WO2016010320A1

WO2016010320A1 - Smart multi-card

Info

Publication number: WO2016010320A1
Application number: PCT/KR2015/007264
Authority: WO
Inventors: 배재훈; 배재호
Original assignee: 브릴리언츠 주식회사
Priority date: 2014-07-14
Filing date: 2015-07-13
Publication date: 2016-01-21

Abstract

The present invention relates to a smart multi-card. The smart multi-card, according to one embodiment of the present invention, comprises: a card frame provided therein with an installation space for card configuration; a wireless communication unit for transreceiving data with an external card terminal or a communication device through wireless communication; an information saving unit for saving information related to a plurality of cards; a user input unit for receiving an input of an operation by a user and selecting from among the information of the plurality of cards which have been internally saved; a display unit for visually displaying the information of the card which has been selected; and a control unit for extracting, from the information saving unit, the card information which has been selected by the user, information-processing the information of the card and delivering same to the display unit, and information-processing data transreceived through the wireless communication unit. According to the present invention, the advantage of improving card-carrying convenience can be provided by saving all payment and point accumulation-related data on a single card. Also, the advantage of a lighter wallet can be provided by eliminating the need for the user to carry multitude of cards.

Description

Smart Multi Card

The present invention relates to a smart multi-card, and more particularly, to a smart multi-card that allows the user to easily carry out payment, accumulation, identity verification by holding a plurality of card information in a single card.

Since the industrialization of modern society, the rapid use of information and credit cards has been comparable to that of money, through rapid informatization and credit. As a result, the number of credit cards carried by ordinary adults has also increased significantly, with the number of individuals having two or three cards and a large number of ten or more.

In addition, with the activation of marketing, issuance of various point cards has become an essential marketing item for most B2C-based companies, and it has now become a common means for increasing sales even in small stores located in alleys. As a result, dozens of cards are issued by individuals without their knowledge. However, in most cases, only unnecessary issuance costs are incurred, which are discarded, resulting in social costs. In addition, point cards and discount cards at stores that do not have frequent visits are not used at actual visits.

This phenomenon is cumbersome for the consumer, leads to avoiding card issuance due to complicated card management, and waste and irrationality in all aspects of supply and demand, which leads to unnecessary marketing costs for the enterprise.

Even in the case of credit cards, which are considered to be more useful than actual loyalty cards, since 2001, the number of credit card holders per capita increased to four. The number of credit card holders per person is 4.9 and the total number of card issuance is about 12.21 million. While the number of card issuances has increased steadily, only 1.4 cards are actually used. As a result, most of the credit cards owned by individuals become dormant cards, and more than 20 million (more than 40 billion won) are discarded. In addition, it would be no exaggeration to say that astronomical expenses are wasted if it includes cards for various monetary cards such as debit cards, check cards, cash cards, and prepaid cards or marketing cards such as point cards and discount cards.

Allows the user to easily settle, accumulate, or authenticate by including multiple card information in a single card.The user can easily select through the operation of the user input panel while checking the card to be used by the user. To provide a smart multi-card that can utilize the method and charging method.

Smart multi-card according to an embodiment of the present invention, the card frame having an installation space of the card configuration therein; A wireless communication unit which transmits and receives data with an external card terminal or a communication device through wireless communication; An information storage unit for storing a plurality of card information; A user input unit which receives a user's operation and selects from among a plurality of embedded card information; A display unit for visually displaying the selected card information; And a controller which extracts the card information selected by the user from the information storage unit, processes the card information to be transmitted to the display unit, and processes information transmitted and received through the wireless communication unit.

The apparatus may further include a connector unit performing data exchange with the contact card terminal.

The wireless communication unit may include a BLE module for receiving the card information received from the communication device or the control command of the smart multi-card to be stored in the information storage unit. You can perform the conversion according to the storage format.

The wireless communication unit may include an NFC module for exchanging data through wireless communication with the communication device or performing contactless payment with the card terminal.

The method may further include an interface unit for converting the data method to the same when the data method of the information storage unit and the controller is different.

In addition, a power supply for supplying power to the smart multi-card; And an external terminal connection unit connected to an external power source to perform charging or data exchange by connecting to an external device.

The display unit may display a power holding amount of the power supply unit.

In addition, the power supply, it may be characterized in that the wireless charging can be performed.

The apparatus may further include a solar cell provided at a rear surface of the card frame to perform charging of a power supply unit.

The smart multi card may be changed from a dormant state to an active state according to a manipulation of the user input unit.

In addition, the information storage unit, characterized in that for storing the scanning card settings, the smart multi-card is characterized in that the scanning card information is loaded from the information storage unit when the change from the dormant state to the active state Can be.

