WO2016080812A1 - Procédé de paiement mobile utilisant une multicarte à puce et application de multicarte à puce - Google Patents

Procédé de paiement mobile utilisant une multicarte à puce et application de multicarte à puce Download PDF

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Publication number
WO2016080812A1
WO2016080812A1 PCT/KR2015/012568 KR2015012568W WO2016080812A1 WO 2016080812 A1 WO2016080812 A1 WO 2016080812A1 KR 2015012568 W KR2015012568 W KR 2015012568W WO 2016080812 A1 WO2016080812 A1 WO 2016080812A1
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WO
WIPO (PCT)
Prior art keywords
card
information
smart multi
recommendation
user authentication
Prior art date
Application number
PCT/KR2015/012568
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English (en)
Korean (ko)
Inventor
배재훈
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
Application filed by 브릴리언츠 주식회사 filed Critical 브릴리언츠 주식회사
Priority to US15/528,209 priority Critical patent/US20180047012A1/en
Priority to JP2017527309A priority patent/JP2017535885A/ja
Priority claimed from KR1020150163402A external-priority patent/KR101783708B1/ko
Publication of WO2016080812A1 publication Critical patent/WO2016080812A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F9/00—Arrangements for program control, e.g. control units
    • G06F9/06—Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
    • G06F9/44—Arrangements for executing specific programs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0806—Details of the card
    • G07F7/0846—On-card display means
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0806—Details of the card
    • G07F7/0853—On-card keyboard means

Definitions

  • the present invention relates to a mobile payment method and a smart multi-card application using a smart multi-card, and more particularly, a mobile payment method and a smart multi-card application using a smart multi-card which automatically recommends a card to be used for mobile payment. It is about.
  • the user In order to make a payment while having a large number of cards as described above, the user is inconvenient to find a card to be used for payment each time among the cards he holds. In addition, the user is inconvenient to enter the card information (for example, card number, expiration date, card security number) by selecting a card to use from a number of cards when using mobile payment using a user terminal, such as a smartphone . In addition, there is a risk that the card information is exposed to others in the process of inputting the card information to the user terminal.
  • the card information for example, card number, expiration date, card security number
  • a mobile payment method using a smart multi-card comprises the steps of storing the card information of the smart multi-card; Collecting order information of goods ordered through a user terminal; Selecting a recommendation card suitable for the order information from a plurality of cards included in the smart multi card; And transmitting card information of the recommendation card to the smart multi card.
  • Receiving event information related to the order information from a market server Receiving card usage history information of the smart multi-card from a financial institution server; Selecting the recommendation card based on at least one of a discount rate and an accumulation rate obtained from the event information; And selecting one recommendation card from the plurality of recommendation cards based on the card usage history information when there are a plurality of recommendation cards selected based on at least one of the discount rate and the accumulation rate.
  • the selecting of the recommendation card may include selecting a recommendation card for each order information when the order information is collected.
  • the card information of the recommendation card corresponding to the selected order information is encrypted using a previously stored encryption key and then transmitted to the smart multi card, and the encryption key is received from a financial institution server that has issued the smart multi card.
  • Determining a wireless communication method for transmitting and receiving data with the smart multi-card Receiving encrypted user authentication information from the smart multi card; Performing user authentication based on the encrypted user authentication information and pre-stored user authentication information; Requesting card information of a card to be used for payment to the smart multi card when the user authentication is successful; Receiving card information of the recommendation card encrypted from the smart multi card; And performing a payment process based on the card information of the encrypted recommendation card.
  • the determining of the wireless communication method may include: calculating a distance to the smart multi card based on the strength of the wireless signal received from the smart multi card when the first wireless communication method is activated; If the calculated distance is within a reference distance, maintaining the first wireless communication scheme in an activated state; And deactivating the first wireless communication scheme and activating a second wireless communication scheme when the calculated distance exceeds the reference distance.
  • the performing of user authentication may include decrypting the encrypted user authentication information using a previously stored decryption key; Determining that the user authentication is successful when the decrypted user authentication information and the stored user information match; And if the decryption fails or the decrypted user authentication information and the stored user information do not match, determining that the user authentication has failed, wherein the decryption key is received from a financial institution server.
