KR20050007012A - Method for Loading Application(or Data) - Google Patents

Abstract

PURPOSE: A method for loading an application to an ICC(IC Chip) of a client card is provided to automatically load the application to the ICC after a predetermined time in case that a storing capacity of an IC card is short, performance of a terminal to load the application is low, or a client wants to load the application after a period. CONSTITUTION: A server loading the application to the ICC of the client judges that the IC card is able to load the application. In the case that the application is not loaded or the client wants to load the application after the period, the server provides the IC card with a code corresponding to the application. The server stores the code to a storage by linking the code with the corresponding application(200). When the IC card is used, the code is transmitted to the server through a card terminal. The application is loaded to the IC card by making the server transmit the application extracted from the storage to the card terminal(250).

Description

How to load an application (or data) {Method for Loading Application (or Data)}

According to the present invention, when it is impossible to mount the application (or data) on the IC card, such as when the storage capacity of the IC card is insufficient, or when the performance of a terminal that mounts the application on the IC card is reduced, or the application is impossible. (Or data) after a certain period of time, the method for mounting the application (or data) for the IC card, the server that mounts the application (or data) on the integrated circuit chip (ICC) in the client card Determining whether the IC card can be loaded with an application (or data); when the storage capacity of the IC card is insufficient, or when the performance of a terminal for loading the application into the IC card is degraded. It is impossible to mount the application (or data) with a card Or if the application (or data) is to be loaded after a certain period of time, providing a code corresponding to the application (or data) from the server to the IC card, and a code provided from the server to the IC card. And interworking the IC card application (or data) corresponding to the code and storing the IC card application (or data) on a predetermined storage medium, and when the IC card is used, corresponding to the application (or data) mounted on the IC card through a card terminal device. Providing a code to the server, and extracting an application (or data) stored in the storage medium in association with the code based on the application (or data) corresponding code provided from the card terminal device at the server. Or an application (or data) associated with the code on the storage medium. In) step and the server to request comprises the step of: mounting the application (or data) into the IC card by providing the extracted or the supplied application (or data) from the storage medium to the card terminal device.

A smart card, also called an integrated circuit card or IC card, is a card that contains a semiconductor chip with IC memory and a central processing unit. The smart card has a larger memory capacity than a conventional magnetic stripe (MS) card and uses a CPU. The arithmetic functions include security functions such as encryption processing and authentication of connection targets, as well as management of data and information.

Such a smart card is capable of storing, adding, updating, and deleting a variety of information in a memory device embedded in the IC chip using an IC card terminal device, as well as calculating, processing, and processing the information. As an IC card, it provides fast and convenient services in various fields such as finance, communication, transportation, e-commerce, medical care, and access control.

The information stored in the memory device is provided based on a smart standard in the form of an application (or data) to provide a service of various fields. In the process of mounting the application (or data), the smart card is stored. If the capacity does not accommodate the new application (or data) or the terminal device is not capable of mounting the application (or data), it is difficult to add the new application (or data).

An object of the present invention to solve the above problems is to determine whether the application (or data) can be loaded from the server to the IC card when mounting the application (or data) on the integrated circuit chip (ICC) in the client card When the storage capacity of the IC card is insufficient, or when the performance of the terminal that mounts the application onto the IC card is degraded, or when it is impossible to mount the application (or data) onto the IC card or the application. (Or data) to be loaded after a certain period of time, providing a code corresponding to the application (or data) from the server to the IC card, and a code provided from the server to the IC card and the code. Predetermined storage by interworking with the corresponding IC card application (or data) Storing the information in the screen, providing the application (or data) corresponding code mounted in the IC card to the server through the card terminal device, and using the IC card in the server. (Or data) extracting an application (or data) stored in the storage medium in association with the code based on a corresponding code or requesting an application (or data) in association with the code from the storage medium; and Loading the application (or data) for the IC card, comprising providing the application (or data) extracted or provided from the storage medium to the card terminal device by the server to mount the application (or data) to the IC card. To provide a way for the storage capacity of the IC card If it is impossible to mount the application (or data) on the IC card, for example, or if the performance of the terminal that mounts the application on the IC card is degraded, or the application (or data) is loaded after a certain period of time. The present invention provides a method for automatically mounting the IC card application (or data) after a certain period of time.

