KR100852842B1 - System and Method for Auto-updating Smart Card - Google Patents

Abstract

The present invention relates to a smart card automatic update method and system, comprising: a smart card including at least one update start information for stored information included in a smart card, and a smart card based on the update start information included in the smart card. A storage information automatic updating system comprising a card terminal device for processing update of card storage information, a server for providing at least one or more latest smart card storage information to the card terminal device, and a device between the smart card and the card terminal device. At a point in time when at least one transaction present is provided, extracting, by the card terminal device, update start information for at least one smart card stored information from the smart card for updating at least one smart card stored information, the extracted At least one Determining whether to automatically update the smart card storage information and / or acquiring the automatic renewal authority based on the renewal start information of the smart card, and receiving the latest smart card storage information corresponding to the renewal start information from the server. Updating and the like.

Smart card, automatic renewal

Description

System and Method for Auto-updating Smart Card

1 is a simplified diagram of smart card storage information including update start information for smart card storage information.

2 is a simplified diagram of a card terminal device equipped with a function of updating at least one or more smart card storage information based on update start information included in the smart card.

3 is a simplified diagram of a system for automatically updating smart card storage information for automatically updating smart card storage information.

4 is a simple flowchart illustrating a process of automatically updating smart card storage information included in a smart card by a card terminal device at the time when a well-known existing transaction occurs.

5 is a simple flowchart illustrating a process of automatically updating smart card storage information included in a smart card through a card terminal device at the time when a well-known existing transaction occurs.

6 is a simple flowchart illustrating a process of automatically updating smart card storage information included in a smart card by a card terminal device.

7 is a simple diagram of a mobile communication based smart card storage information automatic update system for automatically updating smart card storage information.

8 is a simple flowchart illustrating a process of automatically updating the smart card storage information included in the smart card mounted in the wireless terminal by the card terminal apparatus.

9 is a simple flowchart illustrating a process in which the wireless terminal automatically updates smart card storage information included in the smart card mounted in the wireless terminal.

10 is a simple flowchart illustrating a process of automatically updating the smart card storage information included in the smart card mounted in the wireless terminal by the server.

<Description of main parts of drawing>

100: update start storage information 105: update start dedicated file

110: update start information table 200: card terminal device

205 control unit 210 card interface

215: key input unit 220: screen output unit

225: memory unit 230: communication processing unit

235 network communication module 240 external communication module

245 short-range communication module 250 additional function processing unit

255: external device 260: short-range communication device

265: Server 270: Smart Card

The present invention relates to a smart card including update start information for automatically updating stored information included in a smart card equipped with an integrated circuit chip (ICC) and a system for automatically updating stored information using the update start information. A smart card including at least one update start information of the stored information included in the smart card, a card terminal device configured to process the update of the smart card storage information based on the update start information included in the smart card, and the card terminal device; The storage information automatic updating system comprising a server for providing at least one or more latest smart card storage information, and at the time when at least one transaction existing between the smart card and the card terminal device is provided, the card terminal device is provided. At least one smart card storage information Extract update start information for at least one smart card stored information from the smart card for updating, and determine whether to automatically update the smart card stored information based on the extracted at least one update start information and / or auto update. The present invention relates to a smart card and a storage information auto-update system for automatically updating stored information included in a smart card through a process of obtaining authority and automatically updating the latest smart card storage information corresponding to the update start information from a server.

Smart cards have a microprocessor, a card operating system (COS), a security module, a cryptographic coprocessor, and a memory to provide a series of transactions that are processed through the card terminal device. It is a generic term for a card incorporating an integrated circuit chip which serves as an authentication means, an approval means, and / or various information providing means.

The smart card is classified into a contact card, a contactless card, a hybrid card, and a combination card according to an interface method, and are classified according to the presence or absence of a central processing unit. It can be classified into a card and a microprocessor card, and can be classified into a single purpose card and a multipurpose card according to the application purpose of the smart card.

Recently, the smart card is a multi-purpose combination card equipped with a central processing unit, which is capable of executing a program regardless of the card manufacturer, and is aimed at an open platform that is independent of the platform and that can be installed and deleted even after the card is issued. Typical smart card open platforms include Javacard, MULTOS, Smart Card For Windows (SCFW), and SmartTEC OS.

The biggest feature of the open smart card is that after issuing the smart card from the card issuer, it is possible to post issuance of the stored information of the smart card, which is a program module included in the smart card storage information. It means both issuance of module and post-issuance of program data.

However, in the post-issuance process of the existing smart card storage information, the card issuing agency and / or the card affiliate institution promotes the post-issuance and announces the post-issuance to the customer who possesses the smart card, and the customer who possesses the smart card. Access the post-issuance server on the Internet through the client equipped with the card terminal device to receive the post-issuance of the smart card storage information, or visit the card issuer and / or post-issuance agency directly to obtain the smart card storage information. Had to be issued.

An object of the present invention for solving the above problems is a smart card containing at least one update start information for the storage information provided in the smart card, and the smart card storage based on the update start information included in the smart card A storage information automatic updating system consisting of a card terminal device for processing information update, a server for providing at least one or more latest smart card storage information to the card terminal device, and an existing device between the smart card and the card terminal device. At the time when at least one transaction is provided, the card terminal device extracts update start information for the at least one smart card storage information from the smart card for updating the at least one or more smart card storage information, and the extracted at least one or more Update start A method and system for determining whether to automatically update the smart card storage information and / or obtaining an automatic renewal authority based on the security information, and receiving the latest smart card storage information corresponding to the renewal start information from the server and automatically updating the smart card storage information. In providing.

The present invention relates to a smart card including update start information for automatically updating stored information included in a smart card equipped with an integrated circuit chip (ICC) and a system for automatically updating stored information using the update start information. A smart card including at least one update start information of the stored information included in the smart card, a card terminal device configured to process the update of the smart card storage information based on the update start information included in the smart card, and the card terminal device; The storage information automatic updating system comprising a server for providing at least one or more latest smart card storage information, and at the time when at least one transaction existing between the smart card and the card terminal device is provided, the card terminal device is provided. At least one smart card storage information Extracting update start information for at least one smart card stored information from the smart card for updating, determining whether and / or automatically updating the smart card stored information based on the extracted at least one update start information; Acquiring an update authority and receiving the latest smart card storage information corresponding to the update start information from the server and automatically updating the smart card with the smart card.

In the present invention, the smart card is a handheld-based medium of any type equipped with ICC, an ICC card of a plastic card size conforming to the ISO 7810 standard, a dual slot, a dual chip, And / or an ICC card mounted in the wireless terminal in the form of a one chip.

In the present invention, the update of the smart card storage information includes updating the smart card storage information previously issued and / or stored in the smart card with the latest storage information, and storing a new smart card that has not yet been issued and / or stored in the smart card. Includes all post-issuance of information.

