KR20110006407A - Method and system for issuing mobile credit card - Google Patents

Method and system for issuing mobile credit card Download PDF

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Publication number
KR20110006407A
KR20110006407A KR1020090064028A KR20090064028A KR20110006407A KR 20110006407 A KR20110006407 A KR 20110006407A KR 1020090064028 A KR1020090064028 A KR 1020090064028A KR 20090064028 A KR20090064028 A KR 20090064028A KR 20110006407 A KR20110006407 A KR 20110006407A
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KR
South Korea
Prior art keywords
credit card
mobile
card number
issuance
deactivated
Prior art date
Application number
KR1020090064028A
Other languages
Korean (ko)
Inventor
김정훈
Original Assignee
신한카드 주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by 신한카드 주식회사 filed Critical 신한카드 주식회사
Priority to KR1020090064028A priority Critical patent/KR20110006407A/en
Publication of KR20110006407A publication Critical patent/KR20110006407A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/354—Card activation or deactivation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor

Abstract

The card issuer transmits the number system table that allows the credit card number to be numbered from the card issuer to the mobile carrier, or controls the card number to be directly recorded and recorded on the digital storage medium of the mobile terminal. A configuration for activating to enable the use of the recorded credit card number is disclosed.

Description

Issuance method and issuance system of mobile credit card {METHOD AND SYSTEM FOR ISSUING MOBILE CREDIT CARD}

Embodiments of the present invention relate to a method and a system for issuing a mobile credit card. Specifically, a mobile card card issuer transmits a number system table that enables a number of credit card numbers to a mobile communication company, Disclosed is a configuration for direct transmission and recording to a digital storage medium of a mobile terminal, and subsequently activating the credit card number for use.

With the development of information and communication technology, the financial industry is steadily developing.

With the passage of time, the flow of payment methods from credit cards to cash cards in the past has changed, and the number of credit card holders has been increasing every year.

In recent years, smart cards that can perform various functions such as credit, debit, transportation, medical information, electronic money, and ID cards are widely used by using IC chips that are as small as nails instead of magnetic strips of credit cards. have.

In addition, by further developing such a smart card, a mobile card that can be used to buy goods like a credit card, use as a transportation card, or use as an online payment method by inserting a chip of the smart card into a mobile phone has been developed.

Mobile card is a meeting of cutting-edge information and communication technology that breaks down the walls of communication and finance. Throughout the use of credit cards such as card issuance and payment, mobile cards are more convenient for users than existing magnetic cards. Can provide.

As such, mobile cards are one of the fields of payment that are likely to develop in the future due to their numerous advantages.

The mobile credit card post-issuance system according to an embodiment of the present invention includes a table storage unit for storing a number system table including a credit card number in an inactive state, a table transmission unit for transmitting the number system table to a mobile communication company server, and An information receiving unit for receiving mobile card issuance information including the deactivated credit card number obtained from the number system table from a mobile telecommunication company server, and when receiving a request for issuing a mobile credit card from a user; An activation processing unit for changing a state of a credit card number into an activated state, wherein the credit card number of the deactivated state is recorded in the digital storage medium of the mobile terminal in the mobile communication company server, and the credit card number changed into the activated state The billing service is available The.

Mobile credit card post-issuance system according to another embodiment of the present invention is a credit card number providing unit for providing a credit card number of the deactivated state to a mobile carrier server, the credit card number of the deactivated state provided from the mobile carrier server And an information processing unit for receiving mobile card issuance information, and an activation processing unit for changing a state of the received credit card number into an activated state when receiving an issuance request for a mobile credit card from a user. When the credit card number of the state is recorded in the digital storage medium of the mobile terminal by the mobile telecommunication company server, it is returned from the mobile telecommunication company server as included in the mobile card issuance information and the credit card number changed to the activated state is settled. Characterized in that the service is available .

The mobile credit card post-issuance method according to an embodiment of the present invention comprises the steps of: storing a number system table including a credit card number in an inactive state, transmitting the number system table to a mobile communication company server, from the mobile communication company server Receiving the mobile card issuance information including the deactivated credit card number collected in the number system table, and activating the received credit card number when receiving a request for issuing a mobile credit card from a user. And changing the state to the state, wherein the credit card number of the deactivated state is recorded in the digital storage medium of the mobile terminal in the mobile communication company server, and the credit card number changed into the activated state is available for payment service. It features.

