KR100924758B1 - Method for Issuing Financial IC Card for Multi Function - Google Patents

Abstract

The present invention relates to a method for issuing a multi-purpose financial IC card, wherein the card applet storage area for each card company, the card applet storage area for each financial company, the card applet storage area for each securities company, and the point issuing institution in a predetermined blank IC (Integrated Circuit) card issuing means IC card issuing step of issuing a blank IC card having an IC chip including at least one card applet storage area, and when a predetermined customer requests applets through a terminal equipped with a predetermined IC card reader, A card issuing step of generating predetermined card information corresponding to the card issuance requested by the customer in a predetermined card issuing means, and generating a predetermined card applet including the card information in the predetermined card applet issuing means to the terminal. Issuing a card applet, and the card applet in the terminal through the IC card reader The card applet recording step of recording in the card applet storage area for each applet issuer on the IC chip provided in the blank IC card, wherein the IC card issuing step, the blank IC card issuing means received the blank IC card The customer information, the IC chip information provided in the blank IC card, and the applet issuing authentication information for authenticating that the applet issuer adds (or newly) issues the card applet to the IC chip are linked to a predetermined storage medium. The card applet issuing step may further include storing the card applet in the card applet issuing card applet on the IC chip through the applet issuing authentication information. Further comprising the step of processing, wherein the card applet recording step is performed by the card applet issuing means. And storing the applet issuing information for the card applet recorded in the IC chip provided in the blank IC card in association with the storage medium.

IC card, issuance, blank

Description

How to issue a multipurpose financial IC card {Method for Issuing Financial IC Card for Multi Function}

1 is a view showing a blank IC card issuing system according to an embodiment of the present invention.

2 is a diagram illustrating an IC chip function structure provided in the multipurpose blank IC card according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a card issuing process for issuing a blank IC card according to an embodiment of the present invention.

4 is a diagram illustrating a card issuing process for issuing a blank IC card according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a card applet issuing system for issuing a card applet to a multi-purpose blank IC card according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating an IC chip function structure provided in a multipurpose financial IC card according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a card issuing process for issuing a card applet to a multi-purpose blank IC card according to an embodiment of the present invention.

8 is a diagram illustrating a card issuing process for issuing a card applet to a multipurpose blank IC card according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a process of issuing a card applet to a multipurpose blank IC card according to an embodiment of the present invention.

<Description of main parts of drawing>

100: blank IC card issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validity authentication unit 125: information generation unit

130: information confirmation unit 135: information storage unit

140: card issuing unit 145: blank IC card issuing device

150: blank IC card management D / B 155: IC chip management D / B

160: card issuing terminal

The present invention includes at least one card applet storage area by card company, card applet storage area by financial company, card applet storage area by securities company, and card applet storage area by point issuer in a predetermined blank IC card issuing means. The IC card issuing step of issuing a blank IC card having an IC chip, and when a predetermined customer requests a card issuance through a terminal equipped with a predetermined IC card reader, the predetermined card issuing means A card issuing step of generating predetermined card information corresponding to the requested card issuing; a card applet issuing step of generating a predetermined card applet including the card information from the predetermined card applet issuing means and providing the card applet to the terminal; The card applet on the IC chip provided in the blank IC card through the IC card reader It relates to a multipurpose financial IC card issuing method comprising a card applet recording step of recording in a long area.

The MS card type financial card that records at least one or more financial information in the conventional MS (Magnetic Stripe) is gradually becoming an IC card type that records various card applications and financial information on an integrated circuit (IC) chip with high security. Although being transferred, the IC card-type financial card is not actively activated due to a higher issuance cost than the conventional MS card.

In particular, in the closed card issuing method of each financial company, each financial company must bear the cost of issuing the card. Therefore, even if a part of the card issuance fee is paid to the customer, the IC card type financial card is activated. There are some esoteric problems.

An object of the present invention for solving the above problems, IC card including at least one card applet storage area for each card company, card applet storage area for each financial company, card applet storage area for securities companies, at least one card applet storage area for each point issuer. (Blank) IC card issuing means for issuing a blank IC card having an integrated circuit chip, and when a customer requests a card issuance through a terminal equipped with a predetermined IC card reader, the card issuance requested by the customer A card issuing means for generating predetermined card information corresponding to and generating a predetermined card applet including the card information to the terminal for recording in a card applet storage area on an IC chip provided in the blank IC card. A multipurpose financial IC card issuing system including a card applet issuing means is provided.

The multi-purpose financial IC card issuing system according to the present invention includes a card applet storage area for each card company, a card applet storage area for each financial company, a card applet storage area for each securities company, and at least one card applet storage area for each point issuer. Blank IC card issuing means for issuing a blank IC card having an IC (Integrated Circuit) chip, and a card requested by the customer when the card issuance request is made through a terminal having a predetermined IC card reader. Card issuing means for generating predetermined card information corresponding to the issuance, and a predetermined card applet including the card information is generated and provided to the terminal in a card applet storage area on the IC chip provided in the blank IC card. It characterized in that it comprises a card applet issuing means for recording.

According to the present invention, the card applet includes a data set including the card information and a program code for providing the card information to a predetermined IC card terminal.

On the other hand, the multi-purpose financial IC card issuing method according to the present invention, the card applet storage area for each card company, card applet storage area for each financial company, card applet storage area for securities companies, point issuing institution in a predetermined blank IC (Integrated Circuit) card issuing means IC card issuing step of issuing a blank IC card having an IC chip including at least one card applet storage area, and a predetermined customer requests card issuance through a terminal equipped with a predetermined IC card reader. And a card issuing step of generating predetermined card information corresponding to the card issuance requested by the customer in a predetermined card issuing means, and generating a predetermined card applet including the card information in a predetermined card applet issuing means. Issuing a card applet and the card applet in the terminal through the IC card reader; Including a card applet recording step for recording the card applet storage area on an IC chip provided in the IC card is characterized in that formed.

According to the present invention, the IC card issuing step includes: customer information for which the blank IC card is issued by the blank IC card issuing means, IC chip information provided in the blank IC card, and a predetermined card applet for the IC chip. It is characterized in that it further comprises the step of storing in a predetermined storage medium in association with the applet issuance authentication information for issuing (or new).

According to the present invention, the card applet recording step may further include storing, in the card applet issuing means, the applet issuance information for the card applet recorded on the IC chip provided in the blank IC card in association with the storage medium. It is characterized by comprising.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-mentioned method for issuing a multipurpose financial IC card.

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 made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 shows a blank IC card issuing system according to an embodiment of the present invention.

In more detail, Figure 1 is a multi-use blank IC card including at least one or more of a predetermined credit card, debit card, debit card, cash card, securities company card, loyalty card and transportation card is issued to the present invention. When the predetermined blank IC card issuing application information is provided to the blank IC card issuing system according to the blank IC card issuing system, an IC (Integrated Circuit) is provided to the customer based on the blank IC card issuing application information provided by the blank IC card issuing system. As a system configuration for issuing a multi-purpose blank IC card in the form of a card, those skilled in the art to which the present invention pertains, various implementations of the blank IC card issuing system configuration by referring to or modifying the present Figure 1 It will be possible to infer a method, but the present invention includes all implementation methods inferred above, It shall not be limited to the exemplary method shown in figure 1.

Hereinafter, at least one of issuing a predetermined multipurpose blank IC card to the customer based on the blank IC card issuing application information provided from the customer through a predetermined card issuing interface on the blank IC card issuing system shown in FIG. Components corresponding to the above means or functional configuration are called " blank IC card issuing server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the blank IC card issuing system includes a staff terminal or a blank IC card issuing system used by a card issuing staff provided in at least one blank IC card issuing agency. In the case of supporting a non-face-to-face card issuing application, the card issuing terminal 160, characterized in that it comprises at least one or more of the client terminal, including at least one or more wired or wireless terminals used by the customer, and And a blank IC card issuing server 100 connected to the card issuing terminal 160 through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer visits the blank IC card issuing agency for issuing the blank IC card and through the window provided at the blank IC card issuing agency (or through a card issuing staff). Fill out a predetermined card issuance application (e.g., a document with a form for filling in at least one information item for issuing the blank IC card) for the blank IC card issuance (or the card issuing staff member Visit the customer to fill out a predetermined card issuance application for issuing the blank IC card), and submit the completed card issuance application to the card issuing staff, and the card issuing staff is sent through a predetermined staff terminal. Enter (or select) information entered in the card issuance application, and the employee terminal enters the entry. To transfer to the blank IC card issuing server 100 having a (or selected) information through the network means on the blank IC card issuing system is preferred.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the blank IC card issuing agency, the blank IC card issuing server 100 connected to the employee terminal is the blank IC card It is preferable to include a server provided on the issuing authority, the network means for connecting the employee terminal and the blank IC card issuing server 100 is a communication channel between the employee terminal and the blank IC card issuing server 100 It is preferable to include a communication network for connecting.

In the blank IC card issuing system as described above, a card issuance application written by the customer, an employee terminal used by the card issuing staff, and a communication network connecting the employee terminal and the blank IC card issuing server 100 are described above. A customer performs a function of a card issuing interface for registering blank IC card issuing application information for issuing the blank IC card.

According to another exemplary embodiment of the present invention, when the blank IC card issuing system supports a non-face-to-face card issuance application, the customer is either a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Access to the blank IC card issuing server 100 through at least one client terminal, and issue a blank IC card for issuing the blank IC card through at least one user interface provided by the blank IC card issuing server 100. When the application information is input (or selected), it is preferable that the client terminal transmits through the predetermined network means to the blank IC card issuing server 100 provided on the blank IC card issuing system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network. ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to a wireless communication network based on High Speed Downlink Packet Access (HSDPA), or IEEE 802.16x. A generic term for all terminal devices connected to a mobile Internet based on the Internet, or all terminal devices connected to a Motorola DataTAC method or an Erricson Mobitex method wireless data communication network, and a personal communication system (PCS) connected to the CDMA-based mobile communication network. Or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phones) or telematics (Telematics) or HSDPA (High Speed Downlink Packet Access) based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the client terminal outputs at least one or more user interfaces provided by the blank IC card issuing server 100, and inputs or selects at least one or more information through the user interface, so that the blank IC card issuing server 100 is provided. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function, etc., communicating with the blank IC card issuing server 100, etc.) for transmitting to the network is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one wired terminal or a wireless terminal, and thus a detailed description thereof will be omitted for convenience.