  • the recommendation card information is loaded into the smart multi card.
  • the wireless multi-card and the user terminal determine the wireless communication method, and in accordance with the determined wireless communication method by exchanging user authentication information and / or card information, It is possible to secure the security of the data transmitted and received between the user terminal.
  • the smart multi card Since the user authentication information and / or card information transmitted and received between the smart multi card and the user terminal are encrypted and transmitted, the smart multi card can be prevented from being used by another user even if the user loses the smart multi card. have.
  • the card information of the card to be used for payment does not need to be input to the user terminal, user convenience is improved, and the card information can be prevented from being exposed to other people.
  • FIG. 1 is a diagram showing the configuration of a mobile payment system using a smart multi-card according to an embodiment of the present invention.
  • FIG. 2 is a diagram illustrating a configuration of a user terminal according to an embodiment of the present invention.
  • FIG. 4 is a diagram illustrating the appearance of a smart multi-card according to an embodiment of the present invention.
  • 5 and 6 are flowcharts illustrating a mobile payment method using a smart multi card according to an embodiment of the present invention.
  • FIG. 7 and 8 are flowcharts illustrating a mobile payment method using a smart multi card according to another embodiment of the present invention.
  • step S575 of FIG. 8 is a flowchart illustrating step S575 of FIG. 8 in more detail.
  • FIG. 1 is a diagram illustrating a configuration of a mobile payment system 1 using a smart multi-card 100 according to an embodiment of the present invention.
  • the mobile payment system 1 using the smart multi card 100 may include a user terminal 200, a smart multi card 100, a financial institution server 500, and a market server 600. ).
  • the user terminal 200 stores various applications.
  • the user terminal 200 stores an order application and a card recommendation application.
  • Ordering application refers to an application that allows the user to order goods or food.
  • the ordering application may exist by company, item, food or brand.
  • Such an ordering application may be distributed by the market server 600.
  • Card recommendation application is suitable for payment from among the card information of the cards stored in the smart multi-card 100, if the user wants to perform offline mobile payment or online mobile payment using the smart multi-card 100 possessed by the user It is an application that automatically recommends the card information of the card.
  • the card recommendation application collects order information and automatically recommends a card most suitable for payment based on the collected order information.
  • the smart multi card 100 stores card information for a plurality of cards. Unlike a conventional financial card that includes card information for one card in an integrated circuit chip, the smart multi-card 100 includes card information for a plurality of cards in one IC chip. When a card to be used for payment is recommended by the card recommendation application, the smart multi-card 100 loads card information of the recommendation card among a plurality of card information stored in the IC chip. Card information necessary for payment may be selected by the user, or may be automatically selected based on the order information made through the user terminal 200.
  • the financial institution server 500 refers to a server operated by a financial institution such as a bank or a card company.
  • the financial institution server 500 may issue a smart multi card to the user according to the user's request.
  • at least one of user authentication information, an encryption key, and a decryption key may be set by the user and / or the financial institution server 500, and the information may be set by the smart multi-card 100 and
  • the financial institution server 500 may be stored.
  • the user authentication information refers to information used for user authentication, and may include at least one of user's personal information, biometric information, and authorized authentication information.
  • the financial institution server 500 stores and manages the information of the smart multi-card 100 issued to the user.
  • the market server 600 refers to a server operated by a sales company.
  • the market server 600 stores sale product information for various sale products.
  • the sales item information may include the name, price, and expiration date of the sales item.
  • the market server 600 stores the event information for each sale.
  • the event information may include discount information, earning information, and free gift information.
  • the discount information may include, for example, a type of discount card, a discount rate, and a discount period. For example, the type of credit card, the rate of accumulation and the period of accumulation.
  • the sale information and the event information as described above may be posted through a web page of the market server 600 or may be provided through an ordering application for the market server 600.
  • the user may access a web page of the market server 600 or execute an ordering application using the user terminal 200, and may select and order a desired product from among sales items posted on the webpage or the ordering application.
