KR100971125B1 - Method for Network Card Based on Magnetic Stripe - Google Patents

Abstract

The present invention is a method of operating a magnetic stripe (MS) -based network card, and when the magnetic stripe (MS) -based card is replaced with a smart card (or IC card or IC chip), an application storage connected to the magnetic stripe (MS) -based card is stored. Checking an area, and if there is an application storage area connected to the magnetic stripe (MS) -based card, extracting an application stored in the application storage area, and replacing the extracted application with the replacement target. And processing to be stored in a smart card (or IC card or IC chip).

MS (Magnetic Stripe) Card, IC Chip, Smart Card

Description

Magnetic stripe based network card operation method {Method for Network Card Based on Magnetic Stripe}

1 is a simplified block diagram of the physical structure of a typical contact smart card.

2 is a simple configuration diagram of a logical structure of an IC chip mounted on a general smart card.

3 is a simple block diagram of the structure of a typical open smart card platform.

4 is a simple block diagram of an existing smart card service provision and post-issuance system.

5 is a simple block diagram of an MS-based network card system.

6 is a simplified block diagram of an embodiment of an MS-based network card system.

7 is a simple flow diagram for the process of issuing an MS-based network card.

8 is a simple flowchart of a process for post-issuing a smart card application with an IC chip emulator of a network card server through an MS-based network card.

9 is a simple flowchart illustrating a process of providing a smart card service through the MS-based network card system according to the present invention.

<Description of main parts of drawing>

500: MS-based network card 505: network card terminal

510: MS terminal application 515: I / O interface

520: smart terminal application 525: NCAD

530: Network card server 535: IC chip emulator

The present invention is a method of operating a magnetic stripe (MS) -based network card, and when the magnetic stripe (MS) -based card is replaced with a smart card (or IC card or IC chip), an application storage connected to the magnetic stripe (MS) -based card is stored. Checking an area, and if there is an application storage area connected to the magnetic stripe (MS) -based card, extracting an application stored in the application storage area, and replacing the extracted application with the replacement target. And processing to be stored in a smart card (or IC card or IC chip).

Magnetic Stripe (MS) card is a type of card that records information on magnetic stripe data track mounted on plastic card. Recently, it is a smart card that provides high storage capacity, arithmetic function and high security function. It is changing.

A smart card is a credit card-sized plastic card with an integrated circuit chip that has the ability to process certain transactions by having a microprocessor, card operating system, security module, and memory. It is a next-generation card with a large storage capacity, a security function such as encryption processing and authentication of a connection target, and a management function of data and information through a computing function through a central processing unit.

Smart cards are generally classified into contact cards, contactless cards, hybrid cards, and combination cards, depending on the interface with the smart card terminal. Depending on the presence of the device, it is classified into a memory card and a microprocessor card.

1 is a schematic diagram of the physical structure of a typical contact smart card.

A smart card is an IC (Integrated Circuit) card in the form of a credit card that can store and compute various digital information by embedding a central processing unit and various memory devices.The IC chip mounted on the smart card is a central processing unit, ROM ( It consists of Read Only Memory (RAM), Random Access Memory (RAM), and EEPROM (Electrically Erasable and Programmable Read Only Memory) or Flash Memory, and each IC chip component is connected via a bus. It is.

The central processing unit on the IC chip is a key component that executes and computes the program instructions of the operating system (COS). It is called CPU / MPU (Central Processing Unit / Micro Processing Unit), It interprets the commands included in the Application Protocol Data Unit (APDU) and sends them to the smart card and processes the corresponding operations.

The ROM on the IC chip is a read-only memory that stores information that cannot be erased.It stores a smart card operating system (COS), a language interpreter, and various security codes. Memory that holds the operating system, applications, and data currently in use so that all data that is executed or computed through the smart card's central processing unit is stored once in RAM.

EEPROM or flash memory on the IC chip is a memory that stores smart card applications (hereinafter referred to as "smart card application" or "SCApp") running on the smart card platform, and optionally reads and adds data and information. You can change it or delete it.

In general, most smart card applications on smart cards are stored in EEPROM or flash memory.

According to ISO 7816, the IC chip of the contact smart card is connected to the smart card terminal by contacting the card acceptance device (CAD) through the chip on board (COB), and the COB is composed of 8 contacts, 6 of which The contacts are used for power supply (VCC), initialization signal (RST), clock signal (CLK), ground (GND), program power supply (VPP), and data input / output (I / O). Is reserved as a spare contact.