The mobile credit card post-issuance method according to an embodiment of the present invention comprises the steps of: storing a number system table including a credit card number in an inactive state, numbering a credit card number in an inactive state from the number system table, Providing a deactivated credit card number to a mobile carrier server, receiving mobile card issuance information including the provided deactivated credit card number from the mobile carrier server, requesting for issuance of a mobile credit card from a user And changing the received credit card number into an activated state when receiving the received credit card number, wherein the provided inactive credit card number is recorded in the digital storage medium of the mobile terminal by the mobile communication company server. Mobile card issuance information from carrier server The credit card number included in the return and changed to the activated state may be used for a payment service.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

In describing the present invention, when it is determined that detailed descriptions of related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terminology used herein is a term used to properly express a preferred embodiment of the present invention, which may vary according to a user, an operator's intention, or a custom in the field to which the present invention belongs. Therefore, the definitions of the terms should be made based on the contents throughout the specification. Like reference numerals in the drawings denote like elements.

1 is a diagram illustrating a network to which a mobile credit card post-issuance system is applied according to an embodiment of the present invention.

Referring to FIG. 1, a deactivated credit card number is stored in a digital storage medium of the mobile terminal 110.

For example, the digital storage medium may be interpreted as a USIM chip or a memory card.

According to an embodiment of the present invention, the user's mobile terminal 110 does not receive a mobile credit card from the card issuer server 120 through OTA (Over The Air), in cooperation with the mobile communication company server 130 You can get a mobile credit card.

In detail, the card issuer server 120 may transmit the number system table or the actual credit card number to which the credit card number is pre-ordered to the mobile communication company server 130.

If the number system table is received, the mobile telecommunication company server 130 may record the credit card number in the digital storage medium of the mobile terminal 110 by numbering the credit card number from the number system table.

As another example, when the credit card number is received, the mobile telecommunication company server 130 may record the received credit card number on the digital storage medium of the mobile terminal 110 without the step of the numbering process.

Credit card number according to an embodiment of the present invention may be requested to the card issuer server 120 when the mobile communication company server 130 issuing the mobile terminal.

The credit card number according to another embodiment of the present invention may be periodically transmitted by the card issuer server 120 to the mobile communication company server 130.

The credit card number recorded in the digital storage medium of the mobile terminal 110 is in an inactive state which is not actually available.

The mobile telecommunication company server 130 according to an embodiment of the present invention transmits the information on the deactivated credit card number recorded on the digital storage medium to the card issuer server 120, and the card issuer server 120 The credit card number can be kept in a temporary ledger state.

Next, when issuance of a credit card is requested from the user of the mobile terminal 110, the card issuer server 120 authenticates the user and then the credit card recorded in the digital storage medium of the mobile terminal 110. By controlling the number to change to an activated state, the credit card number may be available.

2 and 3 will be described the specific internal configuration of the mobile credit card post-issuance system. At least some of the internal components of the mobile credit card post-issuance system described in FIGS. 2 and 3 may be included in the credit card company server side.

2 is a block diagram illustrating a mobile credit card post-issuance system 200 according to an embodiment of the present invention.

As shown in FIG. 2, the mobile credit card post-issuance system 200 according to an embodiment of the present invention includes a table storage unit 210, a table transmitter 220, an information receiver 230, and an activation processor 240. ) May be included.

The table storage unit 210 according to an embodiment of the present invention stores a number system table including a credit card number in an inactive state.

An inactive credit card number is actually a credit card number that can be used, but can be interpreted as a credit card number that can be activated, i.e., used by a user's request. Therefore, the deactivated credit card number may be interpreted as a credit card number which is not yet available.

A typical credit card number consists of 16 digits. Of these, except for the 6-digit BIN field, only 9-digit numbers except for the 1-digit check digit may be recorded in the number system table.

The table transmitter 220 according to an embodiment of the present invention transmits the number system table to a mobile telecommunication company server, and the information receiver 230 receives the number system table 210 from the mobile telecommunication company server. Receive mobile card issuance information including a deactivated credit card number.