  • a user terminal 200 includes an input unit 210, an output unit 220, a storage unit 230, a communication unit 240, a power supply unit 250, and a control unit 260. do.
  • the input unit 210 receives information from a user. For example, user information, card information of the smart multi-card 100, and order information for a product order are received. In addition, the input unit 210 receives a command from a user. For example, a card recommendation application execution command and an order application execution command are input. However, the information or command input from the user is not limited to those illustrated.
  • the input unit 210 includes input means such as a keypad, a touch pad, and a touch panel.
  • the touch panel includes a resistive touch panel, a capacitive touch panel, an ultrasonic touch panel, or an infrared touch panel.
  • the touch panel is stacked on the display 222 of the output unit 220 to be described later to form a touch screen.
  • the output unit 220 outputs the command processing result as a visual signal and / or an audio signal.
  • the output unit 220 includes at least one of a display 222 for outputting a visual signal and a speaker 224 for outputting an audio signal.
  • the display 222 may be a flat panel display, a flexible display, an opaque display, a transparent display, an electronic paper (E-paper), or any form well known in the art. It may be provided as.
  • the output unit 220 may further include any type of output means well known in the art to which the present invention pertains, in addition to the display 222 and the speaker 224.
  • the electronic device may further include at least one of a vibrator for outputting a tactile signal such as a vibration and a light emitting device for outputting an optical signal.
  • the storage unit 230 may be a non-volatile memory, a volatile memory, an internal memory, a removable external memory, a hard disk, an optical disk, a magneto-optical disk, or any type of computer readable well known in the art. It may include a recording medium. Examples of the external memory include an SD card (Secure Digital Card), a mini SD card, and a micro SD card.
  • SD card Secure Digital Card
  • mini SD card Secure Digital Card
  • micro SD card micro SD card
  • the storage unit 230 stores various data. For example, data received from the financial institution server 500, data collected by the card recommendation application, data received from the market server 600, data received from the smart multi-card 100, or a combination thereof. Save it.
  • the data received from the financial institution server 500 may include, for example, user authentication information, an encryption key, a decryption key, or a combination thereof.
  • the user authentication information may include at least one of user's personal information, biometric information, and authorized authentication information.
  • the encryption key refers to a key used to encrypt data to be transmitted from the user terminal 200 to the smart multi card 100, and the decryption key is encrypted from the smart multi card 100 and transmitted to the user terminal 200.
  • the user authentication information, encryption key, decryption key, or a combination thereof may be completed by the financial institution server 500 through the wired / wireless network 400 when the authentication operation for the user terminal 200 is completed. Can be downloaded from.
  • the user authentication information stored in the storage unit 230 of the user terminal 200 may be used as data for user authentication at the time of online mobile payment using the smart multi-card 100.
  • mobile payment includes offline mobile payment and online mobile payment.
  • the offline mobile payment refers to a payment made based on communication between the smart multi-card 100 and a point of sales terminal 300.
  • Online mobile payment refers to a payment made based on the communication between the smart multi-card 100 and the user terminal 200.
  • the data collected by the card recommendation application may be order information.
  • the order information is information generated when a user orders a predetermined product through a web page or an ordering application of the market server 600.
  • the order information may include, but is not limited to, a product name, a product price, a vendor, and a distributor contact.
  • Examples of the data received from the market server 600 include event information related to order information.
  • the event information may include discount information, earning information, free gift information, or a combination thereof.
  • Examples of the data received from the smart multi card 100 include encrypted user authentication information and encrypted recommendation card information.
  • the smart multi-card 100 may encrypt user authentication information or recommendation card information using an encryption key stored in the smart multi-card 100 itself. A more detailed description thereof will be described later with reference to FIGS. 7 to 9.
  • the power supply unit 250 supplies power to each component of the user terminal 200.
  • the power supply 250 is charged in various ways.
  • the power supply unit 250 receives power from a commercial power source through a cable connected to a commercial power source (not shown) and is charged.
  • the power supply unit 250 is charged by receiving power from a wireless charging device (not shown) electrically connected to a commercial power source according to a wireless power transmission technology.