The biggest feature of the smart card as described above includes a security function in a structure that cannot be arbitrarily read or written from the outside, and the security function of the smart card is controlled by a card management program and / or a COS which is a card operating system.

The card management program and / or operating system of the smart card may perform a function of setting an attribute and a password in each directory and file, checking and monitoring the number of failed password attempts, and the like.

2 is a simple block diagram of the logical structure of the IC chip mounted in a general smart card.

In a smart card, files containing smart card information and / or data, such as system files, smart card applications, key files, etc., are stored on the EEPROM and the smart card proposed in ISO 7816-4, the contact smart card standard. The logical file structure is shown in FIG.

According to ISO 7816-4, a smart card standard, each file mounted on a smart card has a hierarchical structure, and a master file (MF), a dedicated file (DF), and an element are identified by file separators. It can be divided into an element file (EF) and the like.

The master file is a root file, and must be via a master file which is a root file in order to access the smart card application through a card management program and / or an operating system mounted on the smart card.

A dedicated file is a file that classifies each file according to the purpose and application of the smart card service.In order to access the smart card application through the card management program and / or operating system installed in the smart card, the information recorded in the dedicated file is used. Reference should be made.

An element file is a file in which information and / or data for providing a smart card service is stored. A smart card application for providing a smart card service corresponds to an element file in a logical structure of a smart card.

According to the smart card standard, the protocol used for the smart card is basically a structure that transmits a command from the smart card terminal to the smart card, and the smart card responds in response to the command, the transmission and response of the command This is done through the Application Protocol Data Unit (APDU) of ISO 7816-3.

The processing of the smart card is carried out through the master file after the smart card receives the smart card command from the smart card terminal, the card management program and / or the operating system decrypts the received command and verifies the integrity. This is done by accessing files and element files.

Recently, a smart card is a multi-purpose combination card equipped with a central processing unit, which is capable of executing a program regardless of the card manufacturer, and is aiming at an open platform that is independent of the platform and that can be installed and deleted even after issuing a card.

Typical smart card open platforms include Javacard, MULTOS, Smart Card For Windows (SCFW), and SmartTEC OS.

Javacard is a smart card platform that includes a Java Virtual Machine (JVM) on top of a COS (Chip Operating System) .It is a smart card platform that allows online downloading to modify programs inside the card, load one or more applications, and communicate with existing smart cards. It is an open smart card platform based on versatility with card terminals.

MULTOS is a smart card platform with MVM (MEL Virtual Machine) designed as MEL (Multos Executable Language), a unique interpretation language on MULTOS, a multifunctional operating system developed by Mondex and supported by MAOSCO, an industry consortium led by Mondex. It is an open smart card platform that is being used for various smart card applications in Europe, and is mounted in electronic money using smart cards in Korea.

SCFW card is a smart card platform that is equipped with VBVM (Visual Basic Virtual Machine) in the MS Kernel (MicroSoft Kernel) of 8bit operating system dedicated to smart card developed by Microsoft, and through Microsoft Visual Basic. It is an open smart card platform designed to allow general developers who do not have a thorough knowledge of smart cards to approach smart card service development.

3 is a simple block diagram of the structure of a typical open smart card platform.

The open smart card platform has a different structure depending on the features of the language supported by the platform and the COS mounted on the smart card such as Java Card, MULTOS, or SCFW.

FIG. 3 is a generalization of the characteristics of each open smart card platform structure such as different Java cards, MULTOS, and SCFW, and the specific structure and configuration name of each open smart card platform is shown in FIG. It may be somewhat different.

In general, the open smart card platform is equipped with a smart card operating system COS is mounted on a hardware consisting of a silicon chip, a virtual machine and a card manager (Card Manager) on top, and above the virtual machine. It has a structure in which a smart card application (SCApp) is mounted.

As described above, the IC chip in which the smart card platform is mounted may include a central processing unit, a read only memory (ROM), a random access memory (RAM), and an electrically erasable and programmable read only memory (EEPROM), a flash memory, or the like. In some cases, a coprocessor for an Elliptic Curve Crypto system (ECC) and / or a Rivest-Shamir-Adleman (RSA) encryption operation is installed.

In addition, the hardware of the smart card platform is equipped with a chip on board (COB) (plate of eight contacts) and / or RF (Radio Frequency) antenna to provide a communication connection with the smart terminal via CAD.