In the present invention, the update start information may include a smart card (eg, a chip operating system (COS) and / or a card management program) and / or the smart card for the card terminal device to update at least one or more smart card storage information. And all information that can be extracted from the stored information issued and / or stored in the card.

For example, the types of smart card storage information issued and / or post-issued to the smart card, the version information of each smart card storage information, the date and time each smart card storage information was produced, the smart card storage The date and time when the information was issued and / or post-issued to the smart card, the date and time of the latest update through the card terminal device, and / or the information for which the smart card storage information may be further post-issued are included in the renewal start information. May be included.

According to the present invention, the update start information includes individual update start information corresponding to update start information for each smart card stored information, and integrated update start information corresponding to update start information for all and / or a part of smart cards. .

The individual update start information is update start information included in each smart card storage information, and the update start range of the update start information is limited to the corresponding smart card storage information. For example, individual renewal start information may include version information of the smart card storage information included in the specific smart card storage information, date and time of production, date and time of issuance and / or post-issuance, and updated date and time. have.

The integrated update start information is update start information for at least one or more smart card storage information, and is included in separate update start storage information for collectively storing and managing the COS, the card management program, and / or the update start information. The update start range of the update start information is characterized in that declared in the update start stored information. For example, smart card storage information that is issued and / or post-issued on a smart card, information that may be further post-issued on the smart card storage information, or individual update start information for each smart card storage information are collectively included. A table or the like may be included in the integrated update start information.

In the present invention, the card terminal device at the time of providing at least one transaction existing with the smart card, the function of extracting the update start information for at least one or more smart card storage information, and the extracted at least one or more Based on the renewal start information, a function of determining whether to automatically renew the smart card storage information and / or acquiring the automatic renewal authority, and receiving the latest smart card storage information corresponding to the renewal start information from the server, is automatically applied to the smart card. It provides a function for updating and the like.

According to the present invention, the smart card is a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), a personal handyphone system (PHS), a personal digital assistant (PDA), an international mobile telecommunication (IMT). ) -200 terminal, and can be mounted on a handheld-based wireless communication device including a smart phone (Smart Phone).

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if 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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

FIG. 1 is a simplified diagram of smart card storage information including update start information 100 for smart card storage information.

Referring to the Integrated Circuit Chip (ICC) specification, which includes ISO / IEC 7816 and / or ISO / IEC 14443, etc., the ICC may include at least one computational processing element (eg, Central Process Unit (CPU), Micro Process Unit (MPU)). , A coprocessor, and 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), etc.). And a chip operating system (COS) for managing and operating smart card internal resources, and at least one or more of the memory devices, and providing a smart card service to at least one of the remaining memory devices. At least one or more digital information is stored.

According to a preferred embodiment of the present invention, smart card storage information is stored in at least one memory element (eg, EEPROM and / or FM) among the memory elements of the ICC, and the structure of the memory element is proposed in the ICC standard. As described above, it is composed of a series of hierarchical structures, and files on each hierarchical structure are distinguished by a delimiter.

Referring to the ICC standard, the smart card file structure in which the smart card storage information is stored includes at least one master file (MF) corresponding to a root file, and at least one of classified according to smart card services and applications. At least one dedicated file (DF) and an element file (EF) for storing data and / or information for a smart card service. In general, a master file is a file having a root level authority among the dedicated files, and all files on the smart card file structure can be accessed through the master file, and the dedicated file is used to provide a smart card service. A file including at least one piece of information and information on element files disposed below the storage file. The storage information for providing an independent smart card service on a smart card file structure includes at least one dedicated file. The element file is a file including at least one information and / or data for providing a smart card service, and the storage information for providing an independent smart card service on the smart card file structure includes at least one element file. Doing.

For example, in the smart card file structure as shown in FIG. 1, the master file exists at the top (= root) of all dedicated files and / or element files, and the card terminal device passes through a series of security modules and at least one dedicated file and / or In order to access the element file, the master file must pass through the master file. A lower part of the master file includes an element file that provides an ATR (Answer To Reset) function for checking and recovering an error about a command input from a card terminal device. Can be.

Further, at least one dedicated file and an element file for providing at least one smart card service provided through a smart card are disposed below the master file, wherein at least one of the dedicated files includes directory information. After that, the remaining dedicated files and element files are arranged on the smart card file structure according to the type and characteristic of the smart card service provided by the smart card.

Thus, the smart card storage information consists of functional groups such as at least one dedicated file and / or at least one element file disposed below it. For example, a smart card service provider being granted access to the smart card from a card issuing authority means that he or she is authorized to access at least one or more dedicated files, element files, and the like on the smart file structure.

Referring to Figure 1 in accordance with a preferred embodiment of the present invention, at least one dedicated file (e.g., credit, debit, financial commons network, electronic money, signing certificate, key distribution) for each smart card service on the smart card file structure A certificate, etc.) and at least one or more element files arranged under the same are already stored as functional smart group storage information in a functional group, and individual update start information is stored in each smart card including a master file. Each dedicated file and / or element file for storing information may be included and stored, and the integrated update start information may be stored in the form of update start information storage information including at least one update start information included in a smart card. It may be included in the smart card file structure in addition to the included.

In particular, the update start storage information 100 including the integrated update start information for the smart card storage information is included in the basic information about the integrated update of the smart card storage information and at least one element file included in the storage information. An update initiation dedicated file 105 including information about the information and an update initiation information table element file 110 disposed below the dedicated file and including update initiation information for at least one or more smart card storage information. have.

According to the present invention, the individual update start information included in each smart card storage information inherits the structure of the smart card storage information as it is, and update start storage including integrated update start information for at least one smart card storage information. The structure of information 100 includes the structure of general smart card storage information that follows the table structure.

In particular, in the update start information table element file 110 of the update start storage information 100, at least one or more smart card storage information included in the update start information table may be updated. The update start information is also updated at the same time.

FIG. 2 is a simplified diagram of a card terminal device 200 having a function of updating at least one smart card storage information based on update start information included in the smart card 270.

Referring to FIG. 2, the card terminal device 200 basically includes a control unit 205, a card interface 210, a key input unit 215, a screen output unit 220, a memory unit 225, and a communication processing unit 230. And various additional function processing units 250 and the like.

The control unit 205 is composed of a central processing unit (CPU), a read only memory (ROM), a random access memory (RAM), a system bus, etc. in hardware, and the card terminal device 200 in software. Is a generic term for the operating system and card terminal device control management program and card terminal device applications executed during booting and / or booting, and control and manage the overall operation (eg, payment processing) of the card terminal device 200. It features.

