WO2017222182A1 - Procédé de support de paiement par carte pour dispositif de type carte ayant de multiples fonctions, et dispositif de type carte ayant de multiples fonctions qui les exécute - Google Patents

Procédé de support de paiement par carte pour dispositif de type carte ayant de multiples fonctions, et dispositif de type carte ayant de multiples fonctions qui les exécute Download PDF

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Publication number
WO2017222182A1
WO2017222182A1 PCT/KR2017/004982 KR2017004982W WO2017222182A1 WO 2017222182 A1 WO2017222182 A1 WO 2017222182A1 KR 2017004982 W KR2017004982 W KR 2017004982W WO 2017222182 A1 WO2017222182 A1 WO 2017222182A1
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WO
WIPO (PCT)
Prior art keywords
card
payment
type device
function
information
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/KR2017/004982
Other languages
English (en)
Korean (ko)
Inventor
한강
이지호
이태훈
김성원
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
BC Card Co Ltd
Original Assignee
BC Card Co Ltd
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 KR1020170033160A external-priority patent/KR101752129B1/ko
Application filed by BC Card Co Ltd filed Critical BC Card Co Ltd
Publication of WO2017222182A1 publication Critical patent/WO2017222182A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a card payment support method of a card-type device having a multi-function and a card-type device having a multi-function for performing the same, and more particularly, in a payment service using a card-type device having a multi-function,
  • the payment can be performed with the displayed card information when the set payment waiting time is exceeded, and the cumulative payment data recorded in the secure element through a limit on the number of generation of the cumulative payment data.
  • Card type with multi-function if the number of times of generation is increased and the number of newly calculated cumulative payment data generation exceeds the preset number, or if the number of generations of cumulative payment data recorded on the secure element corresponds to the preset number of times.
  • Disable payment service using device As a method of using a payment service through a card-type device having a multi-function of a user, a method of supporting card payment of a card-type device having a multi-function to provide convenience for selecting a payment card and using a security service, and performing multi-function A card type device having a function is provided.
  • the currently used card is not equipped with a separate security function, the payment is carried out or earn points simply by proximity, contact, insert, or stripe the payment terminal, the problem of card theft As a result, weak security issues are on the rise.
  • the present invention is to solve the above-mentioned problems of the prior art, in the payment service using a card-type device having a multi-function, through the payment waiting time setting, if the set payment waiting time is exceeded payment with the displayed card information Can be performed, and the number of times of generating the cumulative payment data recorded on the secure element is increased by limiting the number of times of generating the cumulative payment data so that the newly calculated cumulative payment data generation number is set in advance. If the cumulative payment data generation number recorded in the secure element exceeds or exceeds the preset number, the payment service using the card-type device having a multi-function is disabled, thereby making the card-type device having the multi-function of the user possible.
  • An object of the present invention is to provide a card payment support method of a card-type device having a multi-function to provide convenience for card selection and security service use, and a card-type device having a multi-function performing the same.
  • the card-type device having a multi-function, (a) when the first user input is detected, is stored in advance in the memory Displaying first card identification information, which is any one of a plurality of card identification information; (b) if the second user input is not detected for a predetermined payment waiting time after the first user input is terminated, (i) increasing the number of generations of accumulated payment data recorded in the secure element; Checking whether the newly calculated cumulative payment data generation number exceeds a preset number, or (ii) checking whether the cumulative payment data generation number recorded in the secure element corresponds to the preset number; And
  • step (b) as a result of the confirmation, the newly calculated cumulative payment data generation number exceeds the preset number, or the cumulative payment data generation number recorded in the secure element is equal to the preset number of times. If it is determined to correspond, set the state of the card-type device with the multi-function to the transaction counter exceeded state (CE) and store it in the memory and indicate that synchronization with the server is required through the display unit. It can be characterized by.
  • the secure element when the payment data is generated based on track information of the first card stored in the secure element corresponding to the first card identification information, the secure element
  • the method may include updating the cumulative payment data generation number recorded in FIG. 6 with the newly calculated cumulative payment data generation number or recording the cumulative payment data generation number recorded in the secure element.
  • the display unit may indicate that synchronization with the server is required through the display unit.
  • the payment service available status is registered in the memory of the card-type device having the multi-function in the memory. ) And display a status message.
  • the multi-function card-type device is initially registered with a server, setting the state of the multi-function card-type device to a payment service available state (registered: RD) and storing in the memory. It can be characterized.
  • the multi-function card-type device is set to a payment service available state (registered: RD), it may be characterized in that the state no longer transitions to a not registered state (NR).
  • RD payment service available state
  • NR not registered state
  • the state of the card-type device having the multi-function may be set as a locked state (LD).
  • the payment service may be changed to a registered service available state (registered: RD).
  • the step (b) may be any one of a plurality of card identification information previously stored in the memory. And displaying the second card identification information.
  • the method may further include changing or recording the information and setting the information.
  • the number information change request may be at least one of a request for initializing the number of accumulated payment data generations recorded in the secure element and the request for changing the preset number of times.
  • one or more control means when input by a user, a user input unit for transmitting an input signal to the controller;
  • a display unit for displaying card identification information or card type device state information having a multi-function transmitted from the control unit;
  • a secure element that stores card track information and authentication information corresponding to each of the one or more card identification information, and records the accumulated number of payment data generation;
  • a memory in which one or more card identification information, multi-function card type device status information, and authentication information are stored;
  • a payment unit generating payment data based on card track information stored in the secure element and performing card payment based on the generated payment data; (i) if a first user input is detected, control to display first card identification information, which is one of a plurality of card identification information previously stored in the memory, and (ii) after the first user input is terminated, If the second user input is not detected during the predetermined payment waiting time, the number of times of generating the accumulated payment data recorded on the secure element is increased to exceed the pre
  • the number of newly calculated cumulative payment data generation times is preset. The number of cumulative payment data generated that does not exceed or is recorded in the secure element If it is determined that does not correspond to the predetermined number of times, payment data is generated based on the track information of the first card stored in the secure element corresponding to the first card identification information so that card payment can be performed.
  • a control unit for controlling the control unit to be able to control the control unit;
  • a communication unit for communicating with a user terminal or an external server;
  • a card-type device having a multi-function is provided, including a charging unit for allowing the card-type device having a multi-function can be charged.
  • the payment card information stored in the card-type device having a multi-function is automatically selected according to whether the payment wait time is exceeded so that payment can be performed.
  • a card-type device payment service having a multi-function is provided based on the cumulative payment data generation count information based on the number of times set by the user, and the accumulated count of the billing data generation counts is preset.
