KR101013162B1 - System for Relaying Application and Service Code for Card with ICC and MS - Google Patents

Abstract

The present invention relates to a mixed card application or service code relay system, wherein a service code for an MS (Magnetic Stripe) card corresponding to an application for a smart card (or IC card) and an application for the smart card (or IC card) or the Means for storing and managing a service code for a magnetic stripe (MS) card and an application for a smart card (or IC card) corresponding to the service code for a magnetic stripe (MS) card in a predetermined storage medium or database; Means for displaying and presenting to the client the application code for the corresponding smart card (or IC card) and the service card for the MS card stored in a medium or a database, and for the displayed smart card (or IC card) the application and the MS card Select and request a service code for And means for providing the requested smart card (or IC card) application and service code for the MS card to the client mixed card over a wired or wireless communication network.

Mixed Card

Description

System for Relaying Application and Service Code for Card with ICC and MS}

1 is a simple configuration diagram of a mixed card application (or service code) production and relay system according to the present invention.

2 is a simple flowchart of a method for producing and relaying a mixed card application (or service code) according to the present invention.

3 is a production code for the smart card (or IC card) application or the MS (Magnetic Stripe) card service location is located in the production client 125, the smart card (or IC card) application or MS (Magnetic Stripe) It is a simple configuration diagram for the case of relaying the service code for the card in the relay server 115.

4 is a production code for a smart card (or IC card) application or a service strip for a magnetic stripe (MS) card in the production client 125, and the smart card (or IC card) application or MS (Magnetic Stripe) It is a simple flowchart for the case of relaying the service code for the card in the relay server 115.

5 is a simple configuration embodiment for the case where a smart card (or IC card) application or a service code for MS card production location is in the web server 100 and the web server and the relay server are the same.

6 is a simple configuration embodiment of the case where a smart card (or IC card) application or an MS card service code production location is in the production client and the web server and the relay server are the same.

FIG. 7 is a simple configuration embodiment of a case where an application or a service code production tool is divided into a server-side production tool and a client-side production tool.

<Description of main parts of drawing>

100: web server

105: Authoring Tools

110: source code D / B

115: relay server

120: application / service code D / B

125: Authoring Client

130: Demand Client

135: card terminal

The present invention provides a service code for an MS (Magnetic Stripe) card or a service code for the MS (Magnetic Stripe) card corresponding to an application for a smart card (or IC card) and an application for the smart card (or IC card). Magnetic Stripe) means for storing and managing an application for a smart card (or IC card) corresponding to a service code for a card in a predetermined storage medium or database, and the mutually corresponding smart card (or stored in the storage medium or database). Means for displaying and presenting the application code for the IC card and the service code for the MS card to the client, and when the client selects and requests the displayed application for the smart card (or IC card) and the service code for the MS card, the wired or wireless communication network The requested swap with the client mixed card through An application or service code relay system for a mixed card, comprising means for providing an application for a mart card (or an IC card) and a service code for an MS card.

In recent years, the use of smart cards or IC cards that have excellent security and applicability in existing MS-type cards is increasing rapidly.

Generally, a smart card is also called an integrated circuit card or an IC card, and is a card in which a semiconductor chip including IC memory and a central processing unit is embedded, and has a larger memory capacity than a conventional magnetic stripe (MS) card. It is a next-generation card that includes data and information management functions as well as security functions such as encryption processing and authentication of connection targets through operation function through CPU, and stores various digital information by embedding central processing unit and various memory elements. And an IC (Integrated Circuit) card in the form of a credit card that can be arithmetic processed, and the IC chip mounted on the smart card includes a central processing unit, a read only memory (ROM), a random access memory (RAM), and an electrically erasable and EEPROM. It consists of Programmable Read Only Memory or Flash Memory, and acts as a small computer without input and output devices. do.

In addition, the central processing unit of the smart card is a core component that executes and computes program instructions of the operating system (COS), and is called a CPU / MPU (Central Processing Unit / Micro Processing Unit). It is included in the Application Protocol Data Unit (APDU) to interpret the commands delivered to the smart card and processes the corresponding operations.The ROM of the smart card is a read-only memory that stores indelible information. , A smart card operating system (COS), a language interpreter, and a variety of security codes. The RAM holds the operating system, applications, and data currently in use for quick access to the central processing unit. Memory, which stores all data executed or computed through the smart card's central processing unit. In addition, the EEPROM or flash memory of the smart card is the memory where the application for the smart card running on the smart card platform is stored. The data and information can be selectively read, added, changed and deleted. In general, most smart card applications on smart cards are stored in EEPROM or flash memory.

In general, smart card services include smart cards with IC chips, CAD (Card Acceptance Devices) for communication between smart cards and smart card terminals, smart card terminals with host applications, and smart card terminals and servers. Network, and a server that provides smart card services for smart cards. A smart card is a card that has a smart card application installed in a smart card application area on an IC chip. According to the interface method, it is classified into Contact Card, Contactless Card, Hybrid Card, and Combination Card. Depending on the presence of the central processing unit, memory card and microprocessor Can be classified as a card, smart card It can be classified as single-purpose and multi-purpose card, cards, depending on the application purpose.

The CAD connects the smart card to the smart card terminal by transmitting an APDU packet corresponding to the smart card command from the smart card terminal to the smart card and transmitting the APDU packet corresponding to the smart card response from the smart card terminal to the smart card terminal. As a device, a communication path between a smart card and a smart card terminal is made in a half-duplex method.

That is, the data contained in the APDU packet is transmitted from the smart card terminal to the smart card, or transmitted from the smart card to the smart card terminal, but the above process is not performed at the same time.

According to ISO-7816, in the communication method between the smart card terminal and the smart card, when the smart card terminal transmits a command to the smart card terminal through an APDU packet, the smart card performs an operation corresponding to the command, and the result It responds to the smart card terminal through the APDU packet.

The smart card terminal is a host system that transmits a smart card command to the smart card and substantially performs a given task through a response received from the smart card. The smart card terminal is hardware-communicated with the smart card through a CAD. Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA) In addition, wireless terminals including smart phones, credit authorization terminals (CAT), point of sales terminals, automatic teller machines (ATMs), and cash dispensers (CDs) , Or kiosks all play the role of smart card terminals.

The host application mounted in the smart card terminal is an application corresponding to at least one smart card application mounted in the smart card application area. The host application may be a smart card application mounted in the smart card through an APDU packet. An application that sends a card command, receives a smart card response generated by the smart card application to be executed, and processes a task corresponding to the smart card response. In addition, the communication between the smart card and the smart card terminal is the confidentiality, authentication, integrity, and nonrepudiation of communication by the provisions of ISO-7816 for the smart card. Security system such as this is applied.

Recently, a smart card is a multi-purpose combination card equipped with a central processing unit, which is capable of executing a program regardless of the card manufacturer, and is aiming at an open platform that is independent of the platform and that can be installed and deleted even after issuing a card.

Representative smart card open platforms include Javacard, MULTOS, Smart Card For Windows (SCFW), and SmartTEC OS. Javacard is a Java Virtual Machine (CVM) on top of COS (Chip Operating System). It is an open smart card platform. It is an open smart card platform based on general purpose with existing smart card terminals for online program downloading, internal program modification, one or more application programs, and communication.

MULTOS is a smart card platform with MVM (MEL Virtual Machine) designed as MEL (Multos Executable Language), a unique interpretation language on MULTOS, a multifunctional operating system developed by Mondex and supported by MAOSCO, an industry consortium led by Mondex. It is an open smart card platform that is being used for various smart card applications in Europe, and is mounted in electronic money using smart cards in Korea.

