KR20160008945A

KR20160008945A - Method for payment and saving by smart multi card and appilcation for smart multi card

Info

Publication number: KR20160008945A
Application number: KR1020140162781A
Authority: KR
Inventors: 배재훈; 배재호
Original assignee: 브릴리언츠 주식회사
Priority date: 2014-07-14
Filing date: 2014-11-20
Publication date: 2016-01-25
Also published as: KR20160083830A

Abstract

The present invention relates to a smart multi-card payment and accumulation service method and a smart multi-card application.
The method of payment and accumulation service of a smart multi-card according to an embodiment of the present invention includes the steps of (S100) loading stored card list information and displaying all or a part of the stored card list information on a display unit in order to perform a payment or accumulation service; A step (S110) of receiving a card from the user through the user input unit, the card being used for accumulation or payment in the card list; And loading the card information of the selected card and performing settlement or accumulation with the card information (S120).
According to the present invention, since payment and accumulation related data are all stored in one card through the payment and accumulation service method of the smart card according to the embodiment of the present invention, there is an effect that convenience of card holding can be improved . There is no need for the user to carry multiple cards, so the wallet is lighter.

Description

METHOD FOR PAYMENT AND SAVING BY SMART MULTI CARD AND APPARICTION FOR SMART MULTI CARD BACKGROUND OF THE INVENTION 1. Field of the Invention < RTI ID = 0.0 >

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a smart multi-card payment and accumulation service method and smart multi-card application, and more particularly to a smart multi- And a method for performing settlement or accumulation.

Since the industrialization of modern society, credit card called "plastic money" has been used for money as much as money after going through rapid information and credit.

As a result, the number of credit cards held by ordinary adults has also increased significantly, and the number of credit cards held by ordinary adults has increased frequently.

In addition, according to the activation of marketing, issuance of various point cards became an essential marketing item in most companies based on B2C, and now it is a common means to increase sales in small shops located in the alley.

As a result, it is a reality that dozens of cards have been issued by individuals without knowing them.

However, in most cases, unnecessary issuance costs are incurred, and it is also true that they are discarded and cause social costs.

Furthermore, point cards and discount cards at stores that are not frequently visited frequently are not available at the time of actual visit.

This phenomenon leads to the avoidance of card issuance due to troublesome and complicated card management from the viewpoint of the consumer and wastes and unreasonableness in all aspects of demand and supply which cause unnecessary marketing cost in the view of the enterprise.

In the case of credit cards, which are deemed to be relatively more efficient than actual point cards, the number of credit cards held by the credit card lender continued to increase after the credit card liquidity crisis, The number of credit cards per person is 4.9, and the total number of card issuance is about 121.23 million.

Meanwhile, the number of cards issued has been steadily increasing, but only 1.4 cards are actually used. As a result, most of the credit cards held by individuals become dormant cards, and more than 20 million (about 40 billion won) are being abandoned.

It would not be an exaggeration to say that if you include a variety of cards such as debit, check, cash, and prepaid cards or cards for marketing purposes such as point cards or discount cards, astronomical costs are wasted.

Smart multi-card payment and earning service method and smart multi-card method which can reduce the cost of producing unnecessary cards by storing a plurality of card information on one card and enable users to select and receive a card for easy use, Card applications.

A method of payment and accumulation service of a smart multi-card according to an embodiment of the present invention includes the steps of loading a stored card list information to display a part or all of the stored card list information on a display unit in order to perform a payment or accumulation service; Receiving a card from a user through the user input unit from the card list to perform an accumulation or settlement; And loading the card information of the selected card and performing settlement or accumulation with the card information.

In addition, the smart multi-card may receive a card issuance method from a user; And receiving the card information by completing issuance of the card according to the card issuing method.

The card issuing method includes a method of connecting to an external server using a wireless communication of a smart device and issuing the card, a method of issuing a card using a card issuer of a card issuance center, a bank or a credit card issuing store, And direct input to the smart multi-card.

The method of accessing and issuing an access to an external server using the wireless communication of the smart device comprises: authenticating the external server through the smart device and requesting issuance of the card; And receiving and storing card information acquired from the external server through the smart device by wireless communication to complete the card issuance.

Further, the customer authentication may be performed by checking whether or not the card is registered as a card user in a server of a card company, a bank, or an accumulation card issuing company.

The step of performing the accumulation may include displaying the card information on the display unit in the form of a bar code, a QR code, or a number.

The step of performing the accumulation may include receiving the accumulation information from the terminal through wireless communication after one of the barcode, the QR code, and the number displayed on the display unit is recognized by the terminal of the store; And outputting the received accumulation information to the display unit.

In addition, the step of performing the payment may include: a contact type payment method for contacting or inserting the smart multi card into the contact type payment terminal; a contactless type payment method for recognizing the smart multi card in the contactless type payment terminal; And a method in which the card stored in the device is loaded by the smart multi card and payment is made through the contact or non-contact payment terminal.

In addition, when the smart card is loaded by the smart multi card and the card stored in the smart device is paid through the contact or non-contact type payment terminal, the card information of the selected card is loaded and payment or accumulation The step of performing includes the steps of: requesting the smart device through the wireless communication with the card information of the selected card; Receiving the card information from the smart device and displaying the received card information on the display unit; Performing a payment request to the contact or non-contact payment terminal based on the card information; And receiving, by the smart multi-card, information received and accepted by the external server from the card terminal through the wireless communication of the smart device, and displaying the received information on the display unit.

Also, the step of receiving a card from the user through the user input unit to perform the accumulation or settlement in the card list may be characterized in that the display unit recognizes and executes the touch command of the user.