The user input unit may be performed by at least one of a button input method for changing or selecting a card by a direction button and a selection button, and a touch pad method for changing or selecting a card by receiving a user's touch operation. Can be.

In addition, when the selected card is an earning card, the card information displayed on the display unit may include at least one or more of a barcode, a card number, and a QR code.

In addition, when the selected card is a user identification card, the display unit displays the type of the identification card, and the control unit performs information processing on the information of the user identification card loaded from the information storage unit by a wireless communication unit or a connector. Can be passed to wealth.

In addition, the display unit and the user input unit may be implemented as a touch screen.

The display unit may be configured of electronic paper.

The controller may generate an interface through which information can be input from the user and provide the interface to the display unit, and the information storage unit may store the settings input from the user through the user input unit.

In addition, when the smart multi card is interlocked with the communication device, the controller recognizes whether a BLE signal is received from the communication device, and stops the operation of the smart multi card when the signal is not received. You can do

The wireless communication unit may receive payment history information from the card terminal, the controller may process information to display on the display unit, and the display unit may visually display the payment history.

In addition, the control unit, the payment control module for controlling the card payment function; And an operation control module for controlling an operation other than payment of the smart multi card.

The apparatus may further include a magnetic stripe driver configured to generate the magnetic stripe based on the card information processed by the controller.

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

First, since all payment and accumulation related data are stored in one card through a smart multi-card according to an embodiment of the present invention, there is an effect of improving the convenience of the possession of the card. The wallet is lighter because the user does not need to carry several cards.

Second, the smart multi-card according to an embodiment of the present invention can be provided with both a wireless communication unit, a connector unit, a magnetic stripe, payment method by magnetic stripe (magnetic stripe), contact payment method, contactless payment method and communication device Various payment methods such as a payment method can be provided. Accordingly, the user may apply a method suitable for the user's situation.

Third, the smart multi-card by interworking with the communication device, so that the smart multi-card does not proceed to the payment if the smart multi-card is more than a certain distance away from the communication device, it is excellent in preventing personal information security or unauthorized payment when the card is stolen or lost Can provide an effect.

Fourth, the smart multi-card can be issued and stored through a wired connection with another device such as a communication device or wireless communication with a card terminal or communication device, it is possible to easily store multiple card information in a single card.

Fifth, the smart multi card displays the card information through the display unit, so that the user can select which card to pay.

Sixth, the smart multi-card is provided with a user input unit so that the user can easily operate the card, in particular, when the user input unit forms a touch screen in combination with the display unit, it is possible to immediately perform the card operation while checking the display It is convenient to implement a flat card form without having to include a separate keypad or the like.

Seventh, the smart multi-card includes a sleep mode function, thereby reducing the number of charges by reducing unnecessary power consumption. Through this, it is possible to solve the inconvenience that the user has to charge frequently and the inconvenience to care about the power reserve.

Eighth, the smart multi-card can be settled by the card for injection, if the user wants to pay the card through the card setting function for injection. Through this, there is an effect that can save the time spent in selecting the primary card to retrieve the card information.

Ninth, the smart multi-card, including a solar cell, can perform charging anywhere in the sun. Through this, the user does not have to find a separate charging place. In addition, since the solar cell can be provided on one side of the rear portion of the card frame that is not provided with a separate configuration of the smart multi-card, there is no inconvenience in using the card, and it is useful to perform charging only by solar exposure of the rear portion.

Tenth, the smart multi-card can perform a wireless charging can be easily charged. In any place equipped with a wireless charger, the user can easily perform power charging without directly connecting the card to a power source, and the smart multi-card can be automatically charged and used without a user considering charging. .

Eleventh, the smart multi-card can receive payment history or earning history information from the card terminal, the user can immediately check the payment history or earning history without receiving a receipt. In addition, since the receipt does not have to be provided separately, there is an effect that can reduce the cost used to print the receipt.

Twelfth, the smart multi-card can transmit the received payment history information to the communication device, the user can transmit and store the payment history information that needs to be stored to the communication device even if a receipt is not issued, the payment history information Based on this, it is possible to directly use the accumulated data such as creating a household account book. In addition, a user does not have to use a paid payment text service to check payment information and store it in the communication device, thereby reducing costs.

Thirteenth, since only one card per user is required to perform payment or accumulation through the smart multi-card, there is an effect of reducing the number of unnecessary card production costs that are issued unnecessarily.

1 is an internal system configuration of a smart multi-card according to an embodiment of the present invention.

2 is an exemplary view of a smart multi-card according to an embodiment of the present invention.

3 is a diagram illustrating an internal arrangement of each component of a smart multi-card according to an embodiment of the present invention.

Figure 4 is a flow chart of a method for performing payment or earning using a smart multi-card in accordance with an embodiment of the present invention.