When the table transmitter 220 transmits the number system table, the mobile communication company server numbers the deactivated credit card number from the number system table, and digitally stores the deactivated credit card number in the mobile terminal. Record on media.

The digital storage medium according to an embodiment of the present invention may be interpreted as a storage medium capable of interworking with the mobile terminal, such as a memory of the mobile terminal or a Universal Subscriber Identity Module (USIM) chip.

As a result, the mobile terminal maintains an inactive credit card number in a digital storage medium that is not yet available.

In addition, when the mobile communication company server records the deactivated credit card number on the mobile terminal, the mobile card issuance information including the recorded deactivated credit card number is transmitted to the mobile credit card post-issuance system 200. Can be.

The information receiving unit 230 according to an embodiment of the present invention may receive the mobile card issuance information from the mobile communication company server.

The mobile card issuance information according to an embodiment of the present invention includes at least one of user information, terminal identification information, telephone number, USIM (Universal Subscriber Identity Module) information, and the deactivated credit card number of the mobile terminal. It may include.

Since the received mobile card issuance information includes a credit card number which is not yet activated, it may be stored in the state of the household ledger, and may be changed to the state of the actual ledger if it can be used later.

The activation processing unit 240 according to an embodiment of the present invention changes the state of the received credit card number to an activated state when receiving a request for issuing a mobile credit card from a user.

The credit card number which has been changed to an activated state can be settled.

To this end, the mobile credit card post-issuance system 200 according to an embodiment of the present invention may include an authentication processor 250 for authenticating the user requesting issuance of the mobile credit card.

To this end, the authentication processing unit 250 may authenticate the user using at least one of terminal information, USIM chip information, mobile authentication certificate information, and callback URL information. In addition, the authentication processing unit 250 may authenticate the user by using biometric information such as voice information.

The mobile credit card post-issuance system according to another embodiment of the present invention may generate and transmit the actual credit card number without transmitting the number system table to the mobile communication company server. This will be described in detail with reference to FIG. 3.

3 is a block diagram illustrating a mobile credit card post-issuance system 300 according to another embodiment of the present invention.

The mobile credit card post-issuance system 300 may include a credit card number providing unit 310, an information receiving unit 320, and an activation processing unit 330.

The credit card number providing unit 310 may provide the deactivated credit card number to the mobile communication company server.

The credit card number providing unit 310 according to an embodiment of the present invention moves the credit card number in the deactivated state only when receiving a request for the deactivated credit card number from the mobile communication company server. Can be provided to the carrier server.

For example, when the mobile communication company server issues a mobile terminal, the credit card number is transmitted to the mobile credit card post-issuance system 300 to record the credit card number in the digital storage medium of the mobile terminal. You can request

In addition, the credit card number providing unit 310 according to another embodiment of the present invention, may provide to the mobile communication company server the credit card number of the deactivated state obtained at every predetermined period.

For example, the credit card number providing unit 310 according to another embodiment of the present invention may be provided to the mobile communication company server by periodically acquiring the credit card number, such as a dawn time when the communication amount is relatively low.

The information receiver 320 may receive mobile card issuance information including the provided inactive credit card number from the mobile communication company server.

Similarly, when the provided inactive credit card number is recorded in the digital storage medium of the mobile terminal in the mobile communication company server, the mobile card issuance information may be received from the mobile communication company server.

The activation processor 330 may change the received credit card number into an activated state when receiving a request for issuance of a mobile credit card from a user.

In this case, the credit card number changed to the activated state may be a payment service.

The mobile credit card post-issuance system 300 according to another embodiment of the present invention may further include an authentication processor 340.

The authentication processing unit 340 is configured to authenticate the user requesting the issue of the mobile credit card by using the terminal information of the mobile terminal, USIM chip information, mobile authentication certificate information, callback URL information, and the like. Can be.

4 is a flowchart illustrating a mobile credit card post-issuance method according to an embodiment of the present invention through the operation of the card issuer server.

The mobile credit card post-issuance method according to an embodiment of the present invention first maintains a number system table in the selected storage space (step 401). The number system table according to an embodiment of the present invention is a table that can be credited with a credit card number, and can be provided in advance from a credit card company.