  • the controller 260 connects and controls the components in the user terminal 200. Specifically, when a card recommendation application execution command is input, the controller 260 drives the card recommendation application stored in the storage 230. Thereafter, when the card information of the smart multi-card 100 possessed by the user is registered, the controller 260 requests data from the financial institution server 500. For example, at least one of user authentication information, an encryption key, and a decryption key is requested.
  • the decryption unit 264 of the controller 260 decrypts the encrypted data using a decryption key.
  • the card recommendation unit 266 requests data related to the order information from the market server 600 and the financial institution server 500, respectively. Specifically, the card recommendation unit 266 requests the market server 600 for event information related to the order information and requests the financial institution server 500 for card usage history information of the smart multi-card 100.
  • the card recommendation unit 266 receives the received event information, the received card usage information, and the pre-stored smart multi.
  • the card information of the card 100 is analyzed. Based on the analysis result, a card most suitable for the order information among the plurality of cards included in the smart multi-card 100 is selected as the recommendation card.
  • the smart multi-card 100 includes card information of the first card and card information of the second card.
  • the discount rate gradually increases in the order of the first card, the second card, and the third card.
  • the card recommendation unit 266 selects the second card as the recommendation card.
  • the card recommendation unit 266 compares the usage history information of the first card and the usage history information of the second card. Then, a card having a high use performance is selected from the first card and the second card. Alternatively, when the discount rate of the first card and the discount rate of the second card are the same, the card recommendation unit 266 selects a card having a high weekly use record, a monthly use record, or an annual use record as the recommendation card. As such, if a card having a high use history is selected first, the overall use performance of the card can be increased, and as a result, a user can increase the benefit.
  • the card recommendation unit 266 collects and analyzes event information and card usage history information with respect to each order information, and selects an appropriate recommendation card for each order information.
  • the order information list and / or recommendation card list generated in this manner may be displayed on the display 222 of the output unit 220.
  • the user terminal 200 may be a wired / wireless communication device possessed by a user.
  • Wired and wireless communication devices include personal computers (PCs), cellular phones, PCS phones (Personal Communication Service phones), and mobile terminals of synchronous / asynchronous IMT-2000 (International Mobile Telecommunication-2000).
  • PCs personal computers
  • cellular phones Portable Cellular Networks
  • PCS phones Personal Communication Service phones
  • IMT-2000 International Mobile Telecommunication-2000
  • PDA Personal Computer
  • PDA Personal Digital Assistant
  • WAP phone Wireless Application Protocao phone
  • the user input unit 110 receives a command from the user.
  • the user input unit 110 may include one or more buttons.
  • the user input unit 110 includes three buttons (for example, two direction buttons and one selection button).
  • at least one button may be replaced with at least one of a keypad, a keyboard, a touch pad, and a dome switch.
  • the touch pad may be stacked on the display unit 120, which will be described later, to form a touch screen.
  • the keypad or keyboard may be implemented in software and displayed through the touch screen.
  • the display unit 120 displays information processed by the smart multi card 100. For example, when the smart multi card 100 is in the payment mode, the display 120 displays card information of a card to be used for payment. If the smart multi-card 100 is in the earning mode, the display 120 displays a barcode of the card to be earned. In addition, the display 120 may display a graphic user interface related to the smart multi-card 100.
  • touch pads may be stacked on the display unit 120 to configure a touch screen.
  • the display 120 may be viewed as having both an output function and an input function.
  • the storage unit 130 stores at least one of user authentication information, an encryption key, and a decryption.
  • the user authentication information, encryption key, and decryption key are stored in the storage unit 130 in the process of receiving the smart multi-card 100 through the financial institution.
  • the storage unit 130 may be implemented as an IC chip.
  • the IC chip may include a microprocessor unit (MPU) having a calculation function. Some of these IC chips are exposed to the outside of the smart multi-card 100, as shown in FIG. The exposed part may be in physical contact with the fixed card terminal (not shown) or the mobile card terminal 300, and payment may be performed through the physically contacted part.
  • MPU microprocessor unit
  • the power supply unit 150 supplies power to each component in the smart multi card 100.
  • the power supply unit 150 may include a battery.