SCFW card is a smart card platform that is equipped with VBVM (Visual Basic Virtual Machine) in the MS Kernel (MicroSoft Kernel) of 8bit operating system dedicated to smart card developed by Microsoft, and through Microsoft Visual Basic. It is an open smart card platform designed to allow general developers who do not have a thorough knowledge of smart cards to approach smart card service development.

Such an open smart card platform has a different structure according to the features of the language supported by the platform and the COS mounted on the smart card, such as Java Card, MULTOS, or SCFW. Generally, the open smart card platform is composed of silicon chips. COS, a smart card operating system, is installed on the hardware, and a virtual machine and a card manager are mounted on top of the hardware, and a smart card application is mounted on the virtual machine. It consists of a structure.

As described above, the hardware of the smart card platform includes a central processing unit, a read only memory (ROM), a random access memory (RAM), and an electrically erasable and programmable read only memory (EEPROM) or a flash memory. In some cases, a coprocessor for an Elliptic Curve Crypto system (ECC) and / or a Rivest-Shamir-Adleman (RSA) encryption operation is installed.

In addition, the hardware of the smart card platform is equipped with a chip on board (COB) (8-contact board) and / or a radio frequency (RF) antenna that provides a communication connection with the smart terminal via CAD. The operating system (COS) of the smart card platform is a system program embedded in the IC chip's ROM to drive the smart card, and each smart card manufacturer and smart card issuer have developed and used different COSs. Even for the platform, the COS that is mounted on the smart card can be different. In general, COS runs the first time a smart card is booted, and communicates between the smart card and CAD, reads and writes data from internal memory, authenticates users, and controls file access and execution of smart card applications through card management programs. Do this.

On the other hand, the characteristics of the open smart card platform as described above is characterized by the cooperation of the card issuer and the smart card application service organizations, and each of the card issuer that changes frequently even after the smart card produced by the card manufacturer is issued to the smart card user through the card issuer, It supports Post Issuance smart card application service that can share smart card application area with smart card users.

The post-issuance server is a post issuance server for smart card applications as an open smart card application area through smart card terminals on the wired / wireless Internet and network. It is a server system that is installed in a partner of a smart issuing authority and a smart card application service organization that have been granted an access code.

The post-issuance server is equipped with a D / B storing a smart card application to be mounted on the smart card, and delivers the smart card application stored in the D / B to the smart card terminal through a network. The host application of post-issues the smart card application stored in the D / B to the smart card application area through the process of mounting the delivered smart card application as the smart card application area.

Smart card application The smart card terminal and host application of the post-issuance system include the functions and roles of the smart card terminal and / or host application. In addition, the smart card application provided by the post-issuance server is a smart card with an open platform. It is characterized in that it is provided with the function of issuing and mounting to the application area, and in general, the process of post-issuing a smart card application with an open smart card equipped with an open platform through a smart card application post-issuance system is performed by ① an open platform. The smart card is linked with the smart card terminal through CAD, and ② confidentiality, authentication, integrity, and non-repudiation between the smart card terminal and the smart card based on the smart card regulations including ISO-7816. The security system is applied through the validation process, and ③ the confidentiality, authentication, integrity, and security of the issuing server and smart card terminal based on at least one cipher system among public key and / or symmetric key based encryption systems. And apply a security system to confirm non repudiation, ④ the host application of the post-issuance server and / or smart card terminal selects the smart card application to be post-issued as an open smart card, and ⑤ the post-issuance server is sent to the smart card terminal. Transfer the smart card application to be post-issued to the open smart card application area, or the smart card terminal downloads the smart card application to be post-issued from the post-issuance server to the open smart card application area, and ⑥ the host application of the smart card terminal isApplication is issued and stored in the smart card application area of the smart card with an open platform based on the post-issuance regulations. (7) The operating system and / or card management program of the smart card with the open platform is described above. Likewise, the information on the smart card application issued and stored in the smart card application area is updated and managed in the memory map or the file allocation table.

The smart card application post-issued through the above process provides the smart card service in the same way as the smart card application previously issued to the smart card through the smart card system.

As discussed above, smart cards or IC cards have made great progress with excellent security and applicability.

However, even though these open smart card platforms allow for the development of smart card applications through relatively easy-to-develop and universal development tools, such as Java, MEL, or Visual Basic, the card issuers' partners and smart cards. In order to develop smart card applications that allow application service organizations and each smart card user to share the smart card application areas, it is necessary to understand the internal structure of the open smart card platform and to have a thorough knowledge of the application methods. Of course, it is necessary to obtain an access code for the smart card application area through an organic cooperation system with the smart card issuing organization.

Accordingly, by limiting accessibility and development of the smart card application to general smart card users greatly, smart card users cannot actually make or trade their own type of application. It is an opportunity to suppress the potential expansion of the card industry.

In addition, even if a smart card application is issued to the smart card to be used in an affiliated store, there is a problem in that the terminal of the affiliated store cannot use the smart card interface, and the use rate of the smart card terminal decreases. It is acting as a major deterrent to industrial development.

Due to this background, on the other hand, the issue and use of a mixed card for issuing a smart card and an existing MS card at the same time on a single card is still possible. However, the application or service code for the mixed card can be produced or relayed by the general public. The situation is lacking much.

An object of the present invention to solve the above problems is a service code for the MS (Magnetic Stripe) card corresponding to the application for smart card (or IC card) and the application for the smart card (or IC card) or the MS (Magnetic) Means for storing and managing a smart card (or IC card) application corresponding to a service code for a stripe card and a service code for a magnetic stripe (MS) card in a predetermined storage medium or database, and the storage medium or database. Means for displaying and presenting the corresponding service code for the smart card (or IC card) and the service card for the MS card to a client and the service code for the application for the displayed smart card (or IC card) and the MS card stored in the client. If you choose to request, Is the client in the requested mix card smart card (or IC card), an application or service code for mixed card and means for providing a service code for an application and MS cards for transit systems to provide.

The mixed card application or service code relay system according to the present invention is a service code for an MS (Magnetic Stripe) card or the MS corresponding to an application for a smart card (or IC card) and an application for the smart card (or IC card). Means for storing and managing an application for a smart card (or IC card) corresponding to a service code for a magnetic stripe card and a service code for a magnetic stripe card in a predetermined storage medium or database; Or means for displaying and presenting to the client the application code for the corresponding smart card (or IC card) and the service card for the MS card stored in a database and for the application and the MS card for the displayed smart card (or IC card). Select your service code to request, wired or And means for providing the requested smart card (or IC card) application and service code for the MS card to the client mixed card through a wireless communication network.

Hereinafter, an embodiment of a method for producing and relaying the mixed card application (or service code) will be described in detail with reference to the accompanying drawings and description.

However, the following drawings and descriptions are for representative methods among various methods for properly describing the present invention, and the present invention is not limited only to the following drawings and descriptions.

That is, the present embodiment is a web server and a relay server separately shown in the drawings, and the web server and the relay server specify that the same server may be mutually interrelated.

1 is a simple configuration diagram of a mixed card application (or service code) production and relay system according to the present invention.

The production client 125 refers to a subject that produces a service code for an application for the smart card (or IC card) or a magnetic stripe (MS) card, and the demand client for the produced smart card (or IC card). The service code for the application and the MS (Magnetic Stripe) card is provided as a mixed card.

In addition, the production client 125 and the demand client 130 performs data communication with the web server 100 or the relay server 115 through a wired communication network or a wireless communication network, and the IC is used when the client uses a wired communication network. The chip terminal 135 is used as a medium to communicate with the web server 100 or the relay server 115, and in the case of using a wireless communication network, the web server 100 or the relay through a wireless communication device through a wireless communication device. Communicate with the server 115.

In the case of using the wireless communication network, the mixed card of the production client 125 and the demand client 130 may be mounted or detached from the client-owned wireless communication device.