According to a preferred embodiment of the present invention, the control unit 205 additionally at the time of providing the smart card 270 and at least one existing transaction, the update start information for the at least one smart card storage information. A function of extracting, determining whether to automatically update the smart card stored information based on the extracted at least one update start information, and / or acquiring an automatic update authority, and from the server 265 to the update start information. It is characterized in that it provides a function such as receiving the latest smart card storage information corresponding to the smart card 270 automatically updated.

That is, most operations and processes described below, which are mainly performed by the card terminal device 200, may be performed through the controller 205 or the controller 205 may be linked with at least one card terminal device component. Is obvious.

The card interface 210 is a device and / or system for interworking the at least one smart card 270 with the integrated circuit chip (ICC) and the card terminal device 200, and is ISO / IEC 7816 and / or ISO / IEC. Data exchange and / or transaction between the card terminal device 200 and the smart card 270 through a protocol such as an APDU (Application Protocol Data Unit) based on at least one smart card standard that satisfies 14443 or the like. ), Characterized in that the processing.

According to the smart card standard that satisfies ISO / IEC 7816 and / or ISO / IEC 14443, the card interface 210 defines the card terminal device 200 as a master mode, and defines the smart card 270 as a slave mode. It provides half duplex communication. For example, when the card terminal device 200 transmits a series of commands to the smart card 270 through the card interface 210, the smart card 270 performs a series of tasks according to the result, and the result is a card interface ( Returning to the card terminal device 200 via the 210.

According to a preferred embodiment of the present invention, the card interface 210 includes a contact interface including a contact contact based on ISO / IEC 7816 and / or a contactless interface including a contactless contact based on ISO / IEC 14443 and the like. Etc. are provided.

The contact interface is an ICC interface method based on ISO / IEC 7816. The card terminal device 200 supplies power to the ICC and uses electrical contact as a means for exchanging data. The smart card 270 interworking with the card terminal device 200 through the contact interface as described above includes an electrical chip (Chip On Board; COB), and the smart card 270 is inserted into the contact interface. Then, the contact interface supplies power to the ICC through at least one contact point (eg, VCC contact point) among the contact plates, and the ICC and card terminal device 200 through at least one contact point (eg, I / O contact point). Provide data exchange between

Contactless Interface As an ICC interface method based on ISO / IEC 14443, the card terminal apparatus 200 supplies power to the ICC and does not use electrical contact as a means for data exchange. The smart card 270 interworking with the card terminal device 200 through the contactless interface as described above has an antenna interworking with the card terminal device 200 through capacitive coupling and / or inductive coupling. When the smart card 270 approaches the contactless interface, the contactless interface supplies power to the ICC through the antenna of the smart card 270 in at least one of electrostatic coupling and / or electromagnetic induction, It provides data exchange between the ICC and the card terminal device 200.

The key input unit 215 includes a plurality of number keys, a character key for inputting characters, a function key, and the like, and the card terminal device operator and / or user. When a predetermined key is pressed, a general function of generating and transferring the corresponding key data to the control unit 205, a data item for inputting a function and an information input function, and a PIN (Personal) for authenticating smart card validity. Identification Number) should include a function as an input device, such as an input function, the standard for this is at least one smart card standard that satisfies ISO / IEC 7816 and / or ISO / IEC 14443 and the like, and the card terminal device 200 The smart card issuing agency and / or smart card service provider to work in conjunction with the specified business standard.

According to a preferred embodiment of the present invention, the key input unit 215 extracts at least one update start information from the smart card 270 through the card terminal device 200, the smart card based on the update start information. At least one key data is generated and transmitted to the controller 205 for providing a process of obtaining update approval for stored information, and / or updating the latest smart card storage information with the smart card 270. It is characterized by.

The screen output unit generates a key data generated by the key input unit 215 on the screen, and the controller is generated in conjunction with at least one card terminal device component (eg, an additional function processor and / or a card interface). A function of outputting various types of information on a screen, a function of outputting information and / or calculation results generated through a series of calculations and processes within the card terminal device 200, and a network communication module of the communication processing unit 230. A function for outputting information transmitted and received with the server 265 and / or the device on the network through the (235), and output information transmitted and received with the external device 255 through the external communication module 240 of the communication processing unit 230 And / or a function of outputting information transmitted and received with the local area communication device 260 through the local area communication module 245 of the communication processor 230.

According to a preferred embodiment of the present invention, the screen output unit 220, the card terminal device 200 extracts at least one update start information from the smart card 270, the smart card based on the update start information And outputting at least one or more information on the screen to provide a process of obtaining update approval for stored information, and / or updating the latest smart card storage information with the smart card 270. do.

The memory unit 225 is hardware-mounted in the card terminal device 200 as at least one or more storage media (eg, EEPROM (Electrically Erasable and Programmable Read Only Memory), FM (Flash Memory), or HDD (Hard Disk Drive)). In addition, a predetermined program code for controlling the overall operation of the card terminal device 200 and data input / output when an operation by the program code (for example, an application linked with a smart card) is performed by software are included. As a general term for the space and / or storage area to be stored, the memory unit 225 of the card terminal device 200 may protect at least one or more data in the memory unit 225 to ensure data integrity. It may have a special storage space set as an area, the stored data is at least one satisfying ISO / IEC 7816 and / or ISO / IEC 14443, etc. And the smart card standard and, issuing a smart card that works with the card terminal device 200 engine and / or a smart card service provider provides the features to meet the specifications set by business organizations, etc..

According to a preferred embodiment of the present invention, the memory unit 225, the card terminal device 200 extracts at least one or more update start information from the smart card 270, the smart card storage information based on the update start information Obtain approval for renewal of the license, and store at least one program code and / or data and / or information generated by the program code for updating the latest smart card storage information with the smart card 270. Characterized by performing.

The communication processor 230 includes at least one or more devices for connecting the card terminal device 200 to the outside and / or a network in hardware, and externally and / or the network to the mall card terminal device 200 in software. As a generic term of at least one communication application for connecting to the back and the like, details of data communication provided by the communication processing unit 230 are supported by a communication module mounted in the communication processing unit 230 of the card terminal device 200. Communication protocols and standards, and the communication protocols and standards provided by the device and / or server connected to the card terminal device 200 via a communication and / or network via a cable or ground.

According to a preferred embodiment of the present invention, the communication processing unit 230 is externally wired through a network communication module 235, a cable and / or a port for connecting the server and / or the device and the card terminal device 200 on the network. The external communication module 240 for connecting the device 255 and the card terminal device 200 and / or the short distance for connecting the local area communication device 260 and the card terminal device 200 wirelessly through short-range wireless communication. The communication module 245 is provided.

The network communication module 235 of the communication processor 230 includes at least one device (for example, a modem or a network interface card (NIC)) for connecting the card terminal device 200 to the network in hardware. In addition, the card terminal device 200 is characterized in that it provides a function to connect to the upper server and / or network device via a network in software. Details of the network communication module 235 may include at least one communication protocol and / or the network communication module valid for a network (eg, the Internet and / or a value added network (VAN)) to which the network communication module 235 is connected. Follow the communication protocol provided by the higher level server and / or the network device connected through 235.

