KR100971121B1 - IC Card - Google Patents

Abstract

The present invention relates to an IC chip, comprising: an IC chip having an integrated management loyalty (or point or mileage) application (or storage area) and an individual management loyalty (or point or mileage) application (or storage area) separately, and a card terminal. And a processor for processing integrated management royalties (or points or miles) and individual management royalties (or points or miles) to be exchanged based on royalty exchange conditions.

Smart card, royalties, exchange

Description

IC Card

1 is a simplified block diagram of a royalty exchange system for exchanging royalty included in a smart card through royalty exchange terms.

2 is a simplified block diagram of a smart card and / or smart card platform equipped with royalty exchange conditions based on a typical open smart card platform.

3 is a simple block diagram of a smart card and a loyalty server providing a loyalty exchange service.

4 is a simple flowchart of a process of exchanging royalties accumulated in a smart card through a royalty exchange system.

<Description of main parts of drawing>

100: smart card 105: I / O interface

110: smart card terminal 115: network

120: Loyalty Management Server

The present invention relates to an IC chip, comprising: an IC chip having an integrated management loyalty (or point or mileage) application (or storage area) and an individual management loyalty (or point or mileage) application (or storage area) separately, and a card terminal. And a processor for processing integrated management royalties (or points or miles) and individual management royalties (or points or miles) to be exchanged based on royalty exchange conditions.

Loyalty services are a way to promote sales to attract loyal customers, and early loyalty services are designed to help loyal customers continue to purchase their products and services from certain off-line companies and to gain market share over competitors. It was provided in the form of a service program for promoting sales.

The offline royalty service as described above was provided through a purchase receipt, a sales slip, or a paper card on which the royalty information was printed, and the method of acquiring and using the royalties was not only simple, but also was restricted in many regions. Thus, loyalty services on-line have been provided centering on shops and stores with geographically limited markets rather than large promotions.

On the other hand, loyalty services that were provided via offline as MS (Magnetic Stripe) card and network infrastructure are provided, and in particular, credit payments using MS-type credit cards and financial computer networks such as Value Added Network (VAN) have become commonplace. Evolved into a network.

The loyalty service provided through the network as described above is an MS card performing a function of a customer authentication tool, an MS card terminal for generating royalty data through the MS card, and a network system connecting the MS card terminal and a server on the network. Through the network and servers on the network, and how and how to accumulate and use royalties, it is possible to manage royalties through servers on the network.

As mentioned above, royalties managed through MS Cards, MS Card terminals, networks, and servers include Integrated Management Loyalty and Individual Management Loyalty. Or a loyalty service provider, etc., to provide a loyalty service that is integrated and managed through the MS card, and the individual management loyalty is a separate loyalty by leasing the network infrastructure configured by each MS card affiliate and the card issuer and / or loyalty service provider, etc. To provide services.

However, due to the burden of network infrastructure leasing costs and network usage fees, the loyalty service using the MS card is mainly provided by the card issuing agency and / or the loyalty service provider rather than the individual management royalties through each merchant. Integrated management royalties were used primarily.

Since the existing royalty services are provided and managed through networks and servers, it is easy for card issuers and / or royalty service providers to provide royalty services through integrated management royalties, while each merchant is integrated. At the end of the management royalties were only to earn the royalties or use only the role of the terminal (Terminal) can be used. Of course, some merchants may lease the network infrastructure of the integrated loyalty service to provide independent managed royalties in an independent form, but since the network infrastructure is owned by the card issuer and / or loyalty service provider, it may also be expensive for simple loyalty services. I had to pay rent and network fees.

Recently, IC chip cards (hereinafter referred to as “smart cards”) equipped with integrated circuits having higher capacity storage space and arithmetic functions than conventional MS cards have emerged, and a royalty service provided and managed through a network has been introduced. Has been developed in the form of using a royalty application issued and / or post-issued in the storage space of the IC chip mounted on the smart card.

The smart card is a next-generation card equipped with an IC chip that can store and compute various digital information by embedding the central processing unit and various memory devices.The IC chip mounted on the smart card is a central processing unit, ROM (Read Only Memory). ), RAM (Random Access Memory), and EEPROM (Electrically Erasable and Programmable Read Only Memory), Flash Memory, etc., and are equipped with an IC chip satisfying the above conditions, Smart cards of all kinds of plastic cards such as contactless, hybrid, and combination cards, and IC chips that are detached to wireless terminals in dual slot, dual chip, and one-chip formats. Included in the category of smart cards.

Smart card features such as EEPROM or flash memory on the IC chip is issued and / or post-issued by a trusted royalty application managed by a high-level encryption device and security system, without using a network Can provide royalty services.

In particular, due to the characteristics of the loyalty service using the smart card as described above, the loyalty service using the smart card is integrated management royalties collectively provided by the card issuer and / or the loyalty service provider, rather than the loyalty service using the existing MS card. The service, as well as the individual managed loyalty service provided by each card merchant, can be easily implemented.

However, the loyalty service provided through the smart card provides the advantage that the individual managed loyalty service operated independently from each merchant's point of view can be easily implemented and provided, whereas from the customer's point of view, royalty In order to use the royalties, the royalty earning process is longer than the integrated management royalty, and even if the royalty is used, the merchants that can use the royalty are restricted to the merchants that provide the respective managed royalties. have.

Of course, a method of exchanging each royalty by some card issuing agencies and / or loyalty service providers has been proposed in order to overcome the limitations of the existing royalty services as described above. As provided by a server through a loyalty service provider's network infrastructure, each merchant has a problem of paying the network infrastructure rent and network fee of the card issuer and / or the loyalty service provider for the loyalty exchange. In addition, the existing royalty exchange system as described above is not designated by each royalty merchant, but by the card issuer and / or the royalty service provider that provides the network infrastructure. Esau has no choice but to accept the unfavorable exchange conditions, and the damage is repeated in a vicious cycle.