In addition, the smart card (or IC card) application or in the process of the production client 125 and the demand client to perform data communication with the web server 100 or relay server 115 via a wired or wireless communication network or When the security and authentication of the service code for the MS (Magnetic Stripe) card is required, each of the production client 125, the demand client, the web server 100, the relay server 115 after receiving a certificate from the certification authority Encrypts data transmitted and received while the production client 125 and the demand client perform data communication with the web server 100 or the relay server 115 through a wired or wireless communication network. It is stated that it can be implemented by treatment.

The production client 125 accesses the web server 100 and uses a smart card (or IC) in the web server 100 using an application or service code production tool 105 provided by the web server 100. Create an application for a card) or a service code for an MS card.

The demand client 130 connects to the relay server 115 and selects an application or service code of its choice and receives the request from the relay server 115.

In addition, the production client 125 is connected to the web server 100 for the smart card (or IC card) required for the application or service code production tool 105 when the application for producing the smart card (or IC card) Application condition information required to generate smart card application construction information or production condition required to generate magnetic stripe service code construction information required for generating the service code for the MS card. Provide information to the web server 100.

Here, when the production is to be an application for a smart card (or IC card), the production condition information is the platform type of the smart card (or IC card) on which the application for the smart card (or IC card) and the production Application condition information for all smart cards (or IC cards) required for extracting application source code such as types of applications for smart cards (or IC cards) to be included, functions to be included, fields of use, and tasks to be performed. According to the present invention, an operation method and a processing sequence of the smart card (or IC card) application and a file structure to be stored in the application area of the IC chip may be provided.

In addition, when the production client 125 intends to produce the service code for the MS card, the production condition information means the type of the service for the MS card, a function included, an application field, a performance task, and the like.

In addition, when the production client 125 intends to produce a service code for an MS card, the production condition information may include card information of a client (including the production client itself) who intends to use the produced service code for the MS card. (Including card numbers).

The process of including the card information (including the card number) of the client (including the production client itself) that wants to use the produced MS card service code is provided from the production client 125 in the service code production process as described above. After the service code is produced, the service code may be directly provided by the demanding client.

In the present invention, the web server 100 is the production client 125 so that when the production client 125 is connected through a wired / wireless communication network, the production client 125 can be provided with the production condition information. Presenting the production condition information input window or the selected item to the user, and referring to the production condition information input or selected by the production client 125, smart card application construction information or smart card (or IC card); Generating service code construction information for a card (Magnetic Stripe Service Code Construction Information) and providing the production client 125 with an application or service code production tool 105, the production client 125 and the production information and Using the production tool 105, the MS card or application for the smart card (or IC card) desired by the user The service for the MS card corresponding to the application for the smart card (or IC card) and the smart card (or IC card) application or the production of the service code for the MS card is completed. A code is generated and an application for a smart card (or IC card) corresponding to the produced service code for the MS card is generated.

Here, the means for generating the service code for the corresponding smart card (or IC card) and the MS card may use the application or the service code production tool 105, and a separate institution (application for the smart card) It can also be done by requesting an institution.

In addition, the web server 100 issues the corresponding smart card (or IC card) application and MS card service codes to the production client 125 or the relay server 115 described below. A service code for an MS card and an application for a corresponding smart card (or IC card) are provided.

Here, the process of issuing the service code for the corresponding smart card (or IC card) application and the MS card, first, the smart card (or IC card) to the IC chip area in the mixed card of the production client 125 The application information to be installed and installed, and the card information derived from the magnetic stripe (MS) area in the mixed card of the production client 125 and the service code for the MS card are interworked with each other to be located on a wired / wireless network. To a storage medium.

The smart card (or IC card) application provided to the IC chip area in the mixed card of the production client 125 as described above is useful when the production client 125 uses the mixed card in the IC card terminal. The service code for the MS card stored in the storage medium is processed in association with the card information derived from the magnetic stripe (MS) area of the mixed card of the production client 125, and the production client 125 uses the MS card as the MS card. It is useful when used in the terminal.

Here, when the production client 125 produces an application for a smart card (or an IC card), the application or service code production tool 105 is mounted on the web server 100 and the smart card (or IC). The application source code (Smart Card Application Raw Code; hereinafter referred to as 'application source code', 'raw code' or 'object') through application production information for a card); In the following, the process is processed into a 'application source code' or a 'source code') and personalized to compile an application for a smart card (or IC card).

In the present invention, the application or service code production tool 105 is designed to be abstracted to comply with the smart card (or IC card) standard when the production client 125 produces an application for a smart card (or IC card). Processed object, that is, application source code, into application source code by referring to application production information, applying smart card (or IC card) user information to the application source code, and then performing a series of operations such as verification, conversion, and operation. Smart card (or IC card) application through the source code compilation process, and the smart card (or IC card) application to the smart card (or IC card) user's smart through the wired or wireless network A card that transfers and mounts a card (or IC card). It is an application software for authoring bit card (or IC card).

According to the present invention, when the production client 125 produces an application for a smart card (or IC card), the application or service code production tool 105 is an existing application development environment for a smart card (or IC card). This is not it.

Existing application development environment for smart card (or IC card) is smart by developer coding application source code with text editor and compiling the above code with compiler, or coding and compiling through integrated development environment with built-in text editor and compiler. You are developing an application for a card (or IC card).

On the other hand, the application or service code generator 105 of the present invention is an object abstracted in compliance with the smart card (or IC card) standard, that is, the application source code, the application source code extraction information, the application source code combination information, and the smart card Application source information such as (or IC card) attribute information and object-oriented programming are combined to assemble the application source code to produce an application for a smart card (or IC card).

That is, the process of direct coding by a developer, such as an application development environment for an existing smart card (or IC card), creates an application that abstracts the object, that is, the application source code and the application source code according to the smart card (or IC card) standard. The process of combining information and object-oriented programming rules is automated.

When the production client 125 produces an application for a smart card (or IC card), the application or service code production tool 105 automates the application source code through the application production information and object-oriented programming rules as described above. The reason for generating the application source code for a smart card (or IC card) is that the input / output interface of the smart card (or IC card) application is generalized in the form defined in the smart card (or IC card) standard. Most of the major operations of applications for smart card (or IC card) are performed by the host application mounted on the smart card (or IC card) terminal 135, and the application for smart card (or IC card) is a command of the host application. Through processing the response corresponding to the logical structure This is because it can be abstracted to a generalized form.

That is, the application or service code production tool 105 collects application production information required to process the application source code into the application source code through the application production information collection step, and combines the application source code through the application source code processing step. To automate the creation of the application source code.

The application creation step for the smart card (or IC card) is used to personalize the application source code, verify that the application for the smart card (or IC card) is valid on the smart card (or IC card) to be loaded, and By converting it into a form that can be mounted on an IC card, and calculating it to be mounted on an actual smart card (or IC card), a smart card (which can be post-issued through a few mouse clicks and a simple application production information input process Or it provides a system and method for producing an IC card) application.

In addition, when the production client 125 produces an application for a smart card (or IC card), the application or service code production tool 105 may access a smart card (or IC card) application area. It also manages the access code for the card (or IC card) and the security code to be included in the application for the smart card (or the IC card), and the like. Process into application source code. Here, the application source code D / B 110 is mounted in the application or service code production tool 105 to perform the above role.

The application source code D / B 110 complies with the smart card (or IC card) standard and stores an abstracted object, that is, application source code, that can be combined into the application source code according to the application production method proposed by the present invention. Application source code is a generalized code consisting of API functions provided by the IC chip mounted on the smart card (or IC card) based on the COS and VM mounted on the smart card (or IC card). .

The application source code D / B 110 is composed of a tree-like hierarchical structure such as an MFC library of a desktop application, and satisfies encapsulation, inheritance, and polymorphism of object-oriented programming.