The operating system (COS) of the smart card platform is a system program embedded in the IC chip's ROM for driving the smart card. The smart card platform has developed and used different COSs for each smart card manufacturer and smart card issuer. Even so, the COS mounted on the smart card may be different.

In general, COS runs the first time a smart card is booted, and communicates between the smart card and CAD, reads and writes data from internal memory, authenticates users, and controls file access and execution of smart card applications through card management programs. Do this.

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 in conjunction with the COS to control and manage the files stored on the smart card, to execute the smart card application, and to load the executed smart card application into RAM to virtually Through the machine and the COS, the central processing unit performs the role of performing a given task.

The card management program may function as a sub-OS independent of the COS depending on the characteristics of the smart card platform, or may include a card management program as part of the COS.

However, in the following description, in order to help the understanding of the present invention, a card management program mainly provides access control and management for a file stored in a smart card and execution of a smart card application.

If the card management program is included as part of the operating system, the smart card operating system may provide access control and management of files stored in the smart card and execution of smart card applications.

The card management program controls and manages the smart card application, executes the smart card application corresponding to the smart card command transmitted from the smart card terminal through the APDU, loads the RAM into the RAM, and the like. The smart card application loaded in is interpreted by the virtual machine, operated by the central processing unit through the operating system, and the operation result is included in the APDU packet through the operating system and transmitted to the smart card terminal.

The smart card application of the smart card platform is an application that performs unique functions for the smart card service. The area in which the smart card application is stored or the memory space is called a smart card application area.

In general, the access control and management of the smart card application area and the execution and running of the smart card application stored in the smart card application area are controlled by the card management program.

4 is a simple block diagram of an existing smart card service provision and post-issuance system.

Smart card service provides smart card with IC chip, CAD (Card Acceptance Device) to connect smart card and smart card terminal, smart card terminal with smart terminal application, smart card terminal and server It consists of a network and a server that provides smart card services for smart cards.

The CAD connects the smart card to the smart card terminal by transmitting an APDU packet corresponding to the smart card command from the smart card terminal to the smart card and transmitting the APDU packet corresponding to the smart card response from the smart card terminal to the smart card terminal. As a device, a communication path between a smart card and a smart card terminal is made in a half-duplex method.

That is, the data contained in the APDU packet is transmitted from the smart card terminal to the smart card, or transmitted from the smart card to the smart card terminal, but the above process is not performed at the same time.

According to ISO-7816, in the communication method between the smart card terminal and the smart card, when the smart card terminal transmits a command to the smart card terminal through an APDU packet, the smart card performs an operation corresponding to the command, and the result It responds to the smart card terminal through the APDU packet.

The smart card terminal is a host system that transmits a smart card command to the smart card and performs a given task through a response received from the smart card. Personal communication system (PCS), global system for mobile communications (GSM), personal digital cellular (PDC), personal handyphone system (PHS), personal digital assistant (PDA) In addition, wireless terminals including smart phones, credit authorization terminals (CAT), point of sales terminals, automatic teller machines (ATMs), and cash dispensers (CDs) , Or kiosks all play the role of smart card terminals.

The smart terminal application mounted on the smart card terminal is an application corresponding to at least one smart card application mounted in the smart card application area. The smart terminal application is a smart card application mounted on the smart card through an APDU packet. It is an application that transmits a card command, receives a smart card response generated by executing the smart card application, and processes a task corresponding to the smart card response.

The communication between the smart card and the smart card terminal is controlled by security systems such as confidentiality, authentication, integrity, and nonrepudiation of communication, as defined by ISO-7816 for smart cards. Apply.

The network connecting the smart card terminal and the server is a path through which the smart terminal application mounted on the smart card terminal communicates with the server to perform a task corresponding to the smart card response received from the smart card terminal. Depending on the type of server, a public switched telephone network (PSTN), a value added network (VAN), or a wired or wireless Internet may be included in the network.

The server is a server that performs a practical operation on data transmitted through the network from the smart terminal application of the smart card terminal to generate a result, and stores and manages the result. The location and role of the network is determined.

For example, if the smart card terminal is a credit card payment terminal (CAT) and the network is a VAN, the server corresponds to the credit card payment server to the credit card company.

In addition, if the smart card terminal is a POS of a large discount store and the network is a local area network (LAN), the server corresponds to a product management server inside the large discount store.

