is, the display unit 160 displays and outputs information processed by the smart multi card 100.
  • the smart multi-card 100 may display a user interface (UI) or a graphic user interface (GUI) related to card payment or display information of a card for performing the payment.
  • UI user interface
  • GUI graphic user interface
  • the display unit 160 may display a barcode, a number, or a QR code of a card to be accumulated.
  • the display unit 160 may display the type of the identification card.
  • the display unit 160 when the smart multi-card 100 is in a card registration mode or a card issuing mode for adding a card other than a pre-stored card, the display unit 160 and the connection with the communication device 200 or the card terminal; A related UI (User Interface) or GUI (Graphic User Interface) can be displayed.
  • the display unit 160 when the smart multi-card 100 is in the use setting mode, the display unit 160 provides a visual setting interface (UI) generated by the control unit 120 so that the user inputs the user input unit 140 To change the setting.
  • the display unit 160 may be configured as a graphic type or may be configured as a segment type.
  • the display unit 160 may be used as an input device in addition to the output device.
  • the display unit 160 may include a touch screen panel and a touch screen panel controller.
  • a user may select card information (eg, a company logo, a card appearance, a card name, etc.) displayed on the display unit 160 by a touch operation.
  • the card may be changed by touching a portion on the touch screen on which a card change key is displayed or by touching the touch screen and moving (eg, sweeping) along a predetermined path.
  • the smart multi-card 100 is a card according to the touch command input to the touch screen 160
  • the card classification can be changed. That is, the user may change to the credit card group of the user, the check card group of the user, and the point card group of the user.
  • the touch screen 160 left and right the card type in the card classification can be changed. That is, in the credit card group, it is possible to search for and select a credit card to be settled by left and right operations.
  • a card image or a company logo displayed on the display unit 160 may be touched to select or deselect the card.
  • the display unit 160 may include a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, and an electronic paper. (E-paper) may include at least one.
  • E-paper may include at least one.
  • two or more display units 160 may exist according to the implementation form of the smart multi-card 100.
  • the display unit 160 may be provided on the front and rear surfaces of the smart multi-card 100, respectively.
  • the electronic paper is an electronic device that can feel the feeling of paper as it is and can act as a paper, also called e-paper.
  • the electronic paper may be applied to various methods such as a method of making ink using small balls or capsules and a paper effect by making a flat panel display such as a conventional liquid crystal display (LCD) thinner.
  • LCD liquid crystal display
  • the information storage unit 130 performs a function of storing information necessary for using the smart multi-card (100).
  • the information storage unit 130 may store card information used for payment or accumulation, and may store a user's security certificate.
  • the information storage unit 130 may store the user's biometric information for user authentication.
  • the information storage unit 130 the user stores a plurality of card information issued to the smart multi-card 100 for use in payment, earning or user authentication (hereinafter, payment, etc.). .
  • the information storage unit 130 may store a program for processing and control of the control unit 120.
  • the information storage unit 130 may include an operating system for driving the smart multi-card (100).
  • the information storage unit 130 may provide a workspace for card operations such as encryption and decryption.
  • the information storage unit 130 may be configured in the form of an IC (Integrated Circuit) chip, and may include a microprocessor unit (MPU) having its own arithmetic function in the IC chip.
  • MPU microprocessor unit
  • the power supply unit 150 receives external power and internal power by the control of the control unit 120 to supply power for operation of each component.
  • the connector unit 180 exchanges data with the contact card terminal.
  • the connector 180 contacts the card contact part of the contact card terminal to perform direct data exchange.
  • the connector unit 180 may be included in the IC chip.
  • the connector unit 180 may be exposed to the outside of the card frame 110 to perform a direct physical contact with a contact card terminal.
  • Figure 4 is a flow chart of a method for performing payment or accumulation using the smart multi-card 100 according to an embodiment of the present invention.
  • the smart multi-card 100 loads the card list information stored in the information storage unit 130 to display all or part of the display unit 160 (S100).
  • the smart multi-card 100 is all of the card list information (for example, card company information, card name, card logo, card image, card validity period, etc.) stored in the information storage unit 130 or Information included in a part) is loaded and displayed on the display unit 160 for the user to select.
  • the smart multi-card 100 may display some or all of the card list on the display unit 160 according to the size of the display unit 160, the type, type or number of card information to be displayed.
  • the user input unit 140 receives a selection of a card to be earned or paid from the card list from the user (S110).
  • the user operates the user input unit 140 to select a card to be paid or accumulated from the cards displayed on the display unit 160.
  • the user input unit 140 is a direction button
  • the user may select a card to be settled by changing the card through the direction button operation.
  • the user input unit 140 corresponds to the number button
  • the user may input a specific number to select a card corresponding to the number.
  • a card selection may be performed by recognizing a user's touch command. That is, the user may change the card by touching the left and right ends of the display unit 160 and change the card by touching (eg, sweeping) a predetermined path by touching the touch screen.
  • the card information of the selected card is loaded, and payment or accumulation is performed with the card information (S120). That is, the controller 120 loads the card information of the selected card from the information storage unit 130 so that payment or accumulation can be performed.
  • the smart multi-card 100 is a method for performing a payment based on the card information, the contact type payment method for contacting or inserting the smart multi-card 100 into the contact payment terminal, the smart multi-card ( 100) a contactless payment method for recognizing the contactless payment terminal, the smart multi-card (100) loads the card stored in the communication device 200, the method of payment through the contact or contactless payment terminal, etc. Can be performed by
  • the contact payment method of contacting or inserting the smart multi-card 100 into the contact payment terminal is a physical contact between the contact portion of the payment terminal and the connector 180 of the smart multi-card 100. Therefore, mutual data exchange such as card information or user information can be performed.
  • the contactless payment method for recognizing the smart multi-card 100 to a contactless payment terminal and making payment may communicate with the contactless payment terminal through an antenna using a radio frequency signal to perform payment without physical contact. That is, the contactless payment method may exchange data such as card information or user information through wireless communication such as near field communication (NFC), Bluetooth low energy (BLE), and wireless fidelity (Wi-Fi).