According to a preferred embodiment of the present invention, the network communication module 235 requests the transmission of the latest smart card storage information to the server 265 on the network to update the latest smart card storage information with the smart card 270, Or it provides a function for receiving the latest smart card storage information from the server 265.

The external communication module 240 of the communication processor 230 may include at least one serial communication port (eg, RS-232c (Recommended Standard-232C) for connecting the card terminal device 200 with the external device 255 in hardware. ) Port or USB (Universal Serial Bus) port) and a parallel communication port (eg, LPT (Line Print Terminal)), etc., and the card terminal device 200 is externally connected via a communication port and a wired cable by software. It provides a function of connecting to (255). Details of the network communication module 235 may include at least one compatible with an external device 255 (eg, a point of sale (POS) and / or an external printer) to which the external communication module 240 is connected. Follow the communication protocol.

According to another exemplary embodiment of the present invention, the external communication module 240 may include a storage medium that performs an external device (eg, the latest smart card storage information providing function to update the latest smart card storage information with the smart card 270); And / or server) to request the transmission of the latest smart card storage information, or to receive the latest smart card storage information from the external device 255.

The short range communication module 245 of the communication processor 230 may include at least one short range communication device (eg, an infrared ray port) for connecting the card terminal device 200 with the short range communication device 260 in hardware. RF (Radio Frequency) tag, Bluetooth (Bluetooth, wireless LAN card, etc.), and the near-field communication (for example, infrared ray communication, RF (Radio Frequency) communication, It is characterized in that it provides a function to connect to the local area communication device 260 through Bluetooth (Blue Tooth), wireless LAN (Wireless LAN, Wi-Fi, etc.). At least one detail of the short range communication module 245 is compatible with a short range communication device to which the short range communication module 245 is connected (for example, a wireless terminal providing IrFM (Infrared Financial Messaging) of an Infrared Data Association (IrDA)). Follow the above short distance communication protocol.

According to another exemplary embodiment of the present invention, the short range communication module 245 performs the short range communication device 260 (eg, the latest smart card storage information providing function to update the latest smart card storage information with the smart card 270). Requesting transmission of the latest smart card storage information to the local area communication device and / or the server) or receiving the latest smart card storage information from the local area communication device 260.

In addition to the basic components of the card terminal device 200 as described above, the additional function processor 250 is additionally provided to the card terminal device 200 according to the environment and role in which the card terminal device 200 is operated. And / or as a generic term of the system, the representative additional function processing unit 250 that can be mounted on the card terminal device 200 includes a secure application module (SAM) system or a printer for printing receipts, bills for cash payment Emitters and the like. Details of the add-on processing unit 250 are in accordance with respective protocols and / or standards supported by the devices and / or systems added to the add-on processing unit 250.

According to a preferred embodiment of the present invention, the card terminal device 200 satisfying the features of FIG. 2 is based on at least one or more update start information included in the smart card 270 satisfying the features of FIG. The process of updating the smart card storage information may occur as an additional function of the transaction at the stage where a well-known transaction (eg, a credit card payment transaction) occurs through the smart card 270 and the card terminal device 200. .

3 is a simplified diagram of a system for automatically updating smart card storage information for automatically updating smart card storage information.

3 is the simplest of the existing smart card system. Referring to FIG. 3, the automatic storage information update system includes a smart card 270 that satisfies the condition of FIG. 1, a card terminal device 200 that satisfies the characteristics of FIG. 2, and the card terminal device through a network. Server 265 connected to the server 200, and the like.

For example, the smart card 270 is a credit card with an ICC satisfying the characteristics of FIG. 1, the card terminal device 200 is a credit card payment terminal device, the network is a Value Added Network (VAN), The server 265 may be a payment server of a credit card company that provides a payment service for a credit card.

However, in the server 265 of FIG. 3, the card terminal device 200 and / or the server may compare the update start information with respect to at least one smart card storage information provided from the smart card 270 to the corresponding smart card storage information. At least one or more update information for determining whether to update or not, and at least one latest smart card storage information for updating with the smart card 270 determined to be updated based on the update start information and update information, and the like. The smart card storage information D / B 300 is mounted.

According to a preferred embodiment of the present invention, the update information and the latest smart card storage information and the like stored in the smart card storage information D / B (300) is at least one transaction data from the card terminal device 200 to the server 265 Is delivered, and at least one or more transaction results corresponding thereto are generated, extracted from the smart card storage information D / B 300 and delivered to the card terminal device 200 together with the transaction results (Figs. 4 and 5). ], Or before the transaction occurs, is transferred to each card terminal device 200 and stored in the memory unit 225 of the corresponding card terminal device 200 [Fig. 6].

4 is a simple flowchart illustrating a process of automatically updating the smart card storage information included in the smart card 270 by the card terminal device 200 when a well-known existing transaction occurs.

However, FIG. 4 illustrates a preferred method for the case where the card terminal device 200 determines the automatic update of the smart card storage information. In the present invention, the card terminal device 200 automatically stores the smart card storage information. The implementation method of determining the update is not limited to the case of FIG.

For example, referring to FIG. 4, in the step of instructing the card terminal device 200 to extract transaction information from the smart card storage information, only the corresponding transaction information is transmitted, and the card terminal device 200 then corresponds to the transaction information. Although a process of instructing to extract update start information of the smart card stored information is added, the process is performed by the smart card 270 including the update start information in the transaction information to the card terminal device 200. Can play a role.

In addition, referring to FIG. 4, in the step in which the card terminal apparatus 200 transmits transaction data to the server 265, and a transaction result is generated and transmitted from the server 265, update information is included in the transaction result. The card terminal device 200 is received by the card terminal device 200, and the card terminal device 200 automatically updates the smart card storage information included in the smart card 270 based on the update information. It is possible to perform the same role as the above process by changing to transmitting the latest smart card stored information, rather than including the update information.

Referring to FIG. 4, if the card terminal device 200 instructs the smart card 270 to extract transaction information from the smart card storage information of the smart card 270 to provide at least one well-known smart card service (400). The smart card 270 extracts and / or generates transaction information corresponding to the command from the smart card storage information and transmits the transaction information to the card terminal device 200 (405).

When transaction information is transmitted from the smart card 270 to the card terminal device 200, the card terminal device 200 generates transaction data based on the transaction information and makes a transaction with the server 265 via the network (410). ). According to the present invention, the details of the transaction step include an integrated circuit chip (ICC) standard including ISO / IEC 7816 and / or ISO / IEC 14443, types of transaction data, a server to which the transaction data is transmitted, and the like. Each of these standards shall be followed.