Communication between the smart card terminal and the server is controlled by a security system such as Public Key Infrastructure, such as Confidentiality, Authentication, Integrity, and Nonrepudiation. Security system is applied.

On the other hand, the characteristics of the open smart card platform as described above is characterized by the cooperation of the card issuer and the smart card application service organizations, and each of the card issuer that changes frequently even after the smart card produced by the card manufacturer is issued to the smart card user through the card issuer, It supports Post Issuance smart card application service that can share smart card application area with smart card users.

The post-issuance server is a post issuance server for smart card applications as an open smart card application area through smart card terminals on the wired / wireless Internet and network. It is a server system that is installed in a partner of a smart issuing authority and a smart card application service organization that have been granted an access code.

The post-issuance server is equipped with a D / B storing a smart card application to be mounted on the smart card, and delivers the smart card application stored in the D / B to the smart card terminal through a network. After the smart terminal application mounts the delivered smart card application as the smart card application area, the smart card application stored in the D / B is post-issued to the smart card application area.

Smart card application In the post-issuance system, the smart terminal application includes the functions and roles of the existing smart card service providing system as well as the smart card application stored in the D / B of the post-issuance server. It is characterized in that the function of post-issuance to the application area is provided.

However, smart cards such as the above have higher storage capacity and computational functions than MS Cards, and security features such as high level encryption and authentication, the cost of producing smart cards has increased from tens to hundreds of times. In early years, the smart card infrastructure including the smart card terminal (infrastructure) is not established because it is not activated.

In addition, the capacity of the storage space on the IC chip, that is, the smart card application area, in which the smart card application can be mounted in the currently available smart card is extremely limited.

Currently, about 16KB to 32KB of the storage capacity of IC chips installed in generalized smart cards, except for the smart card operating system (COS) and the open platform, smart card applications are actually installed. Smart card application areas can range from just a few kilobytes to tens of kilobytes.

The problem with the existing smart card as described above is that it restricts the high-level security services, financial services, and loyalty services through smart cards, as well as unlimited application services that various smart card application service organizations want to provide. .

An object of the present invention to solve the above problems is to replace an application storage area connected to the MS (Magnetic Stripe) based card when replacing an MS (Magnetic Stripe) based card with a smart card (or IC card or IC chip) Checking, and when there is an application storage area connected to the magnetic stripe (MS) -based card, extracting an application stored in the application storage area, and replacing the extracted application with the replacement target smart card. (Or IC card or IC chip) to provide a method for operating an MS (Magnetic Stripe) based network card comprising the step of processing to be stored.

According to the present invention, a method of operating a magnetic stripe (MS) based network card is an application connected to the magnetic stripe (MS) based card when a magnetic stripe (MS) based card is replaced with a smart card (or IC card or IC chip). Identifying a storage area; extracting an application stored in the application storage area; and replacing the extracted application if there is an application storage area connected to the magnetic stripe (MS) -based card as a result of the checking; And processing the data to be stored in the target smart card (or IC card or IC chip).

According to the present invention, the application is characterized in that it comprises one or more of a royalty service and a financial service connected to the magnetic stripe (MS) -based card.

Hereinafter, the features of the present invention will be described in detail with reference to the accompanying drawings. However, the following drawings and descriptions are for representative methods among various methods for properly describing the present invention, and the present invention is not limited only to the following drawings and descriptions.

6 is a simplified block diagram of an embodiment of an MS-based network card system.

According to the present invention, in the MS-based network card system, the network CAD 525 is mounted in the network card terminal 505 as shown in FIG. As shown in (b), the network CAD 525 is mounted on the network card server 530.

When the network CAD 525 is mounted on the network card terminal 505 as shown in FIG. 6A, the smart terminal application 520 is based on the network routing information extracted from the MS-based network card 500. The IC chip emulator 535 of the network card server 530 is accessed through 525.

In Figure 6 (a), the network CAD 525 performs the same software role as the CAD of the physical smart card terminal in the network card terminal 505, and the network CAD 525 and the network card server 530. And / or IC chip emulator 535 is connected via a network.