For example, an application source code that provides an encryption algorithm for a smart card (or IC card) includes an encryption object, a symmetric key-based encryption object and a public key-based encryption object that inherit the encryption object.

In addition, an EMV (Europay, Master Card, VISA) encryption object and SEED encryption object are inherited below the symmetric key-based encryption object, and an RSA (inherited by the object below the public key-based encryption object) exists. Rivest, Shamir, Adelman) and an Elliptic Curve Crypto (ECC) cryptographic object. The structure of the application source code D / B 110 is a software engineering method.

If the production client 125 mounts a public key based encryption scheme using an RSA encryption algorithm in an application for a smart card (or IC card) and applies it to a communication process with a host application, the production client 125 may apply to the application. Select the RSA encryption object that inherits the public key-based encryption object of the encryption object as the application source code extraction information of the production information, and the APDU (Application Protocol Data Unit) based smart card (or IC card) communication object as the application source code combining information. The application or service code generator 105 is configured to communicate with the public key-based RSA encryption source code and APDU-based smart card (or IC card) in the application source code D / B 110 through the process of selecting the encapsulation in the application. Extract the original code, based on the extracted public key You can encapsulate RSA-encrypted source code and include it as an object in the source code for APDU-based smart card (or IC card) communication.

The same process as the programmer inputs and codes the code through a text editor, the application or service code maker 105 logically connects the text file containing the application source code, each source code file This is done by inserting a string that declares the encapsulated object in the parent object, including the header file connected to the.

That is, the application or service code maker 105 refers to the application creation information to extract the application source code, and edits or adds the string on the extracted source code. Process and generate application source code automatically by taking care of what needs to be done.

* In the present invention, the application source code is an abstracted object to comply with the smart card (or IC card) standard, and is modularized to be used in the process of creating an application for a smart card (or IC card) through object-oriented programming ( Or IC card).

As described above, abstracted objects, that is, application source code, are application sources that can be combined and perform a single independent function as assembled by features such as encapsulation, inheritance, and polymorphism that are the characteristics of abstracted objects in object-oriented programming. It is processed into a cord.

In the present invention, the application source code is the application source code, that is, the application source code for the smart card (or IC card) combined as if the objects abstracted to comply with the smart card (or IC card) standard are assembled by the characteristics of the object-oriented program. to be.

If the application source code is abstracted to conform to the smart card (or IC card) standard, the application source code generated by combining the application source code according to the rules of object-oriented programming also conforms to the smart card (or IC card) standard. .

The application source code performs a series of tasks corresponding to the command of the host application 140 of the smart card (or IC card) terminal 135, and induces an appropriate response to the application for the smart card (or IC card). This smart card (or IC card) is application code for a smart card (or IC card) that can perform an application function for an independent smart card (or IC card) that can provide at least one or more services to be provided to the user.

In the present invention, the application production information is a combination of the application source code extraction information, the application source code extraction information for extracting the application source code designed to comply with the smart card (or IC card) standards for the production of applications for smart card (or IC card) Application source code combining information and smart card (or IC card) attribute information for processing into application source code, and the corresponding smart card (or IC card) before compiling through the process of verifying, converting, and calculating the application source code. Application-generated information for all kinds of smart cards (or IC cards) including smart card (or IC card) user information and the like used in the process of personalizing the application.

The application source code extraction information of the application production information is used to create an application for a smart card (or IC card) among the source codes stored in the application source code D / B 110 mounted in the application or service code production tool 105. Application production condition information for the smart card (or IC card) input or selected from the application production client 125 for the smart card (or IC card) to extract the application source code to be used, and a query generated from the input information. As the information corresponding to the smart card (or IC card), the application production client 125 is mounted on the smart card (or IC card) application through the interface provided by the application or the service code production tool 105. The platform type of the card (or IC card), Enter the application creation conditions for the smart card (or IC card) required to extract the application source code, such as the type of application for the smart card (or IC card) to be created, the functions to be included, the field of application, and the task to be performed. A query generated by the application or service code manufacturing tool 105 having the code D / B 110 mounted thereon to extract the application source code from the application source code D / B 110 based on the input information. Information corresponding to Query).

That is, the application source code extraction information of the application creation information is used for the actual smart card (or IC card) application among the application source codes designed for the application or service code generator 105 to comply with the smart card (or IC card) standard. As the information for extracting the application source code, the smart card (or IC card) production client 125 uses the smart card (or IC card) application from the function of the application for the smart card (or IC card) application or service code production tool 105 Information that determines which application source code is extracted to an application (or IC card).

For example, the production client 125 selects a Java card as a smart card (or IC card) platform through an interface provided by the application or the service code production tool 105, and selects electronic money, If you select or input the payment function as a function to be included, the fast food restaurant as an application field, and the fast food restaurant customer's CRM (Customer Relationship Management) information acquisition, the application source code D / B 110 is installed. A server-side application or a service code production tool 105 based on the input information to create an application for the input smart card (or IC card) among the application source code designed through Java in the application source code D / B 110. The application source code for an application, and that application source code And it generates a query to extract. At this time, the application source code extraction information is applied to the application source code for the application or service code maker 105 to produce an application for a smart card (or IC card) that satisfies the input information in the application source code D / B 110. Corresponds to the query for extraction.

For example, if the production client 125 inputs to mount a public key encryption algorithm in an application for a smart card (or IC card) to be produced through the application or service code production tool 105, the application or service code production tool. 105 extracts from the application source code the public key based source code that conforms to the smart card (or IC card) standard.

The application source code combining information of the application production information is information for combining the source code extracted from the application source code D / B 110 according to object-oriented programming, and the smart card inputted or selected by the production client 125 (or This information corresponds to the object combining rule derived from the operation method and processing order of the application for the IC card) and the file structure to be stored in the application area of the IC chip. The application or service code manufacturing tool 105 for processing the code is based on the operation method and processing order of the input smart card (or IC card) application and the file structure to be stored in the application area of the IC chip. Extract the application source code object-oriented program This information corresponds to the rules for combining according to ramming and processing into application source code.

That is, the application source code combining information is information that determines which application source code is combined in what way according to the order of processing that the application for the smart card (or IC card) needs to perform. When encrypting and digitally signing data through a key encryption algorithm, there are cases where encryption is preferentially processed and digitally signed, and electronic signatures are preferentially processed and encrypted. The rules for combining application source code apply differently depending on the processing of the application.

In addition, the application source code combining information as described above may be a smart card (or IC card) to be mounted in an application for a smart card (or IC card) input or selected by the application or service code production tool 105 in the production client 125. ) The conditions for creating an application for a smart card (or IC card) required for extracting application source code, such as the platform type, the type of application for the smart card (or IC card) to be produced, the functions to be included, the field of application, and the task to be performed. Based on the information, the operation method and processing order of the application for smart card (or IC card) and the file structure to be stored in the application area of the IC chip are determined according to predetermined rules. Note that it can also generate information.

Here, object oriented programming is a programming technique for developing an application through a modular object, which is a unit code integrating a data structure and operation of the data from a developer's point of view. Data abstraction, encapsulation, inheritance, and polymorphism.

The data abstraction of object-oriented programming defines the structure and data manipulation of data by generalizing only the reusable and reusable behaviors of an application. Abstracted objects provide developers with the structure and data of data in the application process. It provides a well-organized means to use manipulations effectively.

For example, if the task of communicating between the smart card (or IC card) and the smart card (or IC card) terminal 135 through object-oriented programming is abstracted as an object based on ISO-7816, the abstracted object May be repeatedly reused through a detailed process of allocating a type of data transmitted and received between the smart card (or IC card) and the smart card (or IC card) terminal 135.