  • NFC near field communication
  • BLE Bluetooth low energy
  • Wi-Fi wireless fidelity
  • an embodiment of the present invention may further include an external terminal connection portion.
  • the external terminal connector is connected to an external power source to perform charging or data exchange by connecting to an external device. That is, the smart multi card 100 may be connected to an external power source through an external terminal connection unit to perform charging of the power supply unit 150.
  • the smart multi-card 100 may exchange data by connecting to the external device by wire through the external terminal connector.
  • the external device refers to any device that can be connected to the smart multi-card 100 through a wired cable such as a communication device 200, a computer.
  • the smart multi-card 100 may be connected to a device such as a computer by wire to receive card information to be issued or registered to the card.
  • the smart multi-card 100 may be transmitted by connecting a variety of information, such as setting information, user authentication information from the device by wire. Through this, the smart multi-card 100 can perform data exchange at a faster speed than when performing data exchange wirelessly.
  • the display unit 160 may display a power holding amount of the power supply unit 150. That is, the smart multi-card 100 displays the power holding amount on one side of the display unit 160, the user can use the card while checking the remaining power holding amount can check the progress of charging when charging.
  • the power supply unit 150 may include a wireless charging function.
  • the wireless charging refers to performing charging without plugging a mobile device into a charger connected to an outlet, and various wireless charging technologies may be applied to the smart multi-card 100.
  • the power supply unit 150 may perform wireless charging using an electromagnetic induction method.
  • the electromagnetic induction method is a method using an electromagnetic induction principle in which electricity is induced in the receiver coil when the magnetic field is generated by the power transmitter coil. That is, the power supply unit 150 may include an iron core that rotates around the card, and may be charged by a magnetic field that is continuously changed when it is positioned around the wireless charging device in which AC flows.
  • the power supply unit 150 may perform wireless charging through a magnetic resonance method or an electromagnetic wave method.
  • the receiver receives an electromagnetic wave using a rectenna in which an antenna and a rectifier are combined and converts the electromagnetic wave into electric power.
  • the magnetic resonance method is a technology in which a magnetic field oscillating at a resonant frequency in a transmitter coil is intensively transmitted to only a receiver coil designed at the same resonant frequency.
  • the electromagnetic induction method, the electromagnetic wave method, and the magnetic resonance method are commonly applied to the Aperfer law and the Faraday law.
  • the smart multi-card 100 may perform partial charging of power by magnetic induction when payment is made to a contactless card terminal. This eliminates the need for users to worry about charging the power before using the card.
  • the smart multi-card 100 can be charged at any place having a wireless charger (for example, a restaurant or a cafe having a wireless charger of a magnetic resonance method), without having to worry about charging. Can be used.
  • an embodiment of the present invention may further include a solar cell (or solar cell).
  • the solar cell is a power generation method that converts sunlight directly into electrical energy using a solar cell without the help of a generator, it is possible to perform the charging of the power supply unit 150.
  • the solar cell may be applied to a conventional solar cell technology.
  • the solar cell is composed of a PN junction semiconductor, and the number of free electrons in the semiconductor is increased by sunlight to charge the power supply unit 150.
  • the technology applied to the solar cell is not limited thereto, and various conventional solar cell technologies may be applied.
  • the solar cell may be provided at the rear of the card frame 110. That is, the smart multi-card 100 having the solar cell may be charged by arranging the rear surface of the smart multi-card 100 to be exposed to sunlight.
  • control unit 120 the payment control module for controlling the card payment function; And an operation control module for controlling a non-payment operation of the smart multi-card 100.
  • the payment control module may be provided in the information storage unit 130.
  • the information storage unit 130 for example, IC (Integrated Circuit) chip
  • the payment control module for controlling the card payment function for example, payment It may include a micro controller unit (MCU).
  • MCU micro controller unit
  • one embodiment of the present invention may further include an interface unit.
  • the interface unit may play a role of converting the data method in the same manner.
  • the interface unit may be connected between the control unit 120 and the information storage unit 130 in the smart multi-card 100 in the form of a separate chip to perform a conversion during data transfer or the control unit ( 120 or may be implemented in the form of software in the information storage unit 130.
  • the smart multi-card 100 may be changed from a dormant state to an active state according to the operation of the user input unit 140. Even when the user does not use the smart multi-card 100, the power is continuously turned on and the power consumption may increase, so the smart multi-card 100 may enter a sleep mode when the user does not operate for a specific time. .
  • the sleep mode refers to a state in which an operation of some components of the smart multi-card 100 is inactivated.
  • the smart multi-card 100 may release the dormant state and make the active state. Through this, the smart multi-card 100 can reduce unnecessary power consumption, it is possible to prevent the smart multi-card 100 is overloaded so that it can be utilized for a long time without failure.
  • the information storage unit 130 may store the user's settings related to the operation of the smart multi-card (100).
  • the setting items may include setting a time at which the smart multi card 100 starts the sleep mode, brightness of the display unit 160, a UI form displayed on the display unit 160, and the like.
  • the controller 120 generates an interface (UI) through which information can be input from the user through the information processing, and provides it to the display unit 160, and the user input unit 140 desired setting information from the user. Can be input. Thereafter, the information storage unit 130 may store the input setting information.
  • UI interface
  • the information storage unit 130 may store the card setting information for the injection
  • the smart multi-card 100 is the information storage unit 130 for the card information for injection when the change from the dormant state to the active state Can be loaded from That is, the smart multi-card 100 may store a card mainly used by the user in the information storage unit 130 according to the setting storage method.
  • the smart multi-card 100 can directly provide the injection card as a payment means, thereby reducing the time and inconvenience for the user to select a card for payment.