  • the user is notified when the number of times of generating the accumulated payment data exceeds the preset number of times or the number of times of generating the accumulated payment data increases, so that the user can make a payment only for a specific number of transactions. Therefore, there is an effect that the automatic security setting according to the number of transactions can be made without performing separate security settings and security information input.
  • FIG. 1 is a diagram schematically illustrating a configuration of a card payment support system of a card-type device having a multi-function according to an embodiment of the present invention.
  • FIG. 2 is a block diagram showing the configuration of a card-type device having a multi-function according to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating a process of supporting a card payment by a card-type device having a multi-function according to an embodiment of the present invention.
  • FIG. 4 is a flowchart illustrating a card payment process supported through a card-type device having a multi-function when a user input is detected within a preset payment waiting time according to an embodiment of the present invention.
  • FIG. 5 is a flowchart illustrating a card payment process supported through a card-type device having a multi-function in the case of a transaction counter exceeded condition (CE) according to an embodiment of the present invention.
  • CE transaction counter exceeded condition
  • FIG. 6 is a flowchart illustrating a card payment support process of a card-type device having a multi-function such that the number information can be changed or a card-type device state information having a multi-function can be changed through an authentication procedure according to an embodiment of the present invention. .
  • FIG. 7 is a diagram schematically illustrating a state information change circulation structure of a card-type device having a multi-function according to an embodiment of the present invention.
  • the multi-function card-type device status information may include a transaction counter exceeded status (CE), a payment service available status (registered: RD), a non-registered status (not registered: NR), and a locked status. It may be one of (locked: LD) and terminated (TE).
  • CE transaction counter exceeded status
  • RD payment service available status
  • NR non-registered status
  • TE terminated
  • the transaction counter exceeded status is a cumulative increase in the number of times of generating the accumulated payment data recorded in the secure element of a multi-function card-type device. It may mean that the user cannot use the payment service as it is determined that the predetermined number of times exceeds or the number of generations of accumulated payment data recorded in the secure element corresponds to the preset number, and the multi-function
  • payment service availability status registered: RD
  • locked state locked: LD
  • terminated state terminated state
  • the payment service available status may mean a state in which a multi-function card-type device is registered in a server, and the accumulated payment recorded in a secure element in the multi-function card-type device. If the number of times of generating data is increased and the number of newly calculated cumulative payment data generations exceeds the preset number, or if the number of generations of cumulative payment data recorded on the secure element corresponds to the preset number of times, the server It can be changed to the status information of the transaction counter exceeded status (CE) without a separate communication with. In addition, through the authentication process between the communication unit and the user terminal in the card-type device having a multi-function can be changed to the state information of any one of the locked state (LD), terminated (TE).
  • LD locked state
  • TE terminated
  • the not registered state may mean a state in which a multi-function card-type device is not registered in the server, and is paid through an authentication process between a communication unit and a user terminal in the multi-function card-type device. It may be changed to state information of a service available state (registered: RD).
  • a locked state may mean a locked state so that a card-type device having a multi-function cannot be used.
  • the payment service is provided through an authentication process between a communication unit and a user terminal in the card-type device having a multi-function. It may be changed to state information of a available state (registered: RD).
  • a terminated state may mean a state in which a multi-function card-type device can no longer be used.
  • FIG. 1 is a diagram schematically illustrating a configuration of a card payment support system of a card-type device having a multi-function according to an embodiment of the present invention.
  • a card payment support system for a card-type device having a multi-function includes a card-type device 100, a server 200, and a user terminal 300 having a multi-function. Include.
  • the server 200 and the user terminal 300 as well as the card-type device 100 and the server 200 having a multi-function may be connected to a communication network, respectively, where the communication network is a communication such as wired or wireless. It can be configured without regard to the aspect.
  • Local area network LAN
  • metropolitan area network MAN: Metropolitan Area Network
  • WAN wide area network
  • the card-type device 100 having a multi-function may match and store card identification information and card track information, which may be registered by a user.
  • the card-type device 100 having the multi-function may display first card identification information, which is one of a plurality of card identification information previously stored in the memory.
  • the card-type device 100 having a multi-function may include a secure element when the second user input is not detected within a predetermined payment waiting time after the first user input is terminated with respect to the card identification information being displayed.
  • the cumulative payment data generation count of the multi-function card-type device 100 recorded in the secure element is increased to confirm whether the newly calculated cumulative payment data generation count exceeds a preset number, or a secure element. It may be determined whether the number of generation of accumulated payment data recorded in the correspondence with a preset number of times.
  • the secure element may generally be an IC chip included in a card type device.
  • the card-type device 100 having a multi-function has a second user input within a predetermined payment waiting time after the first user input is terminated with respect to the card identification information being displayed. If this is detected, the second card identification information, which is another one of the plurality of card identification information previously stored in the memory, may be displayed.
  • the card-type device 100 having a multi-function is determined to increase the number of times of generating the accumulated payment data recorded in the secure element so that the newly calculated cumulative payment data generation number exceeds the preset number of times,
  • the transaction counter exceeded status (CE) is stored in the memory and displayed on the display unit.
  • the multi-function card-type device 100 synchronizes with the server to release the transaction counter exceeded status (CE) The user may be notified by further displaying a screen indicating that is needed.
  • the card-type device 100 having a multi-function increases the number of cumulative payment data generations recorded in the secure element so that the newly calculated cumulative payment data generation number does not exceed the preset number. If it is determined that the cumulative payment data generation number recorded in the secure element does not correspond to the preset number, the track of the first card stored in the secure element corresponding to the first card identification information Card payment may be performed by generating payment data based on the information.
  • the card-type device 100 having a multi-function When the card-type device 100 having a multi-function generates payment data based on track information of a first card stored in a secure element corresponding to the first card identification information, the card-type device 100 may store a secure element in the secure element.
  • the recorded cumulative payment data generation number may be updated and recorded with a newly calculated cumulative payment data generation number, or the cumulative payment data generation number recorded in the secure element may be increased and recorded.
  • the card-type device 100 having the multi-function may notify the user by displaying status information.
  • the card type device 100 having a multi-function includes a server 200 through the display unit when the number of newly generated accumulated payment data generated in the secure element corresponds to a preset number. ) May indicate that synchronization is required.
  • the multi-function card-type device 100 may execute the multi-function on the memory when the number of newly generated accumulated payment data generated in the secure element does not correspond to the preset number.
  • the state of the card-type device 100 may be maintained as a payment service available state (RD), and a status message may be displayed.