Referring to the process of accessing the IC chip emulator 535 of the network card server 530 from the network card terminal 505 in FIG. 6A, the MS terminal application 510 is connected to the I / O interface 515. FIG. When reading the MS card information recorded in the data track of the MS card, and confirming that the MS card is the MS-based network card 500 proposed by the present invention, the network terminal information is extracted from the MS card information to extract the smart terminal application 520. The smart terminal application 520 accesses the IC chip emulator 535 of the network card server 530 through the network CAD 525 based on the network routing information transmitted as described above.

In the above process, the smart terminal application 520 performs a function of a smart terminal application mounted on a physical smart card terminal, and the network CAD 525 plays a role of a physical CAD connected to the physical smart card terminal.

That is, the smart terminal application 520 of the network card terminal 505 is the same as the smart terminal application of the physical smart card terminal accessing the smart card through the physical CAD. The IC chip emulator 535 mounted in the 530 is accessed, and the network CAD 5250 accesses the IC chip emulator 535 of the network card server 530 through the network as if the smart card is accessed through the COB of the physical smart card. Approach

When the network CAD 525 is mounted on the network card server 530 as shown in (b) of FIG. 6, the smart terminal application uses the network card server 530 to extract network routing information extracted from the MS-based network card 500. When delivered to the network CAD 525, the network CAD 525 accesses the IC chip emulator 535 based on the network routing information.

In (b) of FIG. 6, the network CAD 525 is integrated management and smart card application information and / or for the IC chip emulator 535 assigned to each MS-based network card 500 on the network card server 530. Extracting and recording data, the network CAD 525 and the smart card application 520 of the network card terminal 505 and / or the network card terminal 505 are connected via a network.

Referring to the process of the network card terminal 505 accessing the IC chip emulator 535 of the network card server 530 in (b) of FIG. 6, the MS terminal application 510 is connected to the I / O interface 515. When reading the MS card information recorded in the data track of the MS card, and confirming that the MS card is the MS-based network card 500 proposed by the present invention, the network terminal information is extracted from the MS card information to extract the smart terminal application 520. The smart terminal application 520 transfers the network routing information transmitted as described above to the network CAD 525 mounted in the network card server 530. When the network routing information for accessing the IC chip emulator 535 is transmitted from the smart terminal application 520 of the network card terminal 505 via the network, the network CAD 525 determines the network based on the network routing information. The IC chip emulator 535 mounted on the card server 530 is approached.

In the above process, the smart terminal application 520 performs the function of the smart terminal application mounted on the physical smart card terminal, and the network CAD 525 integrates each IC chip emulator 535 in the network card server 530. It manages and accesses each IC chip emulator 535.

At this time, the network connecting the smart terminal application 5200 of the network card terminal 505 to the network CAD 525 of the network card server 530 is a communication cable and / or communication connecting the physical smart card terminal and the physical CAD. The network CAD 525 accesses the IC chip emulator 535 through the operating system of the network card server 530 as if the network CAD 525 accesses the smart card through the COB of the physical smart card.

On the other hand, in Fig. 6A and 6B, the IC chip emulator 535 of the network card server 530 has the same structure as described in Fig. 5, and its structure, function, and role are physical IC chips. And / or the same as the IC card.

Therefore, the smart card application mounted in the IC chip emulator 535 can be immediately transferred to the smart card application area on the physical IC chip and / or the IC card without special modification or processing.

For example, after a post-issuance of a smart card application for registering a guest book on a smart card of a visitor invited to a seminar, the guest book post-issued to a visitor through a smart card terminal installed at the gate during the visitor entering the seminar hall. The smart card application for automatically extracting the visitor's guest book information from the writing smart card application and transmitting and managing the guest book information to the server is shown in Table 1, and the physical IC chip and / Alternatively, the structure of the smart card application mounted on the smart card application area of the IC card is the same as that of the smart card application mounted on the smart card application area of the IC chip emulator 535.

Table 1 shows the logical format of the guest card entry smart card application post-issued on the smart card of the visitor invited to the seminar.

Table 1

According to Table 1, the information included in the guestbook smart card application includes the visitor's name, work, and personal information, such as the visitor's name, work, title, gender, age, social security number, phone number, mobile phone number, and e-mail address. This includes your job title, job title, social security number, telephone number, mobile phone number, and e-mail address.

Therefore, the guestbook entry smart card application is a smart card application having a total size of 128 bytes. The visitor name of the guestbook information is stored in the form of a string and is represented by the size of 8 bytes in four Korean characters. It is stored in the format of 16 letters or 8 letters in Korean and is represented by the size of 16 bytes. The title is stored in the form of a string and is represented by the size of 4 bytes in 2 letters of Korean characters, and the social security number includes a hyphen (-). It is expressed in size of 14 bytes, phone number and cell phone number are each 13 bytes in size, and e-mail address is expressed in 32 bytes including '@'.