When transaction data is transacted to the server 265 through the above process, the server 265 may determine at least one transaction result based on the transaction data (e.g., if the payment is complete for transaction data credit card payment, the transaction result is the credit). (Corresponding to the full payment authorization for card payment) (415).

And extracting, from the smart card storage information D / B 300, update information for determining whether to update the smart card storage information by comparing with the update start information of the smart card storage information corresponding to the transaction result, and updating the update. The information is included in the transaction result and is transacted to the card terminal device 200 through the network (420).

When the transaction result including the update information on the smart card storage information is provided from the server 265 through the process, the card terminal device 200 extracts the update information on the smart card storage information from the transaction result, and then A transaction service (eg, credit card payment process) is provided for the transaction result (425).

The card terminal device 200 extracts update start information of the smart card storage information corresponding to the update information (430).

According to a preferred embodiment of the present invention, the update start information is extracted along with the transaction information in the step of extracting the transaction information from the smart card 270 and delivered to the card terminal device 200, the memory of the card terminal device 200 When the update information is provided to the card terminal device 200 from the server 265 or temporarily stored in the unit 225, the card terminal device 200 additionally extracts update start information of the smart card storage information. Can be performed.

When the update start information of the smart card storage information corresponding to the update information is extracted from the smart card 270 and / or the card terminal device memory unit 225 through the above process, the card terminal device 200 receives the smart card. By comparing and analyzing the update start information of the stored information and the update information provided from the server 265, it is determined whether the smart card stored information is updated (435).

If it is not necessary to update the smart card storage information based on the update start information of the smart card storage information and the update information of the corresponding smart card storage information provided from the server 265 (440), the card terminal device 200 is not required. Ends the process of updating the smart card storage information to the latest smart card storage information.

On the other hand, if it is necessary to update the smart card storage information based on the update start information of the smart card storage information and the update information of the corresponding smart card storage information provided from the server 265 (445), the card terminal device 200 The smart card holder requests the update approval of the smart card storage information through the screen output unit 220 (450).

If the smart card holder does not approve the update of the smart card storage information (455), the card terminal device 200 ends the process of updating the smart card storage information with the latest smart card storage information.

On the other hand, in the above process, the smart card holder uses the key input unit 215 of the card terminal device 200, or at least one or more devices (eg, biometric devices, etc.) interlocked with the communication processing unit 230. If the update is approved (460), the card terminal device 200 obtains the latest smart card storage information from the smart card storage information D / B (300) of the server 265 via the network (465), such as The latest smart card storage information is updated with the smart card storage information (470).

According to a preferred embodiment of the present invention, the updating of the smart card storage information is a process of updating at least one or more files (eg, a dedicated file and / or an element file) included in the smart card storage information, or the smart Removing the card storage information from the smart card memory unit and post-issuing the latest smart card storage information.

FIG. 5 is a simple flowchart of a process in which the server 265 automatically updates the smart card storage information included in the smart card 270 through the card terminal device 200 when a well-known existing transaction occurs.

However, FIG. 5 illustrates a preferred method for the case where the server 265 determines the automatic update of the smart card storage information. In the present invention, the server 265 determines the automatic update of the smart card storage information. The implementation method is not limited to the case of FIG.

For example, referring to FIG. 5, in the step of instructing the card terminal device 200 to extract transaction information from the smart card storage information, the smart card 270 includes update start information in the transaction information. In the step of instructing the card terminal device 200 to extract the transaction information, the process transmits only the corresponding transaction information, after which the card terminal device 200 stores the smart card storage information corresponding to the transaction information. The process of instructing to extract the update start information of may be added to perform the same role as the above process.

In addition, referring to FIG. 5, in the step in which the card terminal apparatus 200 transmits transaction data to the server 265, and a transaction result is generated and transmitted from the server 265, whether the server 264 is automatically updated. Determining and providing the latest smart card stored in the transaction result to the card terminal device 200, the server 265 transmits only whether the automatic update to the card terminal device 200, the card terminal device ( After the 200 acquires the smart card storage information update approval of the card holder, the process may be changed to the process of receiving the latest smart card storage information from the server 265.

Referring to FIG. 5, when the card terminal device 200 instructs the smart card 270 to extract transaction information from the smart card storage information of the smart card 270 to provide at least one well-known smart card service (500). The smart card 270 extracts and / or generates transaction information corresponding to the command from the smart card storage information (505), and extracts and / or generates update start information for the smart card storage information. The transaction information is transmitted to the card terminal device 200 by including update start information in operation 510.

When the transaction information including the update start information is transmitted as described above, the card terminal device 200 generates transaction data including the transaction information and the update start information, and transmits the transaction data to the server 265 via the network. Transaction (515).

After receiving the transaction data from the card terminal device 200, the server 265 extracts update start information for the smart card storage information from the transaction data and then generates a transaction result corresponding to the transaction data (520). .

Further, by comparing and analyzing the update start information extracted from the transaction data and the update information of the smart card storage information stored in the smart card storage information D / B 300, it is determined whether to update the smart card storage information. (525).

If it is not necessary to update the smart card storage information on the basis of the update start information of the smart card storage information and the corresponding update information (530), the server 265 returns the result of the transaction generated as described above to the card terminal device ( 200) (535).

On the other hand, if it is necessary to update the smart card storage information based on the update start information of the smart card storage information and the corresponding update information (540), the server 265 from the smart card storage information D / B (300) The latest version of the card storage information is extracted, and the transaction is made to the card terminal device 200 by including the latest smart card storage information in the transaction result generated as described above (545).

When a transaction result is received from the server 265 through the above process, the card terminal device 200 provides a transaction service corresponding to the transaction result (550).

The card terminal device 200 checks whether the latest smart card storage information that can be updated is included in the transaction result (555).

If the latest updateable smart card storage information is not included in the transaction result (560), the card terminal device 200 ends the process of updating the smart card storage information with the latest smart card storage information.

On the contrary, if the transaction result includes the latest updateable smart card storage information (565), the card terminal device 200 requests the smart card holder to update the smart card storage information through the screen output unit 220 or the like. 570.

If the smart card holder does not approve the update of the smart card storage information in step 575, the card terminal device 200 ends the process of updating the smart card storage information with the latest smart card storage information.

If the smart card holder in the above process through the key input unit 215 of the card terminal device 200, or at least one or more devices (for example, a biometric device, etc.) linked to the communication processing unit 230 for the smart card storage information If the update is approved (580), the card terminal device 200 extracts the latest smart card storage information from the transaction result provided by the server 265, and uses the extracted smart card storage information as the corresponding smart card storage information. Update 585.