Next, the mobile credit card post-issuance method according to an embodiment of the present invention transmits the maintained number system table to the mobile communication company server (step 402).

In this regard, the mobile telecommunication company server may use the number system table to number the credit card number, and record the number of the credit card number on a digital storage medium for a newly issued or shipped mobile terminal. .

The digital storage medium according to an embodiment of the present invention may be interpreted as a memory or universal subscriber identity module (USIM) chip of the mobile terminal.

The recorded credit card number is in an inactive state and cannot actually be used.

When the mobile communication company server according to an embodiment of the present invention records the credit card, the mobile communication company server may transmit the mobile card issuance information including the recorded credit card number to the card issuer server.

The mobile card issuance information according to an embodiment of the present invention may include at least one of terminal identification information, a telephone number, USIM (Universal Subscriber Identity Module) information, and the deactivated credit card number of the mobile terminal. have.

The mobile credit card post-issuance method according to an embodiment of the present invention receives the mobile card issuance information (step 403), and stores the received credit card number in the selected storage space (step 404).

In this case, terminal identification information, a telephone number, and a universal subscriber identity module (USIM) information of the mobile terminal may also be recorded in correspondence with the stored credit card number.

According to an embodiment of the present invention, the mobile credit card post-issuance method according to an embodiment of the present invention is the credit card number of the received inactive state, the terminal identification information, telephone number, and USIM information of the mobile terminal Can be stored in association with at least one.

The recorded credit card number may be stored in the state of the household ledger because it is inactive, which cannot be used yet, and may be changed to the state of the actual ledger if it can be used later.

Next, the mobile credit card post-issuance method according to an embodiment of the present invention receives a request for issuing a credit card from the user (step 405).

According to an embodiment of the present invention, the user may request issuance of the credit card through a web connection using a computer terminal as well as a mobile terminal. In addition, you may request a card issuer directly by visiting the card company.

The mobile credit card post-issuance method according to an embodiment of the present invention may authenticate the user when receiving a request for issuing a credit card from the user.

For example, the mobile credit card post-issuance method according to an embodiment of the present invention may use terminal information, USIM information, mobile authentication certificate, callback UEL, etc. as a method of user authentication.

The mobile credit card post-issuance method according to an embodiment of the present invention may activate the credit card number in response to the issuance request from the user (step 406).

In this way, the user can use the service of the credit card using the activated credit card number.

According to an embodiment of the present invention, when the credit card number is activated, the card issuer server may further issue a magnetic type credit card corresponding to the credit card number and provide the same to the user.

5 is a flowchart illustrating a mobile credit card post-issuance method according to an embodiment of the present invention through the operation of a mobile communication company server.

The mobile credit card post-issuance method according to an embodiment of the present invention receives the number system table at the mobile communication company server from the card issuer server (step 501).

Thus, the mobile telecommunication company server numbers the credit card numbers using the number system table (step 502) and records the credit card numbers into the digital storage medium of the mobile terminal (step 503).

Next, the mobile telecommunication company server according to an embodiment of the present invention transmits the recorded credit card number to the card issuer server (step 504).

Accordingly, the card issuer server receives the credit card number, stores the received credit card number, and subsequently activates the credit card number in the mobile communication company server when issuing a request for the credit card number. You can request

The mobile credit card post-issuance method according to an embodiment of the present invention may directly transmit an inactive credit card number without transmitting a number system table from the first card issuer server to the mobile communication server.

This will be described with reference to FIG. 6.

6 is a flowchart illustrating a mobile credit card post-issuance method according to another embodiment of the present invention through the operation of a mobile communication company server.

In the mobile credit card post-issuance method according to an embodiment of the present invention, the mobile telecommunication company server may request a credit card number in an inactive state from the card issuer server to issue a mobile terminal (step 601).

As another example, the card issuer server may periodically transmit the credit card number in an inactive state to the mobile communication company server even without a request from the mobile communication company server.

Mobile credit card post-issuance method according to an embodiment of the present invention in the mobile communication company server receives the credit card number transmitted by the card issuer server (step 602), the received credit card number, the mobile terminal issued Can be recorded on the digital storage medium (step 603).