An object of the present invention to solve the above problems is an IC chip having a separate management loyalty (or point or mileage) application (or storage area) and a separate management loyalty (or point or mileage) application (or storage area) separately And an IC chip connected to the card terminal and having a processor for processing integrated management royalties (or points or miles) and individual management royalties (or points or miles) to be exchanged based on royalty exchange conditions.

The IC chip according to the present invention comprises an IC chip having a separate management loyalty (or point or mileage) application (or storage area) and an individual management loyalty (or point or mileage) application (or storage area), and a card terminal. In connection, a processor for processing integrated management royalties (or points or miles) and individual management royalties (or points or miles) to be exchanged based on royalty exchange conditions.

According to the present invention, the royalty exchange conditions are royalty exchange approval information for determining the mutual availability and negative of the integrated management royalties (or points or miles) and individual managed royalties (or points or miles). (Loyalty Exchange Authorization) and at least one royalty exchange rate information (Loyalty Exchange Rate) for exchanging the integrated management royalties (or points or miles) and individual management royalties (or points or miles) do.

In the present invention, the term "royalty" is used in the same sense as points or mileage, and specifies that the royalty may be expressed as points or mileage.

In addition, in the present invention, the royalty application serves as a kind of royalty storage area for storing and managing royalty data, and specifies that the royalty application may be designated as a royalty storage area.

In addition, in the present invention, the integrated management royalties are provided by a card issuing agency and / or a loyalty service provider and the like, and the individual management royalties are leased by a network infrastructure configured by each card merchant and the card issuing agency and / or loyalty service provider. Loyalty is an individual royalty.

Further, in the present invention, the post-issuance of the loyalty application to the smart card means additionally loading various types of loyalty applications desired by the user through the communication network to the already issued smart card.

In the present invention, the loyalty exchange condition is the basis on which the smart card terminal exchanges each loyalty data such as integrated management loyalty and / or individual management loyalty data included in the loyalty application issued and / or post-issued to each smart card. Information about the Loyalty Exchange Authorization (LEA) and the Loyalty Exchange Authorization (LEA), which determine the mutual and negative exchange of royalty data contained in each Loyalty Application. It consists of Loyalty Exchange Rate (LER) information for exchanging the royalty data contained therein.

According to the invention, according to the implementation method of the loyalty exchange system, the loyalty exchange conditions are mounted together with the corresponding loyalty data in each loyalty application issued and / or post-issued on the smart card, or on the smart card. Stored in a specific loyalty exchange condition storage area designated on the smart card platform, or mounted on a smart card terminal installed at each smart card merchant, or storing and managing royalty exchange information and / or royalty exchange results. What is mounted on a server on a wired / wireless communication network is characterized by being mounted.

1 is a simple block diagram of a royalty exchange system for exchanging royalties included in the smart card 100 through royalty exchange conditions.

In the present invention, the smart card 100 is a smart card in the form of a plastic card including a contact, contactless, hybrid, and combination cards in which an IC chip is mounted, and a dual card. And a wireless smart card including an IC chip (or IC card) mounted / removed in a wireless terminal in a slot method, a dual chip method, and a one chip method.

The smart card 100 includes the functions and roles of the existing smart card in which the loyalty application is issued and / or post-issued, and the integrated management loyalty application and individual management royalties issued and / or post-issued in the existing smart card. Loyalty application specific information that the smart card terminal 110 and / or loyalty server 120 can recognize each loyalty application is installed in an application or the like, and is issued to and / or issued to an existing smart card according to an embodiment of the present invention. It is characterized in that the loyalty exchange conditions consisting of royalty exchange approval information and royalty exchange rate information information are additionally installed in the issued integrated management loyalty application and individual management loyalty application and / or smart card platform.

In particular, the loyalty application specific information mounted in the loyalty application issued and / or post-issued on the smart card 100 may be each issued and / or post-issued by the respective integrated management loyalty application and the individual managed loyalty application. As the unique information previously assigned to the loyalty application by the card issuer and / or the loyalty service provider, the smart card terminal 110 providing the loyalty exchange service according to the method proposed by the present invention, and the royalty exchanged as described above Smart card terminal 110 and / or loyalty server 120, etc. to manage the unique royalty application information having a non-overlapping feature used to distinguish the royalty data included in each loyalty application.

In addition, the royalty exchange conditions mounted in the royalty application issued and / or post-issued in the smart card 100 according to the embodiment of the present invention consists of royalty exchange approval information (LEA) and royalty exchange rate information (LER) The royalty exchange approval information includes a royalty exchange approval number and a royalty exchange approval code.

The royalty exchange approval information may be exchanged by the smart card terminal 110 for exchanging each royalty data included in the royalty application issued and / or post-issued to the smart card 100. Information that confirms and approves whether this offers an exchange, including royalty exchange approval information to approve an exchange request from another royalty and / or royalty application, and royalty to approve the exchange with another royalty and / or royalty application. It consists of an exchange approval code.

In other words, the royalty exchange approval information of the royalty exchange approval information is information for approving the exchange of royalty data with the exchange target royalty and / or royalty application through a royalty exchange approval code included in the exchange target royalty and / or royalty application. The Loyalty Exchange Authorization Code is information that confirms that the Loyalty Exchange Authorization Number included in the Loyalty Application and / or Loyalty Application can be exchanged for Loyalty Data and Loyalty Data included in the Loyalty Application.

The royalty exchange rate information is rate information for exchanging royalty data included in each royalty and / or royalty application for which royalty exchange has been approved through the royalty exchange approval information, and is comprised of a relative rate with respect to a reference royalty. The base royalty is royalty included in a royalty and / or royalty application in which the royalty exchange rate information is designated one-to-one, that is 100%, and the royalty exchange rate information includes at least one reference royalty.