According to a preferred embodiment of the present invention, the updating of the smart card storage information is a process of updating at least one or more files (eg, a dedicated file and / or an element file) included in the smart card storage information, or the smart Removing the card storage information from the smart card memory unit and post-issuing the latest smart card storage information.

6 is a simple flowchart illustrating a process in which the card terminal device 200 automatically updates the smart card storage information included in the smart card 270.

However, in order to automatically update the smart card storage information through the process of FIG. 6, at least one or more latest smart card storage information and corresponding smart card storage information provided from the server 265 may be provided in the memory unit 225 of the card terminal device 200. Update information must be stored.

According to a preferred embodiment of the present invention, when the latest smart card storage information is produced, according to the smart card storage information update policy of the server 265 to provide the latest smart card storage information recently produced to the card terminal device 200, Or the latest smart card storage information provided to the corresponding card terminal device 200 in the step of providing the latest smart card storage information from the server 265 to the card terminal device 200 at least once through FIGS. 4 and / or 5. Alternatively, the update information of the latest smart card storage information may be stored in the memory unit 225 of the card terminal device 200.

According to FIG. 6, when the card terminal device 200 instructs the smart card 270 to extract update start information for at least one smart card storage information (600), the smart card 270 is stored in a memory unit. Update start information for the corresponding smart card storage information is extracted and / or generated and transmitted to the card terminal device 200 (605).

When the update start information on the at least one smart card storage information is transmitted to the card terminal device 200 through the above process, the card terminal device 200 stores the update start information and the memory unit 225 of the card terminal device 200. On the basis of the update information for each smart card storage information stored in the) to determine the automatic update possibility of the smart card storage information (610).

For example, in order to update the smart card storage information through the process of FIG. 6, the latest version of the smart card storage information identical to the smart card storage information should be stored in the memory unit 225 of the card terminal device 200.

If the automatic update of the smart card storage information is not possible (615), the card terminal device 200 outputs a message not possible to update the smart card storage information through the screen output unit 220 (620). The process of updating the stored information with the latest smart card stored information is terminated.

On the other hand, if the automatic update of the smart card storage information is possible (625), the card terminal device 200 requests the smart card holder to approve the update of the smart card storage information through the screen output unit 220 (630).

If the smart card holder does not approve the update of the smart card storage information (635), the card terminal device 200 ends the process of updating the smart card storage information with the latest smart card storage information.

If the smart card holder in the above process through the key input unit 215 of the card terminal device 200, or at least one or more devices (for example, a biometric device, etc.) linked to the communication processing unit 230 for the smart card storage information If the update is approved (640), the card terminal device 200 extracts the latest smart card storage information stored in the memory unit 225, and uses the extracted smart card storage information as the corresponding smart card storage information. Update (645).

According to a preferred embodiment of the present invention, the updating of the smart card storage information is a process of updating at least one or more files (eg, a dedicated file and / or an element file) included in the smart card storage information, or the smart Removing the card storage information from the smart card memory unit and post-issuing the latest smart card storage information.

7 is a simple diagram of a mobile communication based smart card storage information automatic update system for automatically updating smart card storage information.

FIG. 7 is a buffer role between the server 265 and the mobile communication network 705 of the smart card storage information automatic updating system as shown in FIG. 3 to automatically update the storage information of the smart card 270 mounted in the wireless terminal 700. A mobile communication-based smart card storage information automatic update system in which a relay server (for example, a gateway) 710 for performing the operation is linked with a mobile communication network 705. A smart card 270 that satisfies the condition of FIG. A mobile terminal (700) and a card terminal (200) satisfying the characteristics of FIG. 2, a server (265) on which the smart card storage information D / B (300) is mounted, and the server (265). ) May be configured as a relay server 710 interworking with a mobile communication network 705 providing the latest smart card storage information to the wireless terminal 700 in which the smart card 270 is mounted.

For example, the wireless terminal 700 may be a credit card equipped with an ICC that satisfies the characteristics of FIG. 1, and the wireless terminal 700 may provide infrared payment through Infrared Financial Messaging (IrFM) of the Infrared Data Association (IrDA). Card terminal device 200 is a payment terminal device capable of providing infrared payment through IrFM of IrDA, the network is a Value Added Network (VAN), and the server 265 is a credit card. It is a payment server of a credit card company that provides a payment service for, the relay server 710 is a gateway for interworking the server 265 with the mobile communication network 705, the mobile communication network 705 is the latest smart card storage information wirelessly Mobile providing a data communication channel (eg, wireless Internet and / or Short Message Service (SMS), Enhanced Message Service (EMS), and Multimedia Messaging Service (MMS), etc.) that can be provided to the terminal 700 It may be a network (705).

However, in the server 265 of FIG. 7, the card terminal device 200 and / or the server 265 are compared with the update start information for at least one or more smart card storage information provided from the smart card 270. At least one update information for determining whether to update the stored information, and at least one latest smart card storage information that can be updated with the smart card 270 determined to be updated based on the update start information and the update information. The smart card storage information that stores the D / B (300) is mounted.

In addition, the relay server 710 is a gateway for relaying and / or interworking the server 265 with the mobile communication network 705, and updating the server 265 with the smart card 270 mounted in the wireless terminal 700. And the latest smart card storage information extracted and / or generated by the smart card storage information D / B 300 so as to be provided to the wireless terminal 700 through the mobile communication network 705, and processing as described above. And transmits the stored smart card storage information to the wireless terminal 700 through the mobile communication network 705.

The mobile communication network 705 includes a base station connected to the wireless terminal 700 and a wireless section, a control station connecting the base station and the mobile telephone exchange, a mobile switching center (MSC), a home location register (HLR). ), A Visitor Location Register (VLR), an InterWorking Function (IWF), or a Message Center, and the latest smart card storage information transmitted by the server 265 through the relay server 710. It provides a path for providing to the wireless terminal 700.

The wireless terminal 700 extracts and / or processes at least one or more transaction information included in the smart card 270, infrared ray communication, radio frequency (RF) communication, Bluetooth, and wireless. It provides a function to deliver to the card terminal device 200 through at least one or more short-range wireless communication, including a LAN (Wireless LAN), Wi-Fi (WiFi), and also extract and / or generated from the server 265 When the latest smart card storage information is provided to the wireless terminal 700 through the relay server 710 and the mobile communication network 705, the function of updating the latest smart card storage information to the storage information of the smart card is provided. It is done.

8 is a simple flowchart illustrating a process in which the card terminal device 200 automatically updates the smart card storage information included in the smart card 270 mounted in the wireless terminal 700.