5 is an exemplary view illustrating a connection relationship between a smart multi card and a communication device according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Advantages and features of the present invention and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various forms, and only the embodiments are intended to complete the disclosure of the present invention, and the general knowledge in the art to which the present invention belongs. It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims. Like reference numerals refer to like elements throughout.

Unless otherwise defined, all terms (including technical and scientific terms) used in the present specification may be used in a sense that can be commonly understood by those skilled in the art. In addition, the terms defined in the commonly used dictionaries are not ideally or excessively interpreted unless they are specifically defined clearly.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In this specification, the singular also includes the plural unless specifically stated otherwise in the phrase. As used herein, "comprises" and / or "comprising" does not exclude the presence or addition of one or more other components in addition to the mentioned components.

The card information used in the present specification may include a name of a card, a card image, a card number, a barcode, a QR code, etc., when the card is an earning card, and a card company when the card is a credit card or a check card. Information, card name, card logo, card image, card expiration date, etc., if the card is a user identification card (IC card), the user's photo, name, identification number (for example, social security number, employee Number, group number, license number, etc.).

As used herein, communication devices mean all devices capable of wireless communication. That is, the communication device is not only a device having a wireless communication function such as a smart phone, a smart watch, a tablet PC, a notebook PC, a desktop PC, but also a device having no wireless communication function, but inserting a memory card including a wireless communication chip to It also includes devices that can communicate.

In addition, the smart multi-card 100 used herein includes one or more card information in one card, unlike the existing card that included only one card information in an integrated circuit (IC) chip in one card. Corresponds to the card. In other words, the smart multi-card 100 is a card that can be loaded one or more of the stored one or more card information to perform payment or point accumulation.

In addition, the card terminal used in the present specification is a terminal for payment using a card, a terminal for earning points by receiving a number of a credit card, a terminal for acquiring and confirming identification information of a user from the smart multi-card 100. It includes, and includes a terminal of a card company, a bank or a store that issues a new card to the smart multi-card (100). In addition, a terminal for making a payment using the card may be represented as a payment terminal.

1 is an internal system configuration of the smart multi-card 100 in accordance with an embodiment of the present invention. 2 is an exemplary view of a smart multi-card 100 in accordance with an embodiment of the present invention. 3 is a diagram illustrating an internal arrangement of each configuration of the smart multi-card 100 according to an embodiment of the present invention. Figure 4 is a flow chart of a method for performing payment or accumulation using the smart multi-card 100 according to an embodiment of the present invention. 5 is an exemplary view showing a connection relationship between the smart multi-card 100 and the communication device 200 according to an embodiment of the present invention.

1 to 5, the smart multi card 100, the card frame 110, the controller 120, the information storage unit 130, the user input unit 140, the power supply unit 150, the display unit 160, wireless The communication unit 170, the connector unit 180, and the communication device 200 are illustrated.

Hereinafter, the smart multi card 100 according to the embodiments of the present invention will be described with reference to the accompanying drawings.

1 is an internal system configuration of the smart multi-card 100 in accordance with an embodiment of the present invention. 2 is an exemplary view of a smart multi-card 100 in accordance with an embodiment of the present invention. 3 is a diagram illustrating an internal arrangement of each configuration of the smart multi-card 100 according to an embodiment of the present invention.

1 to 3, the smart multi-card 100 according to an embodiment of the present invention comprises a card frame 110; Control unit 120; Information storage unit 130; A user input unit 140; A power supply unit 150; Display unit 160; A wireless communication unit 170; And connector portion 180; includes all or part.

The card frame 110 provides a space in which a card configuration can be installed. The card frame 110 may be made of various materials such as synthetic resin and metal. The card frame 110 may be manufactured by integrating the front card frame and the rear card frame, respectively, in close contact with each other, thereby providing an installation space of a predetermined card configuration therein. A through hole may be formed in the front card frame so that the information storage unit 130 installed therein may be exposed to the outside. However, the card frame 110 is not limited to the front and rear card frame, it can be implemented in various forms, such as the form of inserting the configuration in the integrated card frame.

The control unit 120 performs a function of controlling the overall operation of the smart multi-card 100 by controlling the operation of each component of the smart multi-card 100. For example, the controller 120 processes the data received from the user input unit 140 to determine a user's command. In addition, the controller 120 performs information processing so that data can be transmitted to the external card terminal or the communication device 200 through wireless communication or direct contact. For example, when the card information is user identification information, the control unit 120 processes the information of the card information loaded from the information storage unit 130 and transmits the information to the card terminal. Or it may be transferred to the connector unit 180. In addition, the control unit 120 stores the data received from the card terminal or the communication device 200 through wireless communication or direct contact in the information storage unit 130 of the smart multi-card 100 or the display. Displayed in the unit 160. In addition, the control unit 120 receives information from the card terminal or the communication device 200 or extracts data from the information storage unit 130 to process information in a form that can be displayed on the display unit 160. Perform the function.