The I / O interface 105 extracts the royalty application information and / or royalty data from each royalty application issued and / or post-issued on the smart card 100 and delivers the royalty application information and / or royalty data to the smart card terminal 110 or selects a selected exchange. The royalty exchange terms that are deducted and / or accumulated in the loyalty data of the target loyalty application, or in each loyalty application and / or the smart card platform according to the method of the present invention, are assigned to the smart card through the I / O interface 105. It is delivered to the terminal 110.

In particular, when the smart card 100 is a contact / contactless / hybrid / combo type IC chip card, the I / O interface 105 read / writes the contact and / or contactless smart card 100 (Read / Write). If the smart card 100 is a dual slot / dual chip / one-chip wireless smart card, the I / O interface 105 is an infrared ray communication, It includes all kinds of near field communication such as RF (Radio Frequency) communication, Bluetooth (Blue Tooth), Wireless LAN, Wi-Fi.

The smart card terminal 110 includes the functions and roles of the existing smart card terminal 110 that can provide royalty services through the smart card 100, and additionally issued and / or post-issued to the smart card 100 Loyalty data included in the integrated management loyalty application and / or the individual management loyalty application, and the like, are used for the loyalty exchange conditions mounted on the smart card 100, the smart card terminal 110, and / or the loyalty server 120. It is characterized by the addition of an interchange function on a ground.

The loyalty exchange server is a server connected to the smart card terminal 110 through a network, and the integrated management loyalty application and / or individual to which the smart card terminal 110 is issued and / or post-issued to the smart card 100. After exchanging royalty data included in a management royalty application or the like, and providing and managing and preserving royalty exchange information and / or royalty exchange results transmitted from the smart card terminal 110 at a fixed and / or fixed period. It features.

In addition, according to the present invention, the smart card terminal 110 by referring to the royalty exchange conditions stored in the royalty exchange server that is connected to the smart card terminal 110 and the wired / wireless communication network, the corresponding smart card (100) Exchange the integrated management loyalty data and / or individual management loyalty data issued and / or post-issuance, and the loyalty exchange result is connected to the smart card terminal 110 through a wired / wireless communication network. It is also specified that it is provided in real time as a royalty exchange server.

That is, while the existing loyalty server 120 providing a loyalty service manages the steps of earning and using royalties, the loyalty exchange server of the present invention provides the loyalty earning and use provided by the smart card terminal 110 and the present invention. Manage and preserve the royalty exchange information and / or royalty exchange results presented by the network on the network.

Networks are all kinds of communication channels connecting the smart card terminal 110 and the loyalty server 120,

-Using a public network such as wired or wireless Internet or public switched telephone network (PSTN);

-In case of using private network such as value added network (VAN) or financial network, etc.

When connecting a network card terminal and a network card server through a public network, the network card terminal and the network card server interwork with each other through an IPv4 and / or IPv6-based protocol, and use a public key infrastructure (PKI) or a WPKI. Security systems such as Wireless PKI to ensure the confidentiality, authentication, integrity, and nonrepudiation that smart card services must provide.

When the network card terminal and the network card server are connected through a private network, the network card terminal and the network card server interoperate with each other so as to make compatible the characteristics of the network provided by the corresponding private network with those of the MS-based network card system of the present invention. The gateway is mounted on the network and interlocked, and the confidentiality, authentication, integrity, and nonrepudiation that the smart card service must provide are guaranteed by a security system such as EMV.

According to the present invention, the smart card terminal 110 exchanges royalty data included in each royalty application issued and / or post-issued to the smart card 100 as follows.

When the smart card 100, which is issued and / or post-issued, is linked with the smart card terminal 110, the smart card terminal 110 is provided with a royalty and / or loyalty application mounted on the smart card 100. In order to output the information of the loyalty data and the list of loyalty data accumulated in the loyalty application, the smart card 100 instructs to extract the loyalty information.

Royalty information instructing the smart card terminal 110 to extract in the above step may be variously applied according to the method of the present invention. That is, the loyalty information includes personal information of a smart card user, each loyalty application specific information for recognizing royalty and / or loyalty applications on which the smart card terminal 110 is mounted on the smart card 100, and respectively. Loyalty data, etc. are accumulated in the loyalty application of the, and may be additionally included in the loyalty exchange conditions that are distributed and / or collectively mounted in the smart card 100 according to the embodiment of the present invention.

When the extraction of the royalty information is ordered from the smart card terminal 110 to the smart card 100 through the I / O interface 105, the COS and / or the card mounted on the smart card 100 and / or the smart card platform The management program extracts royalty information according to an embodiment of the present invention and responds to the smart card terminal 110 via the I / O interface 105.

When royalty information is extracted from the smart card 100, the smart card terminal 110 processes the corresponding royalty information into a list and outputs the list on the screen of the smart card terminal 110, and selects a royalty and / or royalty application to be exchanged. do. According to the present invention, a method for outputting a royalty list and a method for selecting an exchange target royalty and / or royalty application may be provided in various implementation methods according to an automation function and a user interface of a terminal application mounted on the smart card terminal 110. Can be.

When the exchange target royalty and / or the exchange target royalty application is selected by the smart card terminal 110 as described above, the terminal application mounted on the smart card terminal 110 and / or the smart card terminal 110 is selected as described above. Extract the loyalty exchange conditions of each exchanged loyalty and / or exchanged loyalty application.

According to the present invention, the smart card terminal 110 extracts the royalty exchange conditions of the exchange target royalty and / or the exchange target royalty application may be provided with various implementation methods depending on the location where the royalty exchange conditions are mounted.

That is, when the royalty exchange conditions are mounted in the smart card 100, the royalty exchange conditions extracted by being included in the transaction for extracting royalty information from the smart card 100 or extracted through an independent royalty exchange condition extraction transaction Extract royalty exchange conditions of the exchange target royalty and / or the exchange target royalty application from the royalty exchange conditions.

In addition, when the royalty exchange conditions are mounted in the royalty exchange conditions D / B of the smart card terminal 110, the royalty application specific information included in the royalty information extracted from the smart card 100 by the smart card terminal 110. Based on the above, the royalty exchange conditions of the exchange target royalty and / or the exchange target royalty application are extracted from the royalty exchange conditions D / B.