  • the smart multi-card 100 when the smart multi-card 100 is interlocked with the communication device 200, the control unit 120, the wireless communication signal (for example, BLE from the communication device 200) If the signal is not received, the operation of the smart multi-card 100 may be stopped. That is, the smart multi-card 100 may recognize the distance by receiving a specific radio signal transmitted by the communication device 200. For example, when the smart multi-card 100 receives a beacon signal transmitted by the communication device 200 and performs distance calculation, the smart multi-card 100 calculates a predetermined distance at which the calculated distance is set. If exceeded, the operation can be stopped.
  • the wireless communication signal for example, BLE from the communication device 200
  • the communication device 200 sets the signal transmitted by a specific strength to be transmitted only up to a specific distance
  • the smart multi-card 100 does not receive the wireless communication signal
  • the operation may be stopped in response to a distance out of a predetermined distance.
  • the smart multi-card 100 may generate the alarm when out of the predetermined distance from the interworking communication device 200. Users of the communication device 200 often lose the communication device 200 leaving the communication device 200 in a restaurant or the like.
  • the smart multi-card 100 determines whether a predetermined distance from the communication device 200 on the basis of the wireless communication signal transmitted by the communication device 200, the smart multi-card 100 is the predetermined In case of exceeding the distance, an alarm may be provided to the user to inform that the communication device 200 has been left elsewhere. If the user has the smart multi-card 100 through this, whether the communication device 200 is lost can be provided through the smart multi-card (100).
  • the wireless communication unit 170 receives payment details or the accumulated information from the card terminal or the communication device 200, and the control unit 120 processes the information to be displayed on the display unit 160.
  • the display unit 160 may visually display the payment details. That is, the wireless communication unit 170 may receive payment history or accumulated history information data from the card terminal or the communication device 200 at the time of payment.
  • the control unit 120 performs information processing to display the payment history or the earning history information data on the display unit 160, and the display unit 160 visually displays the information and provides it to the user. Can be. Through this, the user can immediately check the payment history or earned history without receiving a receipt. In addition, since the receipt does not have to be provided separately, there is an effect that can reduce the cost used to print the receipt.
  • the smart multi-card 100 may transmit the payment details received according to the user's selection to the communication device 200 through wireless communication. That is, only payment history information required by the user may be transmitted from the smart multi-card 100 to the communication device 200 through wireless communication.
  • the smart multi-card 100 may transmit the payment history information according to a specific input input by the user to the user input unit 140. Through this, the user can transmit and store the payment history information that needs to be stored to the communication device 200 even if a receipt is not issued, and can utilize the accumulated data such as creating an account book based on the payment history information. It works. In addition, the user does not have to use a paid billing text service to check payment information and store it in the communication device 200, thereby reducing costs.
  • the magnetic stripe driving unit may further include.
  • the magnetic stripe driver generates a magnetic stripe based on card information processed by the controller 120. That is, the smart multi-card 100 may include a magnetic stripe on the rear surface of the card frame 110, and the magnetic stripe driving unit may change the magnetic arrangement of the magnetic stripe on the information of the card selected by the user. Through this, in a store that does not have an IC card terminal, the user may make a payment using the magnetic stripe of the smart multi-card 100. In addition, the smart multi-card 100 may select the payment method from the payment by the IC chip or the payment by the magnetic stripe by the user operation of the user input unit 140.
  • the smart multi-card according to an embodiment of the present invention can be provided with both a wireless communication unit, a connector unit, a magnetic stripe, payment method by magnetic stripe (magnetic stripe), contact payment method, contactless payment method and communication device Various payment methods such as a payment method can be provided. Accordingly, the user may apply a method suitable for the user's situation.
  • the smart multi-card by interworking with the communication device, so that the smart multi-card does not proceed to the payment if the smart multi-card is more than a certain distance away from the communication device, it is excellent in preventing personal information security or unauthorized payment when the card is stolen Can provide an effect.
  • the smart multi-card can be issued and stored through a wired connection with another device such as a communication device or wireless communication with a card terminal or communication device, it is possible to easily store multiple card information in a single card.
  • the smart multi card displays the card information through the display unit, so that the user can select which card to pay.
  • the smart multi-card is provided with a user input unit so that the user can easily operate the card, in particular, when the user input unit forms a touch screen in combination with the display unit, it is possible to immediately perform the card operation while checking the display It is convenient to implement a flat card form without having to include a separate keypad or the like.
  • the smart multi-card includes a sleep mode function, thereby reducing the number of charges by reducing unnecessary power consumption. Through this, it is possible to solve the inconvenience that the user has to charge frequently and the inconvenience to care about the power reserve.
  • the smart multi-card can be settled by the card for injection, if the user wants to pay the card through the card setting function for injection. Through this, there is an effect that can save the time spent in selecting the primary card to retrieve the card information.
  • the smart multi-card including a solar cell
  • the solar cell can be provided on one side of the rear portion of the card frame that is not provided with a separate configuration of the smart multi-card, there is no inconvenience in using the card, and it is useful to perform charging only by solar exposure of the rear portion.
  • the smart multi-card can perform a wireless charging can be easily charged.
  • the user can easily perform power charging without directly connecting the card to a power source, and the smart multi-card can be automatically charged and used without a user considering charging. .
  • the smart multi-card can receive payment history or earning history information from the card terminal, the user can immediately check the payment history or earning history without receiving a receipt.
  • the receipt does not have to be provided separately, there is an effect that can reduce the cost used to print the receipt.
  • the smart multi-card can transmit the received payment history information to the communication device, the user can transmit and store the payment history information that needs to be stored to the communication device even if a receipt is not issued, the payment history information Based on this, it is possible to directly use the accumulated data such as creating a household account book. In addition, a user does not have to use a paid payment text service to check payment information and store it in the communication device, thereby reducing costs.