In this case, the mobile telecommunication company server may notify the card issuer server by transmitting a credit card number recorded in the digital storage medium of the mobile terminal (step 604).

In the mobile credit card post-issuance method according to an embodiment of the present invention, the card issuer may directly record the digital storage medium of the mobile terminal without transmitting the deactivated credit card number or the number system table to the mobile communication company.

In this case, the deactivated credit card number may be shared by the mobile communication company together with the card issuer, or may be maintained only by the card issuer.

For example, the mobile credit card post-issuance method according to an embodiment of the present invention stores a number system table including a credit card number in an inactive state, and stores the number system table in a universal subscriber identity module (USIM) chip. Deactivates disabled credit card numbers from the numbering table.

The Universal Subscriber Identity Module (USIM) chip may be previously received from a mobile communication company in order for a card issuer to directly record the deactivated credit card number.

For example, the card issuer may receive a mobile terminal including the universal subscriber identity module (USIM) chip or the universal subscriber identity module (USIM) chip in advance from the mobile communication company.

Next, the mobile credit card post-issuance method according to an embodiment of the present invention may record the collected deactivated credit card number on a Universal Subscriber Identity Module (USIM) chip received from a mobile communication company.

The mobile credit card post-issuance method according to an embodiment of the present invention may further store additional information related to a mobile terminal or a user in the universal subscriber identity module (USIM) chip in addition to the credit card number of the deactivated state.

Thereafter, the Universal Subscriber Identity Module (USIM) chip in which the deactivated credit card number is recorded may be delivered to the mobile communication company.

Similarly, when the mobile credit card post-issuance method according to an embodiment of the present invention receives a request for issuing a mobile credit card from the user, the deactivated credit card number recorded in the chip is activated in the activated state. You can change it. At this time, the credit card number changed to the activated state can be a payment service.

Mobile credit card post-issuance method according to an embodiment of the present invention is implemented in the form of program instructions that can be executed by various computer means may be recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

According to the present invention, by downloading and using a credit card to the mobile terminal, the card delivery process through the human is omitted, the safety and time of the delivery is remarkably improved, the card usage history and limit, directly from the user's mobile terminal, Inquiry of the bill amount, card information, etc., as well as a variety of services such as cash services, card loans can be conveniently used.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

1 is a diagram illustrating a network to which a mobile credit card post-issuance system is applied according to an embodiment of the present invention.

2 is a block diagram illustrating a mobile credit card post-issuance system according to an embodiment of the present invention.

3 is a block diagram illustrating a mobile credit card post-issuance system according to another embodiment of the present invention.

4 is a flowchart illustrating a mobile credit card post-issuance method according to an embodiment of the present invention through the operation of the card issuer server.

5 is a flowchart illustrating a mobile credit card post-issuance method according to an embodiment of the present invention through the operation of a mobile communication company server.

6 is a flowchart illustrating a mobile credit card post-issuance method according to another embodiment of the present invention through the operation of a mobile communication company server.

Claims (15)