The user input unit 140 receives a user input data for controlling the operation of the smart multi-card 100 and transmits it to the control unit 120. The user input unit 140 may include a keypad, a keyboard, a dome switch, a touch pad (static pressure / capacitance), and the like. In particular, when the touch pad forms a mutual layer structure with the display unit 160 to be described later, this may be referred to as a touch screen. For example, the user input unit 140 may be implemented as a button input method for changing or selecting a card by using a direction button and a selection button, and a touch pad method for changing or selecting a card by receiving a user's touch manipulation. Can be. In this way, the user input unit 140 receives a user's operation and performs a function of selecting from a plurality of card information.

The wireless communication unit 170 performs a function of performing data exchange with an external communication device 200 or a card terminal. For example, the wireless communication unit 170 may transmit data to an external communication device 200 or a card terminal through wireless communication for payment, and from the card terminal or the communication device 200 to issue a card. Card information can be received through wireless communication. In addition, the wireless communication unit 170 performs a function of obtaining information necessary for performing a card payment from the surroundings. For example, the wireless communication unit 170 may receive a radio signal (for example, a beacon signal) transmitted from the store to determine the name of the store visited by the user, discount information of the store, and the like. The wireless communication unit 170 may include a wireless internet module, a short range communication module, and a GPS module.

The wireless internet module refers to a module for wireless internet access, and the wireless internet module may be embedded or external to the smart multi-card 100. Wireless Internet technologies include Wireless LAN (WLAN) (Wi-Fi), Wibro (Wireless broadband), World Interoperability for Microwave Access (Wimax), High Speed Downlink Packet Access (HSDPA), long term evolution (LTE), LTE-A Long Term Evolution-Advanced and the like can be used.

The short range communication module refers to a module for short range communication. Near field communication technologies include Bluetooth, Bluetooth Low Energy (BLE), Beacon, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, NFC (Near Field Communication) or the like can be used.

The BLE (Bluetooth Low Energy) refers to a Bluetooth communication method that enables a faster communication by differentiating a conventional Bluetooth configuration from a packet and simplifying a connection procedure. The BLE is an improved protocol for delivering information read from simple sensors more quickly and easily, and thus can be easily applied to articles used in daily life. The BLE (Bluetooth 4.0) is a device that can communicate with devices within approximately 5m ~ 70m, and low power with little effect on battery life, thereby minimizing power consumption and always turn on Bluetooth. The BLE module may receive the card information to be stored in the information storage unit 130 or the control command of the smart multi-card 100 from the communication device 200 through the BLE method.

Beacons use a Bluetooth 4. 0 (BLE-Bluetooth Low Energy) based protocol to transmit very small frequency signals around them. The beacon is a method of continuously notifying the existence of a wireless network (Broadcasting), and transmits information by allowing a signal receiver to find and participate in the wireless network.

Near field communication (NFC) module is a non-contact communication technology that is one of radio tag (RFID) technologies, and is a communication technology that transmits and receives various wireless data within a short distance of 10 cm. NFC is a next generation short-range communication technology that is attracting attention because of the relatively high security and low price because of the short communication distance. The ability to use both data read and write functionality eliminates the need for a dongle that was previously required for RFID use. It's similar to existing short-range communication technology, but you don't need to set up devices like Bluetooth. The NFC module may perform data exchange or contactless payment with the card terminal through wireless communication with the communication device 200.

The display unit 160 performs a function of displaying card information to a user. That is, the display unit 160 displays and outputs information processed by the smart multi card 100. For example, when the smart multi card 100 is in the payment mode, the smart multi-card 100 may display a user interface (UI) or a graphic user interface (GUI) related to card payment or display information of a card for performing the payment. When the smart multi card 100 is in the earning mode (that is, the selected card is the earning card), the display unit 160 may display a barcode, a number, or a QR code of a card to be accumulated. . In addition, when the smart multi-card 100 is in the user identification mode (ie, the selected card is a user identification card), the display unit 160 may display the type of the identification card. In addition, when the smart multi-card 100 is in a card registration mode or a card issuing mode for adding a card other than a pre-stored card, the display unit 160 and the connection with the communication device 200 or the card terminal; A related UI (User Interface) or GUI (Graphic User Interface) can be displayed. In addition, when the smart multi-card 100 is in the use setting mode, the display unit 160 provides a visual setting interface (UI) generated by the control unit 120 so that the user inputs the user input unit 140 To change the setting. The display unit 160 may be configured as a graphic type or may be configured as a segment type.