In the blank IC card issuing system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired line connecting the client terminal and the blank IC card issuing server 100. The communication network or wireless communication network performs a function of a card issuing interface for the customer to register blank IC card issuing application information for issuing the blank IC card.

According to another exemplary embodiment of the present invention, when the blank IC card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 160, in addition to the employee terminal or the client terminal, a predetermined communication network ( For example, it further comprises a financial automated machine (not shown) including an automatic teller machine (ATM) and a cash dispenser (CD) connected to a financial common network, or a predetermined public telephone network. It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. It further comprises a predetermined call terminal (not shown), or a terminal provided in at least one or more institutions affiliated with the blank IC card issuer ( Or a server) (not shown), by which the present invention is not limited.

In the case of supporting a non-face-to-face card issuance application as described above, when the card issuing terminal 160 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device ( The communication network connecting the blank IC card issuing server 100 performs a function of a card issuing interface for the customer to register blank IC card issuing application information for issuing the blank IC card or the card. When the issuing terminal 160 is the call terminal (not shown), the wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the blank IC card issuing server 100 The customer performs a function of a card issuing interface for registering blank IC card issuing application information for issuing the blank IC card, or issuing the card When the terminal 160 is a terminal (or server) (not shown) provided in an organization affiliated with the blank IC card issuing authority, the terminal (or server) (not shown) and the terminal (or server) (not shown) ) And the network connecting the blank IC card issuing server 100 performs a function of a card issuing interface for the customer to register blank IC card issuing application information for issuing the blank IC card.

The blank IC card management D / B 150 provided on the blank IC card issuing system according to the present invention is provided to the customer based on the blank IC card issuing application information provided from the card issuing terminal 160. After issuing a multipurpose blank IC card, storing the blank IC card management information including at least one of predetermined customer information, IC chip information, applet issuing authentication information, and applet issuing information according to the issuance of the multipurpose blank IC card. It is done.

Here, the customer information included in the blank IC card management information includes personal information (eg, customer name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a customer who has received the multipurpose blank IC card. It is preferable to make it.

The IC chip information included in the blank IC card management information may include IC chip unique information including an open platform included in the multi-purpose blank IC card, IC chip COS (Chip Operating System) information, and It is preferable to include at least one or more processor information, memory information, encryption module information, and the like included in the IC chip.

The applet issuance authentication information included in the blank IC card management information may include at least one of a predetermined credit card, a check card, a debit card, a cash card, a brokerage card, a point card, and a transportation card in the multipurpose blank IC card. When issuing a new card applet (for example, card program code linked to the COS provided in the IC chip and the financial information used by the card program code) is issued, including information for authenticating the validity of the card applet issuance It is preferable.

The applet issuing information included in the blank IC card management information may include at least one card applet information that is additionally (or newly) issued to the multipurpose blank IC card, and the card applet is provided in the multipurpose blank IC card. At least one card applet configuration information included in the IC chip is preferably included.

The blank IC card issuing server 100 provided on the blank IC card issuing system according to the present invention is a component of the blank IC card issuing system side component connected to the card issuing terminal 160 through a predetermined network means. Collectively, at least one server (or device) may be implemented, or may be implemented as at least one or more programs recorded on a recording medium included in a predetermined server (or device), and the present invention is not limited thereto. No.

According to an embodiment of the present invention, the blank IC card issuing server 100 stores at least one pre-issuance blank IC card information to be issued to the customer in association with predetermined IC chip information corresponding to the blank IC card. Preferably, the IC chip management D / B 155 is provided, and the IC chip management D / B 155 is provided to the blank IC card information and the blank IC card information issued from the blank IC card manufacturer. It is desirable to store corresponding IC chip information in association.

According to an embodiment of the present invention, the blank IC card issuing server 100 provides an interface unit 105 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal 160 through the network means. It is characterized by comprising.

According to an embodiment of the present invention, when the card issuing terminal 160 is an employee terminal connected to a predetermined communication network, the interface unit 105 is assigned to the employee terminal based on the protocol stack defined in the communication network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program included in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 160 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 implements a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a predetermined card issuance application program provided by the blank IC card issuing server 100, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 160 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the card issuing application program provided by the blank IC card issuing server 100 is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 1, the blank IC card issuing server 100 is connected to the blank IC card issuing server 100 through the interface unit 105 when a predetermined card issuing terminal 160 is connected to the blank IC card issuing server 100. In connection with 105, the card issuing terminal 160 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined blank IC card issuing application information to the card issuing terminal 160. The predetermined blank IC which inputs (or selects) the interface providing unit 110 (or interface providing means) and the card issuing terminal 160 through the user interface in cooperation with the interface unit 105. The multipurpose blank IC to the customer based on the information receiving unit 115 (or information receiving means) for receiving card issuing application information and the received blank IC card issuing application information; A validity authentication unit 120 (or validity authentication means) for checking the validity of issuing a card, and the IC chip management D / B 155 to the customer based on the received blank IC card issuance application information. It is provided in the multipurpose blank IC card based on the information confirming unit 130 (or information checking means) for confirming predetermined IC chip information corresponding to the multipurpose blank IC card to be issued, and the received blank IC card issuance application information. The applet issuing authentication information through the information generating unit 125 (or information generating means) for generating predetermined applet issuing authentication information to be provided in the integrated IC chip, and the predetermined blank IC card issuing device 145. The blank IC card management information corresponding to the card issuing unit 140 (card issuing means) for issuing a predetermined multi-purpose blank IC card, and the blank IC card management information corresponding to the multi-purpose blank IC card issued to the customer. Information storage unit 135 (or information storage means) to be stored in the card management D / B 150.

The interface providing unit 110 has a functional configuration provided in the card issuing terminal 160 when a predetermined card issuing terminal 160 is connected to the blank IC card issuing server 100 through the interface unit 105. In response to the blank IC card issuing application information (or select) to generate a predetermined user interface that can be transmitted to the blank IC card issuing server 100 via the network means, or a predetermined database (not shown) And extracts the generated (or extracted) user interface to the card issuing terminal 160 through the network means in association with the interface unit 105.

Thereafter, the card issuing terminal 160 inputs (or selects) the blank IC card issuing application information based on the user interface, and inputs the input (or selected) blank IC card issuing application information through the network means. The blank IC card issuing server 100 is transmitted.

According to an embodiment of the present invention, when the card issuing terminal 160 is an employee terminal connected to a predetermined communication network, the interface providing unit 110 may provide a predetermined card issuing application program provided in the employee terminal. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 160 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 is a browser program provided in the client terminal. Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 160 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined blank IC card issuing application information from the card issuing terminal 160 via the user interface and transmits the information through the network means. And receiving the blank IC card issuing application information by interworking, and providing the received blank IC card issuing application information to the validity authentication unit 120 or the information generating unit 125.

According to an embodiment of the present invention, the blank IC card issuing application information may include at least one or more blank IC card use information for the multipurpose blank IC card and customer information for issuing the multipurpose blank IC card. desirable.

Here, the customer information included in the blank IC card issuance application information, personal information (eg, customer name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who has been issued the multipurpose blank IC card. It is preferable to comprise.

The blank IC card usage information included in the blank IC card issuance application information may include at least one type of card applet included in the blank IC card, processor processing capability and memory capacity information of the corresponding IC chip, and the like. It is preferable to include at least one, and when the use of the blank IC card is collectively designated by the blank IC card issuing agency according to the intention of the skilled person, the blank IC card use information may be omitted, thereby the present invention This is not limited.

The validity authentication unit 120 checks the validity of issuing the multipurpose blank IC card to the customer based on the customer information included in the received blank IC card issuing application information.

According to the method of the present invention, the validity confirmation for issuing the multi-purpose blank IC card to the customer, based on the customer name and resident registration number included in the customer information and a predetermined real name confirmation server through a predetermined communication means; It is preferable to include the identification of the real name of the customer in conjunction.

The information confirming unit 130 confirms predetermined IC chip information corresponding to the multipurpose blank IC card to be issued to the customer from the IC chip management D / B 155. Is provided to the information storage unit 135.

The information generating unit 125 generates (or extracts) predetermined applet issuing authentication information to be provided in the multipurpose blank IC card to the customer based on the blank IC card issuing application information received through the information receiving unit 115. The applet issuance authentication information preferably includes authentication information for authenticating the new card applet to the multipurpose blank IC card in the IC card.

According to an embodiment of the present invention, the information generating unit 125 includes an applet issuing authentication applet 215 including predetermined program code for the applet issuing authentication information to be used on an IC chip provided in the multi-purpose blank IC card. It is desirable to produce more.

When the predetermined applet issuing authentication information provided in the multipurpose blank IC card is generated by the information generating unit 125, the card issuing unit 140 issues the applet through a predetermined blank IC card issuing device 145. A multi-purpose blank IC card including authentication information is produced (or the applet issuance authentication information is provided on the multi-purpose blank IC card), and the multi-purpose blank IC card is provided (or shipped) to the customer.

Here, the blank IC card issuing device 145 includes a device for recording the applet issuance authentication information in a memory provided in the IC chip of the multipurpose blank IC card, wherein the information generating unit 125 is The applet issuing authentication information is generated (or extracted) in a file structure operable through a chip operating system (COS) provided in the IC chip, and the card issuing unit 140 controls the blank IC card issuing device 145. By writing the applet issuing authentication information in the memory of the IC chip through, to issue a predetermined multi-purpose blank IC card to be issued to the customer.