  • RD payment service available state
  • the card-type device 100 having a multi-function when the card-type device 100 having a multi-function is first registered in the server 200 to the card-type device 100 having a multi-function, the card-type device 100 having a multi-function ) Can be set as a payment service available state (registered: RD), stored in memory, and the corresponding status message can be displayed.
  • RD payment service available state
  • the card-type device 100 having a multi-function is no longer registered when the card-type device 100 having the multi-function is set to a registered service available state (RD). As the status is not switched to (not registered: NR), you may no longer display the not registered (NR) message.
  • RD registered service available state
  • the card-type device having a multi-function (100) is a card-type device having a multi-function (if the user's input is set in advance in the locked (LD) setting is detected) 100) can be set to the locked state (LD) to display the corresponding status message.
  • the card-type device 100 having a multi-function may be changed to a payment service available state (registered: RD) only when authentication is normally completed in a locked state (locked: LD). Accordingly, when authentication is completed, a message of a payment service available state (registered: RD) may be displayed.
  • a payment service available state registered: RD
  • locked: LD locked state
  • the number information change request including the encrypted authentication information is decrypted, and the received authentication information is decrypted to decrypt the decrypted authentication information and the secure element.
  • the received number information change request may be a request for initializing a cumulative payment data generation number recorded in a secure element or a request for changing a preset number of times.
  • the decrypted authentication information and the authentication information previously stored in the secure element correspond to each other, information about the number of times recorded or set in the secure element is recorded. It can be recorded or set by changing the number of times requested for change.
  • the card-type device 100 When the multi-function card-type device 100 receives a multi-function card-type device state information change request including encrypted authentication information from the user terminal 300, the card-type device 100 decrypts the received authentication information and decrypts the decrypted authentication. By determining whether the information corresponds to the authentication information prestored in the memory, it is possible to change the card-type device state information having the requested multi-function according to the determination result.
  • the card type device state information having a multi-function stored in the memory may be changed and stored.
  • the server 200 may be a network server that transmits information transmission between the card-type device 100 having a multi-function and the user terminal 300, and may be configured to transmit a request for authentication information received from the user terminal 300. Accordingly, the server may be a security authentication related server that encrypts and provides authentication information.
  • the server 200 When the server 200 receives a request for changing the number of times including the encrypted authentication information from the user terminal 300 or a request for changing the card type device state information having the multi-function, the server 200 changes the number of times including the received encrypted authentication information.
  • the request or change request for card type device state information having a multi function may be transmitted to the card type device 100 having a multi function.
  • the server 200 may transmit a result of changing the number of times of information received from the card-type device 100 having a multi function or a result of changing card type device state information having a multi-function to the user terminal 300.
  • the server 200 may encrypt the authentication information and provide the authentication information to the user terminal 300. .
  • the user terminal 300 includes all kinds of handheld based wireless communication devices equipped with a touch screen panel such as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, and the like. In addition, it can also include devices with the foundation to install and run applications, such as desktop PCs, tablet PCs, laptop PCs, and IPTV with set-top boxes.
  • a touch screen panel such as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, and the like.
  • PDA personal digital assistant
  • PMP portable multimedia player
  • tablet PC tablet PC
  • IPTV IPTV
  • the user terminal 300 may install and store an application for providing a card payment service using the card-type device 100 having a multi-function in a memory. For example, the user terminal 300 requests the number information change request service, the encrypted authentication information transmission service, the wireless communication interworking service with the card-type device 100 having a multi-function, and the card-type device state information change request with the multi-function.
  • An application that provides a payment service using a card-type device 100 having a multi-function that provides various services such as a service may be downloaded and installed.
  • the user terminal 300 may request to transmit the authentication information to the server 200, and may receive encrypted authentication information for performing an authentication procedure through the card-type device 100 having a multi-function.
  • the encrypted authentication information is transmitted to the multi-function card-type device 100 through wireless communication, thereby authenticating. According to the procedure, the count information can be changed.
  • the card type device having a multi function through wireless communication is encrypted authentication information ( 100), the transaction count information can be changed according to the authentication procedure.
  • the card-type device state information with the multi-function number information or the multi-function card type device is changed. Can be received.
  • FIG. 2 is a block diagram showing the configuration of a card-type device 100 having a multi-function according to an embodiment of the present invention.
  • a card-type device 100 having a multi-function may include a user input unit 110, a display unit 120, a memory 130, and a secure element 140. ), A controller 150, a payment unit 160, a communication unit 170, and a charging unit 180.
  • the user input unit 110 may be composed of one or more control means, and when input by the user, may transmit an input signal to the controller 150.
  • the display unit 120 may display card identification information or card type device state information having a multi-function transmitted from the controller 150.
  • the display 120 identifies one of the plurality of card identification information stored in the memory 130 through the controller 150.
  • the information may be displayed, thereby allowing the user to select card identification information to be paid.
  • the display unit 120 may display card type device state information having a multi-function stored in the memory 130 through the controller 150.
  • the second user input is not detected within the payment waiting time, so that payment is performed with the card identification information being displayed. If the display 120 is matched with the card identification information being displayed, the payment related information generated based on the card track information stored in the secure element 140 is transmitted through the controller 150. By receiving and displaying, payment can be performed through the display screen.
  • the display information related to payment may be any one of a barcode, a QR code, a card number, and valid period information.
  • the memory 130 may store card identification information, card type device status information having a multi-function, and the like, for example, an image of a credit card, a name of a credit card, and a lock of the card type device 100 having a multi-function.
  • the state, the state that the payment service unavailable due to the cumulative transaction number exceeded may be stored, but is not limited thereto.
  • the memory 130 may receive a request for card identification information from the controller 150, and control the first card identification information, which is any one of a plurality of card identification information, stored in advance.
  • the first card identification information may be provided through the display unit 120.
  • the memory 130 confirms that the cumulative payment data generation number of which the number is added to the cumulative payment data generation number of the multi-function card-type device 100 in the secure element 140 exceeds the preset number of times. Or, if it is determined that the cumulative payment data generation number corresponds to a preset number, the transaction number exceeded state (CE) of the card-type device 100 having a multi-function may be stored, and accordingly, the multi-function The card-type device state information with the service may be set to a payment service unavailable state and stored.
  • CE transaction number exceeded state
  • the memory 130 When the memory 130 receives a card identification information request from the controller 150 while a transaction counter exceeded state (CE) is stored, the memory 130 exceeds a transaction counter limit state (transaction counter exceeded state). By transmitting CE), the payment service using the card-type device 100 having a multi-function can no longer be used.
