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1. WO2019059582 - MULTI-CARD AND PAYMENT METHOD USING SAME

Publication Number WO/2019/059582
Publication Date 28.03.2019
International Application No. PCT/KR2018/010774
International Filing Date 13.09.2018
IPC
G06Q 20/34 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit cards or magnetic cards
G06Q 20/40 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
CPC
G06K 7/10366
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
7Methods or arrangements for sensing record carriers, ; e.g. for reading patterns
10by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
10009sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
10366the interrogation device being adapted for miscellaneous applications
G06Q 20/204
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
204comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
G06Q 20/227
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
227characterized in that multiple accounts are available to the payer
G06Q 20/34
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/341
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
G06Q 20/353
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
353Payments by additional cards plugged into M-devices
Applicants
  • 코나아이 주식회사 KONA I CO., LTD. [KR]/[KR]
Inventors
  • 조정일 CHO, Chung Il
  • 심대범 SIM, Dae Beom
  • 송보근 SONG, Bo Geun
Agents
  • 특허법인 한성 HANSUNG INTELLECTUAL PROPERTY
Priority Data
10-2017-012261122.09.2017KR
Publication Language Korean (KO)
Filing Language Korean (KO)
Designated States
Title
(EN) MULTI-CARD AND PAYMENT METHOD USING SAME
(FR) CARTE MULTIPLE ET PROCÉDÉ DE PAIEMENT UTILISANT LADITE CARTE MULTIPLE
(KO) 멀티 카드 및 이를 이용한 결제 방법
Abstract
(EN)
The present invention relates to a multi-card and a payment method using the same, the multi-card comprising: a secure element for storing at least one piece of payment card information in an applet form; an input unit including a plurality of buttons respectively matched with the card information; and a control unit for receiving, from a user terminal, and storing at least one piece of membership card information and matching information with the input unit, wherein the secure element generates transaction response information including one piece of membership card information and one piece of payment card information activated according to a selection of the input unit.
(FR)
La présente invention concerne une carte multiple et un procédé de paiement l'utilisant, la carte multiple comprenant : un élément sécurisé pour stocker au moins un élément d'informations de carte de paiement sous une forme de micro-application ; une unité d'entrée comprenant une pluralité de boutons correspondant respectivement aux informations de carte ; et une unité de commande destinée à recevoir, en provenance d'un terminal utilisateur, et à stocker au moins un élément d'informations de carte d'adhésion et des informations de mise en correspondance avec l'unité d'entrée, l'élément sécurisé générant des informations de réponse de transaction comprenant un élément d'informations de carte d'adhésion et un élément d'informations de carte de paiement activés selon une sélection de l'unité d'entrée.
(KO)
본 발명은 멀티 카드 및 이를 이용한 결제 방법에 관한 것으로서, 멀티 카드는 적어도 하나의 결제 카드 정보를 애플릿(applet) 형태로 저장하는 보안 요소(Secure Element); 카드 정보와 각각 매칭되는 복수의 버튼을 포함하는 입력부; 및 사용자 단말로부터, 적어도 하나의 멤버쉽 카드 정보 및 상기 입력부와의 매칭(matching) 정보를 수신하여 저장하는 제어부를 포함하고, 상기 보안 요소는, 상기 입력부의 선택에 따라 활성화된 하나의 결제 카드 정보 및 하나의 멤버쉽 카드 정보를 포함하는 거래 응답 정보를 생성한다.
Also published as
JP2020515145
Latest bibliographic data on file with the International Bureau