Table 2 includes the guestbook information in the logical format of the guestbook entry smart card application shown in Table1.

Table 2

Among the guestbook information included in the Guestbook entry smart card application, the visitor name was 3 characters 6 bytes of Korean characters out of 8 bytes, and the workplace used 6 characters of 12 characters of Korean characters out of 16 bytes. Two letters and four bytes were used, and the Social Security Number was used for 14 bytes including 13 numeric characters and hyphens ('-') among the total 14 bytes, and the phone number was 10 numeric characters and horizontal characters ( ')') And 12 bytes, including hyphens, and 13 numbers, including 11 numeric characters and 2 hyphens, 21 alphabets and special characters ('@', '.') 3 24 bytes were used including dogs.

Table 3 is a logical representation of the structure of the smart card application in which the guest card writing smart card application including the guest book information shown in Table 2 in the logical format shown in Table 1 is stored in the smart card application area.

Table 3

In the example of Table 3, the memory address of the smart card application area where the guest card writing smart card application is stored is assumed to be a 128-byte area of 0X10000 to 0X10070 in hexadecimal.

In general, as described above, the memory address for the smart card application area may vary depending on the type of the smart card, the issuing organization and the manufacturer, and the operating system or platform installed in the smart card.

According to Table 3, the guestbook name of the guestbook entry smart card application is stored in 8 bytes of 0X10000 ~ 0X10007, the location in which the job is stored is 16 bytes of 0X10008 ~ 0X10015, and the location where the job title is stored is 0X10016 ~ 0X10019. 4 bytes, the location where the social security number is stored is 14 bytes of 0X1001A ~ 0X10027, the location where the phone number is stored is 13 bytes of 0X10028 ~ 0X10034, and the location where the mobile number is stored is 13 bytes of 0X10035 ~ 0X10041, electronic The location where the postal address is stored is 32 bytes from 0X10042 to 0X10062, and 28 bytes of 0X10063 to 0X1007F are currently unused and reserved.

According to the present invention, the logical format and the logical structure of the smart card application stored in the smart card application area of the physical IC chip and / or the IC card as described above are stored in the smart card application area of the IC chip emulator 535. The logical format and logical structure of the card application is the same.

7 is a simple flow diagram for the process of issuing an MS-based network card 500.

According to the present invention, in order for the MS-based network card 500 to be issued, a card issuer and / or a card user determines whether to issue the MS-based network card 500 according to the present invention (700).

If the card issuing agency and / or the card user does not issue the MS-based network card 500 proposed by the present invention in the above process (705), the card issuing institution goes through the same process as the issuing process of the existing MS card. The card is issued (710).

On the other hand, if the card issuing agency and / or the card user or the like decides to issue the MS-based network card 500 proposed by the present invention (710), the card issuing agency and / or the card user is the MS-based network card 500 currently issued. In operation 720, the storage capacity of the smart card application area of the IC chip emulator 535 to be mounted in the network card server 530 is determined.

According to the present invention, the IC chip emulator 535 is a software implementation of a physical IC chip and / or IC card on the network, the smart card application mounted on the IC chip emulator 535 is a physical IC chip and And / or transfer to an IC card.

Therefore, the total storage capacity of the IC chip emulator 535 to be mounted in the network card server 530 corresponding to the MS-based network card 500 and the storage capacity of the smart card application area are issued later by the corresponding smart card application. The total storage capacity of the physical IC chip and / or IC card to be stored and the storage capacity of the smart card application area must not be exceeded.

Accordingly, the smart card and the total storage capacity allocated to the IC chip emulator 535 to be mounted in the network card server 530 corresponding to the MS-based network card 500 currently issued by the card issuer and / or the card user. It is checked whether the storage capacity of the application area can be transferred to the physical IC chip and / or IC card in the future (725).

If the total storage capacity of the IC chip emulator 535 and the storage capacity of the smart card application area are difficult to transfer to the physical IC chip and / or the IC card in the future (730), the card issuer and / or card user In the future, the process of determining the total storage capacity of the IC chip emulator 535 and the storage capacity of the smart card application area with the storage capacity that can be previously issued to the physical IC chip and / or the IC card is repeated.