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  • Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne une multicarte à puce. Selon un mode de réalisation, cette multicarte à puce comprend : un cadre de carte contenant un espace d'installation pour la configuration de la carte ; une unité de communication sans fil permettant d'échanger des données avec un terminal de carte externe ou un dispositif de communication par communication sans fil ; une unité de sauvegarde d'informations destinée à sauvegarder des informations relatives à une pluralité de cartes ; une unité d'entrée utilisateur conçue pour recevoir l'entrée d'une opération par un utilisateur et effectuer une sélection parmi les informations de la pluralité de cartes qui ont été sauvegardées à l'intérieur ; une unité d'affichage prévue pour afficher visuellement les informations de carte qui ont été sélectionnées ; et une unité de commande servant à extraire de l'unité de sauvegarde d'informations les informations de carte qui ont été sélectionnées par l'utilisateur, à traiter les informations de la carte, à les transmettre à l'unité d'affichage, et à traiter les données échangées par le biais de l'unité de communication sans fil. Cette invention présente l'avantage de rendre le transport de cartes plus pratique puisqu'elle sauvegarde toutes les données liées aux paiements et à l'accumulation de points sur une seule carte. Elle présente également l'avantage d'alléger les portefeuilles, car l'utilisateur n'a plus à transporter une multitude de cartes.
PCT/KR2015/007264 2014-07-14 2015-07-13 Multicarte à puce WO2016010320A1 (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
CN201580038058.8A CN106537419A (zh) 2014-07-14 2015-07-13 智能多功能卡
US15/326,426 US10032101B2 (en) 2014-07-14 2015-07-13 Smart multi-card
EP15821326.4A EP3171298A4 (fr) 2014-07-14 2015-07-13 Multicarte à puce
JP2017523747A JP2017524219A (ja) 2014-07-14 2015-07-13 スマートマルチカード