  • the battery may be charged by being supplied with power according to a wireless power transmission technology from a wireless charging device (not shown) electrically connected to a used power source.
  • the battery may be physically separated from the smart multi card 100, and the separated battery may be replaced with a new battery.
  • the controller 160 connects and controls each component in the smart multi-card 100. For example, the controller 160 determines a type of a command input through the user input unit 110 and performs an operation corresponding to the input command. Specifically, when a power supply command is inputted to the user input unit 110, the controller 160 causes power to be supplied to each component, and when a power supply termination command is input, the power supply to each component is stopped. do. If an activation command is input through the user input unit 110, the controller 110 activates a specific component, for example, the wireless communication unit 140. On the contrary, when the deactivation command is input through the user input unit 110, the controller 160 deactivates the activated component. In the above description, the power supply command and the activation command have been described separately, but the power supply command and the activation command may be integrated into one. That is, when a power supply command is input, power may be simultaneously supplied to each component and activated.
  • the controller 160 may further include at least one of the encryption unit 162 and the decryption unit 164.
  • the encryption unit 162 encrypts the data to be transmitted to the user terminal 200 by using a pre-stored encryption key.
  • the decryption unit 164 decrypts the encrypted data using a previously stored decryption key.
  • FIGS. 5 and 6 are flowcharts illustrating a mobile payment method using a smart multi-card 100 according to an embodiment of the present invention.
  • FIGS. 5 and 6 are flowcharts illustrating an offline mobile payment method performed between the smart multi card 100 and the mobile card terminal 300.
  • the user has been issued a smart multi-card 100 through a financial institution.
  • at least one of user authentication information, an encryption key, and a decryption key may be designated, and the designated user authentication information, encryption key, and decryption key may be assigned to the financial institution server 500 and the smart.
  • each state is stored in the multi-card 100.
  • the user terminal 200 has a card recommendation application and an order application installed.
  • the user terminal 200 drives the card recommendation application (S300).
  • the user terminal 200 requests data from the financial institution server 200 based on the card information (S310).
  • the financial institution server 500 requests at least one of user authentication information, an encryption key, and a decryption key.
  • the user terminal 200 When data is received from the financial institution server 200 (S315), the user terminal 200 stores the received data in the storage unit 230 and switches the operation mode of the card recommendation application being driven to the background operation mode ( S320).
  • the user terminal 200 collects the order information (S325).
  • the order information may include data input by the user in the process of ordering a product through an order application or a web page.
  • the order information may include an order history short message received by the user terminal 200 after ordering a product.
  • the user terminal 200 requests data related to the collected order information from the financial institution server 500 and the market server 600, respectively (S330).
  • the user terminal 200 requests the market server 600 for event information related to the order information, and requests the financial institution server 500 for card usage history information of the cards included in the smart multi-card 100. do.
  • the market server 600 and the financial institution server 500 transmit event information and card usage history information to the user terminal 200, respectively (S335).
  • the user terminal 200 analyzes at least one of event information received from the market server 600, card usage history information received from the financial institution server 500, and card information of the pre-registered smart multi-card 100. do. Based on the analysis result, the card most suitable for the order information is selected as the recommendation card from the plurality of cards included in the smart multi-card 100 (S340).
  • the step S340 may include selecting a card having the highest discount rate among the plurality of cards included in the smart multi-card 100 as a recommendation card, and discounting the plurality of cards included in the smart multi-card 100. If there are no cards or multiple cards having the same discount rate, selecting a card having a high card use result as a recommendation card may be included.
  • step S325 if there is a plurality of order information collected in step S325, the recommendation card is selected for each order information.
  • the order information list and the recommendation card list obtained in this manner are displayed on the display 222 of the user terminal 200 (S345).
  • the user may select predetermined order information from the displayed order information list (S350).
  • the smart multi-card 100 is activated according to the command input through the user input unit 110 (S355), and requests the card information of the recommendation card to the user terminal 200 (S360).
  • the user terminal 200 encrypts the card information of the recommendation card corresponding to the order information selected in step S350 by using the encryption key, and then converts the card information of the encrypted recommendation card into the smart multi-card 100. Transmit (S365).
