Method for controlling financial chip of payment device

• US 10,043,163 B2
• Filed: 12/28/2012
• Issued: 08/07/2018
• Est. Priority Date: 12/26/2012
• Status: Active Grant

• Current Assignee: Hyundai Card Incorporated, KB Kookmincard Company Limited, Lotte Card Company Limited, Nonghyup Bank, Samsung Card Company Limited (Samsung Group), Shinhancard Company Limited
• Original Assignee: Hyundai Card Incorporated, KB Kookmincard Company Limited, Lotte Card Company Limited, Nonghyup Bank, Samsung Card Company Limited (Samsung Group), Shinhancard Company Limited
• Inventors: Park, Hae Chul, Kim, Byungsoo, Lee, Jeongjin
• Primary Examiner(s): Hamilton, Lalita M
• Application Number:
  US14/655,637
• Publication Number:
  US 20150339642A1
• Time in Patent Office: 2,048 Days
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/35765 Access rights to memory zones
• CPC Class Codes: G06Q 20/3829 involving key management

Abstract

Disclosed is a method for controlling a financial chip of a payment device, in which information for multiple cards is stored in a single USIM chip, to enable the payment device to use credit cards from multiple card companies as a payment means. The method includes: dividing storage of the memory of the financial chip into multiple sections and allocating a turn to each storage section; allocating a first turn to the first card company server and recording information on the credit card issued by the first card company server, an application for financial transactions, and an identifier for the application when the first card company server and the second card company server sequentially make a request for the record of credit card information to the financial chip; and providing card arrangement information including information on the first turn and a second turn to the second card company server.

Claims

1. A method for controlling a financial chip of a payment device, the method being performed by a hardware processor of the payment device that connects using long-distance wireless communication with a server of a first card company and a server of a second card company by a wireless network, the method comprising:

dividing storage of a memory of the financial chip into multiple storage areas and assigning different sequence numbers to the respective divided storage areas;

receiving, via the wireless network using the long-distance wireless communication, a first request and first credit card information from the first card company server for recording of the first credit card information to the financial chip;

assigning a first sequence number of the assigned sequence numbers to the first card company server;

recording the first credit card information, an application for financial transactions issued by the first card company server, and an identifier for the application in a first storage area of the multiple storage areas identified by the first sequence number;

receiving a first derivation key generated by the first card company server using the identifier for the application, the first sequence number, and a card company code for the first card company server;

recording the first derivation key in the first storage area;

receiving, via the wireless network using the long-distance wireless communication, a second request and second credit card information from the second card company server for recording of the second credit card information to the financial chip;

providing via the wireless network using the long-distance wireless communication card arrangement information including information about the first sequence number, the first derivation key, and a second sequence number that identifies a second storage area of the multiple storage areas, the second sequence number being the next sequence number to the first sequence number, to the second card company server;

receiving a second derivation key generated by the second card company server using the first derivation key and the second sequence number; and

recording the second derivation key and the second credit card information in the second storage area as available for provision to a third card company server.

2. The method of claim 1, wherein the card arrangement information includes the identifier of the application, said identifier being issued by the first card company.

3. The method of claim 2, wherein the second card company server accesses the second storage area corresponding to the second sequence number.

4. The method of claim 2, wherein the card arrangement information provides the identifier issued by the first card company to the second card company server.

5. The method of claim 1, wherein the identifier, and a used sequence number and an unused sequence number among the sequence numbers are comprised in the card arrangement information, the identifier being fixed as the identifier of the first card company server that first accesses the storage area.

6. The method of claim 5, wherein in the card arrangement information, the used sequence number and the unused sequence number are successive numbers.

7. The method of claim 1, wherein the financial chip is any one of USIM (Universal Subscriber Identity Module), NFC (Near Field Communication) USIM, Micro SD (Micro Secure Digital), and Embedded SE (Embedded Secure Element).

8. The method of claim 1, wherein the first card company server generates the first derivation key by an encryption algorithm using the identifier for the application, the first sequence number, and a card company code for the first card company server, as a parameter.

9. The method of claim 8, wherein the second card company server generates the second derivation key by the encryption algorithm using the identifier for the application and the first derivation key as parameters.

10. The method of claim 1, wherein the card arrangement information includes information about a used sequence number and an unused sequence number among the sequence numbers of the storage of the memory.

11. The method of claim 1, wherein the payment device is any one of a mobile phone, a smart phone, a tablet PC, and a camera.