In addition, at least one of a card classification change, a card type change, a card selection, and a card selection can be performed according to a touch command input to the display unit.

The method may further include performing the smart multi-card registration to the smart device via wireless communication.

And stopping the operation when the predetermined distance from the registered smart device is exceeded.

The step of performing the smart card registration on the smart card through the wireless communication may include: searching the wireless card by the smart card that has executed the smart card application; Transmitting the user information to the smart device to perform user authentication; And requesting the smart card to register the smart card with the smart card when user authentication is completed.

The step of performing the smart card registration on the smart card through the wireless communication may include: searching the wireless card by the smart card that has executed the smart card application; Transmitting the unique identification information of the smart multi-card to the smart device; And when the smart device receives the unique identification information and the user information stored in the smart device to the server and then receives from the server storing the unique identification information and the user information correspondence, And performing the registration in the smart device by interworking with the smart device through the reception of the interlock request signal from the smart device.

According to another aspect of the present invention, there is provided a smart multi-card payment and accumulation service method comprising: receiving smart information from a smart multi-card through wireless communication; The smart multi-card searching for an earning card, a discount card, or a credit card corresponding to the store information; Displaying the searched card on a display unit; And loading the card information of the card and performing settlement or accumulation with the card information.

The method may further include receiving a card from the list of the searched users through the user input unit, when the searched card is at least one of the searched cards.

Performing smart card registration on the smart device through wireless communication; And receiving wireless card-specific card information from the smart device.

According to another aspect of the present invention, there is provided a smart multi-card payment and accumulation service method, comprising: receiving a smart card from a user; Receiving the wireless communication signal of the store and recognizing the store; Extracting usage card information set by the user and displaying the extracted usage card information on a display unit; And performing settlement or accumulation based on the card information.

In addition, the step of the smart multi-card setting a usage card for each store from a user includes: performing the smart multi-card registration to a smart device through wireless communication; And receiving the usage card setting for each store received from the user via the smart device by the smart multi card.

In addition, the step of the SmartMultiCard setting the usage card for each store from the user stores the wireless communication signal of the store and the usage card in correspondence with each other at the time of settlement in the specific store.

A smart multi-card application according to another embodiment of the present invention is combined with a smart multi-card which is hardware, executes the above-mentioned smart multi-card payment and accumulation service method, and is stored in the medium.

According to the present invention as described above, the following various effects are obtained.

First, the settlement and accumulation service method of the smart multi-card according to the embodiment of the present invention stores all settlement and accumulation-related data in one card, thereby improving the convenience of card possession. There is no need for the user to carry multiple cards, so the wallet is lighter.

Second, since the present invention provides a contact payment method, a contactless payment method, and a payment method using a smart device, a user can perform settlement by applying a method corresponding to a user's situation.

Third, the user can directly check the accumulated information through the smart multi-card without using the smart device, and the card stored in the smart device can be used. Thus, even if the user puts the smart device in the bag, It is possible to carry out accumulation or settlement using the service.

Fourth, because the compatibility with the smart device prevents the payment proceeding when the card is lost over a certain distance from the smart device, it can provide excellent effect in security of personal information or prevention of unauthorized payment in case of card theft or loss.

Fifth, the smart multi-card can automatically identify the store visited by the user through wireless communication signal recognition and guide the available cards in the store, so that the user can enjoy the card benefits or points earned at each store There is an effect that everyone can receive.

Sixth, there is an effect that a payment can be easily performed without a process of selecting a card at the time of payment at a store through a payment card or a point card set by a user in advance for each store. In addition, there is an effect that a user can set a usage card for each store or a time zone that a user regularly visits, so that the user can consume the credit card in a planned manner or according to the minimum usage amount.

Seventh, there is an effect that the smart multi-card is registered in the smart device, and data input is easy through the smart device. Thereby, it is possible to set a usage card for each store more easily than a user can input a usage card for each store by using the smart multi card.

Eighth, since only one card per user is required to be paid or accumulated through the smart multi-card, it is possible to reduce the production cost of many cards which are unnecessarily issued.

1 is an internal configuration diagram of a smart multi-card according to an embodiment of the present invention.
2 is an exemplary diagram of a smart multi-card appearance according to an embodiment of the present invention.
FIG. 3 is a flowchart of a payment and accumulation method using a smart multi-card according to an embodiment of the present invention.
4 is a connection diagram of a smart multi-card, a smart device, and an external server.
FIG. 5 is a flowchart of a method in which a smart multi-card according to an embodiment of the present invention performs a card search according to store information to perform settlement or accumulation.
FIG. 6 is a flowchart of a method for a smart multi-card according to an exemplary embodiment of the present invention to perform settlement or accumulation with a card determined according to a usage card setting for each store.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense commonly understood by one of ordinary skill in the art to which this invention belongs. Also, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. The terms " comprises "and / or" comprising "used in the specification do not exclude the presence or addition of one or more other elements in addition to the stated element.

The smart device 200 used in the present specification may be various terminal devices including a communication function of a smart phone, a smart watch, a tablet PC, a glass-type wearable device, a notebook PC, and the like.

1 is an internal configuration diagram of a smart multi-card 100 according to an embodiment of the present invention. 2 is an exemplary diagram of the appearance of a smart multi-card 100 according to an embodiment of the present invention. FIG. 3 is a flowchart of a payment and accumulation method using the smart multi-card 100 according to an embodiment of the present invention. 4 is a connection diagram of the smart multi-card 100, the smart device 200, and the external server 300. As shown in FIG. 5 is a flowchart of a method in which the smart multi-card 100 according to an embodiment of the present invention performs a card search according to store information to perform settlement or accumulation. 6 is a flowchart of a method in which the smart multi-card 100 according to an embodiment of the present invention performs settlement or accumulation with a card determined according to a usage card setting for each store.

