KR20120075548A - Method and server for processing card service - Google Patents

Abstract

PURPOSE: A card service processing method and card service processing server are provided to syntagmatically manage benefits by providing similar benefits to a mobile card corresponding to a type card. CONSTITUTION: A card service processing server receives mobile card issuing application corresponding to the issued type card from a portable terminal(S510). The card service processing server authenticates a mobile card issuing applicant(S520). When the issuing applicant is authenticated, the card service processing server skips a mobile card issuing inspection. The card service processing server transmits the issuing data of the mobile card to the portable terminal.

Description

Card service processing method and card service processing server {METHOD AND SERVER FOR PROCESSING CARD SERVICE}

The present invention relates to a card service processing method.

Commonly used credit cards have been in the form of traditional plastic plates. However, in recent years, as the limit of the security of the magnetic wire storage medium on the plastic plate or the connection with the issuing system is revealed, a card made of various alternative materials to overcome this has been proposed.

Recently, a technology for issuing a mobile card for integrated management of a credit card, a membership card, a point card, a resident's card, a passport, a driver's license, and the like has been an issue. Conceptually, it is easy to manage by issuing several cards in a pocket wallet. It can be said that the real card is transformed into a soft card.

One advantage of mobile cards, a kind of soft card, is that they are easy to issue. The so-called OTA (Over The Air) technology is issued through a wireless network, and thus has great strengths in terms of cost and time. In addition, since information stored in the digital form in the mobile terminal can be read and transmitted through a wireless network or short-range communication, it can be said that the convenience of use is very high compared to the use example of the medium of the physical card. Therefore, research on technology related to card services such as mobile card issuance and transaction processing is required.

In addition, as the existing plastic cards and mobile cards are mixed and used, researches on how to process card services are being actively conducted.

An object of the present invention is to provide a card service processing method and a card service processing server capable of efficiently providing a card service by issuing a mobile card corresponding to a previously issued type card.

An object of the present invention is to issue a mobile card having the same benefit information and a different card number than the type card to the card service processing server previously issued type card, integrated management of the type card and the mobile card in the card benefits, In the case where the type card and the mobile card need to be processed separately, the present invention provides a card service processing method and a card service processing server managing by dualizing.

In order to achieve the above object, the present invention provides a card service processing server comprising: receiving a mobile card issuing application corresponding to a previously issued type card from a mobile terminal; Performing, by the card service processing server, mobile card issuing applicant identification; And issuing the mobile card that the service server skips the mobile card issuance examination and includes a card number different from the card number of the type card and the same benefit information as the type card when the issuing applicant's authentication is successful. It provides a card service processing method comprising the step of transmitting data to the mobile terminal.

In order to achieve the above object, the present invention includes a receiving unit for receiving a mobile card issuance application corresponding to the previously issued type card from the mobile terminal; A database for storing benefit information of the type card; Authentication unit for performing mobile card issuing applicant identity verification; A transmission unit for transmitting the issuance data of the mobile card including the card number different from the card number of the type card and the same benefit information as the type card to the mobile terminal; And if the issuing applicant's authentication is successful, the service server skips the mobile card issuing examination and controls the issuing data to be transmitted to the mobile terminal, and controls the receiving unit, the database, the authenticating unit, and the transmitting unit. It provides a card service processing server comprising a control unit.

The card service processing method and the card service processing server according to an embodiment of the present invention grant the same benefits to the mobile card corresponding to the type card, thereby integrating and managing the card number of the mobile card corresponding to the type card. In this case, the card service can be efficiently processed because the type card and the mobile card can be dualized and managed in some cases.

1 is a view for explaining a card service processing method related to an embodiment of the present invention.
FIG. 2 is a block diagram of the card service processing server shown in FIG. 1.
3 is a detailed block diagram of a card service processing server for performing a card service processing method according to an embodiment of the present invention.
4 and 5 are flowcharts illustrating a card service processing method related to an embodiment of the present invention.

Hereinafter, a card service processing method related to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view for explaining a card service processing method related to an embodiment of the present invention.

As shown, the card service processing server 300 issues the type card 200 to the user offline or transmits issuance data for the mobile card 100 to the mobile terminal 100 in the mobile terminal 100. Can be issued.

The mobile card refers to a card implemented in software in the mobile terminal 100, not a type card (eg, a plastic card). The mobile card may be issued through wireless communication.