Thereafter, the information storage unit 135 is provided with the customer information included in the blank IC card issuing application information received from the customer through the information receiving unit 115, the generated applet issuing authentication information and issued to the customer A predetermined blank IC card includes IC chip information included in the multipurpose blank IC card and blank IC card management information including at least one applet issuance information corresponding to a card applet added (or newly) issued to the multipurpose blank IC card. It is characterized in that the storage in the management D / B (150), the applet issuing information when the multi-purpose blank IC card issuance is preferably made to include a null value (NULL).

Here, the customer information included in the blank IC card management information includes personal information (eg, customer name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a customer who has received the multipurpose blank IC card. It is preferable to make it.

The IC chip information included in the blank IC card management information may include IC chip unique information including an open platform included in the multipurpose blank IC card, IC chip COS (Chip Operating System) information, and the IC. It is preferable to include at least one or more processor information, memory information, encryption module information and the like provided in the chip.

The applet issuance authentication information included in the blank IC card management information may include at least one of a predetermined credit card, a check card, a debit card, a cash card, a brokerage card, a point card, and a transportation card in the multipurpose blank IC card. When issuing a new card applet (for example, card program code linked to the COS provided in the IC chip and the financial information used by the card program code) is issued, including information for authenticating the validity of the card applet issuance It is preferable.

The applet issuing information included in the blank IC card management information may include at least one card applet information that is additionally (or newly) issued to the multipurpose blank IC card, and the card applet is provided in the multipurpose blank IC card. At least one card applet configuration information included in the IC chip is preferably included.

2 is a diagram showing the IC chip function configuration provided in the multipurpose blank IC card according to one embodiment of the present invention.

In more detail, Figure 2 is for the IC chip function configuration provided in the multi-purpose blank IC card issued through the blank IC card issuing system shown in Figure 1, the person having ordinary skill in the art In this case, various implementation methods for the IC chip function configuration included in the multipurpose blank IC card may be inferred by referring to or modifying the drawing 2 before at least one additional (or new) card applet is issued. Is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to standards including ISO / IEC 7816 or ISO / IEC 14443, the IC chip of the multipurpose blank IC card is supplied with power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming Input / output interface 200 for communicating with a predetermined IC card terminal (eg, exchanging commands or data) through a contact point such as power supply (VPP) or input / output (I / O), CPU (Central Process Unit), MPU A processor unit 205 including at least one computing element including a micro process unit or a coprocessor, a read only memory (ROM), a random access memory (RAM), and an electrically erasable and programmable (EPPROM). And a memory unit 210 including at least one memory element including a read only memory (FM), a flash memory (FM), and the like. To manage An operating chip operating system (COS) is stored, and when a predetermined power is supplied from an IC card terminal through a power supply (VCC) contact point of the input / output interface 200, the memory unit 210 is supplied to the memory unit 210. The stored COS is loaded into a predetermined execution memory to control the overall operation of the IC chip, and to generate an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point. Control information or data exchange between the IC 'and IC card terminals.

Referring to FIG. 2, the memory unit 210 on the IC chip included in the multi-purpose blank IC card includes a plurality of card applet storage areas in which at least one card applet is to be recorded. Each card applet recorded in the area preferably comprises at least one data set and at least one card program code.

According to an embodiment of the present invention, the memory unit 210 of the IC chip includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 210 may be a chip serial number (CSN). It consists of a protection area for storing secret information, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and various card applets provided in the IC chip. Is preferably stored in an area excluding the protection area and the COS control area.

In addition, according to the ISO / IEC 7816 or ISO / IEC 14443 ICC standard, the memory unit 210 includes at least one master file (MF) corresponding to a root file and at least under the master file. Answer To Reset (ATR) containing function information for one or more card applets, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card disposed under the dedicated file. Includes a file structure consisting of an element file (EF) containing the actual information or data for the service, the card applet also includes the file structure as described above.

According to an embodiment of the present invention, an ATR including function information on at least one or more card applets included in the multipurpose blank IC card issued through the blank IC card issuing system shown in FIG. Or new) card applet issuing function information corresponding to the applet issuing authentication applet 215 is preferably stored, and when adding (or new) card applet to the multipurpose blank IC card, the ATR is added (or New) It is desirable to further store the function information corresponding to the issued card applet.

According to an embodiment of the present invention, the element file for storing the file control information is an element file for storing the data byte corresponding to the response to the SELECT FILE command transmitted by the terminal program provided in the IC card terminal to the IC card. , An FCP template that carries a Basic Encoding Rules-Tag, Length, Value (BER-TLV) data object File Control Parameter (FCP) defined in TABLE 2 of ISO / IEC 7816-4, or TABLE 2 of ISO / IEC 7816-4. The BER-TLV data object defined in the file management data (FMD) FMD template for delivering or FCI and FCI template for delivering the FMD, etc. The template is retrieved according to the selection of the SELECT FILE command. Generally, when an FCP or FMD selection is made, a corresponding template is mandatory. When an FCI selection is made, the use of an FCI template is optional.

According to an embodiment of the present invention, a method of selecting a specific card applet among a plurality of card applets included in the IC card includes a selection method by a file identifier, a selection method by a path, a selection method by an EF identifier, and the like. The method of selecting by file identifier is to use a two-byte identifier assigned to each file. The method of selecting a specific card applet through the identifier assigned to the dedicated file of each card applet is selected. A particular card applet is used to select a particular card applet, and a method of selecting by an EF identifier is to select a specific card applet through a 5-bit identifier between 0 and 30 assigned to each element file. In general, when the selection method by a file identifier and the selection method by a path are used, the card applet can be accessed through a SELECT FILE command, and unless a selection method by a file identifier is used as another embodiment of the present invention. The dedicated file of the card applet may be omitted.

According to the present invention, a predetermined applet issuing authentication applet 215 including the applet issuing authentication information is recorded in a predetermined storage area of the card applet storage area.

The applet issuance authentication applet 215 is driven or executed by a storage unit 225 for storing a data set corresponding to the applet issuance authentication information, an operation function of the processor unit 205 and an instruction set provided by a COS. And a program routine used by the terminal program (e.g., a Java applet in the case of Javacard) to the instruction call code and the processor unit 205 which interact with the instruction set of the COS. A processing unit 220 corresponding to a card application including an execution code that is arithmetic processed by the processor is provided. In particular, the processing unit 220 reads a command provided from the terminal program via the input / output interface 200 through an APDU. Read at least one or more information or data stored in the storage unit 225 based on the read command; Or, and record the result or read information or data to the terminal program via the input / output interface 200 through the APDU.

According to the method of the present invention, the applet issuance authentication applet 215 is disposed below the master file and includes a predetermined dedicated file including unique identification information or characteristic information of the card applet, and placed below the dedicated file. And an element file for storing file control information (FCI), and at least one element file for storing a data set constituting the card applet.

3 is a diagram illustrating a card issuing process for issuing a blank IC card according to an embodiment of the present invention.

In more detail, Figure 3 shows a predetermined card issuance application form through a card issuance interface (eg, the card issuance application, employee terminal, and network means) that a predetermined customer faces in the blank IC card issuing system shown in FIG. After filling out the form and submitting it to the card issuing staff, the card issuing staff inputs (or selects) the blank IC card issuing application information corresponding to the card issuing application through a predetermined card issuing terminal 160 to make the blank IC. When transmitting to the card issuing server 100, the blank IC card issuing server 100 illustrates a process of issuing a multi-purpose blank IC card for issuing the blank IC card to the customer based on the blank IC card issuing application information. As one of ordinary skill in the art to which the present invention pertains, the present invention may be referred to or modified with reference to FIG. Various implementation methods for issuing the multipurpose blank IC card for issuing the blank IC card may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. .

For example, FIG. 3 illustrates that the blank IC card management information is stored in the blank IC card management D / B 150 after the multipurpose blank IC card is manufactured and provided (or shipped) to the customer. However, according to the intention of the skilled person, the process of storing predetermined blank IC card management information in the blank IC card management D / B 150 may be performed before manufacturing the multipurpose blank IC card or when the multipurpose blank IC card is manufactured. The present invention may be performed before or after being provided (or shipped) to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 3, the card issuing terminal 160 shown in FIG. 1 is referred to as "terminal" for convenience, and the blank IC card issuing server 100 is referred to as "server" for convenience.

Referring to FIG. 3, a predetermined card is issued by the customer through a face-to-face card issuance interface (eg, the card issuance application, employee terminal, and network means) to issue the multipurpose blank IC card for issuing the blank IC card. After issuing an application form (e.g., a document having a form for filling in at least one information item for issuing the blank IC card) and submitting it to a card issuing staff, the terminal is assigned a predetermined number by the card issuing staff. Receive (or select) blank IC card issuing application information corresponding to the card issuance application written by the customer through a user interface (◎ 300), and transmit the blank IC card issuing application information to the server through the network means. (305).

According to an embodiment of the present invention, the blank IC card issuing application information may include at least one or more blank IC card use information for the multipurpose blank IC card and customer information for issuing the multipurpose blank IC card. desirable.

Here, the customer information included in the blank IC card issuance application information, personal information (eg, customer name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who has been issued the multipurpose blank IC card. It is preferable to comprise.

The blank IC card usage information included in the blank IC card issuance application information may include at least one type of card applet included in the blank IC card, processor processing capability and memory capacity information of the corresponding IC chip, and the like. It is preferable to include at least one, and according to the intention of the person skilled in the art, when the use of the blank IC card is collectively designated by the blank IC card issuing authority, the blank IC card use information may be omitted, whereby the present invention This is not limited.

Thereafter, the server receives and reads the blank IC card issuing application information from the terminal through the network means, and issues the blank IC card to the customer based on the customer information included in the blank IC card issuing application information. Check the card issuance validity for issuing the multi-purpose blank IC card (310).