  • CE transaction counter exceeded state
  • the memory 130 may register a payment service available state of the card-type device 100 having a multi-function when the accumulated payment data generation number newly recorded in the secure element does not correspond to the preset number. Can be stored.
  • the memory 130 may set and store the card-type device state information having the multi-function as a payment service available state (registered: RD). have.
  • the memory 130 is no longer registered if the card-type device state information having a multi-function is set and stored in a registered service available state (RD). ) Cannot be set and saved.
  • RD registered service available state
  • the memory 130 sets the card type device state information having a multi-function to the locked state (LD) when a user input preset in the locked state (LD) is detected by the controller 150. Can be stored.
  • the memory 130 changes state information to a payment service available state (RD) only when a multi-function card-type device authentication is performed in a locked state (LD). Can be performed.
  • RD payment service available state
  • LD locked state
  • the memory 130 may transmit the stored card-type device status information with the multi-function to the controller 150 when the request for the card-type device status with the multi-function is received from the controller 150. have.
  • the memory 130 decrypts the encrypted authentication information when the request for changing the card type device state information having a multi function including the encrypted authentication information is transmitted from the communication unit 170 through the control unit 150, and decrypts the decrypted authentication information. Compares the stored authentication information with the previously stored authentication information, and if it is determined that the decrypted authentication information and the previously stored authentication information correspond to each other, by changing and storing the card-type device state information having the requested multi-function, The authentication procedure allows the multi-function card-type device to be changed arbitrarily. As the memory 130 changes and stores card type device state information having a multi function, the memory 130 may transfer the changed card type device state information to the communication unit 170 through the control unit 150.
  • the card-type device 100 having the multi-function is currently set to the payment service using state, and the card-type device having the multi-function including the authentication information encrypted from the communication unit 170 through the control unit 150.
  • the memory 130 decrypts the encrypted authentication information, compares the decrypted authentication information with previously stored authentication information, and the decrypted authentication information and the previously stored authentication information correspond to each other. If it is determined that the card type device 100 having the multi-function may be changed to a locked state.
  • the memory 130 may transmit the card type device state information having the multi-function changed to the locked state to the communication unit 170 through the control unit 150.
  • the secure element 140 may store card track information matched with card identification information stored in the memory 130, and generate the accumulated payment data of the card-type device 100 having a multi-function. May be recorded, and the number of times preset by the user may be set. For example, a credit card number, an expiration date, a password, a bar code or a QR code for payment processing corresponding to the credit card number may be stored, and may be in the form of an IC chip, but is not limited thereto.
  • the secure element 140 When the payment request is transmitted from the controller 150, the secure element 140 increases the number of times the generated cumulative payment data is generated, and the number of newly calculated cumulative payment data generations exceeds a preset number. It may be determined whether the number of times of generating the accumulated cumulative payment data does not correspond to a preset number of times.
  • the cumulative payment data generation count may be updated and rewritten according to the accumulated number of accumulated payment data generation times, and the requested payment processing from the controller 150 may be rewritten.
  • the card track information corresponding to the card identification information included in the payment request may be transmitted to the payment unit 160 or the display unit 120 through the control unit 150.
  • the secure element is in the form of an IC chip.
  • the IC chip adds a number of times to three times of the accumulated three times of accumulated payment data generation, and the newly calculated four times of the cumulative payment data generation are set in advance. It is determined that the number of times of generating the accumulated three times of settlement data does not correspond to five times, which is a preset number of times.
  • the payment barcode information for A By transmitting the payment barcode information for A to the display unit 120 through the control unit 150, the payment is performed as the payment information is displayed, or the credit for the credit card A previously stored in correspondence with the credit card A. Payment may be performed by transmitting the card A track information to the payment unit 160 through the controller 150.
  • the secure element 140 determines that the number of newly generated cumulative payment generations exceeds the preset number of times by adding a number to the number of recorded cumulative payment data generations. Or when it is determined that the number of recorded cumulative payment data generations corresponds to a preset number, a transaction counter exceeded status CE is transmitted to the controller 150 to the memory 130. Transaction counter exceeded status (CE) can be stored.
  • the secure element 140 When the secure element 140 generates payment data based on the track information of the first card corresponding to the first card identification information, the secure element 140 generates the newly calculated cumulative payment data generation count. It can be recorded by updating to or recording the cumulative billing data generation times recorded. If the newly recorded cumulative billing data generation times correspond to a preset number of times, the display unit 120 is controlled by the control unit 150. It may be displayed that the synchronization with the server 200 is required.
  • the recorded cumulative billing data generation count is recorded four times, and the number of preset billing data generation times is set five times, the recorded cumulative billing data generation count is recorded four times.
  • the secure element 140 may increase and record the recorded number of generations of the accumulated payment data four times to five times.
  • the payment is completed and the secure element 140 displays that the display 120 needs to be synchronized with the server 200 through the control unit 150. You can do that.
  • the secure element 140 decrypts the encrypted authentication information when the number of time information change request including the encrypted authentication information is transmitted from the communication unit 170 through the control unit 150, and decrypts the encrypted authentication information in advance. Compared to the stored authentication information, if it is determined that the decrypted authentication information and the previously stored authentication information correspond to each other, the card having a multi-function function through the authentication procedure of the user by changing and storing the received information of the number of requests.
  • the number information for the type device 100 may be arbitrarily changed or managed.
  • the secure element 140 may transfer the changed number information to the communication unit 170 through the controller 150 as the number of times of the card type device 100 having the multi-function is changed and recorded or set. .
  • the transaction number change request may be a recorded cumulative payment data generation number initialization request or a preset number change request.
  • the card type device 100 having a multi-function secure element which is an IC chip
  • a multi-function secure element which is an IC chip
  • the IC chip decrypts the encrypted authentication information, which is stored in advance with the decrypted authentication information.
  • the IC chip may transmit the result of the change in the number of times of limiting the cumulative payment data generation that is modified seven times to the communication unit 170 through the controller 150.
  • the payment unit 160 When the card track information is transmitted from the secure element 140 through the control unit 150, the payment unit 160 generates payment data based on the transferred card track information and based on the generated payment data. Payment can be made.
  • the payment unit 160 when the card track information is transmitted from the secure element 140 through the control unit 150, the payment unit 160 generates payment data based on the transferred card track information, and generates the generated payment data. May be transmitted to the communication unit 170 through the control unit 150, so that payment may be performed based on payment data through a non-contact method such as transmission and reception of information with a payment terminal through short-range wireless communication.
