Smart card having multiple payment instruments

• US 9,978,056 B2
• Filed: 02/14/2014
• Issued: 05/22/2018
• 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
• Primary Examiner(s): Poinvil, Frantzy
• Application Number:
  US14/180,767
• Publication Number:
  US 20140229372A1
• Time in Patent Office: 1,558 Days
• Field of Search: 705 3- 44, 235379-380
• 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 payment instruments stored in a smart card, as a primary payment instrument to make a payment, the method comprising:

receiving, by the smart card, a control request from a user equipment physically separated from the smart card through a communication link established between the smart card and the user equipment, wherein the user equipment is one of a smart phone, cellular phone, a mobile device, a handheld computer, a laptop, a tablet personal computer (PC), a pad-like device, a personal digital assistant (PDA), a portable multimedia player (PMP), and a navigation device;

changing, by the smart card, priorities assigned to payment instrument applets each representing a respective payment instrument by activating a predetermined applet stored in the smart card in response to the received control request; and

setting, by the smart card based on the changed priority, one of the payment instrument applets as a primary payment instrument applet that provides information on an associated payment instrument to a payment terminal in response to a payment request.

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

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

activating an applet stored in the smart card and matched with the received application identification number (AID) in the control request.

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

activating a management applet stored in the smart card;

changing, by the management applet, priorities assigned to payment instrument applets stored in the smart card.

4. The method of claim 1, wherein the changing includes:

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

increasing priorities of the other payment instrument applets by one.

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

selecting a payment instrument applet assigned with the highest priority; and

setting the selected payment instrument applet as the new primary payment instrument applet to provide information on an associated payment instrument to said payment terminal in response to a payment request.

6. The method of claim 1, comprising:

fetching information on a payment instrument associated with the primary payment instrument applet having a highest priority upon receipt of a payment request; and

transmitting the fetched information to a predetermined device to make a payment in response to the payment request.

7. The method of claim 1, wherein the user equipment is configured to transmit the control signal when the user equipment detects a single operation made on the smart card through near field communication.

8. A method for controlling, by a smart card, a plurality of payment instruments stored in the smart card, the method comprising:

detecting, by the smart card, a control request generated by a user equipment physically separated from the smart card when the user equipment recognizes one of a tapping operation and a tagging operation made on the smart card, wherein the user equipment is one of a smart phone, cellular phone, a mobile device, a handheld computer, a laptop, a tablet personal computer (PC), a pad-like device, a personal digital assistant (PDA), a portable multimedia player (PMP), and a navigation device;

activating, by the smart card, a predetermined applet in response to the detected control request;

changing, by the activated predetermined applet stored in the smart card, priorities of payment instrument applets, stored in the smart card and each storing information on an associated payment instrument; and

setting, by the smart card, a payment instrument applet having a highest priority as a primary payment instrument applet.

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

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

initiating an applet stored in the smart card and matched with the AID in the control request.

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

SELECT (AID)”

based on the received AID in the control request.

11. The method of claim 8, wherein the changing comprises:

executing at least one applet configured to change the priorities of the payment instrument applets in response to the activated predetermined applet.

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

UPDATE DATA( )”

.

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

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

increasing priorities of the other payment instrument applets by one.

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

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

checking whether a payment instrument applet storing information on the desired payment instrument is stored in the smart card;

assigning a highest priority to a payment instrument applet 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 request;

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 instrument applets.

16. The method of claim 8, comprising:

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

17. The method of claim 8, wherein the user equipment is configured to recognize one of the tapping operation and the tagging operation and generate the control request when the user equipment detects the smart card in a predetermined distance through near field communication.

18. A smart card comprising:

an input/output circuit configured to receive a control request from a user equipment physically separated from the smart card when the user equipment detects a predetermined single operation made on the smart card, wherein the user equipment is one of a smart phone, cellular phone, a mobile device, a handheld computer, a laptop, a tablet personal computer (PC), a pad-like device, a personal digital assistant (PDA), a portable multimedia player (PMP), and a navigation device;

a memory configured to store a plurality of payment instrument applets each assigned with a priority and information on an associated payment instrument, a setup applet, and a management applet; and

a processor configured to activate at least one of the setup applet and the management applet in order to change the assigned priority of at least one payment instrument applet stored in the smart card in response to the control request and to set a payment instrument applet having a highest priority as a primary payment instrument applet.

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 request 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 instrument applets 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.