In addition, when the royalty exchange conditions are mounted on the royalty exchange conditions D / B of the royalty server 120, the smart card terminal 110 approaches the royalty exchange conditions D / B of the royalty server 120 through a network. Based on the royalty application specific information included in the royalty information extracted from the smart card 100, the royalty exchange conditions and / or royalty exchange conditions of the exchange target royalty application are extracted from the royalty exchange conditions D / B.

When the royalty exchange conditions for the exchange target royalty and / or the royalty target exchange application are extracted through the above process, the terminal application mounted on the smart card terminal 110 and / or the smart card terminal 110 may change the royalty exchange conditions. On the basis of this, the possibility of exchange of royalty data included in the royalty application and the rate of royalty data exchange are checked.

If each of the exchange target royalty and / or the target royalty application is exchanged for royalty exchange terms, the terminal application mounted on the smart card terminal 110 and / or the smart card terminal 110 may be used for each exchange target. Obtain royalty data exchange rights for royalty and / or loyalty loyalty applications. In general, the process is a process of inputting each access right password or access right code for each royalty application, but can be processed in a batch through a process of simply entering a PIN (Personal Identification Number) or a public certificate.

When the exchange right and / or the exchange authority for the exchange target royalty application is acquired as described above, the terminal application mounted on the smart card terminal 110 and / or the smart card terminal 110 is inside the smart card terminal 110. Exchanges royalty data on the basis of royalty exchange rates. That is, after deducting royalty data from the deduction exchange target royalty and / or royalty application, calculating the deducted royalty data according to the royalty exchange rate, and accumulating the calculated royalty data to the earned exchange royalty and / or royalty application do.

When the royalty data exchange for the exchange target royalty and / or royalty application is performed through the smart card terminal 110, the terminal application mounted on the smart card terminal 110 and / or the smart card terminal 110 is as described above. The exchanged royalty data is instructed to update, that is, exchange each loyalty application issued and / or post-issued to the smart card 100.

According to the invention, the update of the royalty data, ie the royalty data exchange command, is made through at least one transaction. That is, the smart card terminal 110 and / or the terminal application mounted on the smart card terminal 110 and the like are deducted from the smart card 100 through the I / O interface 105, and the loyalty data to be exchanged. May be instructed to be exchanged at one time, or may be deducted first from the deduction of loyalty data subject to redemption, and may be exchanged in two portions so as to accumulate the loyalty data to be credited later.

When the royalty data included in each exchange target royalty and / or royalty application that is issued and / or post-issued to the smart card 100 is normally exchanged through the above process, the smart card 100 is connected to the I / O interface 105. Responds to the royalty exchange result and ends the royalty exchange service proposed by the present invention.

2 is a simple block diagram of a smart card 100 and / or a smart card platform equipped with royalty exchange conditions based on a general open smart card platform.

The open smart card platform is structured differently depending on the features of the language supported by the platform and the COS that is mounted on all kinds of open smart cards including Java Card, MULTOS, or SCFW. Figure 2 is a generalized structure of each of the different open smart card platform as described above, each open smart card platform may vary slightly from FIG.

In general, an open smart card platform includes a smart card (100) operating system COS is mounted on a hardware consisting of a silicon chip, a virtual machine and a card manager (Card Manager) on top of it, and a virtual The smart card application (Smart Card Application) is mounted in the smart card application area of the upper machine.

The hardware of the smart card platform includes the central processing unit, read only memory (ROM), random access memory (RAM), and electrically erasable and programmable read only memory (EEPROM) or flash memory (EEPROM) mounted on the IC chip. In some cases, it is equipped with an Elliptic Curve Crypto system (ECC) and / or a coprocessor for Rivest-Shamir-Adleman (RSA) encryption operation, and provides a communication connection with a smart terminal through CAD. COB (Chip On Board) and / or RF (Radio Frequency) antenna is mounted.

The operating system (COS) of the smart card platform is a system program mounted in the ROM of the IC chip to drive the smart card 100. The different COS is developed and used by each smart card manufacturer and smart card issuer. Even in the smart card platform, the COS mounted on the smart card 100 may be different.

The virtual machine (VM) of the smart card platform is a program that interfaces with the central processing unit through the process of requesting service from the COS by interpreting the code of the smart card application. Each smart card platform uses a different virtual machine. For example, Java cards use the Java Virtual Machine (JVM) designed for Java, MULTOS uses the MEL Virtual Machine (MVM) designed for MEL, and SCFW for Visual Basic. Use the designed Visual Basic Virtual Machine (VBVM).

The card manager of the smart card platform works with the COS and / or is included in the COS to control and manage the files stored in the smart card 100, execute the smart card application, and execute the executed smart card application. Load it into RAM and let the central processing unit perform its given tasks through virtual machines and COS.

The smart card application area of the smart card platform is a storage area on the IC chip where the integrated management loyalty application and / or the individual management loyalty application is issued and / or post-issued, and the access control and management of the smart card application area and the smart card The execution and running of the smart card application stored in the application area is controlled by the card management program.

In the present invention, the smart card platform mounted on the smart card 100 is a conventional closed smart card platform providing only issuance of smart card applications, as well as the smart card terminal 110 according to the embodiment of the present invention. It is additionally equipped with a royalty exchange condition which is the basis for exchanging each royalty data included in the application.

In addition, the loyalty application issued and / or post-issuance to the smart card 100 includes the function of the existing loyalty application to accumulate and deduct the corresponding royalty data through the smart card terminal 110, the smart Loyalty application specific information to each loyalty application issued and / or post-issued in the card application area, and the smart card terminal 110 applies the loyalty data accumulation and / or deduction function of the loyalty application according to an embodiment of the present invention. And an additional royalty exchange condition for exchanging royalty data.

