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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
First Claim
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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.

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