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR20140088649 2014-07-14
KR10-2014-0088649 2014-07-14
KR10-2014-0162775 2014-11-20
KR1020140162775A KR101598371B1 (ko) 2014-07-14 2014-11-20 스마트멀티카드

Publications (1)

Publication Number Publication Date
WO2016010320A1 true WO2016010320A1 (fr) 2016-01-21

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PCT/KR2015/007264 WO2016010320A1 (fr) 2014-07-14 2015-07-13 Multicarte à puce

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WO (1) WO2016010320A1 (fr)

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US5857079A (en) * 1994-12-23 1999-01-05 Lucent Technologies Inc. Smart card for automatic financial records
US20020175207A1 (en) * 1998-08-06 2002-11-28 Forough Kashef Terminal software architecture for use with smart cards
US20080201265A1 (en) * 2007-02-15 2008-08-21 Alfred Hewton Smart card with random temporary account number generation
US20090261161A1 (en) * 2000-12-06 2009-10-22 First Usa Bank, N.A. Selectable multi-purpose card
WO2013028930A2 (fr) * 2011-08-24 2013-02-28 Philippe Guillaud Carte d'informations électronique pour extraire des informations financières

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US5857079A (en) * 1994-12-23 1999-01-05 Lucent Technologies Inc. Smart card for automatic financial records
US20020175207A1 (en) * 1998-08-06 2002-11-28 Forough Kashef Terminal software architecture for use with smart cards
US20090261161A1 (en) * 2000-12-06 2009-10-22 First Usa Bank, N.A. Selectable multi-purpose card
US20080201265A1 (en) * 2007-02-15 2008-08-21 Alfred Hewton Smart card with random temporary account number generation
WO2013028930A2 (fr) * 2011-08-24 2013-02-28 Philippe Guillaud Carte d'informations électronique pour extraire des informations financières

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CN115358246A (zh) * 2022-10-24 2022-11-18 湖南会成科技有限公司 信息交互方法、装置、存储介质和处理器
CN115358246B (zh) * 2022-10-24 2023-05-02 湖南会成科技有限公司 信息交互方法、装置、存储介质和处理器

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