Further, another object of the present invention is to mount an application (or data) on an integrated circuit chip (ICC) in a client card, and when the application (or data) cannot be loaded onto the IC card or the application (or data). In the case where the user intends to mount the IC card after a certain period of time, a function of generating a code corresponding to an application (or data) mounted on an integrated circuit chip (ICC) in the client card, and providing the generated code to an IC card And a function of interworking the code with an application (or data) for an IC card corresponding to the code and storing the code in a predetermined storage medium, and an application mounted on the IC card provided through a card terminal device when using the IC card. Or data) receiving a corresponding code, and receiving the received application (or data) corresponding code. Extracting an application (or data) stored in the storage medium in association with the code or requesting an application (or data) in association with the code from the storage medium, extracted or provided from the storage medium. An electronic information management program is provided for realizing a function of providing an application (or data) to the card terminal device and loading it onto the IC card.

1 is a simple configuration according to the present invention.

2 is a simple flowchart illustrating a process in which an application (or data) code is mounted on an integrated circuit chip (ICC) in a client card through a card terminal device according to the present invention.

3 is a simple flowchart illustrating a process in which a card terminal device mounts an application (or data) code on an integrated circuit chip (ICC) in a client card according to the present invention.

4 is a simple flowchart illustrating a process of receiving an application (or data) associated with the application (or data) code through an application (or data) code mounted on an integrated circuit chip (ICC) in a client card.

<Description of main parts of drawing>

100: server 105: application code extraction unit

110: mounting unit 115: code provided details D / B

120: storage medium 125: code information D / B

130: application information D / B 135: card terminal device

140: processor 145: card interface

150: client card

The present invention relates to a method of loading an application (or data), wherein the application (or the application of the IC card) is insufficient, such as when the storage capacity of the IC card is insufficient, or when the performance of a terminal mounting the application on the IC card is reduced. In the case where it is impossible to mount data) or when the application (or data) is to be mounted after a certain period of time, in the server that mounts the application (or data) on an integrated circuit chip (ICC) in the client card, the IC Determining whether an application (or data) can be loaded onto the card; when the storage capacity of the IC card is insufficient, or when the performance of a terminal loading the application onto the IC card is degraded. When it is not possible to mount an application (or data) If the application (or data) is to be mounted after a certain period of time, providing a code corresponding to the application (or data) from the server to the IC card, and the code provided to the IC card from the server and Interworking the IC card application (or data) corresponding to the code and storing the IC card application (or data) on a predetermined storage medium; and when the IC card is used, an application (or data) corresponding code mounted on the IC card through a card terminal device. Providing the server to the server, and extracting an application (or data) stored in the storage medium in association with the code based on the application (or data) corresponding code provided from the card terminal device. The application (or data) associated with the code to the storage medium Reaching out comprises the step of: mounting the application (or data) into the IC card by providing the extracted or the supplied application (or data) from the storage medium to the card terminal apparatus in step and the server.

According to the present invention, the step of providing the application (or data) extracted or provided from the storage medium to the card terminal device in the server to mount the application (or data) to the IC card, the application (or And deleting the application (or data) from the storage medium after loading the data into the IC card, and the application (or data) corresponding to the code previously stored in the storage medium in the server. When the validity of the application (or data) has expired or when the right to use the application (or data) is terminated due to a policy change of the application (or data) provider, etc. The card terminal device sends the validation result. It will be noted that the step may further comprise the step of transmitting to.

In the present invention, at least one of the cases where the application (or data) cannot be mounted includes a case where the storage capacity of the IC card is insufficient and a performance of the terminal that mounts the application on the IC card is reduced. It includes more.

In the present invention, the storage medium is included in the server, and / or included in the card terminal device, and / or characterized in that associated with the VAN.

In addition, in the present invention, the IC card includes being mounted or detached from the wireless terminal.

In addition, the present invention, when the application (or data) is mounted on the integrated circuit chip (ICC) in the client card, when the application (or data) can not be mounted to the IC card or after the application (or data) after a certain period of time In the case where it is intended to mount, a function of generating a code corresponding to an application (or data) mounted on an integrated circuit chip (ICC) in the client card, providing the generated code to an IC card, the code and the A function of interworking an IC card application (or data) corresponding to a code and storing it in a predetermined storage medium, and an application (or data) corresponding code mounted on the IC card provided through a card terminal device when the IC card is used. A function of receiving a code, based on the received application (or data) corresponding code Function to extract an application (or data) previously stored in the storage medium or request an application (or data) associated with the code to the storage medium, and an application (or data) extracted or provided from the storage medium. And an electronic information management program for realizing the function of loading the IC card to the card terminal device.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 shows a storage medium having a card 150 on which an application (or data) or application (or data) code is mounted, a server 100 on a network, and application (or data) or application (or data) code information. It is a simple block diagram of this invention including 120.