According to the present invention, a method of implementing a royalty exchange system provided through the smart card terminal 110 may be variously applied according to the location of the royalty exchange conditions and the characteristics of each royalty application including royalty data. However, in the smart card 100 in which the royalty exchange conditions are distributed in the royalty application and / or the smart card platform, the above-described royalty exchange method may be further subdivided.

In accordance with an embodiment of the present invention, the location of the loyalty exchange condition mounted on the smart card 100 is mounted inside the loyalty application issued and / or post-issued to the smart card 100 as shown in FIG. The royalty exchange conditions are stored on the smart card platform mounted on the smart card 100 or distributed on the loyalty application and the smart card platform as shown in (b) of FIG. It can be mounted in a specific storage area specified.

When royalty exchange conditions are loaded into each royalty application issued and / or post-issued on the smart card 100 as shown in FIG. 2A, royalty exchange approval information and royalty exchange rate information are paired and distributed According to an embodiment of the present invention, royalty exchange conditions mounted in each loyalty application in the step of providing a royalty exchange service by the smart card terminal 110 are collectively determined by the smart card's COS and / or card management program. Or selectively extracted and transferred to the smart card terminal 110 through the I / O interface 105.

As shown in (b) of FIG. 2, when the royalty exchange conditions are distributed to each of the loyalty applications and the smart card platform, the royalty exchange approval information is distributed to each of the loyalty applications and the royalty exchange rate information is loaded into the smart card platform. The royalty exchange rate information may be distributed in each loyalty application, or the royalty approval information may be collectively loaded in the smart card platform. Of course, in the step of providing a royalty exchange service by the smart card terminal 110 according to the embodiment of the present invention, royalty exchange conditions are distributed on each loyalty application and / or smart card platform as shown in FIG. Are collectively or selectively extracted by the COS and / or card management program of the smart card 100 and transferred to the smart card terminal 110 through the I / O interface 105.

When the royalty exchange conditions are mounted in a specific storage area on the smart card platform mounted on the smart card 100 as shown in (c) of FIG. 2, the royalty exchange approval information and the royalty exchange rate information are paired and collectively loaded. According to the embodiment of the present invention, the royalty exchange conditions mounted on the smart card platform in the step of providing the royalty exchange service by the smart card terminal 110 are collectively or by the COS and / or the card management program of the smart card 100. It is selectively extracted and transferred to the smart card terminal 110 through the I / O interface 105.

According to the present invention, each loyalty application issued and / or post-issued to the smart card 100 may include an integrated management loyalty application including integrated management loyalty data provided by the card issuing agency and / or the loyalty service provider, respectively. There are individual management loyalty applications including individual management loyalty data provided by smart card merchants, and the loyalty data interchanged in the present invention includes all kinds of loyalty data including integrated management loyalty data and individual management loyalty data. It is characterized by being provided.

That is, the loyalty exchange system proposed by the present invention can provide both integrated management royalties and integrated management royalties, integrated management royalties and individual managed royalties, and / or interchanges between individual managed royalties and individual managed royalties.

For example, the integrated management loyalty application is an integrated loyalty service that can be used safely and securely in common among a large number of unspecified smart card merchants.In order to earn or deduct loyalty, the loyalty right password and the debit right password are operated independently within the loyalty application. It is desirable to include a function that provides secure publicity through a query right password, and a previous transaction cancellation password.

The individual managed loyalty application is an independent loyalty service service that can be used independently by a smart card merchant selected by a smart card user or a plurality of affiliates affiliated with the affiliate. It is desirable to have a plurality of individual managed loyalty applications that satisfy the same access conditions through the loyalty application dedicated data area.

Therefore, in the process of exchanging royalty data through a preferred type of royalty application as in the above example,

-In order to exchange the integrated management loyalty data into the integrated management loyalty data, a process of subtracting the deductible royalty data and inputting the respective approval passwords at the stage of acquiring the eligible loyalty data is required.

-In order to exchange the integrated management royalty data into individual management royalty data, the process of entering the approval password during the subtraction of the deductible royalty data and granting access to the corresponding data area in the step of acquiring the eligible royalty data Process, etc.

-In order to exchange individual managed loyalty data with integrated management loyalty data, the process of granting access to the corresponding dedicated data area in the process of subtracting the deductible royalty data and entering the approval password in the process of acquiring the eligible loyalty data Process, etc.

-In order to exchange individual managed royalty data with individual managed royalty data, the process of granting access to the corresponding dedicated data area in the step of subtracting the deductible royalty data, and in the step of acquiring the eligible royalty data, the corresponding data area The process of granting access to the system is required.

Of course, in the process of exchanging royalty data as described above, the process of subtracting the integrated management royalty data and inputting a credit for approval and / or granting access to the individual managed royalty data is the efficiency of the royalty exchange service. In some cases, it may be omitted.

3 is a simplified block diagram of a smart card 100 and a loyalty server 120 that provide a loyalty exchange service.

The smart card terminal 110 uses the loyalty data included in the integrated management loyalty application and / or the individual management loyalty application issued and / or post-issued in the smart card 100 according to the method of the present invention. ), A smart card terminal 110, and / or a terminal system that provides a role of mutual exchange based on the royalty exchange conditions mounted on the royalty server 120 or the like.

In order to satisfy the characteristics of the smart card terminal 110 as described above, the terminal application 300 mounted on the smart card terminal 110 includes the functions of the existing smart card terminal 110 application, and additionally the smart card terminal A function of extracting and managing the integrated management loyalty application and / or the individual management loyalty application information issued and / or post-issued to the screen and outputting it to the screen; Function to select a license, and the target loyalty and / or loyalty application from the smart card 100, the smart card terminal 110, and / or the loyalty server 120, etc., on which loyalty exchange conditions are loaded, with reference to the loyalty application information. The ability to extract the terms of royalty exchange of the above It is characterized in that it is equipped with a function for exchanging each exchange target royalty and / or royalty application based on the published royalty exchange conditions, and managing for a certain period of time.