  • the payment unit 160 is a card type having a multi-function payment information generated based on the card track information transmitted from the secure element 140 through the control unit 150. As it is recognized as a contact method such as a scratch method of the device 100, it may be transmitted to the payment terminal.
  • the payment unit 160 transmits the card track information transmitted from the secure element 140 through the control unit 150 to the display unit 120 through the control unit 150. As a result, payment information is exposed through the display unit 120, so that payment using a contactless method may be performed.
  • the payment unit 160 may expose the payment information in the form of a barcode through the display 120, so that payment processing may be performed as the payment terminal recognizes the displayed barcode.
  • the controller 150 may request card identification information from the memory 130 when the first user input is detected.
  • the controller 150 may receive first card identification information, which is any one of a plurality of card identification information stored in advance, from the memory 130, and transfer the received first card identification information to the display 120.
  • the first card identification information may be controlled to be displayed through the display unit 120.
  • the controller 150 secure element 140. By transmitting a payment request for the first card identification information displayed on the), it is possible to control the secure element 140 to check the cumulative payment data generation count for the card-type device 100 having a multi-function. Can be.
  • the controller 150 when the first user input is detected, the controller 150 receives an input signal for the second user input from the user input unit 110 within a predetermined payment waiting time.
  • the card 130 may request the card identification information to the memory 130, and receives the second card identification information, which is another one of the plurality of card identification information stored in advance, from the memory 130 and displays the received second card identification information.
  • the second card identification information By transmitting to the unit 120, the second card identification information may be controlled to be displayed through the display unit 120.
  • the controller 150 may be added to the number of cumulative payment data generations recorded in the secure element 140 to confirm that the newly calculated cumulative payment data generation number does not exceed the preset number. If it is determined that the number of cumulative payment data generations recorded in the secure element 140 does not correspond to the preset number, the secure element is matched with the displayed first card identification information. Track information of the first card stored in the 140 may be received, and the track information of the first card is transferred to the payment unit 160, and as payment data is generated through the payment unit 160. The payment can be controlled to be performed.
  • the controller 150 may add a number of times to the cumulative payment data generation number recorded in the secure element 140 to newly set the cumulative payment data generation count. If it is confirmed that the number of times is exceeded, or if the cumulative payment data generation number recorded in the secure element 140 is found to correspond to a preset number, the secure element 140 is received from the secure element 140.
  • Transaction counter exceeded (CE) information can be delivered, and the payment service unavailable status of the card-type device 100 having a multi-function according to the transaction counter exceeded (CE) I can receive it.
  • the controller 150 transmits a transaction counter exceeded state (CE) received from the secure element 140 to the memory 130 to transmit a transaction counter exceeded state (CE). May be controlled to be stored in the memory 130.
  • the controller 150 transmits a transaction counter exceeded state (CE) to the display unit 120 to notify the user of the unavailability of the payment service using the card-type device 100 having a multi-function. Can be lost.
  • the control unit 150 is a state in which a transaction counter exceed (CE) is stored in the memory 130, when an input signal is transmitted from the user input unit 110,
  • a transaction counter exceeded condition (CE) stored from the memory 130 is transmitted, the card is transmitted to the display unit 120 so that further payment is made.
  • a transaction counter exceeded status (CE) may be displayed.
  • the controller 150 may request the state information for the card-type device 100 having a multi-function to the memory 130. If the state information on the card-type device 100 having the multi-function requested from the memory 130 is transferred, the state information of the card-type device 100 having the multi-function delivered to the display unit 120 may be transmitted. It may be controlled to display the status information on the card-type device 100 having the current multi-function.
  • the control unit 150 transmits the request to the secure element 140 to secure the element.
  • step (140) it is possible to control the number information change through the authentication information verification procedure.
  • the controller 150 may transmit the result of the change of the number information transmitted as the change of the number information in the secure element 140 to the communication unit 170.
  • the controller 150 transmits a card-type device state information change request having a multi-function including authentication information encrypted from the user terminal 300 through the communication unit 170 through wireless communication. If so, it may be transmitted to the memory 130 so that the memory 130 may change card type device state information having a multi-function through the authentication information verification procedure. In addition, the controller 150 may transmit, to the communication unit 170, the result of changing the card-type device state information with multi-functions transmitted as the change of the card-type device state information with the multi-functions in the memory 130 is completed.
  • the communicator 170 may perform information transmission / reception through short-range wireless communication with the user terminal 300 or may perform information transmission / reception with the user terminal 300 through wireless communication with the server 200.
  • the communication unit 170 when the communication unit 170 receives a request for changing the number of times including the encrypted authentication information from the user terminal 300 through wireless communication with the user terminal 300 or the external server 200.
  • the request information change request including the received encrypted authentication information may be transmitted to the controller 150.
  • the communication unit 170 may receive a result of changing the transaction number information transmitted through the control unit 150.
  • the communication unit 170 is a card-type device having a multi-function including the authentication information encrypted from the user terminal 300 through wireless communication with the user terminal 300 or the external server 200
  • the card type device state information change request having a multi-function including the received encrypted authentication information may be transmitted to the controller 150.
  • the communication unit 170 changes the card type device state information having a multi function in the memory 130 is completed, the communication result of the card type device state information having a multi function transferred through the control unit 150 may be delivered. have.
  • the charging unit 180 may be connected to a separate charging device in a contact or non-contact manner to charge the card-type device 100 having a multi-function.
  • FIG. 3 is a flowchart illustrating a process of supporting a card payment by a card-type device 100 having a multi-function according to an embodiment of the present invention.
  • the user input unit 110 may transmit an input signal to the controller 150 (S302).
  • the controller 150 may transmit a card identification information request to the memory 130 as the first user input is detected (S303).
  • the memory 130 may transmit the first card identification information, which is one of a plurality of card identification information stored in advance, by the request of the controller 150 to the controller 150 (S304), and the controller 150 may store the memory.
  • the first card identification information may be displayed on the display unit 120 of the card-type device 100 having a multi-function ( S305).
  • the controller 150 displays the display 120.
  • the payment request for the first card identification information being displayed through the secure element 140 may be transferred to the secure element 140 (S306).
  • the card-type device 100 having a multi-function is automatically selected as the credit card A payment card, and proceeds to the payment process for the credit card A.
  • the secure element 140 receiving the payment request from the controller 150 checks the number of accumulated payment data generations of the card-type device 100 having the multi-function recorded, and generates the recorded payment data. It may be determined whether the cumulative payment data generation number increased by the number of times does not exceed the preset number or whether the recorded cumulative payment data generation number does not correspond to the preset number (S307). ).