A preferred configuration in accordance with the present invention is a client card 150 having a smart card storage on which an application (or data) or application (or data) code is mounted, and an application associated with a particular application (or data) on a network ( Or data) a storage medium for storing the code 120 and a network server 100 for providing an application (or data) or an application (or data) code to the client card through a card terminal device 135 and the client card. Card terminal device 135 for mounting an application (or data) or application (or data) code in conjunction with 150 and / or extract the application (or data) or application (or data) code from the client card 150 It characterized in that it is configured to include.

According to FIG. 1, although the illustrated storage medium 120 is connected to the server 100 through a network to help the understanding of the present invention, it can be realized at any location on another network. For example, it will be apparent to those skilled in the art without departing from the spirit of the present invention, such as a VAN or a card terminal device.

According to the present invention, the storage medium 120 stores a specific application (or data) and a code (hereinafter, an application (or data)) corresponding to a specific application (or data) in association with each other. Or data) or application (or data) code.

According to the present invention, the application (or data) code is a lack of the client card capacity or the like at the time when the client receives the application (or data) and mounts the client card 150, or the card terminal 135 If the application (or data) cannot be obtained through a type (MS or IC) problem or the like, or if the application (or data) is to be loaded after a certain period of time, an application associated with the application (or data). (Or data) code is provided so that the application (or data) is provided when the capacity problem of the client card is solved later or the application (or data) can be provided through the terminal 135. Provide evidence.

The server 100 according to the present invention interworks with the storage medium 120 and provides an application (or data) code requested from a client or an application (or data) code associated with the application (or data) to a card terminal device. Or, it serves to mount on the client card 150 through the card terminal device (135).

The server 100 is composed of a mounting unit 110 and an application (code) extraction unit 105, etc., the mounting unit 110 is requested by the application (code) extraction unit 105 from the storage medium 120 To provide the extracted or acquired application (or data) to the affiliated store card terminal device 135.

In addition, when the client requests to mount a specific application (or data), the mounting unit 110 may apply an application (or data) to the client card based on the application (or data) mounting information of the smart card storage area of the card. Determine whether or not to load the application (or data) code associated with the application (or data), and the application (or data) code corresponding to the application (or data) or the application (or data). To be mounted.

For example, if the size of an application (or data) that the client requests to load into the integrated circuit chip (ICC) in the card is larger than the remaining capacity of the smart card storage area remaining in the integrated circuit chip (ICC), It is relatively small in comparison to (or data), and loads application (or data) code that provides a basis for downloading the application (or data) later.

Also, for example, when the client merchant card terminal 135 is not capable of loading the application (or data) requested by the client, the merchant card terminal 135 may provide an application (or data) for the application (or data). Or data) code to be mounted on the client card 150.

The application (code) extracting unit 105 in the server 100 is an application (or data) to the storage medium 120 to mount the application (or data) or application (or data) code on the card 150 of the client. ) Or to request and receive application (or data) code.

The code providing history database 115 in the server 100 is a database that stores application (or data) code providing details associated with an application (or data) provided to a client.

For example, the code providing detail information stored in the code providing detail database 115 includes corresponding code information, code providing date and time information, code usage information, and the like.

The card terminal 135 shown in FIG. 1 serves to mount an application (or data) or application (or data) code into the client card 150 substantially through the card interface 145. In a preferred embodiment of the present invention, the card terminal 135 is at least one of a credit authentication terminal (CAT), a point of sales (POS) system, a personal computer (PC), an auto teller machine (ATM), and a CD device. Characterized in that it comprises a.

The card interface 145 is a predetermined device for interworking the card terminal device 135 with at least one client card 150 equipped with an integrated circuit chip (ICC), and is an ISO / IEC 7816. And / or a data transaction between the card terminal device 135 and the smart card through a protocol such as an application protocol data unit (APDU) based on at least one smart card standard that satisfies ISO / IEC 14443 or the like. ).

In addition, according to the present invention, the card terminal 135 checks the smart card storage area of the client card 150 through the card interface 145, so that the application (or data) requested by the client can be loaded. It is further characterized by a predetermined processor 140 to determine whether it is possible.