Royalty D / B 305 of the smart card terminal 110 is a smart card terminal 110 and / or a terminal application mounted on the smart card terminal 110 is issued and / or post-issuance to the smart card 100 A D / B that stores the royalty exchange information and / or the exchange result for a period of time after mutually exchanging royalty data included in an integrated management royalty application and / or an individual management royalty application, wherein the royalty D / B ( 305) insufficient capacity, or transmits royalty-free exchange information and / or royalty-exchange results, etc., temporarily stored in the royalty-D / B 305 every time, to the royalty-management D / B 315 of the royalty-server 120. It is characterized by.

The royalty exchange condition D / B 310 of the smart card terminal 110 consists of royalty exchange approval information (LEA) and royalty exchange ratio information (LER) on the smart card terminal 110 according to the embodiment of the present invention. D / B on which a royalty exchange condition is mounted, wherein the royalty exchange conditions that are mounted on the smart card 100 according to the method of the present invention are issued and / or post-issued to the smart card 100. While stored and / or integratedly stored in applications and smart card platforms, etc., royalty exchange conditions mounted in the smart card terminal 110 are integratedly stored on the D / B. In addition, according to the embodiment of the present invention, the loyalty exchange conditions mounted on the smart card 100 are only loaded with the exchange conditions directly related to each loyalty application issued and / or post-issued on the smart card 100. On the other hand, royalty exchange conditions that are mounted on the smart card terminal 110 is equipped with all kinds of royalty exchange conditions that the smart card terminal 110 can provide a royalty exchange service.

In particular, when the royalty exchange conditions are mounted in the smart card terminal 110 as described above, the royalty exchange conditions consisting of royalty exchange approval information and royalty exchange rate information information may be stored in the smart card terminal 110 internal storage space and / or the smart. It may be mounted on an external storage space interlocked with the card terminal 110, or the royalty exchange approval information and royalty exchange rate information may be distributed and mounted on each of the smart card terminal 110 and the external storage space. [When royalty exchange conditions are mounted on the smart card terminal 110]

In addition, the royalty exchange conditions are partly stored in the loyalty application and / or smart card platform of the smart card 100 according to the implementation method extended from the present invention, and the remaining part of the smart card terminal 110 and / or outside It also provides the possibility of being distributed and mounted in a storage space of the same. For example, the royalty exchange approval information may be mounted on a royalty application and / or a smart card platform of the smart card 100, and the royalty exchange rate information may be mounted on a storage space inside and / or outside the smart card terminal 110. [When royalty exchange conditions are mounted on the smart card 100 and the smart card terminal 110]

The loyalty exchange server is a server connected to the smart card terminal 110 through a network, and the integrated management loyalty application and / or individual to which the smart card terminal 110 is issued and / or post-issued to the smart card 100. In the step of exchanging royalty data included in the management loyalty application or the like, except in the case where the royalty exchange conditions are provided to the smart card terminal 110 according to the embodiment of the present invention, the user does not directly participate in the royalty exchange service. .

That is, while the existing loyalty server 120 manages the steps of earning and using royalties to provide a royalty service, the loyalty exchange server of the present invention provides the loyalty earning and use provided by the smart card terminal 110 and the present invention. It manages and preserves on the network the royalty exchange information and / or royalty exchange results presented by the invention.

In order to satisfy the characteristics of the royalty server 120 as described above, the royalty server 120 includes a royalty management D / B 320 for managing and preserving the exchanged royalty, and at the royalty exchange step according to the method of the present invention. A royalty exchange condition D / B 325 is provided that provides royalty exchange conditions to the smart card terminal 110.

The loyalty management D / B 315 is a D / B that stores, manages, and preserves loyalty exchange information and / or royalty exchange results transmitted from the smart card terminal 110 through a network at a forced and / or fixed period. It provides a backup function of the royalty D / B (305) mounted on each smart card terminal (110).

Royalty exchange conditions D / B (320) is a D / B that is equipped with royalty exchange conditions consisting of royalty exchange approval information (LEA) and royalty exchange rate information (LER) on the royalty server 120 in accordance with an embodiment of the present invention As B, royalty exchange conditions mounted on the smart card 100 according to the method of the present invention are distributed and / or distributed to each loyalty application and smart card platform issued and / or post-issued to the smart card 100 and the like. On the other hand, the loyalty exchange condition mounted on the loyalty server 120 according to the embodiment of the present invention is integratedly stored on the D / B like the smart card terminal 110. In addition, the loyalty exchange condition mounted on the smart card 100 according to the embodiment of the present invention includes only the exchange conditions directly related to each loyalty application issued and / or post-issued on the smart card 100. The royalty exchange conditions mounted on the smart card terminal 110 include only the royalty exchange conditions on which the smart card terminal 110 can provide a royalty exchange service, whereas the royalty exchange conditions mounted on the royalty server 120 are provided. The terms are equipped with royalty exchange terms for all types of royalty and / or royalty applications provided by the card issuer and / or royalty service provider.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the following drawings and descriptions are for the most preferred method among various embodiments for properly describing the present invention, and the features and scope of the present invention are not limited only to the following drawings and descriptions.

The following embodiments are for the case where the royalty exchange conditions among the various implementation methods mentioned above are mounted on the loyalty application issued or / or post-issued to the smart card 100 or the corresponding smart card platform as shown in FIG. 2.

Table 1 shows two integrated management loyalty applications and 30 individual management loyalties that are mounted in the dedicated management loyalty application dedicated areas issued and / or post-issued in the smart card application area of the smart card 100 as shown in FIG. Loyalty application specific information and royalty exchange terms for the application are examples.

Table 1

Loyalty application specific information is stored in the integrated management loyalty application and the individual management loyalty application dedicated data area where the smart card terminal 110 and / or loyalty server 120 is issued and / or post-issued to the smart card 100. The unique information that distinguishes each individual managed loyalty application, the format and type of loyalty application specific information may be determined by the policies and policies of the card issuer and loyalty service provider that provide Various proposals may be made depending on the features of the smart card terminal 110 and / or the loyalty server 120.