In addition, the abstracted data structures and manipulations described above are a series of objects that are assembled after the objects are assembled in a factory production line through encapsulation, inheritance, and polymorphism, which are other features of object-oriented programming described below. Through a detailed process, it can be produced as an application for one independent smart card (or IC card).

The encapsulation of object-oriented programming hides the functionality of the contained objects in the process of including the abstracted objects in other objects. Encapsulated objects expose only externally accessible interfaces. Object data and methods are external. Restrict access from

In other words, an encapsulated object can be accessed through an interface, and not otherwise, and the object provides functionality defined through data abstraction to other objects that access through that interface.

For example, an object-oriented programming that communicates between a smart card (or IC card) and a smart card (or IC card) terminal 135 is based on the ISO-7816. ) And other objects that need to transmit / receive between the smart card (or IC card) terminal 135 to perform a communication operation between the smart card (or IC card) and the smart card (or IC card) terminal 135. Perform.

In this case, the object containing the object does not know how the included communication object works, and the object including the object defines a data type to be transmitted and received and transmits the data to the interface of the included communication object. ) And a transmission / reception operation between the smart card (or IC card) terminal 135.

The inheritance of object-oriented programming is to inherit the functionality of an abstracted object into that of another object, which is used just like that of an object that inherits that object.

That is, the inherited object is inherited by the function of the object that inherits the object, and the object that inherits the object can freely use the function of the inherited object as its own function.

For example, an object-oriented programming that communicates between a smart card (or IC card) and a smart card (or IC card) terminal 135 is based on ISO-7816. Is inherited as an object for identifying a PIN (Personal Identification Number) between the smart card (or IC card) terminal 135 and generalized to be used as a function for transmitting and receiving a PIN.

Polymorphism in object-oriented programming combines the functionality of abstracted objects into completely different functions. Polymorphized objects combine two or more functions into new features.

In other words, object polymorphism combines the functionality of an abstracted object with the functionality of one or more other objects to perform a new function that performs a new task of a completely different function.

For example, an object-oriented programming that communicates between a smart card (or IC card) and a smart card (or IC card) terminal 135 is based on an ISO-7816 object. In combination, it performs the function of an object that provides a public key based cryptosystem.

That is, most open smart card (or IC card) platforms support object-oriented programming, and such object-oriented programming is assembled through generalized and abstracted objects, as assembled by encapsulation, inheritance, and polymorphism. It can be produced as an application for smart cards (or IC cards).

However, even when an application for a smart card (or IC card) is produced by the above method, a process of detailing generalized objects according to actual tasks and roles that the application for the smart card (or IC card) needs to perform is required. In the present invention, the application or service code production tool 105 is to perform the detailed process of the abstracted object.

The smart card (or IC card) attribute information of the application production information is loaded by the application for the smart card (or IC card) while the application or service code generator 105 combines the application source code into the application source code. Information on the properties of the smart card (or IC card) to be used, physical and physical characteristics of the smart card (or IC card), shared information on the smart card (or IC card) application area, smart card (or IC card) application area It includes smart card (or IC card) information such as access code of.

In general, smart card (or IC card) attribute information is extracted by the application or service code production tool 105 through a wired or wireless communication network, and may be obtained from the production client 125 in some cases.

The user information of the application production information is combined with the application source code before the processed application source code is processed through a compilation process such as verification, conversion, and operation to be provided to a smart card (or IC card). Or personal information of a smart card (or IC card) user applying to an application for an IC card, the application or service code production tool 105 applies the respective smart card (or IC card) user information to the application source code. Through this process, applications for the same smart card (or IC card) can be distributed to different smart card (or IC card) users.

According to the present invention, when an application for a smart card (or IC card) is operated with reference to the smart card (or IC card) user information pre-built in the smart card (or IC card) of the smart card (or IC card) user. The process of applying smart card (or IC card) user information of application production information may be omitted.

If the application for a smart card (or IC card) that performs a coupon function on a smart card (or IC card) with a credit card function is produced and post-issued, the application for the smart card (or IC card) with the credit card function is provided. Personal information may be omitted in the process of producing an application for a smart card (or IC card) since the personal information of the user may be shared.

In this case, the process of receiving the smart card (or IC card) user information by the client-side application or the service code manufacturing tool 105 may be omitted.

Alternatively, when a smart card (or IC card) application is manufactured and post-issued on an IC chip mounted in a wireless terminal, smart card (or IC card) user information may be obtained from subscriber information D / B of a mobile communication system. Can be.

If the smart card (or IC card) user information necessary for personalization of the smart card (or IC card) application can be obtained from the D / B on the wired / wireless communication network as described above, the client-side application or service code production tool 105 ) Does not need to receive smart card (or IC card) user information in order to create an application for the smart card (or IC card).

On the other hand, if the application for a specific gate access smart card (or IC card) is produced on a smart card (or IC card) with a membership function, and then issued, the smart card (or IC card) may be used for identification. Personalization is required during application creation.

In the case described above, in order to produce an application for a smart card (or an IC card), a client-side application or a service code production tool 105 is used for a smart card (or an IC card) that is produced by receiving smart card (or IC card) user information. You need to personalize your application.

In addition, when the production client 125 produces the service code for the MS card, the application or the service code production tool 105 is mounted on the web server 100 and through the service code production information for the MS card. The production client 125 supports the production of the service code for the MS card.

The service code production support for the MS card first presents the service code production condition information input window or selection item to the production client 125 in the web server, and inputs or inputs from the production client 125 in the web server. The service code production information required for generating the service code is generated by referring to the selected service code production condition information, and the application or service code production tool 105 refers to the generated service code production information to generate a service code. Make it.

When the production client 125 produces the service code for the MS card, the application or the service code production tool 105 generates a service raw code corresponding to the service code production information, and generates the service code. By automatically combining the generated service source code (Raw Code) into a service code, the production client 125 supports the smooth production of the service code for the MS card.

The service code production condition information may include at least one type of the service code to be produced, a function to be included, an application field, a utilization merchant, a creator (destination) information, and the like. When 125) wants to further embody the service code, the service code may include a condition for restricting the age, gender, etc. of the user of the service code, and a condition for limiting the service code usage period or use location.

The service code production information may include a service code combination information for combining the service code production condition information and the service code production condition information based on the service code combination information for the service code production. Combination information, attribute information of a mixed card (or credit card) to be associated with the service code, and the mixed card (or credit card) user information used in the process of personalizing the service code.

In the present invention, the relay server 115 receives the service code for the corresponding smart card (or IC card) and the MS card from the web server 100 for each directory such as large, medium, and small categories. At least one or more mutually stored data stored in the database to the at least one demand client 130 which requests the service codes for the corresponding smart card (or IC card) and the MS card, and stores them in a predetermined database. Display and present the corresponding smart card (or IC card) application and / or service code for the MS card, wherein the demand client 130 selects the smart card (or IC card) application and the service code for the MS card. Station issuing to demand client 130 through a wired or wireless communication network To do.

Here, when the application for the smart card (or IC card) from the relay server 115 to the demand client 130 through a wired communication network to be provided via the smart card (or IC card) terminal 135. And, if using a wireless communication network is provided via the wireless communication device of the client.

In addition, issuing a service code for the MS card from the relay server 115 to the demand client 130 provides card information derived from the magnetic stripe (MS) area in the mixed card of the demand client from the demand client. After receiving or extracting from the member DB, the card information and the service code for the MS card is processed in association with the service code for the MS card to the demand client 130 to store in a predetermined storage medium located on a wired / wireless network. After issuing the card, when the demand client uses the mixed card in the MS card terminal, the service code linked with the card information is read from the storage medium with reference to the card information read by the MS card terminal. Extract it and make it useful.