1 to 6 show a smart multi-card 100, a control unit 110, a storage unit 120, a user input unit 130, a power supply unit 140, a display unit 150, a wireless communication unit 160, An external server 200, and an external server 300 are shown.

Hereinafter, a payment and accumulation service method and an application for the smart multi-card 100 according to embodiments of the present invention will be described with reference to the drawings.

1 is an internal configuration diagram of a smart multi-card 100 according to an embodiment of the present invention. 2 is an exemplary diagram of the appearance of a smart multi-card 100 according to an embodiment of the present invention.

1 and 2, a smart multi-card 100 according to an embodiment of the present invention includes a control unit 110; A storage unit 120; A user input unit 130; A power supply unit 140; A wireless communication unit 160; And a display unit 150;

The smart multi-card 100 corresponds to a card that can contain one or more pieces of card information in one card, unlike an existing card that contains only one card information in an IC (Integrated Circuit) chip in one card . That is, the smart multi-card 100 is a card capable of performing payment or point accumulation by loading one of the stored one or more pieces of card information.

The controller 110 typically controls the operations of the smart card 100 to control the overall operation of the smart card 100. For example, the controller 110 processes data input from the user input unit 130 and determines a command of the user. The control unit 110 performs information processing to transmit data to an external card terminal or the smart device 200 via wireless communication and transmits the received data to the card terminal or the smart device 200 via the wireless communication Data is stored in the storage unit 120 of the smart multi-card 100 or information is processed for display on the display unit 150. [

The user input unit 130 receives input data for controlling the operation of the smart card 100 and transmits the input data to the controller 110. The user input unit 130 may include a key pad, a keyboard, a dome switch, and a touch pad (static pressure / static electricity). Particularly, when the touch pad has a mutual layer structure with the display unit 150 described later, it can be called a touch screen.

The power supply unit 140 receives external power and internal power under the control of the controller 110 and supplies power required for operation of the respective components.

The wireless communication unit 160 performs a function of exchanging data with an external smart device 200 or a card terminal. For example, the wireless communication unit 160 may transmit data via wireless communication for payment, and may receive card information from the card terminal or the smart device 200 via wireless communication for issuing a card . The wireless communication unit 160 may include a wireless Internet module, a short distance communication module, and a GPS module.

The wireless Internet module refers to a module for wireless Internet access, and the wireless Internet module can be built in or externally mounted on the smart multi-card 100. Wireless Internet technologies include WLAN (Wi-Fi), Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access), LTE (Long Term Evolution-Advanced) or the like can be used.

The short-range communication module refers to a module for short-range communication. Beacon, Bluetooth, Radio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), ZigBee and the like can be used as a short distance communication technology.

The Bluetooth Low Energy (BLE) refers to a Bluetooth communication method in which the configuration of a conventional Bluetooth and a packet are different from each other, and communication can be performed more quickly by simplifying a connection procedure. The BLE is an improved protocol for faster and easier delivery of information read from simple sensors, and can be easily applied to articles used in everyday life. The BLE (Bluetooth 4.0) is capable of communicating with devices within approximately 5m to 70m of the device, and is low power with minimal impact on battery life, minimizing power waste and always turning on Bluetooth. The BLE module can receive the card information to be stored in the storage unit 120 or the control command of the smart card 100 from the smart device 200 through the BLE method.

Beacon transmits very small frequency signals around them using a protocol based on Bluetooth 4.0 (BLE-Bluetooth Low Energy). The beacon continuously informs the presence of a wireless network and transmits information by allowing a signal receiving device to search for and participate in a wireless network.

Near Field Communication (NFC) module is a non-contact communication technology that is one of radio frequency identification (RFID) technologies. It is a communication technology that transmits and receives various wireless data within a distance of 10cm or less. The NFC is a next-generation local area communication technology that is attracting attention due to its relatively low security and relatively low cost because of its short communication distance. Since both data reading and writing functions are available, there is no need for a dongle (reader) that was previously required for RFID use. , But you do not have to configure between devices like Bluetooth. The NFC module may perform data exchange through wireless communication with the smart device 200 or contactless payment with the card terminal.

The display unit 150 displays the card information to the user. That is, the display unit 150 displays and outputs the information processed in the smart multi-card 100. For example, when the smart multi-card 100 is in a payment mode, a UI (User Interface) or a GUI (Graphic User Interface) related to card settlement may be displayed or information of a card performing the payment may be displayed. When the smart multi-card 100 is in the accumulation mode, the display unit 150 may display a barcode of a card to be accumulated. When the smart card 100 is in the card registration mode in which a card other than the card stored previously is added, the display unit 150 displays UI (User) related to connection with the smart device 200 or the card terminal, Interface) or GUI (Graphic User Interface).

Meanwhile, as described above, when the display unit 150 and the touch pad have a mutual layer structure and are configured as a touch screen, the display unit 150 may be used as an input device in addition to the output device. If the display unit 150 is configured as a touch screen, it may include a touch screen panel, a touch screen panel controller, and the like.

In addition, the display unit 150 may be a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, an electronic paper E-paper). There may be two or more display units 150 according to the embodiment of the smart multi-card 100. For example, the display unit 150 may be provided on the front and back sides of the smart multi-card 100, respectively.

The storage unit 120 stores information necessary for using the smart multi-card 100. For example, the storage unit 120 may store card information used for settlement or accumulation, and may store a security certificate of a user. In addition, when the smart multi-card 100 includes a user authentication function, the storage unit 120 may store biometric information of a user for user authentication.