The mobile card may be implemented in a form in which card information is stored in the card application 110. The card application 110 may be stored in a specific security area of the mobile terminal 100 or in a chip card inserted into the mobile terminal 100. Examples of the chip card include a SIM card, a USIM card, a memory card, and the like. The specific security area may include a specific area of the mobile terminal 100 having a cryptographic operation device that can safely store and store specific information. Therefore, the information stored in the specific security area may not be exposed to outside or regenerated. In the present specification, the type card may include a physical card issued after being examined.

In addition, in the present specification, the mobile card 111 corresponding to the type card 200 refers to a card including service information integrated with the type card 200. For example, the mobile card 111 corresponding to the type card 200 may include a card having the same benefit information as the type card 200.

In the present specification, the integrated processing means that if the card service information of either the type card or the mobile card is changed, the service processing of the other card is affected.

The type card 200 or the mobile card 111 may include various card information. For example, the various card information may include a card type, a card number, an expiration date, a card verification number (eg, CVV (Card Verification Value), CVC (Card Validation Code)), and benefit information associated with the card (eg, coupon information). , Additional service information), cash card information, and the like. The card service processing method related to an embodiment of the present invention may be performed using the various card information. In particular, the card application 110 may store information about the mobile card 111.

The mobile terminal 100 may be implemented in various forms. For example, the mobile terminal 100 described in the present specification may be a mobile phone, a smart phone, a notebook computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), or navigation. , e-book terminals and tablet PCs.

The card service processing server 300 may perform various card service processing. Card services may refer to card-related business processes, such as card issuance, authorization by card transactions, settlement, card information update, benefit processing associated with the card.

2 is a block diagram of a card service processing server 300.

The illustrated card service processing server 300 may include a receiver 310, a database 320, an authenticator 330, a transmitter 340, a controller 350, and the like.

The receiver 310 may receive the service processing server 300 card service processing request. The card service processing request may be received from a specific terminal or a specific server. For example, the specific terminal may include a mobile terminal 100, a merchant terminal (not shown), etc., in which a mobile card is stored, and the specific server may include a payment relay server (not shown), a mobile carrier server (not shown), and the like. have.

The payment relay server may be a single server or may be composed of a plurality of servers. For example, the payment relay server may be configured as at least one of a payment server and a value-added network (VAN) server, which is a payment server for payment by an e-commerce transaction through an internet shopping mall. To collect credit from the credit card company or bank with which the buyer transacts on behalf of the seller (shopping mall) to use the credit card or wire transfer on the Internet for payment. It is a kind of electronic payment agency that provides a value-added network (VAN) that accumulates, processes, and converts information beyond simple transmission by directly owning a line or renting or using a carrier's line. A collection of comprehensive and complex services that provide voice or data information with added value such as He says.

The database 320 may store various types of information about the type card 200 or the mobile card 111. The various types of information about the type card 200 or the mobile card 111 may be related to the card type, card number, expiration date, card verification number (eg, CVV (Card Verification Value), CVC (Card Validation Code)), and the card. Benefit information (eg, coupon information, additional service information), cash card information, and the like may be included.

Meanwhile, according to an embodiment of the present invention, the card information of the type card 200 may be stored in the database 320 and the card information of the mobile card 111 may be stored in the card application 110. .

The authenticator 330 may perform user authentication based on specific information. For example, the authentication unit 330 may perform user identification through personal identification number (PIN) information input from the user, and perform user identification through identification information of the mobile terminal 100. For example, you can use a public certificate to authenticate yourself. The authentication unit 300 may directly perform authentication based on the user information stored in the database 320, or request user authentication from an external server to receive a result of user authentication from the external server. It may be.

The transmitter 340 may transmit various information or signals to the outside. For example, the transmitter 340 may transmit the result of the card service processing to the mobile terminal 100, the merchant terminal, the payment relay server, or the like.

In addition, the controller 350 may control the receiver 310, the database 320, the authenticator 330, and the transmitter 340 as a whole, and control card service processing.

3 is a detailed block diagram of a card service processing server for performing a card service processing method according to an embodiment of the present invention.

If there is service information in which the type card 200 and the mobile card 111 are integrated and processed, the control unit 350 processes the card service processing related to the integration process in association with the DB 321 in which common processing information is stored. can do. In addition, the control unit 350 may process card service processing in which the type card 200 and the mobile card 111 are not integrated and are processed separately in association with the DB 322 in which separate processing information is stored. The common processing information may include the same card information for both the type card 200 and the mobile card 111. For example, if both the type card 200 and the mobile card 111 include the same card benefit or the same validity period, the card benefit information or the valid interval may be common processing information.

In addition, the common processing information may include information when the service information of one of the type card 200 or the mobile card 111 is changed, and also affects the service information of another card. For example, when the usage results for the type card 200 and the usage records for the mobile card 111 are summed, the information on the usage records may be common processing information.