In addition, when the relay server 115 displays and presents the corresponding smart card (or IC card) application and / or the service code for the MS card, the relay server 115 provides the corresponding smart card to the demand client 130. And a service code search window for an application (or an IC card) and / or an MS card, wherein the corresponding client is stored in the predetermined database with reference to a search word entered by the demand client 130 in the search box. The application code for the card (or IC card) and / or the service code for the MS card is extracted and presented to the demand client 130.

In addition, the relay server 115 when the demand client 130 selects and requests the corresponding application for the displayed smart card (or IC card) and / or the MS card, the demand client 130 ) For requesting payment for the requested application for the smart card (or IC card) and / or the service code for the MS card, and for the application for the requested smart card (or IC card) and / or MS card. After the payment for the service code is completed, it also serves to distribute revenue to the production client 125 that produced the service for the smart card (or IC card) and / or MS card for the payment.

The application / service code D / B 120 of the relay server 115 stores a service code for an MS card and an application for a corresponding smart card (or IC card) produced by the web server 100. / B

In the present invention, the relay server 115, which is divided to more easily explain the configuration and operation of the present invention, it is specified that the same server as the web server or can be interconnected.

The smart card (or IC card) terminal 135 is equipped with a host application that can read or write data to and read data from the smart card (or IC card) through a CAD (Card Acceptance Device). As a computing system, a personal computer, a credit authorization terminal (CAT), a point of sales terminal, a kiosk, a kiosk, and an automatic teller machine are usually equipped with a host application and a CAD. It includes all kinds of IC chip-based computing systems such as machines (ATMs), cash dispensers (CDs), and IC card payphones.

Here, the host application is a smart card (or IC card) terminal 135 application that communicates with the application for the smart card (or IC card) in the mixed card through the CAD, and uses the APDU of the smart card (or IC card) standard. It is a smart card (or IC card) terminal 135 application for recording or reading data to the IC chip of the mixed card via CAD.

According to the smart card (or IC card) standard, the host application is linked with the application for the smart card (or IC card) mounted on the mixed card, and transmits a command to the application for the smart card (or IC card) through the APDU. In addition, the smart card (or IC card) application serves to process the response returned through the APDU.

In the present invention, unlike the general host application that simply records and reads data into the mixed card, the host application uses the APDU to access the produced smart card (or IC card) application through the method of the present invention. It is a host application that performs post-issuance with a mixed card.

In general, the post-issuance host application is a smart card (or IC card) terminal 135 or a wireless communication device connected to the relay server 115 to request the smart card (or IC card) application for the smart card ( Or IC card) terminal 135.

CAD (Card Acceptance Device) is a device that actually records or reads data on the IC chip of the mixed card. According to the present embodiment, an application for a smart card (or IC card) manufactured by the method of the present invention is also CAD. It can be post-issued to the IC chip area of the mixed card through.

2 is a simple flowchart of a method for producing and relaying a mixed card application (or service code) according to the present invention.

According to the present invention, the mixed card application (or service code) production and relay method, the production client 125 for producing a smart card (or IC card) application or service code for the MS (Magnetic Stripe) card and the Providing an application or service code production tool 105 to a production client 125 so that the production client 125 can produce a service code for a smart card (or IC card) application or a magnetic stripe (MS) card. Service code or smart card (or IC card) for the MS (Magnetic Stripe) card corresponding to the service code for the smart card (or IC card) application or the MS (Magnetic Stripe) card produced by the production client 125 Application for the corresponding smart card (or IC card) and MS card Web server 100 issuing a code to the production client 125, or to provide a service code for the corresponding smart card (or IC card) application and MS card to the relay server 115 described below And, receiving the service code for the corresponding smart card (or IC card) application and MS card from the web server 100 is divided into a directory such as large classification, medium classification, small classification, and stored in a predetermined database For at least one mutually compatible smart card (or IC card) stored in the database to at least one or more demanding clients 130 requesting a service code for an MS card and an application for the corresponding smart card (or IC card). Display and present service codes for applications and / or MS cards, It comprises a relay server 115 for issuing the application code for the smart card (or IC card) and the MS card selected by the client 130 to the demand client 130 via a wired or wireless communication network, the production The client 125 accesses the web server through a wired / wireless communication network and receives or uses an application or service code production tool to produce an application for a smart card (or IC card), or the client connects to the web server through a wired / wireless communication network. Manufacturing a service code for an MS (Magnetic Stripe) card by using or receiving an application or a service code production tool 105 by accessing the web server 100 (200), and the produced smart card in the web server Create a service code for an MS (Magnetic Stripe) card corresponding to an application for (or IC card), or Producing an application for a smart card (or an IC card) corresponding to a service code for an MS (Magnetic Stripe) card, which is previously produced (205); and the application for the smart card (or an IC card) in the web server 100 And a service code for an MS (Magnetic Stripe) card corresponding to the application for the smart card (or an IC card), a service code for the MS (Magnetic Stripe) card, and a service code for the MS (Magnetic Stripe) card. (Or IC card) providing an application for the relay server 115, and the application for the smart card (or IC card) and the smart card (or IC card) in the relay server 115 Service code for magnetic stripe (MS) card, service code for magnetic stripe (MS) card and service code for magnetic stripe (MS) card corresponding to application Storing and managing an application for a card (or IC card) in a predetermined storage medium or database (215), and the corresponding smart card (or IC) stored in the storage medium or database in the relay server 115; Card) and service code for MS card and / or at least one or more mutually compatible smart card (or IC card) applications stored in the database to at least one or more demanding clients 130 requesting service code for MS card. Displaying and presenting, the process 220 for issuing the service code for the smart card (or IC card) application and MS card selected by the demand client 130 to the demand client 130 through a wired or wireless communication network (220) It is done by

In addition, the present invention benefits from the process of supplying the service code for the application for the smart card (or IC card) and MS (Magnetic Stripe) card from the relay server 115 to the mixed card owned by the demand client 130 It may include a process of distributing with the production client.

In addition, the production client 125 accesses the application production web server 100 through a wired / wireless communication network to receive or use an application production tool 105 for a smart card (or an IC card). Or an IC card) application, or the client accesses the application production web server 100 through a wired / wireless communication network to receive or use a service code production tool for an MS (Magnetic Stripe) card. (Magnetic Stripe) The process of producing a service code for the card, when the production client 125 is connected to the web server 100 via a wired or wireless communication network, the production client 125 from the web server 100 Presenting the application production condition information for the smart card (or IC card) or the service code production condition information input window or selection item for the MS card to the user 201, the service code for the application for the smart card (or IC card) or the magnetic stripe (MS) card by referring to the production condition information input or selected from the production client 125 in the web server 100 Generating the production information required at the time 202, the application for the smart card (or IC card) by referring to the generated production information from the application or service code production tool 105 in the web server 100 or And producing a service code for a magnetic stripe (MS) card (203).

Here, when the production client produces a smart card (or IC card) application, the smart card (or IC card) application production condition information, the platform of the smart card to be mounted in the smart card application to be produced And a type, a type of smart card application to be produced, a function to be included, an application field, and a task to be performed, wherein the smart card (or IC card) application production client 125 includes the smart card. In order to further specify an application for an (or IC card), the smart card application includes at least one operation method, a processing sequence, and a file structure to be stored in an application area of the IC chip.

In addition, the application production information for the smart card (or IC card), the application source for extracting the application source code designed to comply with the smart card (or IC card) standards for production of the application for the smart card (or IC card). Code extraction information, application source code combining information for combining the application source code into an application source code, and attribute information of a smart card (or IC card) on which the application for the smart card (or IC card) is to be mounted; And at least one smart card (or IC card) user information used in the process of personalizing the smart card (or IC card) application.