Meanwhile, as described above, when the display unit 160 and the touch pad form a mutual layer structure and constitute a touch screen, the display unit 160 may be used as an input device in addition to the output device. If the display unit 160 is configured as a touch screen, the display unit 160 may include a touch screen panel and a touch screen panel controller. When the display unit 160 is implemented as the touch screen, a user may select card information (eg, a company logo, a card appearance, a card name, etc.) displayed on the display unit 160 by a touch operation. The card may be changed by touching a portion on the touch screen on which a card change key is displayed or by touching the touch screen and moving (eg, sweeping) along a predetermined path.

In addition, when the touch input method is a method of moving along a predetermined path in contact with the touch screen 160, the smart multi-card 100 is a card according to the touch command input to the touch screen 160 You can change the classification, change the card type, select the card, deselect the card, and so on. For example, when the touch screen 160 is operated up and down, the card classification can be changed. That is, the user may change to the credit card group of the user, the check card group of the user, and the point card group of the user. By manipulating the touch screen 160 left and right, the card type in the card classification can be changed. That is, in the credit card group, it is possible to search for and select a credit card to be settled by left and right operations. In addition, a card image or a company logo displayed on the display unit 160 may be touched to select or deselect the card.

In addition, the display unit 160 may include a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, and an electronic paper. (E-paper) may include at least one. In addition, two or more display units 160 may exist according to the implementation form of the smart multi-card 100. For example, the display unit 160 may be provided on the front and rear surfaces of the smart multi-card 100, respectively.

The electronic paper is an electronic device that can feel the feeling of paper as it is and can act as a paper, also called e-paper. The electronic paper may be applied to various methods such as a method of making ink using small balls or capsules and a paper effect by making a flat panel display such as a conventional liquid crystal display (LCD) thinner.

The information storage unit 130 performs a function of storing information necessary for using the smart multi-card (100). For example, the information storage unit 130 may store card information used for payment or accumulation, and may store a user's security certificate. In addition, when the smart multi-card 100 includes a user authentication function, the information storage unit 130 may store the user's biometric information for user authentication. In addition, the information storage unit 130, the user stores a plurality of card information issued to the smart multi-card 100 for use in payment, earning or user authentication (hereinafter, payment, etc.). .

In addition, the information storage unit 130 may store a program for processing and control of the control unit 120. For example, the information storage unit 130 may include an operating system for driving the smart multi-card (100). In addition, the information storage unit 130 may provide a workspace for card operations such as encryption and decryption. In addition, the information storage unit 130 may be configured in the form of an IC (Integrated Circuit) chip, and may include a microprocessor unit (MPU) having its own arithmetic function in the IC chip.

The power supply unit 150 receives external power and internal power by the control of the control unit 120 to supply power for operation of each component.

The connector unit 180 exchanges data with the contact card terminal. In other words, when the smart multi-card 100 is inserted into the contact card terminal, the connector 180 contacts the card contact part of the contact card terminal to perform direct data exchange. When the information storage unit 130 is composed of the IC chip, the connector unit 180 may be included in the IC chip. The connector unit 180 may be exposed to the outside of the card frame 110 to perform a direct physical contact with a contact card terminal.

Figure 4 is a flow chart of a method for performing payment or accumulation using the smart multi-card 100 according to an embodiment of the present invention.

Referring to Figure 4, when explaining the payment and earning method using the smart multi-card according to an embodiment of the present invention. In order to proceed with the payment or accumulation service, the smart multi-card 100 loads the card list information stored in the information storage unit 130 to display all or part of the display unit 160 (S100). For example, the smart multi-card 100 is all of the card list information (for example, card company information, card name, card logo, card image, card validity period, etc.) stored in the information storage unit 130 or Information included in a part) is loaded and displayed on the display unit 160 for the user to select. The smart multi-card 100 may display some or all of the card list on the display unit 160 according to the size of the display unit 160, the type, type or number of card information to be displayed.

The user input unit 140 receives a selection of a card to be earned or paid from the card list from the user (S110). The user operates the user input unit 140 to select a card to be paid or accumulated from the cards displayed on the display unit 160. For example, when the user input unit 140 is a direction button, the user may select a card to be settled by changing the card through the direction button operation. In addition, when the user input unit 140 corresponds to the number button, the user may input a specific number to select a card corresponding to the number.

In addition, when the user input unit 140 is in the form of a touch screen, a card selection may be performed by recognizing a user's touch command. That is, the user may change the card by touching the left and right ends of the display unit 160 and change the card by touching (eg, sweeping) a predetermined path by touching the touch screen.