A table storage unit for storing a number system table including credit card numbers in an inactive state; A table transmitter for transmitting the number system table to a mobile communication company server; An information receiving unit for receiving mobile card issuance information including the deactivated credit card number obtained from the number system table from the mobile communication company server; And Activation processing unit for changing the state of the received credit card number to the activation state when receiving a request for issuance of a mobile credit card from a user Including, The deactivated credit card number is recorded in the digital storage medium of the mobile terminal in the mobile communication company server, The credit card number changed to an activated state is a mobile credit card post-issuance system, characterized in that payment service is possible. The method of claim 1, The digital storage medium is a mobile credit card post-issuance system, characterized in that the memory of the mobile terminal or a Universal Subscriber Identity Module (USIM) chip. The method of claim 1, The mobile card issuance information received from the mobile communication company server, And at least one of user information of the mobile terminal, terminal identification information, telephone number, USIM (Universal Subscriber Identity Module) information, and the deactivated credit card number. The method of claim 1, Authentication processing unit for authenticating the user requesting issuance of the mobile credit card Mobile credit card post-issuance system, characterized in that it further comprises. The method of claim 4, wherein The authentication processing unit, A mobile credit card post-issuance system, characterized in that the user is authenticated using at least one of terminal information, USIM chip information, mobile authentication certificate information, and callback URL information of the mobile terminal. Credit card number providing unit for providing a deactivated credit card number to the mobile communication server; An information receiver configured to receive, from the mobile communication company server, mobile card issuance information including the provided inactive credit card number; And Activation processing unit for changing the state of the received credit card number to the activation state when receiving a request for issuance of a mobile credit card from a user Including, When the credit card number of the provided inactive state is recorded in the digital storage medium of the mobile terminal in the mobile communication company server, the credit card number is included in the mobile card issuance information and returned from the mobile communication company server. The credit card number changed to an activated state is a mobile credit card post-issuance system, characterized in that payment service is possible. The method of claim 6, The credit card number providing unit, Only when receiving a request for the deactivated credit card number from the mobile communication company server, the mobile credit card post-issuance system, characterized in that for providing a mobile number of the deactivated credit card number to the mobile communication company server. The method of claim 6, The credit card number providing unit, Mobile credit card post-issuance system, characterized in that to provide the mobile communication server server with the credit card number of the deactivated state in a certain period. Storing a number system table containing a credit card number in an inactive state; Transmitting the number system table to a mobile communication company server; Receiving, from the mobile communication company server, mobile card issuance information including the deactivated credit card number collected in the number system table; And Changing the state of the received credit card number to an activated state when receiving a request for issuance of a mobile credit card from a user; Including, The deactivated credit card number is recorded in the digital storage medium of the mobile terminal in the mobile communication company server, The credit card number changed to an activated state is a mobile credit card post-issuance method, characterized in that payment service is possible. 10. The method of claim 9, Authenticating the user requesting issuance of the mobile credit card using at least one of terminal information, USIM chip information, mobile authentication certificate information, and callback URL information of the mobile terminal. Mobile credit card post-issuance method characterized in that it further comprises. Storing a number system table containing a credit card number in an inactive state; Numbering the deactivated credit card number from the number system table and providing the deactivated deactivated credit card number to a mobile communication company server; Receiving, from the mobile communication company server, mobile card issuance information including the provided inactive credit card number; Changing the state of the received credit card number to an activated state when receiving a request for issuance of a mobile credit card from a user; Including, When the credit card number of the provided inactive state is recorded in the digital storage medium of the mobile terminal in the mobile communication company server, the credit card number is included in the mobile card issuance information and returned from the mobile communication company server. The credit card number changed to an activated state is a mobile credit card post-issuance method, characterized in that payment service is possible. The method of claim 11, The step of providing the number of the deactivated credit card number to the mobile communication company server, Receiving a request for the deactivated credit card number from the mobile communication company server; And Providing the collected deactivated credit card number to a mobile communication company server in response to the request. Mobile credit card post-issuance method comprising a. Storing a number system table containing a credit card number in an inactive state; Numbering a deactivated credit card number from the stored number system table; And Recording the collected deactivated credit card number on a universal subscriber identity module (USIM) chip received from a mobile carrier; Including, The universal subscriber identity module (USIM) chip is a mobile credit card post-issuance method, characterized in that inserted into the mobile terminal through the mobile carrier. The method of claim 13, In case of receiving a request for issuance of a mobile credit card from a user, changing the deactivated credit card number recorded in the chip into an activated state Including, The credit card number changed to the activated state is a mobile credit card post-issuance method, characterized in that payment service is possible. A computer-readable recording medium having recorded thereon a program for performing the method of claim 9.
KR1020090064028A 2009-07-14 2009-07-14 Method and system for issuing mobile credit card KR20110006407A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20150107118A (en) * 2014-03-13 2015-09-23 주식회사 코메스시스템 Point management apparatus, prepaid card issue apparatus, method and system for preventing of point illegal use using the same
KR20150121634A (en) 2014-04-17 2015-10-29 주식회사 브릿지랩 Credit card recommendation system and method thereof

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20150107118A (en) * 2014-03-13 2015-09-23 주식회사 코메스시스템 Point management apparatus, prepaid card issue apparatus, method and system for preventing of point illegal use using the same
KR20150121634A (en) 2014-04-17 2015-10-29 주식회사 브릿지랩 Credit card recommendation system and method thereof

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