In addition, the step of producing an application for a smart card (or IC card) by referring to the generated application information for the smart card (or IC card) from the application or service code production tool 105 in the web server 100 Generating an application raw code (Applet Raw Code) corresponding to the generated application production information for the smart card (or IC card) from the application or service code production tool 105, and the application or service code production Automatically combining the generated application source code from the tool 105 into an application source code, and the combined application source code from the application or service code making tool 105 Apple for Smart Cards (or IC Cards) by compiling Source Code It comprises the step of making the indications.

In this case, when the production client produces the service code for the MS card, the service code production condition information includes at least a kind of the service code to be generated, a function to be included, a field of utilization, a utilization affiliate store, and a creator (destination) information. Characterized in that it comprises one or more, if the production client wants to further embody the service code, the conditions for limiting the age, gender, etc. of the user of the service code, and the service code usage period, use location, etc. It may also include a condition.

In addition, the service code production information, the service code combination information for combining the service code production condition information for generating the service code, and the service code combination for combining the service code production condition information based on the service code combination information Information, attribute information of the mixed card (or credit card) to be associated with the service code, and the mixed card (or credit card) user information used in the process of personalizing the service code.

In addition, the step of producing the service code for the MS card with reference to the generated service code production information from the application or service code production tool 105 in the web server 100, the application or service code production tool 105 ) Generating a service source code corresponding to the service code production information, and automatically combining the generated service source code into a service code.

In addition, the web server 100, the service code for the MS (Magnetic Stripe) card and the MS (Magnetic Stripe) card corresponding to the application for the smart card (or IC card) and the application for the smart card (or IC card) The application for the smart card (or IC card) corresponding to the service code for the service code and the MS (Magnetic Stripe) card to the relay server 115, the web server 100 is the relay server ( 115, the personal information data of the production client 125 is provided together with the corresponding smart card (or IC card) application and the service code for the MS card, wherein the smart card ( Or a service code for an MS (Magnetic Stripe) card corresponding to an application for an IC card) and an application for the smart card (or IC card) and the MS (Magnetic Str). ipe) storing the smart card (or IC card) application corresponding to the service code for the card and the service code for the MS (Magnetic Stripe) card in a predetermined storage medium or database, the management of the relay server 115 ) Associates the service code for the corresponding smart card (or IC card) and the MS card provided by the web server 100 with the personal information data of the production client 125 in a predetermined storage medium or It is characterized by storing in a database.

The interworking of the corresponding smart card (or IC card) application and MS card service code and the personal information data of the production client 125 may be stored in a predetermined storage medium or database in the future. To distribute to the production client the benefits generated by providing the corresponding smart card (or IC card) application and the service code for the MS card to the demanding client.

In addition, the relay server 115, the service code for the MS (Magnetic Stripe) card and the MS (Magnetic Stripe) card corresponding to the application for the smart card (or IC card) and the application for the smart card (or IC card). The process of storing and managing the smart card (or IC card) application corresponding to the service code for the service code and the service code for the MS (Magnetic Stripe) card in a predetermined storage medium or database, the relay server 115 The application code for the smart card (or IC card) and / or the MS card corresponding to each other provided by the web server 100 may be stored in a predetermined storage medium or database by dividing the service code for each subject and purpose, or the web server 100 Application code for the corresponding smart card (or IC card) and / or the service code for the MS card, such as It is characterized by storing in a predetermined storage medium or database by separating and dividing by directory.

In addition, at least one stored in the storage medium or database to the at least one demand client 130 requesting the service code for the corresponding smart card (or IC card) and / or MS card in the relay server 115 Displaying and presenting at least one mutually corresponding smart card (or IC card) application and / or a service code for the MS card includes: at the relay server 115, the corresponding smart card (or IC card) application and And / or providing a service code search window for the corresponding smart card (or IC card) and / or MS card to at least one or more demanding clients 130 requesting a service code for the MS card and the relay server. 115 from the demand client 130 to the corresponding smart card ( Is an application for a smart card (or IC card) and / or an MS card which are stored in the predetermined storage medium or database with reference to a search word entered in the application for the IC card) and / or the service code search window for the MS card. And extracting and displaying the service code for the demand client 130 and displaying the service code for the MS card and / or the at least one corresponding smart card (or IC card) application.

In addition, when the demand client 130 selects and requests a service code for the corresponding smart card (or IC card) and / or the MS card to be displayed, the demand client 130 is received from the relay server 115. (C) providing the requested application for the corresponding smart card (or IC card) and / or the MS card through the wire / wireless communication network, the demand client 130 displays the corresponding smart When the application for the card (or IC card) and / or the service code for the MS card is selected and requested, the requested application for the corresponding smart card (or IC card) from the relay server 115 to the demand client 130 is requested. And / or requesting a payment for a service code for the MS card, and the relay server 115 and the After the payment for the requested mutually corresponding smart card (or IC card) application and / or MS card service code between the client 130 is completed, the request server 130 is sent from the relay server 115 to the demand client 130. Providing a service code for the requested mutually corresponding smart card (or IC card) and / or an MS card via a wireless communication network; and at the relay server 115, the corresponding mutually paid smart card (or Distribution of revenue to the production client 125 that produced the application for the IC card) and / or the service code for the MS card.

In addition, when the demand client 130 selects and requests a service code for the corresponding smart card (or IC card) and / or the MS card to be displayed, the demand client 130 is received from the relay server 115. (C) providing a service code for a corresponding smart card (or IC card) application and / or MS card through a wired / wireless communication network to the IC chip area in a mixed card of the demanding client. The card (or IC card) application is provided to be installed, and the card information derived from the MS (Magnetic Stripe) area in the mixed card of the demand client and the service code for the MS card are processed in a wired / wireless network. Store in a predetermined storage medium located.

In addition, the present invention is to link the card information derived from the magnetic stripe (MS) in the mixed card of the demand client 130 and the service code for the MS card to a predetermined storage medium located on the wired / wireless network. Receiving the mixed card information of the demand client 130 from the demand client 130 for storing or extracting the mixed card information of the demand client 130 through the member information.

The smart card (or IC card) application provided to the IC chip area in the mixed card of the demand client 130 as described above is when the production client 125 uses the mixed card in the IC card terminal 135. The service code for the MS card stored in a storage medium by being processed in association with card information derived from a magnetic stripe (MS) area in the mixed card of the production client 125 may be used by the production client 125. Is useful when using in MS card terminal.

Providing and mounting the smart card (or IC card) application to the IC chip area in the mixed card of the demand client 130, the smart card (or IC card) application to the demand client 130 The smart card (or IC card) application is provided for the smart card (or IC card) by providing the demand client 130 to the PC using a wired communication network or by providing the demand client 130 with the wireless communication device using the wireless communication network. The terminal 135 may be mounted in the client-owned mixed card IC chip area through the terminal 135 or in the IC chip area of the mixed card mounted / detached on the client-owned wireless communication device through a wireless communication network.

3 is a production code for the smart card (or IC card) application or the MS (Magnetic Stripe) card service location is located in the production client 125, the smart card (or IC card) application or MS (Magnetic Stripe) It is a simple configuration diagram for the case of relaying the service code for the card in the relay server 115.

The production client 125 performs all of the roles shown in FIG. 1, but the production client 125 of FIG. 1 accesses the web server 100 to access the smart card in the web server 100. Or an IC card) application or a service code for an MS (Magnetic Stripe) card, while the production client 125 of FIG. 3 directly downloads an application or service code production tool 105 from the web server 100. The service code for the smart card (or IC card) application or the MS (Magnetic Stripe) card is produced directly.

In addition, when the production client 125 completes the production of the service code for the smart card (or IC card) application or the MS (Magnetic Stripe) card, the relay server 115 described below is used for the production of the smart card ( Or a service code for an IC card) or an MS (Magnetic Stripe) card.