The separate processing information refers to information that does not affect service information of another card when the card service information of either the type card 200 or the mobile card 111 is changed. For example, if the controller 350 separately performs blacklist management or processing of the type card 200 and the mobile card 111, the blacklist information may be separately processed information.

In the present specification, the black list may refer to a list of cards where card use is suspended, such as a bad credit card or a lost card.

In addition, if the valid period of the type card 200 and the mobile card 111 is different, the information on the valid period may also be separately processed information.

4 is a flowchart illustrating a method of issuing a mobile card corresponding to a type card in a card service processing method related to an embodiment of the present invention.

The receiver 310 may receive an application for issuing a mobile card 111 corresponding to the previously issued type card 200 (S410). The issuing application may be received from the type card 200 holder through wired or wireless communication. In particular, the receiver 310 may receive the issuance application from the mobile terminal 100 to which the mobile card 111 is to be issued.

When the receiver 310 receives the mobile card 111 issuance request, the authentication unit 330 may perform the card issuing applicant identity (S420). Card issuer identity verification may include a procedure for confirming whether the card issuer is a holder of the type card (200). For example, the authentication unit 330 may perform the card issuing applicant's own identity using a public certificate, may perform the user's identity through the PIN (Personal Identification Number) information input from the user, or the mobile terminal User identification may be performed through the identification information of 100.

In addition, the authentication unit 330 may combine the two or more user information associated with identity authentication to perform the card issuer identity verification. A case where the identification information of the mobile terminal 100 (for example, the mobile number of the mobile terminal) and the password of the type card 200 are received from the mobile terminal 100 will be described as an example. The authenticator 330 may determine the card issuing applicant as a true holder of the type card 200 when the received password of the type card 200 matches the password of the previously stored type card 200. In addition, when the user mapped to the identification information of the mobile terminal 100 and the true holder of the type card 200 are the same person, it may be determined that the card issuer identity verification has been successfully processed.

If the card issuing applicant's own authentication is successful, the control unit 350 may determine that the mobile card 111 can be issued to the mobile terminal 100 even if there is no issue review process. If the mobile terminal 100 determines that the mobile card 111 is a terminal that can be issued, the controller 350 may extract and / or generate mobile card issuance data from the database 320. That is, the control unit 350 extracts the same applicable to the mobile card 111 of the card information of the type card 200 from the database 320, the mobile card of the card information of the type card 200 ( Differently applied to 111 can be generated.

For example, when the benefit information of the type card 200 and the benefit information of the mobile card 111 are the same, and the card number of the type card 200 and the card number of the mobile card 111 are different, the controller 350 The card benefit information may be extracted from the database 320 and a card number of the mobile card 111 may be generated.

In addition, when the valid period of the mobile card 111 is the same as the type card 200, the controller 350 may extract the valid period information of the mobile card 111 from the database 320. On the other hand, when the valid period of the mobile card 111 is different from the type card 200, the controller 350 may generate the valid period information of the mobile card 111.

When the issued data is extracted or generated by the above method, the controller 350 may transmit the issued data to the mobile terminal 100 through the transmitter 340 (S430 and S440).

In this case, the controller 350 may control the transmission of the issued data to be performed at a specific time period. The specific time zone may be a time zone set by the card service processing server 300 or a time zone set by a user. For example, the issued data may be transmitted to the mobile terminal 100 in a non-call time zone (for example, dawn time) where data communication is not active. As described above, by issuing data to be transmitted in a specific time zone, the load of the card service processing server 300 may be distributed.

The mobile terminal 100 may issue the mobile card 111 to the card application 110 based on the issued data.

5 is a flowchart illustrating a card service processing method according to an embodiment of the present invention. In the present embodiment, a description will be given of a card service processing method when the mobile card 111 corresponding to the type card 200 is issued. The card service processing may include an integrated process and a separate process of the type card 200 and the mobile card 111.

The receiver 310 may receive a card service processing request (S510).

The card service processing request may be received from a specific terminal or a specific server. For example, the specific terminal may include a mobile terminal 100, a merchant terminal (not shown), etc., in which a mobile card is stored, and the specific server may include a payment relay server (not shown), a mobile carrier server (not shown), and the like. have.

When the card service processing request is received, the controller 350 may determine whether there is a common processing item in which the card service processing may be integrated between the type card 200 and the mobile card 111 (S520). ).

Hereinafter, the type card 200 and the mobile card 111 will be described in the case that the benefit information is the same, the card number is different.

The controller 350 may process the services of the type card 200 and the mobile card 111 when the processing is common to the card service processing request (S530). For example, in the case of a request for processing the card usage record, the usage history of the type card 200 and the mobile card 111 may be summed up.