The card information of the selected card is loaded, and payment or accumulation is performed with the card information (S120). That is, the controller 120 loads the card information of the selected card from the information storage unit 130 so that payment or accumulation can be performed. The smart multi-card 100 is a method for performing a payment based on the card information, the contact type payment method for contacting or inserting the smart multi-card 100 into the contact payment terminal, the smart multi-card ( 100) a contactless payment method for recognizing the contactless payment terminal, the smart multi-card (100) loads the card stored in the communication device 200, the method of payment through the contact or contactless payment terminal, etc. Can be performed by

The contact payment method of contacting or inserting the smart multi-card 100 into the contact payment terminal is a physical contact between the contact portion of the payment terminal and the connector 180 of the smart multi-card 100. Therefore, mutual data exchange such as card information or user information can be performed. The contactless payment method for recognizing the smart multi-card 100 to a contactless payment terminal and making payment, may communicate with the contactless payment terminal through an antenna using a radio frequency signal to perform payment without physical contact. That is, the contactless payment method may exchange data such as card information or user information through wireless communication such as near field communication (NFC), Bluetooth low energy (BLE), and wireless fidelity (Wi-Fi).

In addition, an embodiment of the present invention may further include an external terminal connection portion. The external terminal connector is connected to an external power source to perform charging or data exchange by connecting to an external device. That is, the smart multi card 100 may be connected to an external power source through an external terminal connection unit to perform charging of the power supply unit 150. In addition, the smart multi-card 100 may exchange data by connecting to the external device by wire through the external terminal connector. The external device refers to any device that can be connected to the smart multi-card 100 through a wired cable such as a communication device 200, a computer. For example, the smart multi-card 100 may be connected to a device such as a computer by wire to receive card information to be issued or registered to the card. In addition, for example, the smart multi-card 100 may be transmitted by connecting a variety of information, such as setting information, user authentication information from the device by wire. Through this, the smart multi-card 100 can perform data exchange at a faster speed than when performing data exchange wirelessly.

In addition, the display unit 160 may display a power holding amount of the power supply unit 150. That is, the smart multi-card 100 displays the power holding amount on one side of the display unit 160, the user can use the card while checking the remaining power holding amount can check the progress of charging when charging.

In addition, the power supply unit 150 may include a wireless charging function. The wireless charging refers to performing charging without plugging a mobile device into a charger connected to an outlet, and various wireless charging technologies may be applied to the smart multi-card 100. For example, the power supply unit 150 may perform wireless charging using an electromagnetic induction method. The electromagnetic induction method is a method using an electromagnetic induction principle in which electricity is induced in the receiver coil when the magnetic field is generated by the power transmitter coil. That is, the power supply unit 150 may include an iron core that rotates around the card, and may be charged by a magnetic field that is continuously changed when it is positioned around the wireless charging device in which AC flows. In addition, for example, the power supply unit 150 may perform wireless charging through a magnetic resonance method or an electromagnetic wave method. In the electromagnetic wave method, when the transmitter generates electromagnetic waves, the receiver receives an electromagnetic wave using a rectenna in which an antenna and a rectifier are combined and converts the electromagnetic wave into electric power. The magnetic resonance method is a technology in which a magnetic field oscillating at a resonant frequency in a transmitter coil is intensively transmitted to only a receiver coil designed at the same resonant frequency. The electromagnetic induction method, the electromagnetic wave method, and the magnetic resonance method are commonly applied to the Aperfer law and the Faraday law. In addition, the smart multi-card 100 may perform partial charging of power by magnetic induction when payment is made to a contactless card terminal. This eliminates the need for users to worry about charging the power before using the card. In addition, the smart multi-card 100 can be charged at any place having a wireless charger (for example, a restaurant or a cafe having a wireless charger of a magnetic resonance method), without having to worry about charging. Can be used.

In addition, an embodiment of the present invention may further include a solar cell (or solar cell). The solar cell is a power generation method that converts sunlight directly into electrical energy using a solar cell without the help of a generator, it is possible to perform the charging of the power supply unit 150. The solar cell may be applied to a conventional solar cell technology. For example, the solar cell is composed of a PN junction semiconductor, and the number of free electrons in the semiconductor is increased by sunlight to charge the power supply unit 150. However, the technology applied to the solar cell is not limited thereto, and various conventional solar cell technologies may be applied. The solar cell may be provided at the rear of the card frame 110. That is, the smart multi-card 100 having the solar cell may be charged by arranging the rear surface of the smart multi-card 100 to be exposed to sunlight.

In addition, the control unit 120, the payment control module for controlling the card payment function; And an operation control module for controlling a non-payment operation of the smart multi-card 100. The payment control module may be provided in the information storage unit 130. The information storage unit 130 (for example, IC (Integrated Circuit) chip), such as a smart card containing a single card information, the payment control module for controlling the card payment function (for example, payment It may include a micro controller unit (MCU). Through this, the smart multi-card 100 can be produced by the information storage unit 130 (IC chip) used in the production of the existing smart card, it is possible to utilize the existing IC chip manufacturing process as it is made of the existing smart card IC chips can be recycled.