According to the method of the present invention, the validity confirmation for issuing the multi-purpose blank IC card to the customer, based on the customer name and resident registration number included in the customer information and a predetermined real name confirmation server through a predetermined communication means; It is preferable to include the identification of the real name of the customer in conjunction.

If the validity to issue the multipurpose blank IC card to the customer is not authenticated through the blank IC card issuing application information (315), the server provides card issuing error information to the customer through the card issuing interface. And stop issuing the multi-purpose blank IC card to the customer.

On the other hand, if the validity of issuing the multipurpose blank IC card to the customer through the blank IC card issuing application information is authenticated (315), the server may issue a multipurpose blank to be issued to the customer based on the blank IC card issuing application information. ◎ 325) which generated (or extracted) predetermined applet issuance authentication information corresponding to the IC card.

Here, the generated applet issuance authentication information preferably comprises a file structure operable through a COS (Chip Operating System) provided in the IC chip.

Thereafter, the server produces a predetermined multipurpose blank IC card having the applet issuing authentication information through a predetermined blank IC card issuing device 145 and provides (or delivers) the predetermined multipurpose blank IC card to the customer.

Here, the blank IC card issuing device 145 preferably includes a device for recording the applet issuing authentication information in a memory provided in the IC chip of the multipurpose blank IC card.

Thereafter, the server extracts IC chip information corresponding to the multipurpose blank IC card issued to the customer from the IC chip management D / B 155 (335), and the customer included in the blank IC card issuing application information. Information, the generated applet issuance authentication information, the IC chip information included in the multipurpose blank IC card issued to the customer, and the applet issuance information corresponding to the card applet added (or newly) issued to the multipurpose blank IC card. Storing at least one blank IC card management information including at least one in a predetermined blank IC card management D / B 150 (340), wherein the applet issuance information includes a null value when issuing the multipurpose blank IC card; It is preferable.

Here, the customer information included in the blank IC card management information includes personal information (eg, customer name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a customer who has received the multipurpose blank IC card. It is preferable to make it.

The IC chip information included in the blank IC card management information may include IC chip unique information including an open platform included in the multipurpose blank IC card, IC chip COS (Chip Operating System) information, and the IC. It is preferable to include at least one or more processor information, memory information, encryption module information and the like provided in the chip.

The applet issuance authentication information included in the blank IC card management information may include at least one of a predetermined credit card, a check card, a debit card, a cash card, a brokerage card, a point card, and a transportation card in the multipurpose blank IC card. When issuing a new card applet (for example, card program code linked to the COS provided in the IC chip and the financial information used by the card program code) is issued, including information for authenticating the validity of the card applet issuance It is preferable.

The applet issuing information included in the blank IC card management information may include at least one card applet information that is additionally (or newly) issued to the multipurpose blank IC card, and the card applet is provided in the multipurpose blank IC card. At least one card applet configuration information included in the IC chip is preferably included.

4 is a diagram illustrating a card issuing process for issuing a blank IC card according to another embodiment of the present invention.

In more detail, FIG. 4 shows a non-face-to-face card issuing interface (e.g., client terminal and network means including at least one wired terminal or wireless terminal) in which a predetermined customer in the blank IC card issuing system shown in FIG. By connecting to the blank IC card issuing server 100 through inputting (or selecting) predetermined blank IC card issuing application information and transmitting the information, the blank IC card issuing server 100 transmits the blank IC card issuing application information. Based on the process of issuing a multi-purpose blank IC card for issuing the blank IC card to the customer based on the present invention, those of ordinary skill in the art to which the present invention pertains may refer to or modify the blank of FIG. It is possible to infer various implementation methods for issuing the multi-purpose blank IC card for issuing the IC card. The present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 4.

For example, FIG. 4 illustrates that the blank IC card management information is stored in the blank IC card management D / B 150 after the multipurpose blank IC card is manufactured and provided (or shipped) to the customer. However, according to the intention of the skilled person, the process of storing predetermined blank IC card management information in the blank IC card management D / B 150 may be performed before manufacturing the multipurpose blank IC card or when the multipurpose blank IC card is manufactured. The present invention may be performed before or after being provided (or shipped) to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 4, the card issuing terminal 160 shown in FIG. 1 is referred to as a "terminal" for convenience, and the blank IC card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 4, the customer accesses the server through a predetermined terminal, connects a communication channel for card issuance application, and issues the multipurpose blank IC card for issuing the blank IC card through the communication channel. In operation 400, the server generates (or extracts) a user interface for issuing the multipurpose blank IC card and provides the terminal to the terminal through the communication channel (405).

Thereafter, the terminal receives (or selects) the blank IC card issuing application information through the user interface and transmits the input (or selected) of the blank IC card issuing application information to the server through the communication channel ( 410).

According to an embodiment of the present invention, the blank IC card issuing application information may include at least one or more blank IC card use information for the multipurpose blank IC card and customer information for issuing the multipurpose blank IC card. desirable.

Here, the customer information included in the blank IC card issuance application information, personal information (eg, customer name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who has been issued the multipurpose blank IC card. It is preferable to comprise.

The blank IC card usage information included in the blank IC card issuance application information may include at least one type of card applet included in the blank IC card, processor processing capability and memory capacity information of the corresponding IC chip, and the like. It is preferable to include at least one, and according to the intention of the person skilled in the art, when the use of the blank IC card is collectively designated by the blank IC card issuing authority, the blank IC card use information may be omitted, whereby the present invention This is not limited.

Thereafter, the server receives and reads the blank IC card issuing application information from the terminal through the network means, and issues the blank IC card to the customer based on the customer information included in the blank IC card issuing application information. The card issuance validity for issuing the multipurpose blank IC card is verified (415).

According to the method of the present invention, the validity confirmation for issuing the multi-purpose blank IC card to the customer, based on the customer name and resident registration number included in the customer information and a predetermined real name confirmation server through a predetermined communication means; It is preferable to include the identification of the real name of the customer in conjunction.

If the validity to issue the multipurpose blank IC card to the customer is not authenticated through the blank IC card issuing application information (420), the server provides card issuing error information to the customer through the card issuing interface. 425, stop issuing the multipurpose blank IC card to the customer.

On the other hand, if the validity to issue the multi-purpose blank IC card to the customer through the blank IC card issuing application information is authenticated (420), the server multi-purpose blank to be issued to the customer based on the blank IC card issuing application information ◎ 430) generated (or extracted) predetermined applet issuance authentication information corresponding to the IC card.

Here, the generated applet issuance authentication information preferably comprises a file structure operable through a COS (Chip Operating System) provided in the IC chip.

Thereafter, the server produces a predetermined multipurpose blank IC card having the applet issuance authentication information through a predetermined blank IC card issuing device 145 and provides (or delivers) the predetermined multipurpose blank IC card to ◎ 435.

Here, the blank IC card issuing device 145 preferably includes a device for recording the applet issuing authentication information in a memory provided in the IC chip of the multipurpose blank IC card.

Thereafter, the server extracts IC chip information corresponding to the multipurpose blank IC card issued to the customer from the IC chip management D / B 155 (435), and the customer included in the blank IC card issuing application information. Information, the generated applet issuance authentication information, the IC chip information included in the multipurpose blank IC card issued to the customer, and the applet issuance information corresponding to the card applet added (or newly) issued to the multipurpose blank IC card. Storing at least one blank IC card management information including at least one blank IC card management D / B 150 (440), wherein the applet issuance information includes a null value when issuing the multipurpose blank IC card; It is preferable.

Here, the customer information included in the blank IC card management information includes personal information (eg, customer name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of a customer who has received the multipurpose blank IC card. It is preferable to make it.

The IC chip information included in the blank IC card management information may include IC chip unique information including an open platform included in the multipurpose blank IC card, IC chip COS (Chip Operating System) information, and the IC. It is preferable to include at least one or more processor information, memory information, encryption module information and the like provided in the chip.

The applet issuance authentication information included in the blank IC card management information may include at least one of a predetermined credit card, a check card, a debit card, a cash card, a brokerage card, a point card, and a transportation card in the multipurpose blank IC card. When issuing a new card applet (for example, card program code linked to the COS provided in the IC chip and the financial information used by the card program code) is issued, including information for authenticating the validity of the card applet issuance It is preferable.

The applet issuing information included in the blank IC card management information may include at least one card applet information additionally (or newly) issued to the multipurpose blank IC card, and the card applet is provided in the multipurpose blank IC card. At least one card applet configuration information included in the integrated IC chip is preferably included.

5 illustrates a card applet issuing system for issuing a card applet to a multi-purpose blank IC card according to an embodiment of the present invention.

In more detail, Figure 5 shows a credit card applet, a check card applet, a debit card applet, a cash card applet, a securities company card applet, a point on a predetermined multipurpose blank IC card issued through the blank IC card issuing system shown in FIG. A card applet issuing system configuration for issuing at least one or more card applets among a card applet and a traffic card applet and converting the card applet into a predetermined multi-purpose financial IC card. Specifically, a predetermined customer receives a predetermined card company through a predetermined card issuing interface. When the predetermined card issuance application information is provided to a financial institution, a securities company, or a card issuer, the card information corresponding to the card issuance application information is provided by the card company (or a financial company, a securities company, or a card issuer). Generates and provides the blank IC card issuing authority, the blank IC The card issuing agency generates a predetermined card applet including the card information, and includes the card information in a predetermined multipurpose blank IC card issued to the customer through the blank IC card issuing system shown in FIG. A method of issuing a card applet is shown.