On the other hand, when the total storage capacity of the IC chip emulator 535 and the storage capacity of the smart card application area can be transferred to the physical IC chip and / or the IC card in the future (735), the card issuing authority may be a network card server ( In operation 740, an IC chip emulator 535 interoperates with the MS-based network card 500.

As described above, when the IC chip emulator 535 corresponding to the MS-based network card 500 currently issued on the network card server 530 is generated, the card issuing authority is similar to the process of issuing the physical smart card. The IC chip emulator 535 implemented as an initialization is initialized and personalized based on the MS-based network card 500 user information (745).

When the IC chip emulator 535 generated on the network card server 530 is initialized and personalized through the above process, the card issuing authority indicates that the network card terminal 505 is the IC chip emulator 535 on the network card server 530. In step 750, network routing information that can be accessed is generated.

According to the present invention, the network routing information is extracted by the MS terminal application of the network card terminal 505 and shared and transferred to the smart terminal application of the network card terminal 505, and the smart terminal application is transferred through the above process. The IC chip emulator 535 on the network card server 530 generated in the above process is accessed based on the received network routing information.

When the IC chip emulator 535 is generated on the network card server 530 through the above process, and network routing information for accessing the IC chip emulator 535 is generated, the card issuing authority may be configured to generate the network routing information. MS-Based Network Card 500 By recording the user information and the like on the data track of the MS card, the MS-based network card 500 proposed by the present invention is issued (755).

8 is a simple flowchart of a process of post-issuing a smart card application to the IC chip emulator 535 of the network card server 530 through the MS-based network card 500.

According to the present invention, the process of post-issuing the smart card application to the smart card application area of the IC chip emulator 535 mounted in the network card server 530 is performed by the network card terminal 505 and the MS-based network card 500. The first step of accessing the IC chip emulator 535 of the network card server 530 in conjunction with the smart card application by the network card terminal 505 to the IC chip emulator 535 on the network card server 530. The post-issuance process of various cases may occur according to the communication path of the second step of issuing the post-issuance.

According to the present embodiment, a first step approach in which the network card terminal 505 accesses the IC chip emulator 535 of the network card server 530 in conjunction with the MS-based network card 500 is a smart terminal application. The method 520 accesses the IC chip emulator 535 via the network CAD 525 based on the network routing information, and the network on which the smart terminal application 520 is mounted on the network card server 530 via the network. The network routing information is transmitted to the CAD 525 to access the IC chip emulator 535, and the smart terminal application 520 is post-issued without directly accessing the network card server 530. The second stage communication scenario in which the card terminal 505 post-issues the smart card application to the IC chip emulator 535 on the network card server 530. After the smart card application is downloaded from the post-issuance server 605 to the network card terminal 505, the IC chip emulator in which the network card terminal 505 is mounted in the network card server 530 based on the network routing information. The post-issuance route to the smart card application area of 535 and the network card terminal 505 transmit the network routing information to the post-issuance server 605, and then the post-issuance server 605 to the network card server 530. The smart card application area of the mounted IC chip emulator 535 includes a path for directly issuing a smart card application.

Figure 8 of this embodiment is for a representative method of the various post-issuance process as described above, in the present invention, the smart card application to the smart card application area of the IC chip emulator 535 mounted in the network card server 530 in the present invention The process is not limited to the following flowchart and description.

8A illustrates how the smart terminal application 520 accesses the IC chip emulator 535 through the network CAD 525 based on the network routing information and the network card terminal 505 in the post-issuance server 605. After the smart card application is downloaded, the network card terminal 505 is post-issued to the smart card application area of the IC chip emulator 535 mounted in the network card server 530 based on the network routing information. This is for the case of post-issuing a smart card application.

If the MS terminal application 510 of the network card terminal 505 obtains MS card information from the data track of the MS card via the I / O interface 515 (800), the MS terminal application 510 is as described above. The validity of the MS card is authenticated through the obtained MS card information.

Validity authentication for the MS card in this process includes an MS card authentication for authenticating whether the MS card interworking with the network card terminal 505 is appropriate to use, and the MS card user authentication included in the MS card.

If the validity of the MS card is not authenticated in the process (805), the MS terminal application 510 terminates the service for the MS card.