In addition, when the card benefit information of any of the type card 200 and the mobile card 111 is updated, the controller 350 may update the other benefit information in the same manner. For example, if the coupon associated with the type card 200 is reduced from one to two through use, the coupon associated with the mobile card 111 may also be reduced to one.

In addition, the controller 350 may separately process the services of the type card 200 and the mobile card 111 when the card service processing request is not a common processing item (S540). For example, when a loss report is received for any one of the type card 200 and the mobile card 111, the controller 350 may process a black list only for the card on which the loss report is received. . Therefore, cards not blacklisted can be used normally.

On the other hand, according to an embodiment of the present invention, the mobile card 111 may be integrated management through the driving of the card application (110). For example, when the mobile terminal 100 receives a specific signal from the card service processing server 300, the card application 110 is activated or deactivated so that the mobile card 111 can be activated or deactivated. have. In this specification, activation of the mobile card 111 means a state in which the mobile card 111 can be used normally, and deactivation means a state in which the use of the mobile card 111 is stopped. According to the above embodiment, since the mobile card 111 is managed by the driving of the card application 110, the mobile card 111 is managed based on the mobile terminal 100, not based on the card service processing server 300. Can be. Therefore, according to the embodiment, the load of the card service processing server 300 can be reduced.

The above-described card service processing method can be implemented in the form of program instructions that can be executed by various computer means, and recorded on a computer-readable recording medium. In this case, the computer-readable recording medium may include program instructions, data files, data structures, and the like, alone or in combination. On the other hand, the program instructions recorded on the recording medium may be those specially designed and configured for the present invention or may be available to those skilled in the art of computer software.

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. Magnetic-Optical Media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, Flash memory, USIM, and the like.

The recording medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like.

In addition, 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 devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

The card service processing method described above may not be limitedly applied to the configuration and method of the above-described embodiments, but the embodiments may be selectively combined with each or all of the embodiments so that various modifications may be made. It may be configured.

Claims (14)

Receiving, by the card service processing server, the mobile card issuing application corresponding to the previously issued type card from the mobile terminal;
The card service processing server performing mobile card issuer identity verification; And
If the personal identification of the issuing applicant is successful, the card service processing server omits the mobile card issuance examination, and includes the card number different from the card number of the type card and the same benefit information as the type card. The card service processing method comprising the step of transmitting the issuance data of the mobile terminal. The method of claim 1, wherein the issuance data of the mobile card is
And a validity period information different from the validity period of the type card. The method of claim 1, wherein the card service processing method is
The card service processing server further comprises the step of adding up the usage history for the type card and the usage history for the mobile card. The method of claim 1, wherein the card service processing method is
The card service processing server further comprises the step of separately managing the black list of the type card and the mobile card. The method of claim 1, wherein the card service processing method is
And the card service processing server transmitting a specific signal to the mobile terminal for processing any one of activation and deactivation of the mobile card. The method of claim 1, wherein the issuing data transmission step of the mobile card
Card service processing method characterized in that performed at the time set by the mobile card issuing applicant. The method of claim 1, wherein the card service processing method is
And when the benefit information of the type card is updated, transmitting the updated benefit information to the mobile terminal. A receiving unit for receiving a mobile card issuing application corresponding to a previously issued type card from a mobile terminal;
A database storing benefit information of the type card;
Authentication unit for performing mobile card issuing applicant identity verification;
A transmission unit for transmitting the issuance data of the mobile card including the card number different from the card number of the type card and the same benefit information as the type card to the mobile terminal; And
When the authentication of the issuing applicant is successful, the mobile card issuance examination is skipped and the issuing data is transmitted to the mobile terminal, and the controller controls the receiving unit, the database, the authentication unit, and the transmitting unit. Card service processing server, characterized in that. The method of claim 8, wherein the issuance data of the mobile card is
And a validity period information different from the validity period of the type card. The method of claim 8, wherein the control unit
And the card service processing server controls the use history of the type card and the use history of the mobile card to be summed up. The method of claim 8, wherein the control unit
And the blacklist of the type card and the mobile card are managed separately. The method of claim 8, wherein the control unit
And controlling a specific signal to be transmitted to the mobile terminal for processing any one of activation and deactivation of the mobile card. The method of claim 8, wherein the control unit
And issuing data of the mobile card is transmitted at a time set by the mobile card issuing applicant. The method of claim 8, wherein the control unit
And when the benefit information of the type card is updated, the card service processing server controls the updated benefit information to be transmitted to the mobile terminal.

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