In addition, the storage unit 120 may store a program for processing and controlling the controller 110. For example, the storage unit 120 may include an operating system for driving the smart card. In addition, the storage unit 120 may provide a work space for card operations such as encryption and decryption.

In addition, the storage unit 120 may be formed in the form of an IC (Integrated Circuit) chip, and may include an MPU (Micro Processor Unit) having an internal calculation function in the IC chip. Further, the IC chip may be exposed to the outside of the card, and may make a payment in direct physical contact with the contact-type card terminal.

FIG. 3 is a flowchart of a payment and accumulation service method of the smart multi-card 100 according to an exemplary embodiment of the present invention.

Referring to FIG. 3, the method of payment and accumulation service of the smart multi-card 100 according to the embodiment of the present invention loads the stored card list information to perform payment or accumulation service, (S100) on the display unit 150; (S110) receiving a card from the user through the user input unit 130 to select a card for accumulation or payment from the card list; And loading the card information of the selected card and performing settlement or accumulation with the card information (S120). A method of payment and accumulation service of the smart multi-card 100 according to an embodiment of the present invention will be described in order.

In order to proceed with the settlement or accumulation service, the smart multi-card 100 loads the stored card list information and displays all or a part thereof on the display unit 150 (S100). For example, the smart multi-card 100 is operated to receive an operation of the user input unit 130 from a user and perform settlement or accumulation. The smart card 100 may store information on all or part of the card list information stored in the storage unit 120 (for example, card company information, card name, card company logo, card image, And displays it on the display unit 150 so that the user can select it. The smart multi-card 100 may display a part or all of the card list on the display unit 150 according to the size of the display unit 150, the type, the type or the number of the card information to be displayed.

The user selects a card to be accumulated or paid in the card list through the user input unit 130 (S110). The user operates the user input unit 130 to select a card to be charged or accumulated among the cards displayed on the display unit 150. [ For example, when the user input unit 130 is a direction button, the user can select a card to be charged by changing a card through a direction button operation. In addition, when the user input unit 130 corresponds to a number button, the user can input a specific number and select a card corresponding to the number.

Also, when the user input unit 130 is in the form of a touch screen, the user can recognize the touch command and perform card selection. That is, the user can change the card by touching the left and right ends of the display unit 150, and can change the card by touching the touch screen and moving along a predetermined path (for example, sweeping).

In addition, card classification change, card type change, card selection, card deselection, and the like can be performed according to a touch command input to the display unit 150. For example, by operating the touch screen up and down, the card classification can be changed. That is, it is possible to change the user's credit card group, the user's check card group, and the user's point card group. When the touch screen is operated to the left or right, the card type in the card classification can be changed. That is, in the case of the credit card group, it is possible to search for and select a credit card for which settlement is to be performed by left / right operation. In addition, a card image, a company logo, or the like displayed on the display unit 150 may be touched to select or deselect a card.

The card information of the selected card is loaded, and payment or accumulation is performed with the card information (S120). That is, the control unit 110 retrieves the card information of the selected card from the storage unit 120 so as to perform settlement or accumulation. The method for the smart multi-card 100 to perform settlement based on the card information includes a contact-type settlement method for contacting and inserting the smart multi-card 100 into the contact-type payment terminal, Contact type payment system in which the smart card 100 is loaded by the contactless or non-contact type payment terminal, and a non-contact type payment method in which the smart card 100 is loaded into the contactless or non- Or the like.

The contact type payment method for contacting and inserting the smart multi card 100 into the contact type payment terminal is a contact type payment method in which the contact between the payment terminal and the smart multi card 100, Or user information, or the like. The contactless payment method of recognizing the smart multi-card 100 by the contactless payment terminal can perform settlement without physical contact by performing communication with the contactless payment terminal using an RF signal as a means. That is, the contactless payment method can exchange data such as card information or user information through wireless communication such as NFC (Near Field Com- munication), BLE (Bluetooth Low Energy), Wi-Fi (Wireless Fidelity)

A method of loading a card stored in the smart device 200 by the smart multi card 100 and making payment through the contact or non-contact type payment terminal is performed by the storage unit 120 of the smart multi- The payment is performed using the card information stored in the smart device 200 rather than the card information stored in the smart device 200. [ Requesting card information of the selected card to the smart device (200) through wireless communication when performing payment using the payment method; Receiving the card information from the smart device (200) and displaying the card information on the display unit (150); Performing a payment request to the contact or non-contact payment terminal based on the card information; And the smart multi-card 100 receives the payment and approval information received by the external server 300 from the card terminal through the wireless communication of the smart device 200 and displays the information on the display unit 150 Step.

The smart card 100 requests card information of the selected card to the smart device 200 through wireless communication. For example, the smart multi-card 100 may receive the card list information stored in the smart device 200 from the smart device 200 via wireless communication or store it in the storage unit 120 in advance The user can select a card in the smart device 200 based on the card list information and request card information to the smart device 200 through wireless communication.

Thereafter, the card information is received from the smart device 200 and displayed on the display unit 150. The wireless communication unit 160 receives card information of the selected card from the smart device 200 via wireless communication and the smart card 100 displays the received card information on the display unit 150 can do.

Then, based on the card information, a payment request is made to the contact or non-contact payment terminal. Thereafter, the external server 300 approves payment according to the payment request based on the card information received from the card terminal, and the smart multi card 100 transmits payment approval information to the smart device 200 or The card terminal can be received via wireless communication and displayed on the display unit 150.

