SMART CARD HAVING MULTIPLE PAYMENT INSTRUMENTS

• US 20140229372A1
• Filed: 02/14/2014
• Published: 08/14/2014
• Est. Priority Date: 02/14/2013
• Status: Active Grant

• Current Assignee: KT Corporation
• Original Assignee: KT Corporation
• Inventors: SEO, Myoung-Hee, JEUNG, Youn-Pil, KIM, Sung-Chul
• Granted Patent: US 9,978,056 B2
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• 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

Abstract

The disclosure is related to a primary payment instrument of a smart card may be changed to one of other payment instruments stored in the smart card through single operation of user equipment without requiring further user input or user interaction.

Claims

1. A method for setting one of stored payment instruments as a primary payment instrument by a smart card, the method comprising:

receiving a control signal from a user equipment;

changing a current primary payment instrument with one of other payment instruments stored in the smart card in response to the control signal; and

setting the changed payment instrument as a new primary payment instrument.

2. The method of claim 1, wherein the receiving includes:

receiving the control signal with an application identification number (AID); and

activating an applet matched with the received application identification number (AID) in the control signal.

3. The method of claim 2, wherein the activating includes:

activating an applet configured to change priorities of payment instruments stored in the smart card.

4. The method of claim 1, wherein the changing a current primary payment instrument includes:

assigning a lowest priority to the current primary payment instrument; and

increasing priorities of the other payment instruments by one.

5. The method of claim 1, wherein the setting includes:

selecting a payment instrument having the highest priority; and

setting the selected payment instrument as the new primary payment instrument.

6. The method of claim 1, comprising:

transmitting information on a payment instrument having a highest priority upon receipt of a payment request.

7. The method of claim 1, wherein the user equipment is configured to transmit the control signal when the user equipment detects the smart card in a predetermined distance through near field communication.

17. The method of claim 1, wherein the user equipment is configured to transmit the control signal when the user equipment detects the smart card in a predetermined distance through near field communication.

8. A method for controlling a primary payment instrument of a smart card, the method comprising:

receiving a control signal from a user equipment;

changing priorities of payment instruments stored in the smart card in response to the control signal; and

setting a payment instrument having a highest priority as a primary payment instrument.

9. The method of claim 8, wherein the receiving includes:

receiving the control signal with an application identification number (AID); and

initiating at least one applet configured to change the priorities of the stored payment instruments based on the received application identification number (AID) in the control signal.

10. The method of claim 9, wherein the at least one applet is activated by performing a function “

SELECT (AID)”

based on the received application identification number.

11. The method of claim 8, wherein the changing is performed by executing at least one applet based on an application identification number (AID) included in the received control signal.

12. The method of claim 11, wherein the priorities of the payment instruments are changed by perform a function “

UPDATE DATA( )”

.

13. The method of claim 11, wherein the changing includes:

assigning a lowest priority to the current primary payment instrument; and

increasing priorities of the other payment instruments by one.

14. The method of claim 8, wherein the changing priorities of payment instruments includes:

determining a desired payment instrument based on information on a user selected payment instrument included in the control signal;

checking whether the desired payment instrument is stored in the smart card;

assigning a highest priority to a payment instrument corresponding to the desired payment instrument;

otherwise, transmitting an error message.

15. The method of claim 8, wherein the changing includes:

initiating a setup applet based on an application identification number (AID) included in the receiving control signal;

selecting, by the setup applet, a management applet based on a pre-registered application identification number (AID);

activating the selected management applet; and

changing, by the management applet, the priorities of the payment instruments.

16. The method of claim 8, comprising:

transmitting information on the primary payment instrument upon receipt of a payment request.

18. A smart card comprising:

an input/output circuit configured to receive a control signal from a user equipment when the user equipment is located within a predetermined distance from the smart card;

a memory configured to store a plurality of payment instruments each assigned with a priority, a setup applet, and a management applet; and

a processor configured to change priorities of payment instruments stored in the smart card in response to the control signal and to set a payment instrument having a highest priority as a primary payment instrument.

19. The smart card of claim 18, wherein the processor is configured to:

initiate the setup applet based on an application identification number (AID) included in the receiving control signal by executing a function of “

SELECT (AID)”

with a pre-registered application identification number (AID);

activate the management applet as a result of the execution of the function; and

change the priorities of the payment instruments as a result of the activating the management applet.

20. The smart card of claim 18, wherein the smart card is at least one of a plastic card having an integrated circuit chip and a universal subscriber identity module (USIM) card included in user equipment.