In addition, one embodiment of the present invention may further include an interface unit. When the data method of the information storage unit 130 and the control unit 120 is different, the interface unit may play a role of converting the data method in the same manner. The interface unit may be connected between the control unit 120 and the information storage unit 130 in the smart multi-card 100 in the form of a separate chip to perform a conversion during data transfer or the control unit ( 120 or may be implemented in the form of software in the information storage unit 130.

In addition, the smart multi-card 100 may be changed from a dormant state to an active state according to the operation of the user input unit 140. Even when the user does not use the smart multi-card 100, the power is continuously turned on and the power consumption may increase, so the smart multi-card 100 may enter a sleep mode when the user does not operate for a specific time. . The sleep mode refers to a state in which an operation of some components of the smart multi-card 100 is inactivated. When the smart multi card 100 receives an input from the user through the user input unit 140 in the dormant state, the smart multi-card 100 may release the dormant state and make the active state. Through this, the smart multi-card 100 can reduce unnecessary power consumption, it is possible to prevent the smart multi-card 100 is overloaded so that it can be utilized for a long time without failure.

In addition, the information storage unit 130 may store the user's settings related to the operation of the smart multi-card (100). For example, the setting items may include setting a time at which the smart multi card 100 starts the sleep mode, brightness of the display unit 160, a UI form displayed on the display unit 160, and the like. . That is, the controller 120 generates an interface (UI) through which information can be input from the user through the information processing, and provides it to the display unit 160, and the user input unit 140 desired setting information from the user. Can be input. Thereafter, the information storage unit 130 may store the input setting information.

In addition, the information storage unit 130 may store the card setting information for the injection, the smart multi-card 100 is the information storage unit 130 for the card information for injection when the change from the dormant state to the active state Can be loaded from That is, the smart multi-card 100 may store a card mainly used by the user in the information storage unit 130 according to the setting storage method. When the smart multi-card 100 is changed from the dormant state to the active state, the smart multi-card 100 can directly provide the injection card as a payment means, thereby reducing the time and inconvenience for the user to select a card for payment.

In addition, as shown in Figure 5, when the smart multi-card 100 is interlocked with the communication device 200, the control unit 120, the wireless communication signal (for example, BLE from the communication device 200) If the signal is not received, the operation of the smart multi-card 100 may be stopped. That is, the smart multi-card 100 may recognize the distance by receiving a specific radio signal transmitted by the communication device 200. For example, when the smart multi-card 100 receives a beacon signal transmitted by the communication device 200 and performs distance calculation, the smart multi-card 100 calculates a predetermined distance at which the calculated distance is set. If exceeded, the operation can be stopped. Also, for example, when the communication device 200 sets the signal transmitted by a specific strength to be transmitted only up to a specific distance, when the smart multi-card 100 does not receive the wireless communication signal, The operation may be stopped in response to a distance out of a predetermined distance.

In addition, the smart multi-card 100 may generate the alarm when out of the predetermined distance from the interworking communication device 200. Users of the communication device 200 often lose the communication device 200 leaving the communication device 200 in a restaurant or the like. The smart multi-card 100 determines whether a predetermined distance from the communication device 200 on the basis of the wireless communication signal transmitted by the communication device 200, the smart multi-card 100 is the predetermined In case of exceeding the distance, an alarm may be provided to the user to inform that the communication device 200 has been left elsewhere. If the user has the smart multi-card 100 through this, whether the communication device 200 is lost can be provided through the smart multi-card (100).

In addition, the wireless communication unit 170 receives payment details or the accumulated information from the card terminal or the communication device 200, and the control unit 120 processes the information to be displayed on the display unit 160. The display unit 160 may visually display the payment details. That is, the wireless communication unit 170 may receive payment history or accumulated history information data from the card terminal or the communication device 200 at the time of payment. The control unit 120 performs information processing to display the payment history or the earning history information data on the display unit 160, and the display unit 160 visually displays the information and provides it to the user. Can be. Through this, the user can immediately check the payment history or earned history without receiving a receipt. In addition, since the receipt does not have to be provided separately, there is an effect that can reduce the cost used to print the receipt.

In addition, the smart multi-card 100 may transmit the payment details received according to the user's selection to the communication device 200 through wireless communication. That is, only payment history information required by the user may be transmitted from the smart multi-card 100 to the communication device 200 through wireless communication. The smart multi-card 100 may transmit the payment history information according to a specific input input by the user to the user input unit 140. Through this, the user can transmit and store the payment history information that needs to be stored to the communication device 200 even if a receipt is not issued, and can utilize the accumulated data such as creating an account book based on the payment history information. It works. In addition, the user does not have to use a paid billing text service to check payment information and store it in the communication device 200, thereby reducing costs.