The manner in which the smart multi-card 100 performs the accumulation based on the card information may be performed by displaying the card information on the display unit 150 in the form of a barcode, a QR code, or a number. For example, the smart multi-card 100 displays a barcode or QR code corresponding to a card selected by the user on the display unit 150, and a barcode reader or a QR code reader of the store is displayed on the display unit 150 You can read the displayed barcode or QR code and perform the accumulation. In addition, the smart multi-card 100 displays the number corresponding to the card selected by the user on the display unit 150, stores the number displayed on the display unit 150 in the store terminal, Can be performed.

When the smart multi card 100 displays a barcode, a QR code or a number corresponding to a selected card on the display unit 150 and performs the accumulation, the barcode, the QR code or the number displayed on the display unit 150 by the terminal of the store Receiving the accumulation information from the terminal through wireless communication after one of the QR code and the number is recognized; And outputting the received accumulation information to the display unit 150. FIG. For example, it can be used for a method of receiving the accumulated information stored in the terminal of the store. In the case where the accumulation is performed for each branch of the brand, since the accumulation information (or accumulation details) is stored in the terminal, the smart multi-card 100 can receive and provide the accumulation information from the terminal through wireless communication have. Also, for example, when the accumulation information is integratedly managed in the external server 300, the terminal transmits the accumulation information to the external server 300, and the terminal accumulates accumulated accumulation information To the smart multi-card 100 through wireless communication. Accordingly, first, the smart multi-card 100 receives the accumulation information from the terminal through wireless communication. Then, it can output the received accumulation information to the display unit 150. [

In addition, the smart multi-card 100 may select a card issuing method from a user; And receiving the card information by completing issuance of the card according to the card issuing method. First, the user can operate the user input unit 130 of the smart multi-card 100 to select the card issuing method. The display unit 150 may provide a visual interface for selecting the card issuing method. The card issuing method is a method of issuing a card by using a method of connecting to the external server 300 using the wireless communication of the smart device 200 and issuing the card using a card issuer of a card issuance center, Method, and a method of directly inputting the card number to the smart multi-card 100, and the like.

A method of issuing a card using a card issuer of a credit card issuing center, a bank, or a credit card issuing store is a method of inserting or contacting the smart multi card 100 in the card issuing machine, And stores the received information. That is, the user can visit the bank, credit card issuance center, or the like with the smart multi card 100 owned by the user and request the issuance of the card to immediately store the card information in the smart multi card 100 of the user.

The method of directly inputting the card number to the smart multi-card 100 is a method in which the user directly inputs the card information through the user input unit 130. For example, in the case of the point accumulation card, the user directly inputs the number of the issued point card to register the card in the smart multi card 100, and the smart multi card 100, The card number can be generated in the form of a barcode through data processing and the terminal of the store can read it and proceed to accumulate it.

The smart card 200 is connected to the external server 300 using the wireless communication of the smart device 200. The smart card 200 receives the card from the card company server or the company server through the wireless Internet communication, And transmits the issued card information to the smart multi-card 100 through wireless communication (NFC, BLE, Wi-Fi, Wi-Fi Direct, etc.). Accordingly, the smart card 100 can perform the card issuance by the wireless communication unit 160 processing the received card information in the controller 110 and storing the processed card information in the storage unit 120.

The method of connecting to the external server 300 using the wireless communication of the smart device 200 and performing issuance of the card authenticates the external server 300 through the smart device 200 step; And receiving and storing card information acquired from the external server 300 through the smart device 200 by wireless communication to complete the card issuance.

Authenticates the external server 300 through the smart device 200, and issues a card issuance request. The customer authentication is a process of confirming whether or not the card is registered as a card user in a server of a card company, a bank, or an accumulation card issuing company. For example, the personal information stored in the smart device 200 or the smart multi-card 100 may be transmitted to the server through wireless communication to determine whether the personal information matches the card user information on the server.

Thereafter, the card information acquired from the external server 300 through the smart device 200 is received and stored in the wireless communication, thereby completing issuance of the card. That is, when the client authentication is completed, the server approves issuance of the card, and the smart device 200 can receive card information from the server through wireless communication. The smart card 100 may receive and store card information from the smart device 200 through short-range wireless communication.

A method of accessing and issuing an access to the external server 300 using the wireless communication of the smart device 200 may be realized by installing the smart multi-card 100 application in the smart device 200, for example, . The smart device 200 and the smart multi-card 100 can exchange data through the application installed in the smart device 200. When the bank or credit card company uses a dedicated application, the smart multi-card 100 application can transfer the card information from the bank or credit card application to the smart multi-card 100. In addition, when the server of the bank or credit card company and the smart multi-card 100 application can directly receive the card information, the application issues the card from the server of the bank or credit card company, ) Through wireless communication. In addition, in the case of the point accumulation card, the application is interlocked with each company server, so that the accumulation card can be issued and transmitted to the smart multi card 100.

Also, the method may further include registering the smart multi-card 100 in the smart device 200 via wireless communication. That is, the user can register the smart multi-card 100 in the smart device 200 and link the smart device 200 and the smart multi-card 100 together. The registration of the smart multi-card 100 in the smart device 200 via the wireless communication can be performed by the smart multi-card 100 application described above. That is, registration of the smart multi-card 100 is performed by the smart device 200 executing the smart multi-card 100 application, the smart multi-card 100 is searched by wireless communication. The smart card 100 transmits user information to the smart device 200 to perform user authentication; And requesting the smart card 200 to register the smart card 100 when user authentication is completed.