The wireless terminal 700 extracts and processes transaction information from the smart card storage information of the smart card 270 to provide at least one or more well-known smart card services (800), infrared ray communication, RF ( When transmitting to the card terminal device 200 through at least one short-range wireless communication including radio frequency communication, Bluetooth, wireless LAN, Wi-Fi, etc. (805), the card terminal device In operation 810, the transaction data is generated based on the transaction information, and the transaction data is generated by the server 265 through the network. According to the present invention, the details of the transaction step may include an integrated circuit chip (ICC) standard including ISO / IEC 7816 and / or ISO / IEC 14443, types of transaction data, and a server to which the transaction data is transmitted ( 265), etc., in accordance with their respective standards.

When transaction data is transacted to the server 265 through the above process, the server 265 may determine at least one transaction result based on the transaction data (e.g., if the payment is complete for transaction data credit card payment, the transaction result is the credit). Corresponding to the full payment authorization for the card payment).

And extracting, from the smart card storage information D / B 300, update information for determining whether to update the smart card storage information by comparing with the update start information of the smart card storage information corresponding to the transaction result, and updating the update. The information is included in the transaction result and the transaction is made to the card terminal device 200 through the network (815).

When the transaction result including the update information on the smart card storage information is provided from the server 265 through the process, the card terminal device 200 extracts the update information on the smart card storage information from the transaction result, and then Provide a transaction service (eg, credit card payment processing) for the transaction result (820).

The card terminal device 200 extracts update start information of the smart card storage information corresponding to the update information.

According to a preferred embodiment of the present invention, the update start information is extracted with the transaction information in the step of extracting the transaction information from the smart card 270 mounted in the wireless terminal 700 and delivered to the card terminal device 200; The card terminal device 200 may be temporarily stored in the memory unit 225 of the card terminal device 200, or when the update information is provided from the server 265 to the card terminal device 200. ) May be performed to extract the update start information from the smart card 270 mounted in the network.

When the update start information of the smart card storage information corresponding to the update information is extracted from the smart card 270 and / or the memory unit 225 of the card terminal device 200 through the above process, the card terminal device 200 ) Compares the update start information of the smart card stored information with the update information provided from the server 265 to determine whether to update the smart card stored information (825).

If it is not necessary to update the smart card storage information based on the update start information of the smart card storage information and the update information of the corresponding smart card storage information provided from the server 265 (830), the card terminal apparatus 200 Ends the process of updating the smart card storage information to the latest smart card storage information.

On the other hand, if it is necessary to update the smart card storage information on the basis of the update start information of the smart card storage information and the update information of the corresponding smart card storage information provided from the server 265 (835), the card terminal device 200 The smart card holder requests the renewal approval of the smart card storage information through the screen output unit 220 (840).

If the smart card holder does not approve the update of the smart card storage information in step 845, the card terminal device 200 ends the process of updating the smart card storage information with the latest smart card storage information.

On the other hand, in the above process, the smart card holder uses the key input unit 215 of the card terminal device 200, or at least one or more devices (eg, biometric devices, etc.) interlocked with the communication processing unit 230. If the server approves the update (850), the card terminal device 200 is configured to transmit the latest smart card storage information necessary for the server 265 to transmit the latest smart card storage information to the wireless terminal 700 through the relay server 710 and the mobile communication network 705. A terminal address and an update request message requesting the wireless terminal 700 to update the latest smart card storage information are transmitted to the server 265 through the network (855).

When the wireless terminal address and the update request message required for updating the latest smart card storage information are transmitted from the card terminal device 200 to the wireless terminal 700 as described above, the server 265 is the smart card storage information D / B (300) Extract the latest smart card storage information from the relay information to the relay server 710, and the relay server 710 may transmit the latest smart card storage information to the wireless terminal 700 through the mobile communication network 705. And the latest smart card storage information processed as described above to the wireless terminal 700 via the mobile communication network 705 (step 860).

When the latest smart card storage information is provided to the wireless terminal 700 through the mobile communication network 705, the wireless terminal 700 transmits the latest smart card storage information as described above to the wireless terminal 700. Update to the smart card storage information (865).

According to a preferred embodiment of the present invention, the updating of the smart card storage information is a process of updating at least one or more files (eg, a dedicated file and / or an element file) included in the smart card storage information, or the smart Removing the card storage information from the smart card memory unit and post-issuing the latest smart card storage information.

9 is a simple flowchart illustrating a process in which the wireless terminal 700 automatically updates the smart card storage information included in the smart card 270 mounted in the wireless terminal 700.

The wireless terminal 700 extracts and processes transaction information from the smart card storage information of the smart card 270 to provide at least one well-known smart card service (900), infrared ray communication, RF (Radio) When transmitting to the card terminal device 200 through at least one short-range wireless communication including frequency communication, Bluetooth, wireless LAN, Wi-Fi, etc. (905), the card terminal device ( 200 generates transaction data based on the transaction information and makes a transaction (910) through the network to the server 265. According to the present invention, the details of the transaction step include an integrated circuit chip (ICC) standard including ISO / IEC 7816 and / or ISO / IEC 14443, types of transaction data, a server to which the transaction data is transmitted, and the like. Each of these standards shall be followed.

When the transaction data is transacted to the server 265 through the above process, the server 265 is based on the transaction data at least one transaction result (e.g., if the full payment for the transaction data credit card payment, the transaction result is Corresponding to the full payment authorization for the credit card payment) is generated.

And extracting, from the smart card storage information D / B 300, update information for determining whether to update the smart card storage information by comparing with the update start information of the smart card storage information corresponding to the transaction result, and updating the update. The information is included in the transaction result and the transaction is made to the card terminal device 200 through the network (915).

When the transaction result including the update information on the smart card storage information is provided from the server 265 through the process, the card terminal device 200 extracts the update information on the smart card storage information from the transaction result, and then A transaction service (eg, credit card payment process) is provided for the transaction result (920).

The card terminal device 200 provides update information of the smart card storage information transmitted from the server 265 included in the transaction result as described above to the wireless terminal 700 through short range wireless communication (925).

When the update information on the smart card storage information is provided to the wireless terminal 700 through the above process, the wireless terminal 700 extracts the update start information of the smart card storage information from the smart card 270, and then the update is performed. By comparing and analyzing the start information and the update information provided through the card terminal device 200 from the server 265, it is determined whether to update the smart card storage information (930).

If it is not necessary to update the smart card storage information based on the update start information of the smart card storage information and the update information of the corresponding smart card storage information provided from the server 265 (935), the wireless terminal 700 The process of updating the smart card storage information with the latest smart card storage information is terminated.

On the other hand, if it is necessary to update the smart card storage information based on the update start information of the smart card storage information and the update information of the corresponding smart card storage information provided from the server 265 (940), the wireless terminal 700 displays a screen. And / or requesting the smart card holder to renew the smart card storage information through the speaker or the like (945).

If the smart card holder does not approve the update of the smart card storage information (950), the card terminal device 200 ends the process of updating the smart card storage information with the latest smart card storage information.