In addition, the production client 125 presents the service code production condition information input window or selection item for the smart card (or IC card) application or the MS (Magnetic Stripe) card from the application or the service code production tool 105. In this case, the input window or the selection item is input or selected to provide the application or condition code production condition information for the smart card (or IC card) to the application or service code production tool 105.

In the present invention, when the production client 125 is connected through a wired or wireless communication network, the web server 100 provides an application or service code production tool 105 to the production client 125 to the production client (PC). Or installed on the production client's own wireless communication device, the production client 125 uses the application or service code production tool 105 for the smart card (or IC card) application or MS (Magnetic) desired by the production client. Stripe) supports the creation of service codes for cards.

Herein, the smart card application production information and production tool 105 are as described in FIG. 1, and the application or service code production tool 105 is the production condition input or selected from the production client 125. Generates the production information required for the production of the service code for the smart card (or IC card) application or MS (Magnetic Stripe) card with reference to the information, and the smart card (or IC card) with reference to the generated production information Create service code for your application or magnetic stripe (MS) card.

In the present invention, the relay server 115 is the same as described in FIG. 1, the application for the smart card (or IC card) or MS (Magnetic Stripe) produced by the production client 125 only in FIG. The service code for the card is provided by the web server 100, whereas the service code for the smart card (or IC card) or MS (Magnetic Stripe) card produced by the production client 125 is shown in FIG. There is a difference that is directly provided from the production client 125, the service code for the MS card corresponding to the smart card (or IC card) application produced by the production client 125 in the web server 100 in Figure 1 Generating a smart card (or IC card) application corresponding to a service code for the MS card produced by the production client, Create a service card for the MS card corresponding to the smart card (or IC card) application produced by the production client 125, and generate a smart card (or the service code for the MS card produced by the production client 125). The application for the IC card) is directly performed by the relay server 115.

4 is a production code for a smart card (or IC card) application or a service strip for a magnetic stripe (MS) card in the production client 125, and the smart card (or IC card) application or MS (Magnetic Stripe) It is a simple flowchart for the case of relaying the service code for the card in the relay server 115.

According to the present invention, a service code production location for the smart card (or IC card) or MS (Magnetic Stripe) card is located in the production client 125, and the application for the smart card (or IC card) produced. Alternatively, in the relay server 115, a service code for an MS (Magnetic Stripe) card may be relayed by the production client 125 using an application or a service code production tool from the web server 100 through a wired / wireless communication network. Providing an application for a smart card (or IC card) or manufacturing a service code for an MS (Magnetic Stripe) card (400) and the produced smart card (or IC card) in the production client 125 Providing a service code for an application or a magnetic stripe (MS) card to the relay server 115 (405); Produce a service code for an MS (Magnetic Stripe) card corresponding to an application for a credit card (or an IC card), or for a smart card (or IC card) corresponding to a service code for the manufactured MS (Magnetic Stripe) card The application code for the MS (Magnetic Stripe) card corresponding to the application for the smart card (or IC card) and the smart card (or IC card) in the process of producing an application (410), the relay server 115 And storing and managing an application for a smart card (or IC card) corresponding to the service code for the magnetic stripe (MS) card and the service code for the magnetic stripe (MS) card in a predetermined storage medium or database (415). And the MS card for the corresponding smart card (or IC card) stored in the storage medium or database in the relay server. Displays and presents to the at least one or more demanding client 130 requesting the service code for the service code for the at least one corresponding smart card (or IC card) and / or MS card stored in the database, the demand And a service code for the smart card (or IC card) selected by the client 130 and a service code for the MS card to the demand client 130 through a wired or wireless communication network (420).

In addition, the present invention is to produce the benefits generated in the process of supplying the service code for the smart card (or IC card) application and MS (Magnetic Stripe) card from the relay server 115 to the demand client-owned mixed card The process of distributing with the client 125 may be included.

In addition, the application code for the smart card (or IC card) or the service code for the magnetic stripe (MS) card is located in the production client 125, and the application for the smart card (or IC card) or the MS ( Magnetic Stripe) The service code for the card relay in the relay server 115, compared to the process of Figure 2, the production client 125 from the web server 100, the application or service code production tool 105 And directly downloading the smart card (or IC card) application or the service code for the MS (Magnetic Stripe) card, and the production client 125 to the relay server 115 Providing a service code for an application for a smart card (or IC card) or a magnetic stripe (MS) card and the smart at the relay server 115 Generating a service code for an MS card corresponding to an application for a card (or an IC card), and generating an application for a smart card (or IC card) corresponding to the service code for an MS card produced by the production client 125 Although different from each other, the technical matters made in each process are made in accordance with the above description with reference to FIG. 2.

5 is a simple configuration for a case where a smart card (or IC card) application or a service code for an MS card production location is in the web server 100, and the web server 100 and the relay server 115 are the same. The detailed description is omitted as an example.

6 is a simple configuration for the case where the application code for the smart card (or IC card) or the service code for the MS card is located in the production client 125 and the web server 100 and the relay server 115 are the same. The detailed description is omitted as an example.

FIG. 7 is a diagram illustrating a simple configuration of an application or service code production tool 105 divided into a server-side production tool 105-1 and a client-side production tool 105-2.

Detailed description of the components constituting each configuration is as described in FIG. 1, in the above embodiment, the application or service code production tool 105 is a server-side production tool 105-1 and a client-side production tool ( 105-2), the server-side production tool 105-1 and the client-side production tool 105-2 are provided in the application or service code described above with reference to FIGS. It performs by sharing the role of the production tool 105, and serves as a data exchange interface between the web server 100 and the production client 125 when the application or service code is produced.

Until now, the process of issuing a certificate including a certification authority in the contents described above with reference to FIGS. 1 to 7 or data encryption between components, and the like, have not been mentioned for the sake of simplicity. The smart card (or IC card) in the process of the production client 125 and the demand client 130 performs data communication with the web server 100 or the relay server 115 through a wired or wireless communication network When the security and authentication of the service code for the application or MS card is required, each of the client, the web server 100, the relay server 115 is issued a certificate from the certification authority to perform data communication, the client In the process of performing data communication with the web server 100 or the relay server 115 through a wired or wireless communication network It is noted that the encryption process of the received data may be included.

According to the present invention, it is possible for a client to develop an application for a smart card (or an IC card) or a service code for an MS card by itself through a relatively easy-to-develop and general development tool, and the client can generate the smart card (or When only one of the application code for the IC card or the service code for the MS card is produced, the other one is automatically produced and provided as a mixed card of the client (that is, when the client creates an application for the smart card (or IC card), the corresponding MS Automatically generate a service code for a card and provide it to the client, link it with a card number, and store it in a storage medium. When the client generates a service code for an MS card, an application for a smart card (or IC card) is automatically generated. Create and provide to the client-the mixed It is possible to greatly reduce the accessibility and developability of the smart card (or IC card) application or the service code for the MS card to general mixed card users. Allows users to create or trade their own application forms for smart cards (or IC cards) or service codes for MS cards, and use them through transactions for applications for smart cards (or IC cards) or service codes for MS cards. It is effective in preparing a new service industry for the card operating industry.

Claims (1)

The service code for the MS (Magnetic Stripe) card corresponding to the application for the smart card (or IC card) and the application for the smart card (or IC card), or the service code for the MS (Magnetic Stripe) card and the MS (Magnetic Stripe) A smart card (or IC card) application and an MS card service code, which are made up of an application for a smart card (or IC card) corresponding to a service code, are stored and managed in a predetermined storage medium or database. Way; Means for displaying and presenting a service code for an MS card and an application for the smart card (or IC card) stored in the storage medium or database; And If the client selects and requests the displayed smart card (or IC card) application and the service code for the MS card, the application for the requested smart card (or IC card) and MS to the card of the client through a wired or wireless communication network. Means for providing a service code for the card; the application or service code relay system for a mixed card comprising a.

Images