First, the smart multi-card 100 is searched for by wireless communication by the smart device 200 executing the smart multi-card 100 application. For example, the smart multi-card 100 may generate a beacon signal (or a BLE signal) that can be actively sensed by the smart device 200 and be detected by the smart device 200. Then, the smart multi-card 100 transmits user information to the smart device 200 to perform user authentication. The user authentication is a process of determining whether the user of the smart device 200 and the user of the smart multi-card 100 are identical. The biometric information of the user can be used for the user authentication. That is, the biometric information of the user is stored in the smart multi card 100 and transmitted to the smart device 200 when the smart multi card 100 is registered in the smart device 200, And the authentication is performed by comparing the biometric information with the biometric information stored in the biometric information storing unit. For example, the smart multi-card 100 may include a fingerprint sensor to receive and store fingerprint information of the user, and the smart device 200 may be provided with the smart device 200 And the user fingerprint information registered in the user fingerprint information. If the smart multi-card 100 includes various sensors, other biometric information can be used for user authentication. In addition to the biometric information of the user, the smart multi-card 100 may store information for authenticating a user such as a public certificate, and may transmit the authentication information to the smart device 200 upon user authentication to perform user authentication . Thereafter, when the user authentication is completed, the smart card 200 is requested to register the smart card 100 in the smart card. Accordingly, even when the user exchanges the smart device 200, the existing smart multi-card 100 can be easily registered and used.

The registration of the smart multi-card 100 in the smart device 200 via the wireless communication is performed by the smart device 200 executing the smart multi-card 100 application, Searching for wireless communication; Transmitting the unique identification information of the smart multi-card (100) to the smart device (200); And the smart device 200 transmits the received unique identification information and the user information stored in the smart device 200 to the server, and then transmits the unique identification information and the user information corresponding relationship from the server, The smart multi-card 100 interworking with the smart device 200 through the reception of an association request signal from the smart device 200 and registering the same in the smart device 200; . &Lt; / RTI > The method of registering the smart multi-card 100 in the smart device 200 according to the steps may be such that the user information of the smart multi-card 100 is not stored in the smart multi- Such as the serial number of the mobile terminal 100, is included.

First, the smart multi-card 100 is searched for by wireless communication by the smart device 200 executing the smart multi-card 100 application. For example, the smart multi-card 100 may generate a beacon signal (or a BLE signal) that can be actively sensed by the smart device 200 and be detected by the smart device 200.

Then, the smart multi-card 100 transmits unique identification information of the smart multi-card 100 to the smart device 200. That is, the smart multi-card 100 can transmit unique identification information of the smart multi-card 100 through a wireless communication scheme such as NFC or BLE.

Then, after the smart device 200 transmits the received unique identification information and the user information stored in the smart device 200 to the server, the server stores the unique identification information and the user information correspondence in the server The smart multi card 100 interlocks with the smart device 200 through reception of an interlock request signal from the smart device 200 and registers it in the smart device 200 . The smart device 200 transmits the received unique identification information and the user information stored in the smart device 200 to the server that stores the unique identification information and the user information correspondence. The server compares the unique identification information and the user information received from the smart device 200 with the unique identification information stored in the server and the user information correspondence to determine whether the corresponding relationship is satisfied. If the server satisfies the corresponding relationship, the server transmits a result indicating that the smart device 200 matches the corresponding relationship. When the smart device 200 sends an interlock request signal to the smart card 100 via wireless communication based on the result, the smart card 100 interlocks with the smart device 200, Registration in the device 100 can be performed.

The method further includes stopping the operation when the predetermined distance from the registered smart device 200 is exceeded. When the smart multi-card 100 is registered in the smart device 200 and linked, the smart multi-card 100 receives the wireless communication signal transmitted from the smart device 200 and can recognize the distance . When the smart multi-card 100 receives the signal and recognizes the distance, it may stop the operation of the smart multi-card 100 when the predetermined distance is exceeded. In addition, the signal can be set to a specific intensity so that it can be transmitted only to a specific distance, and if the smart multi-card 100 does not receive the wireless communication signal transmitted from the smart device 200, have.

In addition, when the smart card 100 is out of a predetermined distance, it can transmit a wireless communication signal for generating an alarm to the smart device 200. The smart device 200 may determine a distance based on the strength of the signal, and if the distance exceeds a predetermined distance, the smart device 200 may provide an alarm to the user.

5 is a flowchart of a method in which the smart multi-card 100 according to an embodiment of the present invention performs a card search according to store information to perform settlement or accumulation. In FIG. 5, a detailed description of the steps described above will be omitted.

5, a method of payment and accumulation service of a smart multi-card 100 according to another embodiment of the present invention includes a step S200 of receiving the store information through wireless communication by the smart multi-card 100, ; A step S210 of the smart multi-card 100 searching for an accumulation card, a discount card, or a credit card corresponding to the store information; Displaying the searched card on the display unit 150 (S220); And a step (S230) of loading the card information of the card and performing settlement or accumulation with the card information. A method of payment and accumulation service of the smart multi-card 100 according to an embodiment of the present invention will be described in order.

The smart multi-card 100 receives store information through wireless communication (S200). That is, the smart multi-card 100 actively senses a wireless communication signal such as a beacon signal, and the controller 110 determines a store corresponding to the wireless communication signal.

The smart multi-card 100 searches for an earning card, a discount card, a check card, or a credit card corresponding to the store information (S210). That is, the controller 110 searches the card stored in the storage unit 120 for a card to be used in the store. For example, the smart multi-card 100 may search for a credit card corresponding to the store name or a card for discounting the store name based on the store information included in the wireless communication signal.

And displays the searched card on the display unit 150 (S220). The smart multi-card 100 may generate a visual image including a card company logo or a card image of the searched card, a card number, etc., and display the generated visual image on the display unit 150.