Those skilled in the art to which the present invention pertains may refer to various modifications of the configuration of a card applet issuing system for issuing a card applet to the multipurpose blank IC card by referring to or modifying the present invention. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more card information to be issued to the multi-purpose blank IC card based on the card issuing application information provided from the customer through a predetermined card issuing interface on the card applet issuing system shown in FIG. A component corresponding to one or more means or functional configurations is called a "card issuing server 500" for convenience, and the predetermined card applet includes card information generated by the card issuing server 500 at the blank IC card issuer. A component corresponding to at least one or more means or functional configurations for generating and recording the multi-purpose blank IC card is referred to as " applet issuing server 505 " for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, a card applet issuing system for issuing a card applet to the multipurpose blank IC card is provided in at least one card company (or financial company, securities company, card issuer, etc.). If the card terminal is used by the staff issuing staff, or if the card applet issuing system supports a non-face-to-face card issuance application, comprising a client terminal including at least one wired terminal or a wireless terminal used by the customer The card issuing terminal 590 and the card issuing terminal 590 are connected through a predetermined network means, and are provided at a predetermined card company (or a financial company, a securities company, or a card issuer). The card issuing server 500 and the card issuing server 500 are connected to each other through a predetermined communication means. And an applet issuing server 505, which is connected to the card issuing terminal 590 and the network means and is provided in the blank IC card issuing institution.

According to the present invention, the card issuing terminal 590 is characterized by comprising a predetermined IC card reader for issuing at least one or more card applets to the multipurpose blank IC card.

According to another embodiment of the present invention, the applet issuing server 505 is provided at the card company (or financial company, securities company, card issuer, etc.) in addition to the blank IC card issuer, or the blank IC card issuer. It may be provided in at least one or more affiliated institutions in cooperation with the card applet issuance service, thereby the present invention is not limited.

According to one embodiment of the present invention, the customer visits the card company (or financial company, or brokerage company, or card issuer, etc.) to issue a card applet to the multipurpose blank IC card, and the card company (or financial company, or brokerage company). Or a card issuing application (e.g., a card applet to the multipurpose blank IC card) for issuing a card applet to the multipurpose blank IC card through a window (or a card issuing staff) provided at the card issuer. A document with a form for filling in at least one information item for issuing a card) (or the card issuer visits the customer to issue a card applet to the multipurpose blank IC card). The card issuance application form). Upon submission to the issuing staff, the card issuing staff enters (or selects) the information entered in the card issuing application through a predetermined staff terminal, and the staff terminal transmits the entered (or selected) information to the network. It is preferable to transmit to the card issuing server 500 provided on the card applet issuing system through the means.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the card company (or financial company, securities company, card issuer, etc.), the card issuing server connected to the employee terminal ( 500 preferably comprises a server provided on the card company (or financial company, securities company, card issuer, etc.), the network means for connecting the employee terminal and the card issuing server 500 is It is preferable to include a communication network connecting the communication channel between the employee terminal and the card issuing server 500.

In the card applet issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the communication network connecting the employee terminal and the card issuing server 500 is the customer It functions as a card issuing interface for registering card issuing application information to issue a card applet to a multi-purpose blank IC card.

According to another exemplary embodiment of the present invention, when the card applet issuing system supports a non-face-to-face card issuance application, the customer may include at least one of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Card issuing application information for accessing the card issuing server 500 through at least one client terminal and issuing a card applet to the multipurpose blank IC card through at least one or more user interfaces provided by the card issuing server 500. When inputting (or selecting), the client terminal is preferably transmitted to the card issuing server 500 provided on the card applet issuing system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network and includes a desktop computer or a notebook computer connected to the TCP / IP based communication network. Notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network. desirable.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to a wireless communication network based on High Speed Downlink Packet Access (HSDPA), or IEEE 802.16x. A generic term for all terminal devices connected to a mobile Internet based on the Internet, or all terminal devices connected to a Motorola DataTAC method or an Erricson Mobitex method wireless data communication network, and a personal communication system (PCS) connected to the CDMA-based mobile communication network. Or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phones) or telematics (Telematics) or HSDPA (High Speed Downlink Packet Access) based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 500, and inputs or selects at least one or more information through the user interface to transmit the card issuance server 500. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the card issuing server 500) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one wired terminal or a wireless terminal, and thus a detailed description thereof will be omitted for convenience.

In the card applet issuing system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the card issuing server 500. The communication network performs a function of a card issuing interface for registering the card issuing application information for the customer to issue a card applet to the multipurpose blank IC card.

According to another exemplary embodiment of the present invention, when the card applet issuing system supports a non-face-to-face card issuing application, the card issuing terminal 590 is a predetermined communication network (eg, in addition to the employee terminal or the client terminal). Or a financial automatic machine (not shown) including an automatic teller machine (ATM) and a cash dispenser (CD) connected to the financial common network, or a predetermined public telephone network ( It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or a predetermined wireless telephone network connected to a mobile communication network or a wireless VoIP network. At least one or more of the currency terminal (not shown), or affiliated with the card company (or financial company, securities company, card issuer, etc.) Terminal (or server) (not shown) provided in one or more institutions may be further included, whereby the present invention is not limited.

In the case of supporting a non-face-to-face card issuing application as described above, when the card issuing terminal 590 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( The communication network connecting the card issuing server 500 performs a function of a card issuing interface for registering the card issuing application information for the customer to issue a card applet to the multipurpose blank IC card. When the card issuing terminal 590 is the call terminal (not shown), the wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 500 may be used. Perform a function of a card issuing interface for registering a card issuing application information for the customer to issue a card applet to the multipurpose blank IC card; or When the card issuing terminal 590 is a terminal (or server) (not shown) provided in an institution affiliated with the card company (or financial company, securities company, card issuer, etc.), the terminal (or server) (not shown) O) and a network connecting the terminal (or server) (not shown) and the card issuing server 500 to register the card issuing application information for the customer to issue a card applet to the multi-purpose blank IC card. Perform the function of the issue interface.

The card information D / B 545 provided on the card applet issuing system according to the present invention issues a predetermined issue target card to the customer based on the card issuing application information provided from the card issuing terminal 590. After that, it is characterized in that for storing the card operation information according to the card issuance.

According to an embodiment of the present invention, the card information D / B 545 is preferably provided in a DBMS on a predetermined financial system provided on the card applet issuing system (or associated with the card applet issuing system). In this case, the card information D / B 545 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the card information D / B 545 is based on (or associated with) the card applet issuing system, an online payment system, or a WAP based wireless payment system, or an IC chip based. It is possible to be provided in the DBMS on at least one or more of the wireless payment system or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 545 is provided on (or associated with) the card applet issuing system, an internet banking system, a telebanking system, or a wireless banking system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 545 interoperates with a server (or device) that performs a predetermined information processing function using the card operation information on the card applet issuing system. It is preferable to be provided in a predetermined DBMS, and the position where the card information D / B 545 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card issuing server 500 provided on the card applet issuing system according to the present invention is a generic term for the card applet issuing system side components connected to the card issuing terminal 590 through a predetermined network means. It may be implemented by including the above server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the method of the present invention, the card issuing server 500 connects a communication channel for providing a predetermined card issuing interface to the card issuing terminal 590 via the network means (or interface unit 510) (or Interface means).

According to an embodiment of the present invention, when the card issuing terminal 590 is an employee terminal connected to a predetermined communication network, the interface unit 510 is assigned to the employee terminal based on the protocol stack defined in the communication network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 590 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 510 implements a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 510 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 500, the interface unit 510 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 590 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 510 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 510 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a card issuance application program provided by the card issuing server 500, the interface unit 510 connects the communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 5, the card issuing server 500 interworks with the interface unit 510 when a predetermined card issuing terminal 590 is connected to the card issuing server 500 through the interface unit 510. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 590 to the card issuing terminal 590. 515 (or an interface providing means) and the card issuing terminal 590 to receive predetermined card issuing application information transmitted (or selected) by the card issuing terminal 590 through the user interface. Validity of checking the validity of issuing the issue target card to the customer based on the information receiving unit 520 (or information receiving means) and the received card issuance application information. An information generating unit 530 for generating (or extracting) predetermined card information corresponding to an issue target card to be issued to the customer based on the increase unit 525 (or validity authentication means) and the received card issuance application information. (Or information generating means) and an information storage unit 535 (or information storage) for storing card operation information including the customer information for issuing the card and the generated card information in the card information D / B 545. Means) and an information transmitting unit 540 (or information transmitting means) for transmitting the customer information and the card information to the applet issuing server 505 through a predetermined communication means (for example, a dedicated communication network). It features.

The interface providing unit 515 corresponds to a functional configuration provided in the card issuing terminal 590 when a predetermined card issuing terminal 590 is connected to the card issuing server 500 through the interface unit 510. Input (or select) the card issuing application information to generate a predetermined user interface which can be transmitted to the card issuing server 500 through the network means, or extract from a predetermined database (not shown), It is characterized in that to provide the user interface generated (or extracted) in conjunction with the interface unit 510 to the card issuing terminal 590 through the network means.

Thereafter, the card issuing terminal 590 inputs (or selects) the card issuing application information based on the user interface, and inputs the (is selected) the card issuing application information through the network means. Send to 500.

According to an embodiment of the present invention, when the card issuing terminal 590 is an employee terminal connected to a predetermined communication network, the interface providing unit 515 may provide a predetermined card issuing application program provided in the employee terminal. It is preferable to generate (or extract) a user interface and provide the created (or extracted) user interface to the employee terminal through the interface unit 510.

According to another exemplary embodiment of the present invention, when the card issuing terminal 590 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 515 is a browser program provided in the client terminal. Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 510.

According to another exemplary embodiment of the present invention, when the card issuing terminal 590 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 515 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 510.

The information receiving unit 520 inputs (or selects) predetermined card issuing application information from the card issuing terminal 590 through the user interface and transmits the same through the network means. And receiving the card issuing application information, and providing the received card issuing application information to the validity authentication unit 525 or the information generating unit 530.

According to an embodiment of the present invention, the card issuing application information includes at least one or more card information of the card issuing customer and card attribute information on the card to be issued.

Here, the customer information is personal information of the card issuing customer (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the card issuing server 500. At least one member information (for example, member ID information) is preferably included.