  • the cumulative billing data generation count By checking the cumulative billing data generation count, it is determined that the cumulative billing data generation count, which is increased to the number of recorded billing bill data generation times, does not exceed the preset number of times, or the recorded cumulative billing data generation count is preset. If it is determined that the number of times does not correspond to the set number of times, the number of transactions may be added once to the recorded number of generations of accumulated settlement data to be updated and rewritten (S308).
  • the controller When the payment request is transmitted from 150, the secure element 140 may update the three times the accumulated payment data generation times to four times and rewrite the payment request.
  • the secure element 140 may transmit the first card track information corresponding to the first card identification information included in the payment request transmitted from the controller 150 to the controller 150 (S309).
  • the controller 150 receiving the first card track information may transmit the first card track information on the first card identification information to the payment unit 160 so that the payment on the first card identification information may be performed. (S310).
  • the payment related information on the first card identification information transmitted to the controller 150 may be transferred to the display 120 to perform payment through a contactless method.
  • the payment unit 160 that receives the first card track information from the controller 150 may generate payment data based on the first card track information (S311) and perform payment based on the generated payment data (S311). S312).
  • the secure element 140 when the payment is completed as the payment data is generated in the payment unit 160, the secure element 140 newly increases the number of times the generated cumulative payment data is generated. If it is determined that the number of cumulative payment data generations calculated by updating corresponds to a preset number, the controller 150 transmits the synchronization with the server 200 to the controller 150 immediately after it is determined, and the controller 150 displays the display 120. By transmitting this, it may be displayed that synchronization with the server 200 is required through the display 120.
  • FIG. 4 is a flowchart illustrating a card payment process supported through a card-type device 100 having a multi-function when a user input is detected within a preset payment waiting time according to an embodiment of the present invention.
  • the card type device having the multi-function first card identification information, which is one of a plurality of card identification information stored in advance in the memory 130, Until the step of being displayed on the display unit 120 of 100 (S405), the same as in Figure 3 will be omitted.
  • a second user input is made in the user input unit 110 by the user within a preset payment waiting time (S406), and an input for the second user input from the user input unit 110 is performed.
  • the controller 150 may transmit a card identification information request to the memory 130 (S408).
  • the memory 130 that has received the card identification information request may transmit the second card identification information, which is another one of the plurality of card identification information stored in advance, to the controller 150 (S409), and the controller 150 may store the memory 130.
  • the second card identification information may be displayed on the display unit 120 of the card-type device 100 having a multi-function (S410).
  • the credit card A transmitted from the memory 130 is being displayed through the display unit 120 and the preset payment waiting time is 10 seconds, 8 seconds after the first user input is terminated. If the second user input is detected later through the user input unit 110, the credit card B may be displayed on the display unit 120 in the card-type device 100 having the multi-function.
  • FIG. 5 is a flowchart illustrating a card payment process supported through a card-type device 100 having a multi-function in the case of a transaction counter exceeded state (CE) according to an embodiment of the present invention.
  • CE transaction counter exceeded state
  • the cumulative payment data generation count of the card-type device 100 having a multi-function in which the secure element 140 is recorded is determined. As the number of times of generating the accumulated billing data is increased, it is determined whether the newly calculated cumulative billing data generation count exceeds the preset number or the number of recorded cumulative billing data generation is preset. Until the step of determining whether or not to correspond to the set number of times (S507), the same as in Figure 3 will be omitted.
  • the secure element 140 may transmit a transaction counter exceeded status (CE) to the controller 150 (S508). ).
  • the control unit 150 that receives the transaction counter exceeded status (CE) from the secure element 140 transmits the transaction counter exceeded status (CE) to the memory 130.
  • the transaction counter exceeding state CE may be stored in the memory 130 (S510), and the transaction counter exceeding state CE may be stored in the display unit 120.
  • the user may be able to recognize a state in which the payment service is unavailable using the card-type device 100 having a multi-function according to a transaction counter limit (CE) state (S511).
  • the limit of the number of transactions of the card-type device 100 having a multi-function is exceeded, so that the payment service using the card-type device 100 having the multi-function is not available, and the second user input is input from the user input unit 110.
  • the controller 150 sends a request for card identification information to the memory 130.
  • the memory 130 transmits the stored transaction counter exceeded status CE to the controller 150 so that no further payment processing is performed. can do.
  • control unit 150 transmits a transaction counter exceeded state (CE) to the display unit 120 once again, thereby allowing the user to multi-function according to the transaction counter exceeded state (CE).
  • CE transaction counter exceeded state
  • the payment service using the card-type device 100 may be recognized (S516).
  • the controller 150 When the payment request is received from the secure element 140, the secure element 140 may transmit a transaction counter exceeded status (CE) to the control unit 150. Accordingly, the secure element 140 may transmit the transaction counter exceeded CE to the display unit 120.
  • the payment service unavailable state using the card-type device 100 having a multi-function according to the transaction number limit may be displayed and provided to the user.
  • the memory 130 stores a transaction counter exceeded status CE transmitted from the controller 150, and thus the user input unit 110 may be stored after the transaction counter exceeded status CE is stored.
  • the control unit 150 immediately transmits the stored transaction number exceeded state, the transaction counter exceeded state (transaction counter exceed: CE) is displayed on the display unit ( 120 may be displayed.
  • the controller 150 uses the payment service without referring to the secure element 140. The user may be informed that the state is unavailable.
  • CE transaction counter exceeded information
  • FIG. 6 is a diagram illustrating a card payment support process of a card-type device 100 having a multi-function for enabling the change of the count information or the state of the card-type device having the multi-function through the authentication procedure according to an embodiment of the present invention.
  • card type device state information having a current multi-function may be displayed due to a user input at the user input unit 110.
  • the user input unit 110 may transmit an input signal to the controller 150 (S602a).
  • the controller 150 may request card type device state information having a multi function from the memory 130 (S603a), and the memory 130 may transmit a multi function currently stored to the controller 150.
  • the card type device state information can be transmitted.
  • the controller 150 transmits the card-type device state information having the multi-function received from the memory 130 to the display unit 120, so that the state of the card-type device having the multi-function currently is set. Can be displayed.
  • the payment service availability state is stored in the memory 130
  • the payment service availability state may be displayed through the display unit 120.
  • the multi-function card-type device lock state is stored in the memory 130
  • the multi-function card type device lock state is displayed on the display unit 120. Can be.
  • the controller 150 may multi-display the display 120.