  • the smart multi-card 100 decrypts the card information of the encrypted recommendation card using the decryption key, and then loads the card information of the decrypted recommendation card (S370).
  • the mobile card terminal 300 requests the smart multi-card 100 to use the card information for payment (S375).
  • the smart multi-card 100 transmits the card information of the loaded recommendation card to the mobile card terminal 300 (S380).
  • the mobile card terminal 300 performs a payment process based on the received card information of the recommendation card (S385). Specifically, the mobile card terminal 300 transmits a payment request signal to the financial institution server 500 and receives a payment processing result from the financial institution server 500.
  • FIGS. 7 and 8 are flowcharts illustrating a mobile payment method using a smart multi-card 100 according to another embodiment of the present invention. Specifically, FIGS. 7 and 8 are flowcharts illustrating an online mobile payment method performed between the smart multi-card 100 and the user terminal 200.
  • the user terminal 200 drives the card recommendation application (S500).
  • the user terminal 200 requests data from the financial institution server 500 based on the card information (S510).
  • the financial institution server 500 requests at least one of user authentication information, an encryption key, and a decryption key.
  • the user terminal 200 When data is received from the financial institution server 500 (S515), the user terminal 200 stores the received data in the storage unit 230 and switches the operation mode of the card recommendation application being driven to the background operation mode ( S520).
  • the user terminal 200 collects the order information (S525).
  • the order information may include data input by the user in the process of ordering a product through an order application or a web page.
  • the order information may include an order history short message received by the user terminal 200 after ordering a product.
  • the user terminal 200 requests data related to the collected order information from the financial institution server 500 and the market server 600, respectively (S530). For example, the user terminal 200 requests the market server 600 for event information related to the order information, and requests the financial institution server 500 for card usage history information of the cards included in the smart multi-card 100. do.
  • the market server 600 and the financial institution server 500 transmit event information and card usage history information to the user terminal 200, respectively (S535).
  • the user terminal 200 analyzes at least one of event information received from the market server 600, card usage history information received from the financial institution server 500, and card information of the pre-registered smart multi-card 100. do. Based on the analysis result, a card most suitable for order information is selected as a recommendation card from among a plurality of cards included in the smart multi-card 100 (S540).
  • the step S540 may include selecting a card having the highest discount rate among the plurality of cards included in the smart multi-card 100 as a recommendation card, and discounting the plurality of cards included in the smart multi-card 100. If there are no cards or multiple cards having the same discount rate, selecting a card having a high card use result as a recommendation card may be included.
  • step S525 if there is a plurality of order information collected in step S525, the recommendation card is selected for each order information.
  • the order information list and the recommendation card list obtained in this manner are displayed on the display 222 of the user terminal 200 (S545).
  • the user may select predetermined order information from the displayed order information list (S550).
  • the smart multi-card 100 is activated according to the command input through the user input unit 110 (S555), and requests the card information of the recommendation card to the user terminal 200 (S560).
  • the user terminal 200 previously encrypts the card information of the recommendation card corresponding to the order information selected in step S550 with an encryption key, and transmits the card information of the encrypted recommendation card to the smart multi-card 100 (S565). ).
  • the smart multi-card 100 decrypts the card information of the encrypted recommendation card using the decryption key, and then loads the card information of the decrypted recommendation card (S570).
  • the user terminal 200 determines a wireless communication method for communicating with the smart multi-card 100 (S575). A more detailed description of the step S575 will be described later with reference to FIG. 7.
  • the user terminal 200 requests the user authentication information to the smart multi-card 100 (S580). Then, the smart multi-card 100 encrypts the pre-stored user authentication information by using the pre-stored encryption key, and transmits the encrypted user authentication information to the user terminal 200 (S585).
  • the user terminal 200 performs user authentication based on encrypted user authentication information and pre-stored user authentication information received from the smart multi-card 100 (S590).
  • decrypting the encrypted user authentication information using a pre-stored decryption key determining that the user authentication has failed when decryption fails or when the decrypted user authentication information and the stored user authentication information do not match; If the decrypted user authentication information and the pre-stored user authentication information match, it may include determining that the user authentication is successful.