According to Table 1, Loyalty Application-specific information consists of eight letters and numbers, the Integrated Management Loyalty Application consists of seven unique numbers beginning with 'A', and the Individually Managed Loyalty Application starts with 'B'. Consists of 7 unique numbers.

The Loyalty Exchange Terms are composed of Loyalty Exchange Authorization Information (LEA) and Loyalty Exchange Rate Information (LER) .The Loyalty Exchange Approval Information is composed of Loyalty Exchange Authorization Number and Loyalty Exchange Authorization Code. May be variously proposed to the card issuer and the loyalty service provider according to the policy and the characteristics of the smart card terminal 110 and / or the loyalty server 120.

According to Table 1, the royalty exchange approval information of the royalty exchange conditions is composed of 32-bit variables, and is to check whether the royalty exchange approval for 32 royalty applications.

The royalty exchange acknowledgment number of the royalty exchange acknowledgment information is an acknowledgment number for distinguishing a royalty application mounted on the smart card 100 through binary (0/1) of each binary data constituting a 32-bit variable.

For example, the royalty exchange approval number for Loyalty Application 1 is the hexadecimal '0X00000001', which is equivalent to the binary '00000000 00000000 00000000 00000001', and the first digit (2 ^ 0) binary is set to 1 so that the Loyalty Exchange of the Loyalty Application 1 You can confirm that it is an authorization number. In addition, the royalty exchange approval number of Loyalty Application No. 2 is the hexadecimal '0X00000002', which is the same as the binary '00000000 00000000 00000000 00000010', and the first digit (2 ^ 1) binary is set to 1 so that the Loyalty Exchange Approval Number of the Loyalty Application 2 is The royalty exchange approval number of Loyalty Application 32 is hexadecimal '0X80000000', which is the same as binary '10000000 00000000 00000000 00000000', and the first digit (2 ^ 31) binary is set to 1 You can confirm that it is an exchange approval number.

The royalty exchange approval code of the royalty exchange approval information is an approval code that identifies a royalty application that can be exchanged through binary (0/1) of each binary data constituting a 32-bit variable.

For example, a royalty exchange authorization code of hexadecimal '0XFFFFFFFF' is the same as binary '11111111 11111111 11111111 11111111' as shown in Table 1 royalty application, which is all types of loyalty applications installed on the smart card 100. It can be exchanged with. Also, '0XFF4EAD23', which is the royalty exchange approval code of Loyalty Application No. 3 in Table 1, is the same as binary '11111111 01001110 10101101 00100011', which is 1, 2, 6, 9, 11, 12, 14, 16, 18, 19 This means you can trade with loyalty applications 20, 23, 25, 26, 27, 28, 29, 30, 31, and 32.

The conditional expression for confirming whether a royalty is exchanged through the royalty exchange approval number and royalty approval code of the royalty exchange approval information as described above is the result of the AND bit operation of the deductible royalty exchange approval code and the earned exchange target royalty approval number. If it is the same as the royalty approval number, the royalty data of the deduction exchange target loyalty application may be exchanged with the royalty data of the loyalty exchange target loyalty application. Of course, if the result of the AND bit operation of the reward exchange target loyalty exchange authorization code and the deduction exchange target royalty approval number is the same as the deduction exchange target royalty approval number, the royalty data of the deductible exchange target loyalty application is the loyalty exchange target loyalty application. Can be exchanged for royalty data. The conditional expression is expressed as program code as follows.

If ((<royalty exchange authorization code> & <royalty exchange authorization number>) == <royalty exchange authorization number>)

// approve loyalty data exchange

else

// cannot exchange royalty data

The royalty exchange rate information is a rate for exchanging royalty data included in each royalty application, and is information for converting royalty data of a deduction exchange target royalty application into royalty data of a earned exchange target royalty application.

According to Table 1, the royalty exchange rate information is expressed as a percentage, and converts royalty data of the deductible exchange target royalty application to royalty data of the earned exchange target royalty application using the first royalty application as a reference ratio.

For example, when the royalty data of the seventh loyalty application is exchanged with the royalty data of the tenth loyalty application, the process of calculating the conversion rate using the royalty exchange rate information is as follows. First, the royalty exchange rate of the seventh loyalty application is converted to the royalty exchange rate of the first loyalty application, which is the reference royalty exchange rate. The conversion rate calculated first as described above is secondly converted into a royalty exchange rate of the first royalty application, which is the reference royalty exchange rate, and a royalty exchange rate of the tenth royalty application. That is, if the royalty exchange rate of the seventh loyalty application is converted into the royalty exchange rate of the tenth loyalty application through the royalty exchange rate (= 1 royalty exchange rate), the royalty data of the seventh loyalty application and the tenth loyalty application Loyalty data can be confirmed to be exchanged in a one-to-one correspondence.

4 is a simple flowchart of a process of exchanging royalty accumulated in the smart card 100 through the royalty exchange system.

When the smart card 100 to which the loyalty application is issued and / or post-issued is linked with the smart card terminal 110 through the I / O interface 105 (400), the terminal application of the smart card terminal 110 is a PIN The smart card 100 validation is performed to verify confidentiality, authentication, integrity, and nonrepudiation of the smart card 100 through a series of processes such as a (Personal Identification Number) input.

If the validation of the smart card 100 fails in the process (405), the smart card terminal 110 outputs an error message and terminates the royalty exchange service.

On the other hand, if the validity authentication for the smart card 100 succeeds in the process (410), the smart card terminal 110 is the information of the royalty and / or loyalty application mounted on the smart card 100, and the royalty application In order to output the list of the loyalty data accumulated in the smart card 100, the command to extract the loyalty information (415).