  • the card-type device registration screen having a multi-function can be displayed by transferring a card-type device registration screen having a function.
  • the user may change the count information through wireless communication.
  • the communication unit 170 may perform wireless communication with the server 200 or the user terminal 300 (S601b).
  • the server 200 may be an authentication server, and may be a network server that connects information transmission and reception of the user terminal 300 and the card-type device 100 having a multi-function.
  • the wireless communication with the user terminal 300 may be short-range wireless communication, such as NFC, Bluetooth.
  • the communication unit 170 may receive a request for changing the encrypted authentication information and the number information from the user terminal 300 through wireless communication with the server 200 or the user terminal 300.
  • the encrypted authentication information received from the user terminal 300 may be authentication information issued to the user terminal 300 from a server related to security and authentication service at the request of the user terminal 300, and is encrypted. It may be authentication information issued in a state.
  • the encrypted authentication information may include user specific information.
  • the communication unit 170 may transmit the number information change request including the encrypted authentication information received from the user terminal 300 through the wireless communication to the secure element 140 through the control unit 150. There are (S602b, S603b).
  • the secure element 140 that has received a request for changing the number of times of information including the encrypted authentication information from the communication unit 170 decrypts the transmitted encrypted authentication information, and decrypts the decrypted authentication information and the previously stored authentication information.
  • a verification procedure may be performed to determine whether or not the correspondence with the.
  • the secure element ( 140 may change the requested number information from the user terminal 300 through wireless communication, and store the changed number information (S605b).
  • the communication unit 170 transmits to the secure element 140 through the control unit 150.
  • the request to initialize the accumulated number of payment data generation including the encrypted authentication information may be transmitted, and the secure element 140 decrypts the transmitted encrypted authentication information, and decrypts the decrypted authentication information and the previously stored authentication information.
  • the accumulated count data generation count may be initialized. That is, if the cumulative payment data generation number recorded five times, it may be deleted to rewrite the cumulative payment data generation number to zero.
  • the communication unit 170 to the secure element (140) through the control unit 150 The request for changing the preset cumulative payment data generation limit number including the encrypted authentication information may be transmitted.
  • the secure element 140 decrypts the transmitted encrypted authentication information, and is stored in advance with the decrypted authentication information.
  • the set number of times of limiting the generation of the cumulative payment data generated is the number of times that the user wants to change. I can correct it.
  • the secure element 140 may transmit the changed number of times information to the communication unit 170 through the control unit 150 (S606b and S607b).
  • the communication unit 170 that receives the result of the change of the number information from the secure element 140 through the control unit 150 changes the number of information through wireless communication according to the user's setting.
  • the result may be transmitted to the user terminal 300.
  • a user may change card type device state information having a multi-function through wireless communication.
  • the communication unit 170 may perform wireless communication with the server 200 or the user terminal 300 (S601c).
  • the server 200 may be an authentication server, and may be a network server that connects information transmission and reception of the user terminal 300 and the card-type device 100 having a multi-function.
  • the wireless communication with the user terminal 300 may be short-range wireless communication, such as NFC, Bluetooth.
  • the communication unit 170 may receive an encrypted authentication information and a card type device state information change request having a multi-function from the user terminal 300 through wireless communication with the server 200 or the user terminal 300.
  • the encrypted authentication information received from the user terminal 300 may be authentication information issued to the user terminal 300 from a server related to security and authentication service at the request of the user terminal 300, and is encrypted. It may be authentication information issued in a state.
  • the encrypted authentication information may include user specific information.
  • the communication unit 170 sends a request for changing the card type device state information having a multi-function including the encrypted authentication information received from the user terminal 300 through wireless communication to the memory 130 through the control unit 150. It can transmit (S602c, S603c).
  • the memory 130 which has received the multi-function card type device state information change request including the encrypted authentication information from the communication unit 170 decrypts the transmitted encrypted authentication information, which is stored in advance with the decrypted authentication information.
  • a verification procedure for determining whether to correspond with the authentication information may be performed (S604c).
  • the memory 130 may be connected to the user terminal through wireless communication.
  • the card-type device state information with the multi-function requested from 300 may be changed to store the card-type device state information with the changed multi-function (S605c).
  • the communication unit 170 is encrypted in the memory 130 through the control unit 150.
  • a card type device having a multi-function lock state setting request including authentication information may be transmitted, and the memory 130 decrypts the transmitted encrypted authentication information, and whether the decrypted authentication information and the previously stored authentication information correspond to each other. If it is determined that the decrypted authentication information and the pre-stored authentication information correspond to each other, the card-type device state information having a multi-function of a pre-stored or set payment service available state is requested. It is possible to change to the card-type device lock setting state with multi function.
  • the card-type device 100 having a multi-function can be locked by the authorized user's authority and the other person can not be used.
  • the card-type device state information with the multi-function set to the locked state the card-type device state with the multi-function may be changed to the payment service available state at the request of the user whose authentication is completed.
  • the memory 130 may transmit the changed card-like device state information to the communication unit 170 through the control unit 150 (S606c and S607c).
  • the communication unit 170 that receives the card type device state information change result having the multi-function from the memory 130 through the control unit 150 is multi-configured through wireless communication according to a user's setting.
  • the card type device state information change result having a function may be transmitted to the user terminal 300.
  • FIG. 7 is a diagram schematically illustrating a state information change circulation structure of a card-type device 100 having a multi-function according to an embodiment of the present invention.
  • the number of times of generating the accumulated payment data recorded by the secure element 140 in the card-type device 100 having a multi-function is increased so that the newly calculated cumulative payment data generating number exceeds a preset number of times. If the cumulative payment data generation number recorded in the secure element 140 is determined to correspond to a preset number, the card-type device 100 having a multi-function may have a transaction counter exceeded status (CE). May be).
  • CE transaction counter exceeded status
  • the card-type device 100 having a multi-function 100 is provided.
  • the state information of the card-type device 100 is changed from a locked state (LD) to a termination state (terminated: TE) (702), or terminated in a transaction counter exceeded state (CE).
  • TE can be changed (703).
  • the lock command or the end command may be received from the user terminal 300 to the controller 150 through the communication unit 170 under the control of the user.
  • the card-type having a multi-function may be changed from a locked state (LD) to a payment service available state (RD) (704).
  • RD payment service available state
  • the lock command is received from the controller 150, The state information of the card-type device 100 having a function may be changed from a payment service available state (registered: RD) to a locked state (LD) (705).
  • the lock command or the unlock command may be received from the user terminal 300 to the controller 150 through the communication unit 170 under the control of the user.