The card attribute information to be issued preferably includes a card type that the customer requests to issue to the card company (or a financial company, a securities company, a card issuer, etc.), and various attribute information corresponding to the card. By doing so, the information generating unit 530 generates card information corresponding to any one of credit card information, check card information, debit card information, cash card information, securities company card information, point card information and traffic card information. do.

The validity authentication unit 525 checks the validity of issuing the issue target card to the customer based on the customer information included in the received card issuance application information.

According to the implementation method of the present invention, the validity confirmation for issuing the issue card to the customer, based on the customer name and resident registration number included in the customer information through a predetermined communication means predetermined real name verification server (shown And confirming the real name of the customer.

In addition, when the issuance target card includes a credit card, the validity check for issuing the issuance target card to the customer is linked with a predetermined credit rating server through a predetermined communication means based on the customer information. It is preferable to include a check to the credit information of the customer.

In addition, when the issuance target card comprises a check card / debit card, the validity check for issuing the issuance target card to the customer is performed based on the customer information. It is preferable that the customer account associated with the debit card is made in connection with a financial institution server opened and confirms whether the customer account is opened and normally operated.

Those skilled in the art to which the present invention pertains, in addition to the above-mentioned issuance target card will be familiar with the validation method corresponding to various issue target cards, detailed description thereof will be omitted for convenience.

The information generating unit 530 generates (or extracts) predetermined card information corresponding to the issue target card to the customer based on the card issuing application information received through the information receiving unit 520. The card information may include at least one card number (eg, 16-digit card number), an expiration date information (some may be omitted), and card issuer information (or code) corresponding to the card to be issued.

For example, the card number (although some exceptions exist) preferably includes a 4-digit card issuer number, a 2-digit card type number, a 9-digit serial number, and a check digit.

Preferably, the validity period information includes a period (or an expiration date and time) in which the issueable card can be used, and may be omitted when the validity period does not exist in the issuer card, thereby limiting the present invention. Not.

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the issue card to the customer.

When the predetermined card information corresponding to the issue target card is generated by the information generating unit 530, the information storing unit 535 receives the card issuing application information received from the customer through the information receiving unit 520. Card operation information including at least one of the customer information and the generated card information included in the stored in the card information D / B (545).

Here, the customer information included in the card operation information includes personal information of the card issuing customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer is the card. At least one member information (for example, member ID information) subscribed to the issuing server 500 may be included.

The card information included in the card operation information may correspond to any one of credit card information, check card information, debit card information, cash card information, securities company card information, point card information and traffic card information.

The information transmitter 540 transmits the customer information and the card information to a predetermined applet issuing server 505 provided in the blank IC card issuer through a predetermined communication means.

According to the exemplary embodiment of the present invention, after the customer information and the card information are transmitted to the applet issuing server 505 by the information transmitting unit 540, the interface providing unit 515 is the card issuing terminal 590 ) And the applet issuing server 505 is preferably processed to communicate with each other.

According to an embodiment of the present invention, the applet issuing server 505 is an interface unit 550 (or connection) for connecting a communication channel for providing a predetermined applet issuing interface to the card issuing terminal 590 through the network means. Interface means).

According to an embodiment of the present invention, when the card issuing terminal 590 is an employee terminal connected to a predetermined communication network, the interface unit 550 may be assigned to the employee terminal based on the protocol stack defined in the communication network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 590 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 550 implements a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 550 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a predetermined card issuance application program provided by the applet issuing server 505, the interface unit 550 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 590 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 550 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 550 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, if the client terminal is provided with a card issuance application program provided by the applet issuing server 505, the interface unit 550 connects a communication channel with the client terminal based on the CDMA protocol, and the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 5, the applet issuing server 505 may include an information receiving unit 555 (or information receiving means) for receiving predetermined customer information and card information from the card issuing server 500 through a predetermined communication means. And a validity confirming unit 560 (or validity confirming means) for confirming validity of card applet issuance for the received customer information and card information.

When the card issuing server 500 generates card information corresponding to a predetermined issue target card and transmits the customer information and the card information applying for the card issuance, the information receiving unit 555 provides a predetermined communication means. It characterized in that for receiving the customer information and card information transmitted from the card issuing server 500 through.

The validity checker 560 compares the customer information received from the card issuing server 500 with the customer information included in the blank IC card management D / B 585, thereby matching the customer information. The multipurpose blank IC card of the method characterized in that it is possible to issue a card applet corresponding to the card information.

Referring to FIG. 5, the applet issuing server 505 is connected to the interface unit 550 when the card issuing terminal 590 is connected to the applet issuing server 505 through the interface unit 550. An interface providing unit 565 (or interface providing means) for generating (or extracting) a predetermined applet issuing interface from the card issuing terminal 590 and providing the card issuing terminal 590 to the card issuing terminal 590 and the received card; An applet generating unit 570 (or applet generating means) for generating a predetermined card applet including information, and applet issuing authentication information included in the blank IC card management D / B 585 in the card applet; An applet issuing unit 575 (or applet) which transmits to the card issuing terminal 590 and issues a card applet corresponding to the card information through a predetermined IC card reader provided in the card issuing terminal 590. Issuing means) and information storage unit 580 (or information storing means) for storing the applet issuing information corresponding to the card applet issuing in the blank IC card management D / B 585 in association with the customer information. It characterized by comprising a.

The interface providing unit 565 receives predetermined card applets and applet issuing authentication information from the applet issuing server 505 at the card issuing terminal 590 and transmits the applet issuing authentication information through a predetermined IC card reader. Using the card applet to authenticate the card applet on the multi-purpose blank IC card, and recording the card applet to a card applet storage area on the IC chip provided in the multi-purpose blank IC card according to the authentication result. It is characterized by providing a predetermined applet issuing interface to the card issuing terminal 590.

According to another embodiment of the present invention, the card issuing terminal 590 receives predetermined card applets and applet issuing authentication information from the applet issuing server 505, and receives the applet issuing authentication information through a predetermined IC card reader. Using the card applet to authenticate the card applet on the multi-purpose blank IC card, and recording the card applet to a card applet storage area on the IC chip provided in the multi-purpose blank IC card according to the authentication result. When a predetermined applet issuing program is provided, the interface providing unit 565 may not provide the applet issuing interface to the card issuing terminal 590, but the present invention is not limited thereto.

When the validity of the card applet issuance is confirmed by the validity checker 560, the applet generation unit 570 generates a predetermined card applet including the received card information. And a program code and a file structure recorded in a memory on an IC chip provided in the multipurpose blank IC card and operable through a COS (Chip Operating System) provided in the IC chip.

According to an embodiment of the present invention, the card applet generated by the applet generating unit 570 may include at least a credit card applet, a check card applet, a debit card applet, a cash card applet, a securities company card applet, a point card applet and a traffic card applet. It is preferable to include one or more.

When the card applet is generated by the applet generating unit 570, the applet issuing unit 575 includes applet issuing authentication information included in the blank IC card management D / B 585 in the card applet. Characterized in that it is transmitted to the card issuing terminal 590, the applet issuing interface (or applet issuing program) provided in the card issuing terminal 590 receives the card applet and applet issuing authentication information, the card issuing By providing the applet issuance authentication information to the multi-purpose blank IC card through a predetermined IC card reader provided in the terminal 590, after confirming the validity of the card applet issuance, the card applet is read through the IC card reader. The card applet is written to the multipurpose blank IC by writing to a card applet storage area on the IC chip provided in the multipurpose blank IC card. It characterized in that it issued to the node.

According to the method of the present invention, it is preferable that the multipurpose blank IC card issued with at least one card applet is automatically converted into a multipurpose financial IC card by the additional (or new) issued card applet.

When the card applet is issued (or newly added) to the multipurpose blank IC card, the information storage unit 580 manages the blank IC card by linking predetermined applet issuance information corresponding to the card applet issuance with the customer information. It stores in the D / B (585).

Here, the applet issuing information may include at least one card applet information additionally (or newly) issued to the multipurpose blank IC card, and card applet configuration information provided at the IC chip provided in the multipurpose blank IC card. It is preferable to include at least one.

Fig. 6 is a diagram showing the IC chip function structure provided in the multipurpose financial IC card according to another embodiment of the present invention.

In more detail, FIG. 6 shows a credit card applet, a check card applet, a debit card applet, and a multi-purpose blank IC card issued through the blank IC card issuing system shown in FIG. 1 through a card applet issuing system shown in FIG. The present invention relates to an IC chip function configuration provided in a multipurpose financial IC card in which at least one card applet of a cash card applet, a securities company card applet, a point card applet, and a transportation card applet has been issued. If the person having the present invention can be deduced by referring to or modifying this figure 6, after at least one or more additional (or new) card applets are issued, various implementation methods for the IC chip function configuration included in the multipurpose financial IC card may be inferred. , The present invention comprises all the implementation method inferred, the embodiment shown in Figure 6 The technical features are not limited only by law.

Referring to standards including ISO / IEC 7816 or ISO / IEC 14443, the IC chip of the multi-purpose financial IC card includes power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), and programming. I / O interface 600 for communicating with a predetermined IC card terminal (eg, exchanging commands or data) through a contact point such as power supply (VPP) or input / output (I / O), CPU (Central Process Unit), MPU A processor unit 605 including at least one computing element including a micro process unit or a coprocessor, a read only memory (ROM), a random access memory (RAM), and an electrically erasable and programmable (EPPROM). And a memory unit 610 including at least one memory element including a read only memory (FM), a flash memory (FM), and the like. To manage A zero chip operating system (COS) is stored, which is stored in the memory unit 610 when predetermined power is supplied from the IC card terminal through a power supply (VCC) contact point of the input / output interface 600. COS is loaded into a predetermined execution memory to control the overall operation of the IC chip, and through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point. Control the exchange of information or data between the IC 'and IC card terminals.