The processor 140 in the card terminal device 135 controls and manages the operation of the card terminal device 135, and additionally determines whether the application (or data) requested by the client can be stored in the client card. If there is not enough storage space in the integrated circuit chip (ICC) to mount the application (or data), provide the application (or data) code associated with the application (or data) through the card interface 145. (Such as when the storage medium is directly linked with the card terminal device, or when the storage information stored in the storage medium is stored in the memory inside the card terminal device), or whether the application (or data) can be stored. Decision information (or the client card remaining capacity information, etc.) The storage medium is connected to a server on a network, or the card terminal device 135 does not have a function of loading an application (or data) such as CAT. Etc).

In addition, the card terminal 135 is at least one or more card interfaces for transactions with the client card 150, and at least the MS interface, chip interface, wireless data communication (RF, Bluetooth, WLAN, infrared, etc.) interface, etc. Contains one or more.

The client card 150 has a smart card storage area on which at least one application (or data) or application (or data) code is mounted, and includes ISO / IEC 7816 and / or ISO / IEC 14443. According to the integrated circuit chip (ICC) standard, the integrated circuit chip (ICC) may include at least one or more arithmetic processing elements (eg, a central processing unit (CPU), a micro process unit (MPU), a coprocessor) ), At least one memory device (eg, Read Only Memory (ROM), Random Access Memory (RAM), Electrically Erasable and Programmable Read Only Memory (EEPROM), Flash Memory (FM)), and the computing device and the memory device. It consists of a bus (BUS) for connecting.

In addition, at least one of the memory devices includes a chip operating system (COS) for managing and operating a smart card internal resource, and at least one of the remaining memory devices includes an application (or data) according to the present invention. Or at least one digital information for mounting an application (or data) code.

According to the present invention, data communication between the card terminal device 135 and the integrated circuit chip (ICC) in the client card is preferably performed through a predetermined procedure.

For example, when the client card 150 is inserted into the card interface 145 of the card terminal device 135 and the card contact is connected and activated by the card terminal device 135, the card is reset (RST). The card terminal 135 and the integrated circuit chip (ICC) establish communication for data communication.

When communication is established between the card terminal 135 and an integrated circuit chip (ICC), a reset response (ATR) by the card 150 proceeds, and the card 150 and the card terminal apparatus 135 exchanges data.

2 and 3 are flowcharts illustrating an embodiment of the present invention, in which an application (or data) code is provided in providing an application (or data) code to the card terminal 135 and / or a client according to the present invention. The subjects confirming whether the loading conditions are satisfied are divided and presented as a server 100 or a card terminal device 135 on the network. In this embodiment, the storage medium 120 is connected to the network or the card terminal 135. It is described to be located in conjunction, which is intended to present an embodiment of the present invention, the storage medium 120 may be located in more various locations (eg, VAN or VAN company server, etc.) according to the implementation method of those skilled in the art. It can be stated.

2 is a simple flowchart illustrating a process in which an application (or data) code is mounted on an integrated circuit chip (ICC) in the client card 150 through the card terminal 135.

In this figure, for an application (or data) requested by a client, the server according to the present invention depends on a card terminal device model (performance, etc.) to mount the application (or data) as a client card (or the application (or data)). The card may be unable to be loaded or the application (or data) is to be loaded after a certain period of time, according to the remaining space of the smart card storage area of the integrated circuit chip (ICC) in the client card to be loaded. The present invention relates to a process for providing an application (or data) code associated with the application (or data) through a terminal device.

The flow diagram is initiated by storing a particular application (or data) and application (or data) code associated with the application (or data) in a storage medium 120 on a network in accordance with the present invention (200).

When the client requests to mount the application (or data) through the card terminal device 135 (205), the card terminal device 135 receives the application (or data) information and card information requested from the client network; Provided to the server 100 through (210).

The server 100 checks the card terminal device model and / or card information (storage capacity information, etc.) to determine whether to provide an application (or data) code (215).

The determination of whether the application (or data) code is provided may include, for example, not being a terminal having the capability of providing the application (or data) to the card terminal device 135 or storing the smart card included in the card information. When the capacity information of a region is not sufficient to mount the application (or data), to provide a predetermined code (code associated with the application (or data)), not an application (or data) requested by the actual client. By judging, when the conditions for receiving the application (or data) are provided to the client card 150, the basis for providing the application (or data) based on the code is provided.

If the card terminal 135 is a terminal capable of providing an application (or data), or the capacity information of the smart card storage area included in the card information may be loaded with the application (or data). If enough (220), check whether the application (or data) requested by the client is available, and if the application (or data) requested by the client is available (225) the card terminal device 135 requested by the client Provide an application (or data) (230).