The card information of the card is loaded, and payment or accumulation is performed with the card information (S230). That is, the control unit 110 retrieves the card information of the selected card from the storage unit 120 so as to perform settlement or accumulation. The method for the smart multi-card 100 to perform settlement based on the card information includes a contact-type settlement method for contacting and inserting the smart multi-card 100 into the contact-type payment terminal, Contact type payment system in which the smart card 100 is loaded by the contactless or non-contact type payment terminal, and a non-contact type payment method in which the smart card 100 is loaded into the contactless or non- Or the like.

In addition, when the number of the searched cards is one or more, the step of receiving a card from the list of searched cards by the user through the user input unit 130 may be performed. When a plurality of cards are searched as a result of the card search performed by the smart multi-card 100, the user can select a card to be used among them by operating the user input unit 130. For example, if a point accumulation card available at a store visited by a user and a credit card and a check card having a high discount rate are searched, the user can select the searched point accumulation card through operation of the user input unit 130 for accumulation have.

Performing a registration of the smart multi-card (100) to the smart device (200) through wireless communication; And receiving card information for each store from the smart device 200 through wireless communication. That is, the smart multi-card 100 is registered through the smart multi-card 100 application installed in the smart device 200, and stores the store-specific card information including the discount information of each store from the smart device 200 Information data can be received via wireless communication. The card information data for each store can be received from the external server 300 through the smart device 200 via wireless communication. In addition, the card information data for each store may be created by the user directly organizing discount information and the like in the application. In addition, the card information data for each store can be edited by a user in the smart multi-card 100 application or updated via wireless communication.

6 is a flowchart of a method in which the smart multi-card 100 according to an embodiment of the present invention performs settlement or accumulation with a card determined according to a usage card setting for each store. In FIG. 6, a detailed description of the steps described above will be omitted.

Referring to FIG. 6, a method of payment and accumulation service of a smart multi-card 100 according to another embodiment of the present invention includes a step S300 (Step S300) in which the smart multi- ); Receiving the wireless communication signal of the store by the smart multi-card 100 and recognizing the store (S310); Extracting usage card information set by the user and displaying the extracted usage card information on the display unit 150 (S320); And performing settlement or accumulation based on the card information (S330). A method of payment and accumulation service of the smart multi-card 100 according to an embodiment of the present invention will be described in order.

The smart multi-card 100 receives a setup card for each store from the user (S300). The user can set a store to use a specific card stored in the smart multi card 100 through the operation of the user input unit 130. [ In addition, when a user makes a payment at a specific store using the smart multi-card 100, the user can set a usage card for each store by directly storing the usage card and the wireless communication signal of the store in association with each other. In addition, the smart multi-card 100 performs registration of the smart multi-card 100 in the smart device 200 through wireless communication, and the smart multi- And can receive and set usage card information for each store.

The smart multi-card 100 receives the wireless communication signal of the store and recognizes the store (S310). That is, the smart multi-card 100 actively senses a wireless communication signal such as a beacon signal transmitted from a store, and the controller 110 determines a store corresponding to the wireless communication signal.

The smart card 100 extracts the usage card information set by the user and displays the extracted usage card information on the display unit 150 (S320). That is, the controller 110 searches for a card to be used based on the card information of each store stored in the storage unit 120, and displays the searched card on the display unit 150.

The smart multi-card 100 performs settlement or accumulation based on the card information (S330). That is, the control unit 110 retrieves the card information of the selected card from the storage unit 120 so as to perform settlement or accumulation. The method for the smart multi-card 100 to perform settlement based on the card information includes a contact-type settlement method for contacting and inserting the smart multi-card 100 into the contact-type payment terminal, Contact type payment system in which the smart card 100 is loaded by the contactless or non-contact type payment terminal, and a non-contact type payment method in which the smart card 100 is loaded into the contactless or non- Or the like.

For example, when the user touches the card terminal when the user boarded a bus or a subway, the smart card 100 is provided with the smart card 100, Receives a signal from the card terminal, recognizes that the card is used for public transportation, and loads the A-card information from the storage unit 120 to perform settlement.

In addition, the smart multi-card 100 according to an embodiment of the present invention can set and use a usage card for each time slot through time recognition. That is, the user sets a usage card for each time slot in the smart multi-card 100, recognizes the time by the GPS module, and provides card information to be used automatically for each time slot. For example, if a user wishes to use a B-card for meal payment at lunchtime, he / she can set the B-card to use at 12 o'clock from lunch at 1 o'clock.

The method of payment and accumulation service of the smart multi-card 100 according to the embodiment of the present invention described above is implemented as a program (or application) to be executed in combination with the smart multi-card 100, Lt; / RTI >

In order to execute the above-described methods in which the smart multi-card 100 is implemented as a program by reading the program, the processor of the smart multi-card 100 is connected to the smart multi- And may include code encoded in a computer language such as C, C ++, JAVA, or machine language, which can be read through the device interface. The code may include a function code related to a function or the like that defines the necessary functions for executing the methods, and the functions may be executed by the processor of the smart multi-card 100, And may include an associated control code. In addition, the code may be used to determine whether the additional information or media required for the processor of the smart multi-card 100 to perform the functions are to be referred to at a location (address) of the internal or external memory of the smart multi- And may further include code relating to memory references. In addition, when the processor of the smart multi-card 100 needs to communicate with any other computer or server that is remote to execute the functions, the code is transmitted to the smart multi-card 100 using the communication module of the smart multi- A communication-related code such as how to communicate with any other remote computer or server, and what information or media should be transmitted or received during communication.