  • the user terminal 200 requests the card information of the card to be used for payment to the smart multi-card 100 (S595). Then, the smart multi-card 100 encrypts the card information of the loaded recommendation card using the pre-stored encryption key (S600), and transmits the card information of the encrypted recommendation card to the user terminal 200 (S605).
  • the user terminal 200 performs a payment process based on the card information of the encrypted recommendation card received from the smart multi-card 100 (S610).
  • the user terminal 200 decrypts the card information of the encrypted recommendation card using a previously stored decryption key, generates a payment request signal based on the decrypted recommendation card card information, and then generates the generated payment request signal.
  • the payment processing result is then received from the financial institution server 500.
  • the user terminal 200 determines whether Bluetooth is activated in the wireless communication method of the user terminal 200 (S575_1).
  • step S575_1 when the Bluetooth is activated, the user terminal 200 calculates a distance from the smart multi-card 100 based on the strength of the wireless signal received from the smart multi-card 100 (S575_2). ).
  • the reference distance may be set to a value within the range of 1 to 10 cm.
  • the reference distance may be set to 5 cm.
  • the set reference distance value may be implemented to be changeable by the user.
  • the card recommendation application may include a menu for setting a reference distance, and the user may set a reference distance value or change a preset reference distance value through this menu.
  • step S575_3 when the determination result of step S575_3, when the distance between the smart multi-card 100 and the user terminal 200 is within the reference distance, the user terminal 200 maintains the Bluetooth active state (S575_4). As a result, data is transmitted and received between the user terminal 200 and the smart multi-card 100 according to the Bluetooth method.
  • step S575_3 If, as a result of the determination in step S575_3, if the distance between the smart multi-card 100 and the user terminal 200 exceeds the reference distance, the user terminal 200 deactivates Bluetooth, and activates NFC (S575_5). As a result, data is transmitted and received between the user terminal 200 and the smart multi-card 100 according to the NFC method.

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Abstract

La présente invention concerne un procédé de paiement mobile utilisant une multicarte à puce et une application de multicarte à puce, lequel procédé permet la recommandation automatique d'une carte devant être utilisée lors de la réalisation d'un paiement mobile. Le procédé de paiement mobile utilisant une multicarte à puce, selon un mode de réalisation de la présente invention, comprend les étapes consistant à: stocker des informations de carte d'une multicarte à puce; recueillir des informations de commande concernant un produit commandé par l'intermédiaire d'un terminal utilisateur; choisir une carte recommandée qui convient en tenant compte des informations de commande parmi une pluralité de cartes comprises dans la multicarte à puce; et transmettre les informations de carte de la carte recommandée à la multicarte à puce.
PCT/KR2015/012568 2014-11-20 2015-11-20 Procédé de paiement mobile utilisant une multicarte à puce et application de multicarte à puce WO2016080812A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US15/528,209 US20180047012A1 (en) 2014-11-20 2015-11-20 Method for mobile payment by smart multicard and application for smart multicard
JP2017527309A JP2017535885A (ja) 2014-11-20 2015-11-20 スマートマルチカードを利用したモバイル決済方法および スマートマルチカード用アプリケーション

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
KR20140162789 2014-11-20
KR10-2014-0162789 2014-11-20
KR10-2014-0162793 2014-11-20
KR20140162793 2014-11-20
KR1020150163402A KR101783708B1 (ko) 2014-11-20 2015-11-20 스마트 멀티 카드를 이용한 모바일 결제 방법 및 스마트 멀티 카드용 어플리케이션
KR10-2015-0163402 2015-11-20

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WO2016080812A1 true WO2016080812A1 (fr) 2016-05-26

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CN107230075A (zh) * 2016-12-02 2017-10-03 天地融科技股份有限公司 一种多应用智能卡交易方法及系统

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* Cited by examiner, † Cited by third party
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CN107230075A (zh) * 2016-12-02 2017-10-03 天地融科技股份有限公司 一种多应用智能卡交易方法及系统
CN107230075B (zh) * 2016-12-02 2021-02-19 天地融科技股份有限公司 一种多应用智能卡交易方法及系统

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