Referring to FIG. 6, the memory unit 610 on the IC chip included in the multipurpose financial IC card is a credit card applet, a check card applet, a debit card applet, and a cash card applet through the card applet issuing system shown in FIG. And recording at least one card applet of a securities firm card applet, a point card applet, and a traffic card applet into each card applet storage area, each card applet storing at least one data set and at least one card program code. It is preferable to comprise as mentioned above.

According to an embodiment of the present invention, the memory unit 610 of the IC chip includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 610 may be a chip serial number (CSN). It consists of a protection area for storing secret information, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and various card applets provided in the IC chip. Is preferably stored in an area excluding the protection area and the COS control area.

In addition, according to the ISO / IEC 7816 or ISO / IEC 14443 ICC standard, the memory unit 610 includes at least one master file (MF) corresponding to a root file and at least under the master file. Answer To Reset (ATR) containing function information for one or more card applets, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card disposed under the dedicated file. Includes a file structure consisting of an element file (EF) containing the actual information or data for the service, the card applet also includes the file structure as described above.

According to an embodiment of the present invention, the ATR including function information on at least one card applet provided in the multipurpose financial IC card may include at least one additional issue issued through the card applet issuing system shown in FIG. Or new) card function applet.

According to an embodiment of the present invention, the element file for storing the file control information is an element file for storing the data byte corresponding to the response to the SELECT FILE command transmitted by the terminal program provided in the IC card terminal to the IC card. , An FCP template that carries a Basic Encoding Rules-Tag, Length, Value (BER-TLV) data object File Control Parameter (FCP) defined in TABLE 2 of ISO / IEC 7816-4, or TABLE 2 of ISO / IEC 7816-4. The BER-TLV data object defined in the file management data (FMD) FMD template for delivering or FCI and FCI template for delivering the FMD, etc. The template is retrieved according to the selection of the SELECT FILE command. Generally, when an FCP or FMD selection is made, a corresponding template is mandatory. When an FCI selection is made, the use of an FCI template is optional.

According to an embodiment of the present invention, a method of selecting a specific card applet among a plurality of card applets included in the IC card includes a selection method by a file identifier, a selection method by a path, a selection method by an EF identifier, and the like. The method of selecting by file identifier is to use a two-byte identifier assigned to each file. The method of selecting a specific card applet through the identifier assigned to the dedicated file of each card applet is selected. A particular card applet is used to select a particular card applet, and a method of selecting by an EF identifier is to select a specific card applet through a 5-bit identifier between 0 and 30 assigned to each element file. In general, when the selection method by a file identifier and the selection method by a path are used, the card applet can be accessed through a SELECT FILE command, and unless a selection method by a file identifier is used as another embodiment of the present invention. The dedicated file of the card applet may be omitted.

According to the present invention, at least one additional (or new) card applet issued through the card applet issuing system shown in FIG. 5 includes a data set including at least one financial information corresponding to each card applet. In the case of a program routine (e.g., Javacard) that is driven or executed by a storage unit for storing, an operation function of the processor unit 605, and an instruction set provided by a COS, and used by the terminal program. JAVA Applet) is provided with a processing unit corresponding to a card application including an instruction call code that interacts with the instruction set of the COS and execution code that is processed by the processor unit 605, in particular the processing unit. Is generated from the terminal program via the input / output interface 600 through an APDU. Reads a given command, reads or records at least one or more information or data stored in the storage based on the read command, and outputs the result or read information or data through the APDU through the input / output interface ( Characterized in that it is provided to the terminal program via 600).

According to an embodiment of the present invention, the at least one additional (or new) card applet issued through the card applet issuing system shown in FIG. 5 may be disposed below the master file and may include unique identification information for the card applet. A predetermined file including characteristic information and an element file disposed under the dedicated file and storing file control information (FCI), and storing a data set constituting the card applet. It is preferable to include at least one element file.

Those skilled in the art to which the present invention pertains will be able to infer technical features in the element file corresponding to the card applet based on the proposed financial IC card standard, the detailed description thereof is for convenience. Omit.

7 is a diagram illustrating a card issuing process for issuing a card applet to a multipurpose blank IC card according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates that a predetermined customer issuing a predetermined card issuance application through a face-to-face card issuance interface (eg, the card issuance application, employee terminal, and network means) in the card applet issuing system shown in FIG. After filling out and submitting to the card issuing staff, the card issuing staff enters (or selects) card issuing application information corresponding to the card issuing application through a predetermined card issuing terminal 590 and the card issuing server 500 And a process of generating predetermined card information based on the card issuing application information from the card issuing server 500 and providing the predetermined card information to the applet issuing server 505. If a person of ordinary skill in the art, by referring to or modifying the present Figure 7 to issue a card applet to the multi-purpose blank IC card Would be able to infer the various method embodiments, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 7.

Hereinafter, in FIG. 7, the card issuing terminal 590 shown in FIG. 5 is called "terminal" for convenience, and the card issuing server 500 is called "server" for convenience.

Referring to Figure 7, a card issuance application (e.g., a card issuance application through a face-to-face card issuance interface (e.g., the card issuance application, employee terminal and network means) for issuing a card applet to the multi-purpose blank IC card (e.g., , A document having a form for filling in at least one information item for issuing a card applet on the multi-purpose blank IC card) is prepared and submitted to a card issuing staff, and the terminal is determined by the card issuing staff. Receives (or selects) card issuance application information corresponding to the card issuance application written by the customer through the user interface (700), and transmits the card issuance application information to the server through the network means (705).

According to an embodiment of the present invention, the card issuing application information includes at least one or more card information of the card issuing customer and card attribute information on the card to be issued.

Here, the customer information is personal information of the card issuing customer (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the card issuing server 500. Preferably, at least one member information (eg, member ID information) is included.

The card attribute information to be issued preferably includes a card type that the customer requests to issue to the card company (or a financial company, a securities company, a card issuer, etc.), and various attribute information corresponding to the card. By doing so, the information generating unit 530 generates card information corresponding to any one of credit card information, check card information, debit card information, cash card information, securities company card information, point card information and traffic card information. do.

Thereafter, the server receives and reads the card issuance application information from the terminal through the network means, and issues a card for issuing the issue card to the customer based on the customer information included in the card issuance application information. Validation is checked (710).

According to the implementation method of the present invention, the validity confirmation for issuing the issue card to the customer, based on the customer name and resident registration number included in the customer information through a predetermined communication means predetermined real name verification server (shown And confirming the real name of the customer.

In addition, when the issuance target card includes a credit card, the validity check for issuing the issuance target card to the customer is linked with a predetermined credit rating server through a predetermined communication means based on the customer information. It is preferable to include a check to the credit information of the customer.

In addition, when the issuance target card comprises a check card / debit card, the validity check for issuing the issuance target card to the customer is performed based on the customer information. It is preferable that the customer account associated with the debit card is made in connection with a financial institution server opened and confirms whether the customer account is opened and normally operated.

Those skilled in the art to which the present invention pertains, in addition to the above-mentioned issuance target card will be familiar with the validation method corresponding to various issue target cards, detailed description thereof will be omitted for convenience.

If the validity to issue the issue target card to the customer is not authenticated through the card issuing application information (715), the server provides the card issuing error information to the customer through the card issuing interface (720). ), Issuing the issue card to the customer.

On the other hand, if the validity for issuing the issue target card to the customer is authenticated through the card issue application information (715), the server corresponds to the issue target card to be issued to the customer based on the card issue application information. ◎ 725), the card information includes a card number (e.g., a 16-digit card number), an expiration date information (some may be omitted), and card issuer information (e.g. Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

Preferably, the validity period information includes a period (or an expiration date and time) in which the issueable card can be used, and may be omitted when the validity period does not exist in the issuer card, thereby limiting the present invention. Not.

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the issue card to the customer.

Thereafter, the server generates predetermined card operation information including the customer information included in the card issuing application information and the generated card information (730), and the card operation information to the card information D / B (545) Store (735).

Here, the customer information included in the card operation information includes personal information of the card issuing customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer is the card. It is preferable to include at least one member information (for example, member ID information) subscribed to the issuing server 500.

The card information included in the card operation information may correspond to any one of credit card information, check card information, debit card information, cash card information, securities company card information, point card information and traffic card information.

Subsequently, the customer information and the card information are transmitted to the applet issuing server 505 through a predetermined communication means (740), and the terminal and the applet issuing server 505 link and connect a communication channel (745).

8 is a diagram illustrating a card issuing process for issuing a card applet to a multipurpose blank IC card according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates a non-face-to-face card issuing interface (eg, client terminal and network means including at least one wired terminal or wireless terminal) in a card applet issuing system shown in FIG. 5. When the card issuing server 500 is connected to input (or select) predetermined card issuing application information and transmitted, the card issuing server 500 generates predetermined card information based on the card issuing application information. As shown in the process of providing the applet issuing server 505, those of ordinary skill in the art to which the present invention belongs, to issue a card applet to the multi-purpose blank IC card by referring to or modifying the figure 8 Various implementations may be inferred, but the present invention encompasses all of the inferred implementations, as shown in FIG. It is not limited to the practiced method.

Hereinafter, in FIG. 8, the card issuing terminal 590 shown in FIG. 5 is called "terminal" for convenience, and the card issuing server 500 is called "server" for convenience.

Referring to FIG. 8, the customer connects to the server through a predetermined terminal, connects a communication channel for card issuance application, and issues the card applet to issue a card applet to the multipurpose blank IC card through the communication channel. The card issued (800), and in response, the server generates (or extracts) a user interface for issuing the card to be issued and provides it to the terminal through the communication channel (805).

Thereafter, the terminal receives (or selects) the card issuing application information through the user interface and transmits the input (or selection) of the card issuing application information to the server through the communication channel (810).

According to an embodiment of the present invention, the card issuing application information includes at least one or more card information of the card issuing customer and card attribute information on the card to be issued.

Here, the customer information is personal information of the card issuing customer (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the card issuing server 500. Preferably, at least one member information (eg, member ID information) is included.