  • a payment service activation command is transmitted from the controller 150, and the state information of the card-type device 100 having the multi-function is not registered.
  • the setting may be changed to a registered service available state (RD) (706).
  • the payment service activation command may be generated and transmitted by itself as the card-type device 100 having a multi-function is first registered.
  • the card-type device 100 having a multi-function when the communication unit 170 and the user terminal 300 in the card-type device 100 having a multi-function is successfully authenticated, if a termination command is received from the controller 150, the card-type device having a multi-function
  • the state information of 100 may be changed from a payment service available state (registered: RD) to a terminated state (TE) (707).
  • the number of times the accumulated payment data generated by the secure element 140 in the card-type device 100 having a multi-function is increased in number so that the newly calculated cumulative payment data generation number exceeds a preset number of times. If it is determined that the cumulative payment data generation number recorded in the secure element 140 corresponds to the preset number, the payment service usage limit is transmitted from the control unit 150 when the transaction number exceeded status command is transmitted.
  • the card type device state information having a multi-function of a registered state (RD) may be set and changed to a transaction counter exceeded state (CE) (708). At this time, the transaction number limit exceeded state command may be generated by the secure element 140 and transmitted to the controller 150.
  • the multi-function As authentication of the communication unit 170 and the user terminal 300 in the card-type device 100 having a multi-function is successful, if the cumulative transaction data generation number initialization command is received from the control unit 150, the multi-function
  • the state information of the card-type device 100 having a may be set and changed from a transaction counter exceeded state (CE) to a payment service available state (registered: RD) (709).
  • the cumulative transaction data generation number initialization command may be received from the user terminal 300 to the controller 150 through the communication unit 170 under the control of the user.
  • the payment card information stored in the card-type device having a multi-function is automatically selected according to whether the payment wait time is exceeded so that payment can be performed.
  • the optimized card identification information inquiry and payment card selection are possible only by one input.
  • a card-type device payment service having a multi-function is provided based on the cumulative payment data generation count information based on the number of times set by the user, and the accumulated count of the billing data generation counts is preset.
  • the user is notified when the number of times of generating the accumulated payment data exceeds the preset number of times or the number of times of generating the accumulated payment data increases, so that the user can make a payment only for a specific number of transactions. Therefore, there is an effect that the automatic security setting according to the number of transactions can be made without performing separate security settings and security information input.

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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Selon un mode de réalisation de la présente invention, un procédé pour un dispositif de type carte qui a de multiples fonctions supportant un paiement par carte est proposé, le procédé comprenant les étapes consistant à : (a) afficher des premières informations d'identification de carte qui sont l'une quelconque d'une pluralité d'informations d'identification de carte qui sont préstockées dans une mémoire lorsqu'une première entrée d'utilisateur est détectée; (b) (i) augmenter le nombre de génération de données de paiement cumulatives qui est enregistré dans un élément sécurisé, et vérifier si un nombre nouvellement calculé de génération de données de paiement cumulatives dépasse un nombre prédéterminé, ou (ii) vérifier si le nombre de génération de données de paiement cumulatives qui est enregistré dans l'élément sécurisé correspond à un nombre prédéterminé si une seconde entrée d'utilisateur n'est pas détectée pendant un temps d'attente de paiement fixe prédéterminé après que la première entrée d'utilisateur a été achevée; et (c) à générer des données de paiement de manière à pouvoir effectuer un paiement par carte sur la base des premières informations de piste de carte qui sont stockées dans l'élément sécurisé et qui sont équivalentes aux premières informations d'identification de carte s'il est confirmé à partir des vérifications que le nombre nouvellement calculé de génération de données de paiement cumulatives ne dépasse pas le nombre prédéterminé, ou que le nombre de génération de données de paiement cumulatives qui est enregistré dans l'élément sécurisé ne correspond pas au nombre prédéterminé.
PCT/KR2017/004982 2016-06-20 2017-05-12 Procédé de support de paiement par carte pour dispositif de type carte ayant de multiples fonctions, et dispositif de type carte ayant de multiples fonctions qui les exécute Ceased WO2017222182A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR20160076800 2016-06-20
KR10-2016-0076800 2016-06-20
KR1020170033160A KR101752129B1 (ko) 2017-03-16 2017-03-16 멀티 기능을 가진 카드형 디바이스의 카드 결제 지원 방법 및 이를 수행하는 멀티 기능을 가진 카드형 디바이스
KR10-2017-0033160 2017-03-16

Publications (1)

Publication Number Publication Date
WO2017222182A1 true WO2017222182A1 (fr) 2017-12-28

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WO (1) WO2017222182A1 (fr)

Citations (5)

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KR20150123572A (ko) * 2014-04-25 2015-11-04 모지도코화이어코리아 유한회사 Cloud SE 기반의 클라우드-SE 시스템, 모바일 단말 및 그의 모바일 결제 방법
KR20150128073A (ko) * 2014-05-08 2015-11-18 주식회사 케이티 대표 카드를 이용하는 신용 카드 결제 장치, 신용 카드 결제 시스템 및 신용 카드 결제 방법
WO2015183590A1 (fr) * 2014-05-29 2015-12-03 Apple Inc. Appareils et procédés de fonctionnement d'un dispositif électronique portatif afin de mener à bien des opérations de paiement mobile
KR20160008444A (ko) * 2014-07-14 2016-01-22 브릴리언츠 주식회사 스마트멀티카드
KR20160023750A (ko) * 2016-02-12 2016-03-03 이도훈 보이스 코일을 이용하는 모바일 자기 데이터 전송 시스템 및 그 방법

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20150123572A (ko) * 2014-04-25 2015-11-04 모지도코화이어코리아 유한회사 Cloud SE 기반의 클라우드-SE 시스템, 모바일 단말 및 그의 모바일 결제 방법
KR20150128073A (ko) * 2014-05-08 2015-11-18 주식회사 케이티 대표 카드를 이용하는 신용 카드 결제 장치, 신용 카드 결제 시스템 및 신용 카드 결제 방법
WO2015183590A1 (fr) * 2014-05-29 2015-12-03 Apple Inc. Appareils et procédés de fonctionnement d'un dispositif électronique portatif afin de mener à bien des opérations de paiement mobile
KR20160008444A (ko) * 2014-07-14 2016-01-22 브릴리언츠 주식회사 스마트멀티카드
KR20160023750A (ko) * 2016-02-12 2016-03-03 이도훈 보이스 코일을 이용하는 모바일 자기 데이터 전송 시스템 및 그 방법

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