According to an embodiment of the present invention, royalty exchange conditions are mounted on the smart card 100. Accordingly, the COS and / or card management program mounted on the smart card 100 and / or the smart card platform may include royalty information for each loyalty application mounted on the smart card 100 according to an embodiment of the present invention. The royalty exchange condition is extracted and responded to the smart card terminal 110 through the I / O interface 105 (420).

When the royalty information and / or royalty exchange conditions are extracted from the smart card 100 as described above, the smart card terminal 110 processes the corresponding royalty information into a list and outputs it to the screen of the smart card terminal 110 (425). The royalty and / or royalty application to be exchanged is selected through the smart card user and / or the smart card terminal 110 operator (430).

When the exchange target royalty and / or the exchange target royalty application is selected by the smart card terminal 110 as described above, the terminal application mounted on the smart card terminal 110 and / or the smart card terminal 110 may be the smart card 100. Extracts the selected royalty exchange conditions with the royalty to be exchanged and / or the royalty application from the royalty exchange conditions obtained from (435).

When the royalty exchange conditions for the exchange target royalty and / or the royalty target exchange application are extracted through the above process, the terminal applications mounted on the smart card terminal 110 and / or the smart card terminal 110 are described in Table 1. As described above, the exchange possibility of the exchange target royalty data is checked based on the royalty exchange approval information included in the royalty exchange conditions of the exchange target royalty application (440).

If the possibility of exchanging the exchange target royalty data is not confirmed (445), the terminal application mounted on the smart card terminal 110 and / or the smart card terminal 110 outputs an error message, and the royalty exchange service. To exit.

On the other hand, if each exchange target royalty and / or the target royalty application is exchanged through a royalty exchange condition (450), the terminal application mounted on the smart card terminal 110 and / or smart card terminal 110, etc. As described in FIG. 1, the actual exchange rate between the deduction exchange target royalty data and the accumulated exchange target royalty data is converted based on the royalty exchange rate included in the royalty exchange conditions of the exchange target royalty application (455).

As described above, when the exchange possibility and the exchange rate for the exchange target loyalty application are converted, the terminal application mounted on the smart card terminal 110 and / or the smart card terminal 110 is deducted. And / or subtract royalty data from the loyalty application, calculate the deducted royalty data according to a royalty exchange rate, and then accumulate the calculated royalty data to the earned loyalty and / or loyalty application (460).

When the royalty data exchange for the exchange target royalty and / or royalty application is performed through the smart card terminal 110, the terminal application mounted on the smart card terminal 110 and / or the smart card terminal 110 is as described above. The exchanged royalty data is instructed to exchange royalty data of each royalty application issued and / or post-issued to the smart card 100 (465).

When the royalty data included in each exchange target royalty and / or royalty application that is issued and / or post-issued to the smart card 100 is normally exchanged through the above process, the smart card 100 is connected to the I / O interface 105. Responds to the royalty exchange result (at 470), and terminates the royalty exchange service proposed by the present invention.

According to the present invention, the smart card terminal installed in each loyalty merchant is the royalty of each smart card for the smart card that is issued and / or post-issued the loyalty application including the loyalty data for the loyalty (or point or mileage) service. Mutually share the royalty data contained in each loyalty application issued and / or issuing to the smart card, on the basis of the royalty exchange terms contained in the application and / or the smart card platform or contained within the smart card terminal; In the process of connecting the loyalty exchange system for exchange and the smart card with each integrated management loyalty and individual management loyalty to the smart card terminal, the smart card terminal outputs a list of loyalties, selects the loyalty to be exchanged, and then the smart card, Smart card By providing a royalty exchange method for extracting royalty exchange conditions mounted at the end or the royalty server 120 and exchanging royalty data of each exchange target royalty application based on the extracted royalty exchange conditions. As a management loyalty agency, firstly, it is possible to minimize the burden on royalties by real-time consumption of the integrated management royalties earned by excellent customers into individual managed royalties at the user's choice through the appropriate royalty exchange rate. have.

Second, there is a merit that event promotion associated with a plurality of individual managed royalties can be performed in real time through royalty exchange.

In addition, for individual managed loyalty management organizations, first, the burden of royalties by real-time consumption of individual managed royalties earned to the superior customers at each merchant as integrated managed royalties by the choice of royalty users through the appropriate royalty exchange rate There is an advantage that can be minimized.

Second, there is an advantage in that event promotion linked to integrated management royalties and other individual management royalties is possible through royalty exchange.

Third, while managing poor individual management royalties compared to integrated management, integrated management royalties allow for the promotion of independent large individual management events in real time (because offline offline). If you give a prize to a customer who earns more points, you can proceed with the promotion by using integrated management royalties in exchange for real-time individual management royalties.)

In addition, from the point of view of the royalty user, first, there is an advantage that can be used in real-time exchange of the royalties most efficiently earned by the selection of the royalty user.

Second, it is possible to accumulate the integrated management royalties and individual managed royalties independently by one purchase, and then accumulate them in one integrated management or individual managed royalties.

Claims (2)

Integrated Managed Loyalty (or Points or Miles) —Loyalty (or Points or Miles) operated by a company with a variety of affiliates—Applications (or Storage) and Individually Managed Loyalty (or Points or Miles) —A single type of merchant An IC chip having a loyalty (or point or mileage) -application (or storage area) operated by its own company; In connection with the card terminal, the integrated management royalties (or points or miles) and individual management royalties (or points or miles) are processed to be exchanged based on the terms of the royalty exchange conditions, and the exchanged integrated management royalties are integrated management in the IC chip. And a processor for storing in the loyalty (or point or mileage) storage area and storing the exchanged individual management loyalty in a separate management loyalty (or point or mileage) storage area. According to claim 1, The royalty exchange conditions, Loyalty Exchange Authorization, which determines the mutual availability of the Managed Management Loyalty (or Points or Miles) and the Individually Managed Loyalty (or Points or Miles); And at least one royalty exchange rate information for exchanging the integrated management royalties (or points or miles) and individual management royalties (or points or miles).

Images