The card attribute information to be issued preferably includes a card type that the customer requests to issue to the card company (or a financial company, a securities company, a card issuer, etc.), and various attribute information corresponding to the card. By doing so, the information generating unit 530 generates card information corresponding to any one of credit card information, check card information, debit card information, cash card information, securities company card information, point card information and traffic card information. do.

Thereafter, the server receives and reads the card issuance application information from the terminal through the network means, and issues a card for issuing the issue card to the customer based on the customer information included in the card issuance application information. Validation is checked (815).

According to the implementation method of the present invention, the validity confirmation for issuing the issue card to the customer, based on the customer name and resident registration number included in the customer information through a predetermined communication means predetermined real name verification server (shown And confirming the real name of the customer.

In addition, when the issuance target card includes a credit card, the validity check for issuing the issuance target card to the customer is linked with a predetermined credit rating server through a predetermined communication means based on the customer information. It is preferable to include a check to the credit information of the customer.

In addition, when the issuance target card comprises a check card / debit card, the validity check for issuing the issuance target card to the customer is performed based on the customer information. It is preferable that the customer account associated with the debit card is made in connection with a financial institution server opened and confirms whether the customer account is opened and normally operated.

Those skilled in the art to which the present invention pertains, in addition to the above-mentioned issuance target card will be familiar with the validation method corresponding to various issue target cards, detailed description thereof will be omitted for convenience.

If the validity for issuing the card to be issued to the customer is not authenticated through the card issuing application information (820), the server provides card issuing error information to the customer through the card issuing interface (825). ), Issuing the issue card to the customer.

On the other hand, if the validity for issuing the issue target card to the customer is authenticated through the card issuance application information (820), the server corresponds to the issue target card to be issued to the customer based on the card issue application information. Generates (or extracts) card information of the card ◎ 830, and the card information includes a card number (for example, a 16-digit card number), an expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

Preferably, the validity period information includes a period (or an expiration date and time) in which the issueable card can be used, and may be omitted when the validity period does not exist in the issuer card, thereby limiting the present invention. Not.

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the issue card to the customer.

Thereafter, the server generates predetermined card operation information including the customer information included in the card issuing application information and the generated card information (835), and the card operation information to the card information D / B (545) Save (840).

Here, the customer information included in the card operation information includes personal information of the card issuing customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer is the card. It is preferable to include at least one member information (for example, member ID information) subscribed to the issuing server 500.

The card information included in the card operation information may correspond to any one of credit card information, check card information, debit card information, cash card information, securities company card information, point card information and traffic card information.

Thereafter, the customer information and the card information are transmitted to the applet issuing server 505 through a predetermined communication means (845), and the terminal and the applet issuing server 505 link and connect a communication channel (850).

9 illustrates a process of issuing a card applet to a multi-purpose blank IC card according to an embodiment of the present invention.

In more detail, FIG. 9 generates predetermined customer information and target card information through a process shown in FIG. 7 or 8 in the card issuing server 500 of the card applet issuing system shown in FIG. When transmitting to the applet issuing server 505, the applet issuing server 505 generates a predetermined card applet corresponding to the card information and issues it to the multipurpose blank IC card, thereby transferring the multipurpose blank IC card to a multipurpose financial card. As a conversion process, one of ordinary skill in the art to which the present invention pertains may refer to various embodiments of the present invention to infer various methods of issuing a card applet to the multi-purpose blank IC card. The present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG. The.

Hereinafter, in FIG. 9, the card issuing terminal 590 shown in FIG. 5 is called "terminal" for convenience, and the applet issuing server 505 is called "server" for convenience.

Referring to FIG. 9, the card issuing server 500 on the card applet issuing system shown in FIG. 5 generates predetermined customer information and target card information through the process shown in FIG. 7 or 8. In step S, the server receives the card information corresponding to the customer information and the card to be issued from the card issuing server 500 (900) and the customer in connection with the blank IC card management D / B (585). The card applet issuance validity corresponding to the card information is confirmed through the information (905).

If the card applet issuance validity is not confirmed (910), the server generates predetermined card applet issuing error information and transmits the card applet issuing information to the card issuing server 500 (915).

On the other hand, if the validity of the card applet issuance is confirmed (910), the server checks whether the terminal and the communication channel for issuing the predetermined card applet is connected (920), if the communication channel for issuing the card applet is connected In operation 925, the server provides a predetermined applet issuing interface to the terminal through the communication channel.

According to an embodiment of the present invention, the applet issuing interface receives predetermined card applets and applet issuing authentication information from the server at the terminal, and uses the applet issuing authentication information through a predetermined IC card reader to use the card applet. And an interface for recording the card applet in the card applet storage area on the IC chip provided in the multipurpose blank IC card according to the authentication result after authenticating the recording to the multipurpose blank IC card.

According to another embodiment of the present invention, the terminal receives the predetermined card applet and applet issuing authentication information from the server, and uses the applet issuing authentication information through a predetermined IC card reader to the card applet the multipurpose blank. After authenticating the recording to the IC card, the card applet is recorded in the card applet storage area on the IC chip provided in the multipurpose blank IC card according to the authentication result. In this case, the provision of the applet issuing interface may be omitted, and the present invention is not limited thereto.

Thereafter, the server generates a predetermined card applet corresponding to the received issue card information (935).

According to the method of the present invention, the card applet preferably comprises at least one of a credit card applet, a check card applet, a debit card applet, a cash card applet, a brokerage card applet, a point card applet and a traffic card applet.

Then, the server checks the applet issuance authentication information associated with the customer information from the blank IC card management D / B (585) (940), the generated card applet and the confirmed applet issuance authentication information to the terminal 945.

Thereafter, the terminal receives the card applet and the applet issuing authentication information, and provides the applet issuing authentication information to the multipurpose blank IC card through a predetermined IC card reader using the applet issuing interface, thereby providing the multipurpose blank IC. The validity of recording the card applet on the IC chip provided in the card is checked (950).

If the applet record validity for the card applet is not verified (955), the terminal generates predetermined card applet issuance error information and transmits the card applet issuance information to the server (960), and the server sends the card applet issuance error information to the server. The card is issued to the server 500 (965).

On the other hand, if the applet recording validity for the card applet is confirmed (955), the terminal records the card applet on the IC chip provided in the multipurpose blank IC card through a predetermined IC card reader using the applet issuing interface. In operation 970, the applet issuing interface generates predetermined applet issuing information corresponding to the card applet recording and transmits the generated applet issuing information to the server (975). In response, the server associates the customer information with the applet issuing information. And store in the blank IC card management D / B 585 (980).

Here, the applet issuing information includes at least one card applet information that is added (or newly) issued to the multipurpose blank IC card, and card applet configuration information that the card applet is provided on the IC chip provided in the multipurpose blank IC card. It is preferable to comprise at least one or more.

According to the present invention, a credit card, a check card, a debit card, a cash card, a securities company card, a point card issued by a predetermined card company (or a financial company, a securities company, a card issuer, etc.) by a predetermined blank IC card issuer Issue a multi-purpose blank IC card that can be issued by a credit card applet, a check card applet, a debit card applet, a cash card applet, a securities company card applet, a point card applet, and a traffic card applet corresponding to at least one financial card among the transportation cards. The credit card applet, check card applet, debit card applet, cash card applet, securities company card applet, loyalty card applet and transportation on the multipurpose blank IC card in cooperation with a credit card company (or financial company, securities company or card issuer, etc.). By issuing a card applet that includes at least one card applet, There are advantages to implementing a multi-purpose financial IC card.

According to the present invention, a customer who receives the multipurpose blank IC card has an advantage of implementing the multipurpose financial IC card portfolio according to his will.
According to the present invention, if the IC card issuer that issued the IC card and the applet issuer that issues the applet to the IC card are different, the card applet of each applet issuer is issued on the IC chip when the IC card issuer issues the IC card. A storage medium for each applet issuer is provided, and the storage medium is previously linked with the customer information, the IC chip information, and the applet issuance authentication information for authenticating that the applet issuer adds (or newly) issues the card applet to the IC chip. After storing in the applet issuance information, by using the applet issuing authentication information to issue the applet card applet of each applet issuer in the storage area for each applet issuer on the IC chip without going through the approval of the applet issuance of the IC card issuer Saga allocates a storage area for each applet issuer to a memory provided in the IC card for convenient management. The advantage of recording and managing the card applet according to the intention of each applet issuer in the storage area for each applet issuer assigned to the IC card, and the inconvenience of assigning, controlling, and erasing the issue authority for issuing the card applet to the IC card. It has the advantage of solving the problem.

Claims (6)

delete delete IC chip including at least one card applet storage area by card company, card applet storage area by financial company, card applet storage area by securities company, and card applet storage area by point issuer in a predetermined blank IC card issuing means. IC card issuing step of issuing a blank IC card provided; A card issuing step of generating predetermined card information corresponding to the card issuance requested by the customer at a predetermined card issuing means when a predetermined customer requests an applet issuance through a terminal having a predetermined IC card reader; A card applet issuing step of generating a predetermined card applet including the card information in a predetermined card applet issuing means and providing the card applet to the terminal; And And a card applet recording step of recording, by the terminal, the card applet to a card applet storage area for each applet issuer on the IC chip provided in the blank IC card. The IC card issuing step, Issuing additional (or new) card applets to the IC chip by the blank IC card issuing means, the customer information for which the blank IC card is issued, the IC chip information included in the blank IC card, and each applet issuer. It is characterized in that it further comprises the step of storing in a predetermined storage medium in association with the applet issued authentication information to authenticate, The card applet issuing step, And issuing the card applet to the card applet storage area for each applet issuer on the IC chip by the card applet issuing means through the applet issuing authentication information. The card applet recording step, The card applet issuing means further comprises storing the applet issuing information for the card applet recorded on the IC chip provided in the blank IC card in association with the storage medium. Way. delete delete delete

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