The card terminal 135 mounts an application (or data) provided from the server 100 to an integrated circuit chip (ICC) in the client card 150 (235).

On the other hand, the card terminal 135 is not a terminal capable of providing an application (or data), or the capacity information of the smart card storage area included in the card information is the application (or data). If it is not enough to mount (240), it is determined to provide an application (or data) code associated with the application (or data), and provides the application (or data) code to the card terminal device (135). (245).

The card terminal 135 mounts an application (or data) code provided from the server 100 to an integrated circuit chip (ICC) in the client card 150 (250). The client card loading process is terminated.

3 is a simple flowchart illustrating a process in which the card terminal device 135 mounts an application (or data) code on an integrated circuit chip (ICC) in the client card 150 according to the present invention.

In the figure, an application (or data) requested by a client is loaded (or the application (or data)) according to a card terminal device model (performance or the like) to which the card terminal device mounts the application (or data) as a client card. If it is impossible to mount the IC card (in accordance with the remaining space of the smart card storage area of the integrated circuit chip (ICC) in the client card), or if the application (or data) is to be mounted after a certain period of time, the application (or Embodiment of a process for providing an application (or data) code associated with the data).

According to the present invention, an application (or data) and a code associated with the application (or data) are stored in the storage medium 120 (300), and the server 100 (or the storage medium) is stored in the storage medium. In operation 305, the information is stored in the storage medium 135 in association with 120 or provided to the card terminal device 135.

When the client 150 requests to mount the application (or data) through the card terminal 135, the card terminal 135 checks the storage capacity information of the client card 150, and the like. It is determined whether the application (or data) code is available (315).

The storage capacity information of the client card 150 and the like may be checked through the processor of the card terminal 135 to determine whether the provision of the application (or data) code is possible. Or when the condition that the data can be loaded (320) (eg, when the capacity information of the smart card storage area included in the card information is sufficient to mount the application (or data), etc.), the card The terminal device 135 allows the application (or data) to be mounted on an integrated circuit chip (ICC) in the client card 150 (325).

On the other hand, when the application (or data) requested by the client does not satisfy the condition that can be mounted (330) (for example, the capacity information of the smart card storage area included in the card information is the application (or data) Etc.), or determine to provide an application (or data) code associated with the application (or data), and the card terminal device sends the application (or data) code to the ICC in the client card. It is mounted on the (Integrated Circuit Chip) (335).

4 is a simple flowchart illustrating a process of receiving an application (or data) associated with the application (or data) code through an application (or data) code mounted on an integrated circuit chip (ICC) in a client card.

In FIG. 2, the application (or data) requested by the client in the processes of FIGS. 2 and 3 may be performed according to the type (performance, etc.) of the card terminal device in which the application (or data) is to be loaded into the client card 150. Depending on the remaining space of the smart card storage area of the integrated circuit chip (ICC) in the client card 150 on which the application (or data) is to be mounted, the application (or data) is not mounted, but instead the application ( Or a client card 150 provided with an application (or data) code associated with the data) to receive the application based on the application (or data) code.

For example, receiving the application based on the application (or data) code may be a problem of a card terminal device (performance, etc.) or an integrated circuit chip (ICC) in the client card 150 to which the application (or data) is to be mounted. When the remaining space problem of the smart card storage area is solved, or when the application (or data) is to be loaded after a certain period of time, when the predetermined period is reached, the application (or data) already loaded through the card terminal device. By providing the code to the server through the terminal device, it means that the actual application (or data) associated with the application (or data) code is provided, at this time, at least one or more mounted on the client card 150 Check each application (or data) for your code in bulk Can be mounted.

According to the present embodiment, an application (or data) code associated with a specific application (or data) is mounted on an integrated circuit chip (ICC) in the client card 150 through the process of FIG. 2 or 3 (400). Initiation (405) is made by making a connection to a card terminal apparatus via a card loaded with an application (or data) code.

The card terminal device extracts at least one or more application (or data) codes from an integrated circuit chip (ICC) in the card (410), and provides the extracted application (or data) codes to a server 100 on a network (415). The server 100 requests the storage medium 120 to provide the application (or data) (s) associated with the application (or data) code (420).