On the other hand, if the smart card holder approves the update of the smart card storage information through the key input unit and / or at least one approval device (eg, a biometric module) of the wireless terminal 700 in the above process (955), The 700 accesses the server 265 through the mobile communication network 705 so that the server 265 transmits the latest smart card storage information to the wireless terminal 700 through the relay server 710 and the mobile communication network 705. The wireless terminal address required for transmission and an update request message requesting the wireless terminal 700 to update the latest smart card storage information are transmitted to the server 265 through the mobile communication network 705 (960).

As described above, when the server 265 transmits a wireless terminal address and an update request message necessary for updating the latest smart card storage information to the wireless terminal 700, the server 265 receives the smart card storage information from the D / B 300. The latest smart card storage information is extracted and transmitted to the relay server 710, and the relay server 710 transmits the latest smart card storage information as described above to the wireless terminal 700 through the mobile communication network 705. The latest smart card storage information processed as described above is provided to the wireless terminal 700 via the mobile communication network 705 (965).

* When the latest smart card storage information is provided to the wireless terminal 700 through the mobile communication network 705, the wireless terminal 700 transmits the latest smart card storage information as described above to the wireless terminal 700. Update to smart card storage information 270) (970).

According to a preferred embodiment of the present invention, the updating of the smart card storage information is a process of updating at least one or more files (eg, a dedicated file and / or an element file) included in the smart card storage information, or the smart Removing the card storage information from the smart card memory unit and post-issuing the latest smart card storage information.

10 is a simple flowchart illustrating a process of automatically updating the smart card storage information included in the smart card 705 mounted in the wireless terminal 700 by the server 265.

In order to provide at least one well-known smart card service, the wireless terminal 700 extracts and processes transaction information, update start information, etc. from the smart card storage information of the smart card 270 ( 1000), at least one or more transaction information and update start information including at least one of an infrared ray communication, a radio frequency (RF) communication, a Bluetooth, a wireless LAN, a WiFi, and the like. When transmitting to the card terminal device 200 through short-range wireless communication (1005), the card terminal device 200 generates the transaction data including the transaction information and the update start information to be transacted to the server 265 via the network. (1010). According to the present invention, the details of the transaction step may include an integrated circuit chip (ICC) standard including ISO / IEC 7816 and / or ISO / IEC 14443, types of transaction data, and a server to which the transaction data is transmitted ( 265), etc., in accordance with their respective standards.

When transaction data is transacted to the server 265 through the above process, the server 265 extracts update start information from the transaction data, and then based on the transaction data, at least one transaction result (eg, transaction data credit card payment). If the payment is to the full text, the transaction result is generated (1015) corresponding to the payment approval full text of the credit card payment), and the transaction result is transacted to the card terminal device 200 via the network.

When a transaction result including update information on the smart card storage information is provided from the server 265 through the above process, a transaction service (eg, credit card payment processing) is provided for the transaction result (1020).

At this time, the server 265 transmits to the wireless terminal 700 based on the update start information extracted from the transaction data and the update information of the corresponding smart card storage information extracted from the smart card storage information D / B 300. It is determined whether to update the smart card storage information included in the mounted smart card 270 (1025).

If it is not necessary to update the smart card storage information of the smart card storage information (1030), the server 265 stores the latest smart card storage information of the smart card storage information of the smart card 270 mounted in the wireless terminal 700 The process of updating with information ends.

On the other hand, if it is necessary to update the smart card storage information based on the update start information of the smart card storage information and the update information of the smart card storage information extracted from the smart card storage information D / B 300 (1035), The server 265 extracts the latest smart card storage information from the smart card storage information D / B 300 and transmits the extracted latest smart card storage information to the wireless terminal through the relay server 710 and the mobile communication network 705. 700, and transmits (1040).

If the wireless terminal 700 is provided to the wireless terminal 700 through the mobile communication network 705 through the above process, the wireless terminal 700 requests the smart card holder to update the smart card storage information through a screen and / or a speaker. 1045).

If the smart card holder does not approve the update of the smart card storage information (1050), the card terminal device 200 ends the process of updating the smart card storage information with the latest smart card storage information.

On the other hand, if the smart card holder approves the update of the smart card storage information through the key input unit of the wireless terminal 700 and / or at least one approval device (eg, a biometric module) (1055), the wireless terminal 700 updates the latest smart card storage information as the smart card storage information of the smart card 270 mounted in the wireless terminal 700 (1060).

According to a preferred embodiment of the present invention, the updating of the smart card storage information is a process of updating at least one or more files (eg, a dedicated file and / or an element file) included in the smart card storage information, or the smart Removing the card storage information from the smart card memory unit and post-issuing the latest smart card storage information.

According to the present invention, a smart card including at least one update start information for the storage information included in the smart card and a card terminal for processing the update of the smart card storage information based on the update start information included in the smart card. A storage information automatic updating system comprising a device, a server for providing at least one latest smart card storage information to the card terminal device, and a time point at which at least one transaction existing between the smart card and the card terminal device is provided. In the card terminal device to extract the update start information for the at least one smart card storage information from the smart card to update the at least one or more smart card storage information, and based on the extracted at least one update start information Card storage Determining whether or not an automatic update of a beam is made and / or obtaining an automatic renewal authority, and receiving the latest smart card storage information corresponding to the renewal start information from the server and automatically renewing the smart card, thereby automatically updating the smart card. The stored information may be automatically updated according to the policy of the card issuer and / or the card affiliate institution with little promotion period and / or cost.

In addition, according to the policy of the card issuing agency and / or card affiliate institutions, there is an advantage that the new smart card storage information can be automatically post-issued to the smart card with little promotion period and / or cost.

In addition, smart card users who approve smart updates can apply in real time the business policies of card issuers and / or card affiliates (eg, updates of previously issued smart card storage information or post-issuance of new smart card storage information). It also has the advantage of being able to check the response to it in real time.

In addition, the smart card user may simultaneously receive various additional services required by the smart card user at the stage of using the smart card. For example, there is an advantage in that the discount coupon associated with the payment can be updated with the smart card in the step of paying through the smart card.

In addition, the card merchant has the advantage that it is possible to secure a fee for updating the smart card storage information from the card issuing agency and / or card affiliated agency.

Claims (1)

A wireless terminal having a storage medium for storing and managing update start information for automatically updating the information stored in the IC chip, and a terminal for processing the update of the stored information in the IC chip based on the update start information included in the storage medium. A method for automatically updating wireless terminal IC chip storage information comprising a device and a server for providing at least one update target storage information (or latest information) to the terminal device. Extracting, by the terminal device, update start information for at least one stored information from an IC chip in the wireless terminal; Determining whether to automatically update the stored information in the IC chip based on the extracted at least one update start information; And And receiving the latest smart card storage information corresponding to the update start information from the server and automatically updating the storage information in the IC chip.

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