The medium to be stored is not a medium for storing data for a short time such as a register, a cache, a memory, etc., but means a medium which semi-permanently stores data and is capable of being read by a device. Specifically, examples of the medium to be stored include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, but are not limited thereto. That is, the program may be stored in various recording media on various servers that the smart multi-card 100 can access, or on various recording media on the smart multi-card 100 of the user. In addition, the medium may be distributed to a network-connected computer system so that computer-readable codes may be stored in a distributed manner.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

100: smart multi-card 110:
120: storage unit 130: user input unit
140: Power supply unit 150:
160:
200: smart device 300: external server

Claims

A method for performing settlement or accumulation using a smart multi-card,
Loading the stored card list information to display a part or all of the stored card list information on the display unit to proceed with the payment or earning service;
Receiving a card from a user through a user input unit to select a card for accumulation or payment from the card list; And
Loading the card information of the selected card and performing settlement or accumulation with the card information.

The method according to claim 1,
Receiving the card issuance method from the user; And
And completing issuance of the card according to the card issuing method to receive the card information.

3. The method of claim 2,
The card issuing method includes:
A method of connecting to an external server using wireless communication of a smart device and issuing the card, a method of issuing a card using a card issuer of a card issuance center, a bank or a card issuing store, a method of directly inputting a card number to the smart multi card &Lt; RTI ID = 0.0 > smart < / RTI > multi-card.

The method of claim 3,
A method of connecting to and issuing an external server using the wireless communication of the smart device,
Authenticating the external server through the smart device and requesting issuance of the card; And
And receiving and storing the card information acquired from the external server via the smart device by wireless communication to complete the card issuance.

5. The method of claim 4,
The customer authentication includes:
Card, bank, or card of an issuer of the smart card is registered as a card user.

The method according to claim 1,
The step of performing the accumulation includes:
Wherein the card information is displayed on the display unit in the form of a bar code, a QR code, or a number.

The method according to claim 6,
The step of performing the accumulation includes:
Receiving the accumulation information from the terminal through wireless communication after recognizing any one of the bar code, the QR code and the number displayed on the display unit by the terminal of the store; And
And outputting the received accumulation information to the display unit.

The method according to claim 1,
The step of performing the settlement includes:
A non-contact type payment method for recognizing the smart multi card in a non-contact type payment terminal, a card stored in the smart device to the smart card, And a method in which a multi-card is loaded and paid through the contact or non-contact type payment terminal.

9. The method of claim 8,
When the smart card loads the card stored in the smart device and makes payment through the contact or non-contact payment terminal,
The step of loading the card information of the selected card and performing settlement or accumulation with the card information comprises:
Requesting card information of the selected card to the smart device through wireless communication;
Receiving the card information from the smart device and displaying the received card information on the display unit;
Performing a payment request to the contact or non-contact payment terminal based on the card information; And
And a step of receiving, from the card terminal, the information received by the external server via the wireless communication of the smart device and displaying the received information on the display unit, Way.

The method according to claim 1,
Wherein the step of selecting a card to be used for accumulation or settlement in the card list from the user through the user input unit comprises:
Wherein the display unit recognizes and executes a touch command of a user.

11. The method of claim 10,
Wherein the at least one of the card classification change, the card type change, the card selection, and the card selection can be performed according to the touch command input to the display unit.

The method according to claim 1,
And performing the smart multi-card registration to the smart device via wireless communication.

13. The method of claim 12,
And stopping the operation when a predetermined distance from the registered smart device is exceeded.

13. The method of claim 12,
Wherein the performing the smart multi-card registration on the smart device through the wireless communication comprises:
The smart multi-card is searched in wireless communication by the smart device that has executed the smart multi-card application;
Transmitting the user information to the smart device to perform user authentication; And
And requesting registration of the smart multi-card to the smart device when user authentication is completed.

13. The method of claim 12,
Wherein the performing the smart multi-card registration on the smart device through the wireless communication comprises:
The smart multi-card is searched in wireless communication by the smart device that has executed the smart multi-card application;
Transmitting the unique identification information of the smart multi-card to the smart device; And
When the smart device receives the unique identification information and the user information stored in the smart device to the server and then receives a result indicating that the smart device coincides with the corresponding relationship in the server from the server storing the unique identification information and the user information correspondence, And performing the registration in the smart device by interworking with the smart device through reception of a link request signal from the smart device.

A method for performing settlement or accumulation using a smart multi-card,
The smart multi-card receiving store information via wireless communication;
The smart multi-card searching for a card corresponding to the store information;
Displaying the searched card on a display unit; And
Loading the card information of the card and performing settlement or accumulation with the card information.

17. The method of claim 16,
If the discovered card is more than one,
Further comprising receiving from the user through the user input unit a card to be accumulated or paid in the list of discovered cards.

17. The method of claim 16,
Performing the smart multi-card registration on the smart device via wireless communication; And
And receiving smart card-specific card information from the smart device through wireless communication.

A method for performing settlement or accumulation using a smart multi-card,
The smart multi-card setting a usage card for each store from a user;
Receiving the wireless communication signal of the store and recognizing the store;
Extracting usage card information set by the user and displaying the extracted usage card information on a display unit; And
And performing settlement or accumulation based on the card information.

20. The method of claim 19,
The method of claim 1, further comprising:
Performing the smart multi-card registration on the smart device via wireless communication; And
And receiving the usage card setting for each store received from the user via the smart device by the smart multi card.

20. The method of claim 19,
The method of claim 1, further comprising:
And storing the usage card and the wireless communication signal of the store in association with each other when the payment is made in a specific store.

An application for a smart multi-card stored in a medium for executing the method according to any one of claims 1 to 21 in combination with a smart multi-card which is hardware.