The validity of the provision of the application (or data) is checked before the procedure of providing the application (or data) is performed. For example, the validity of the application (or data) associated with the application (or data) code is constant. A period of time (e.g., an expiration date) has elapsed, or a right to use an application (or data) code is terminated due to a policy of another application (or data) provider.

If the validity of the provision of the application (or data) is authenticated (425), the server 100 provides the card terminal device 135 with the application (or data) received from the storage medium 120. In operation 430, the card terminal 135 mounts an application (or data) to an integrated circuit chip (ICC) in the client card 150 (435), thereby ending the process according to the present exemplary embodiment.

According to this figure, the storage medium 120 is shown to be operated in conjunction with the server 100 on the network, as described above, the storage medium 120 may be operated in conjunction with a card terminal device, VAN, etc. Reveals.

According to the present invention, when it is impossible to mount the application (or data) on the IC card, such as when the storage capacity of the IC card is insufficient, or when the performance of the terminal that mounts the application onto the IC card is degraded, or the When the application is to be mounted after a certain period of time, a code corresponding to the application and having a relatively smaller capacity than the application and easily mounted on the IC card is generated, and only the code is mounted on the IC card. It is possible to mount the application (or data) with the IC card or to automatically load the application (or data) onto the IC card using the code after a certain period of time, thereby allowing the application (or data) to be loaded onto the IC card. It was impossible to mount it or said Apple Even if the application is intended to be mounted after a certain period of time, the application can be easily mounted on the IC card after a certain period of time, thereby activating the IC card application providing industry and allowing the IC card user to This application has the advantage that it can be easily provided after a certain period regardless of the IC chip storage capacity, time or place.

Claims (7)

Determining whether an application (or data) can be loaded onto the IC card in a server that mounts an application (or data) on an integrated circuit chip (ICC) in a client card; When the application (or data) cannot be loaded due to insufficient storage space of the ICC, or when the application (or data) is to be loaded after a certain period of time, the IC card is used to load the application (or data). Providing a corresponding code; Interworking a code provided to the IC card with the IC card by the server and an application (or data) for the IC card corresponding to the code and storing the code on the predetermined storage medium; When the IC card is used, providing an application (or data) corresponding code mounted on the IC card to the server through a card terminal device; The server extracts an application (or data) stored in the storage medium in association with the code on the basis of the application (or data) corresponding code provided from the card terminal device or in association with the code in the storage medium. Requesting the scheduled application (or data); And And providing the application (or data) extracted or provided from the storage medium to the card terminal device in the server to mount the application (or data) to the IC card. The method of claim 1, wherein the providing of the application (or data) to the card terminal by providing an application (or data) extracted or provided from the storage medium to the card terminal is performed by the server. And deleting the application (or data) from the storage medium after loading the application (or data) onto the IC card. The method of claim 1, wherein the providing of the application (or data) to the card terminal by providing an application (or data) extracted or provided from the storage medium to the card terminal is performed by the server. Checking validity of an application (or data) corresponding to the code previously stored in the storage medium in the server; And As a result of the validation, when the validity period of the application (or data) has elapsed or the right to use the application (or data) is terminated due to a policy change of the application (or data) provider, the validation result is read. Sending to the card terminal device; characterized in that it further comprises an application (or data) mounting method. The method of claim 1, wherein when the application (or data) cannot be mounted, When the storage capacity of the IC card is insufficient, And at least one or more cases in which the performance of the terminal for mounting the application onto the IC card is reduced. The method of claim 1, wherein the storage medium, Included in the server, and / or Included in the card terminal device, and / or Application (or data) mounting method, characterized in that associated with the VAN. The method of claim 1, wherein the IC card, Application (or data) mounting method characterized in that the mounting or detachment on the wireless terminal. When an application (or data) is mounted on an integrated circuit chip (ICC) in a client card, When the application (or data) cannot be loaded on the IC card or when the application (or data) is to be loaded after a certain period of time, Generating code corresponding to an application (or data) mounted on an integrated circuit chip (ICC) in the client card; Providing the generated code to an IC card; A function of interworking the code with an application (or data) for an IC card corresponding to the code and storing the code in a predetermined storage medium; A function of receiving an application (or data) corresponding code mounted on the IC card provided through a card terminal device when using the IC card; The application (or data) associated with the code is extracted based on the received application (or data) corresponding code to extract an application (or data) previously stored in the storage medium, or the application (or data) associated with the code to the storage medium. The ability to request; And an electronic information management program for realizing a function of providing an application (or data) extracted or provided from the storage medium to the card terminal device and mounted on the IC card.