In addition, the magnetic stripe driving unit; may further include. The magnetic stripe driver generates a magnetic stripe based on card information processed by the controller 120. That is, the smart multi-card 100 may include a magnetic stripe on the rear surface of the card frame 110, and the magnetic stripe driving unit may change the magnetic arrangement of the magnetic stripe on the information of the card selected by the user. Through this, in a store that does not have an IC card terminal, the user may make a payment using the magnetic stripe of the smart multi-card 100. In addition, the smart multi-card 100 may select the payment method from the payment by the IC chip or the payment by the magnetic stripe by the user operation of the user input unit 140.

Third, the smart multi-card by interworking with the communication device, so that the smart multi-card does not proceed to the payment if the smart multi-card is more than a certain distance away from the communication device, it is excellent in preventing personal information security or unauthorized payment when the card is stolen Can provide an effect.

Although embodiments of the present invention have been described above with reference to the accompanying drawings, those skilled in the art to which the present invention pertains may implement the present invention in other specific forms without changing the technical spirit or essential features thereof. I can understand that. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive.

Claims

A card frame having an installation space of a card configuration therein;

A wireless communication unit for performing data transmission / reception with a card terminal or a communication device through wireless communication;

An information storage unit for storing a plurality of card information;

A user input unit configured to receive a user's operation for selecting among the plurality of card information;

A display unit for visually displaying a screen including the selected card information; And

And a controller configured to extract the card information selected by the user from the information storage unit, process the card information to be transmitted to the display unit, and process information transmitted / received through the wireless communication unit. Card.
The method of claim 1,

The smart multi-card further comprising a connector unit for performing data exchange with the contact card terminal.
The method of claim 1,

The wireless communication unit,

A BLE module for receiving the card information or the control command of the smart multi-card to be stored in the information storage unit from the communication device,

The control unit converts the card information according to the storage format of the information storage unit, smart multi-card.
The method of claim 1,

The wireless communication unit,

And an NFC module for performing data exchange or contactless payment with the card terminal through wireless communication with the communication device.
The method of claim 1,

If the data method of the information storage unit and the control unit is different, the interface unit for converting the data method the same; further comprising, smart multi-card.
The method of claim 1,

A power supply unit supplying power to the smart multi card; And

And an external terminal connection unit connected to an external power source to perform charging or data exchange by connecting to an external device.
The method of claim 6,

The power supply unit,

Characterized in that the wireless charging can be performed, smart multi-card.
The method of claim 6,

And a solar cell provided at a rear surface of the card frame to perform charging of the power supply unit.
The method of claim 1,

The smart multi card, characterized in that the change from the dormant state to the active state in accordance with the user input unit operation.
The method of claim 9,

The information storage unit,

Characterized in that for storing the scanning card settings,

The smart multi card,

Smart card, characterized in that for the card information is loaded from the information storage unit when the change from the sleep state to the active state.
The method of claim 1,

The user input unit,

The smart multi-card is performed by at least one of a button input method for changing or selecting a card by a direction button and a selection button, and a touch pad method for changing or selecting a card by receiving a user's touch operation.
The method of claim 1,

If the selected card is an earning card,

The card information displayed on the display unit,

Smart multi card comprising at least one of a barcode, card number, QR code.
The method according to claim 1 or 2,

If the selected card is a user identification card,

The display unit displays the type of the identification card,

The control unit, the information processing the information of the user identification card loaded from the information storage unit and transmits to the wireless communication unit or a connector, smart multi-card.
The method of claim 1,

Smart display, characterized in that the display is coupled to the user input unit is implemented as a touch screen.
The method of claim 1,

The display unit, characterized in that consisting of electronic paper, smart multi-card.
The method of claim 1,

The controller generates an interface for receiving a setting item from a user through information processing and provides the interface to the display unit.

The information storage unit, the smart multi-card for storing the settings received from the user through the input unit.
The method of claim 1,

When the smart multi card is linked with the communication device,

The controller recognizes whether a wireless communication signal is received from the communication device, and stops the operation of the smart multi card when the signal is not received.
The method of claim 1,

The wireless communication unit receives payment history or earned history information from the card terminal,

The controller processes the information to be displayed on the display unit,

The display unit is a smart multi-card to visually display the payment history or earning history.
The method of claim 1,

The control unit,

A payment control module for controlling a card payment function; And

Smart control, including; an operation control module for controlling an operation other than the payment of the smart multi-card.
The method of claim 1,

And a magnetic stripe driver for generating a magnetic stripe based on the card information processed by the controller.