On the other hand, if the validity of the MS card is authenticated (810), the MS terminal application 510 of the network card terminal 505 checks whether the MS card is the MS-based network card 500 of the present invention (815).

If the MS card is not the MS-based network card 500 of the present invention (820), the MS terminal application can not post-issue the smart card application stored in the D / B (610) of the post-issuance server 605 510 terminates the service for the MS card.

On the other hand, if the MS card is the MS-based network card 500 of the present invention (825), the MS terminal application 510 of the network card terminal 505 is the MS card information obtained from the MS-based network card 500 The network card terminal 505 extracts network routing information for accessing the IC chip emulator 535 mounted in the network card server 530 from step 830.

When the network routing information is extracted from the MS-based network card 500 through the above process, the MS terminal application 510 transfers the network routing information to the smart terminal application 520 mounted on the network card terminal 505. (835).

According to the present invention, when the network routing information for accessing the IC chip emulator 535 mounted in the network card server 530 is transferred from the MS terminal application 510 to the smart terminal application 520, the smart terminal application is transmitted. In operation 520, a process of providing a smart card service through an IC chip emulator 535 corresponding to the MS-based network card 500 is started.

Therefore, when network routing information is transmitted from the MS terminal application 510 to the smart terminal application 520, the smart terminal application 520 stores the smart card application to be post-issued to provide the smart card application post-issuance service. In step 840, the post-issuance server 605 is connected.

When the smart terminal application 520 connects to the post-issuance server 605 as described above, the IC chip emulator 535 mounted on the network card server 530 at the D / B 610 of the post-issuance server 605. In step 845, a smart card application to be reissued is selected as a smart card application area.

When the smart card application is selected in the post-issuance server 605 through the above process, the smart terminal application 520 of the network card terminal 505 accesses the post-issuance server 605 to store the smart stored in the D / B 610. Full Technology (Pull Technology) for downloading the card application (transmission subject: smart card terminal-full technology) or post-issuance server 605 is stored in the D / B (610) as the network card terminal 505 Extracts the smart card application to the network card terminal 505 and transmits it to the network card terminal 505 from the post-issuance server 605 by using a push technology that transmits (transmission subject: post-issuance server-push technology). In step 850, the smart card application to be issued is forwarded.

When the smart card application to be post-issued is transferred from the post-issuance server 605 to the network card terminal 505, the smart terminal application of the network card terminal 505 is configured as a smart terminal application mounted on an existing physical smart card terminal. By applying the same method to the network as the post-issuance of the smart card application to the smart card application area on the physical smart card IC chip through the network CAD (525) and the network card server 530 via the network The smart card application is post-issued to the smart card response area of the IC chip emulator 535 (855).

According to the present invention, as described above, the smart terminal application 520 of the network card terminal 505 post-issues the smart card application to the IC chip emulator 535 mounted in the network card server 530. Comply with application post-issuance methods and regulations, in place of the smart card application areas on the network CAD (525) implemented in software and on the IC chip mounted on the physical smart card in place of the CAD, the physical card reading and writing device. The smart card application is post-issued to the smart card application area of the IC chip emulator 535 implemented in software in the network card server 530.

When the smart card application is post-issued by the IC chip emulator 535 mounted in the network card server 530, the IC chip emulator 535 management program of the IC chip emulator 535 is post-issued through the above process. In order to perform access control and management for the card application, post-issuance and management information for the post-issued smart card application is generated and stored in a memory map or file allocation table included in the IC chip emulator 535 management program. (855).

When the smart card application is post-issued by the IC chip emulator 535 mounted in the network card server 530 as described above, the IC chip emulator 535 is a post-issuance result of the post-issued smart card application such as a physical smart card. To the smart terminal application of the network card terminal 505.

8B illustrates a method in which a smart terminal application post-issues a network card server 530 without directly accessing it, and an IC chip emulator 535 mounted on the network card terminal 505 in a post-issuance server. Smart Card Application) This is about the case of post-issuance of smart card application using the direct post-issuance route to the smart card application area.

The MS terminal application 510 of the network card terminal 505 acquires MS card information from the data track of the MS card through the I / O interface 515 to authenticate the validity of the MS card, and the MS card is provided with the present invention. After checking whether the MS-based network card 500 is present, the IC chip emulator mounted on the network card server 530 of the network card terminal 505 from the MS card information obtained from the MS-based network card 500 ( If the network routing information for accessing 535 is extracted and the network routing information extracted as described above is shared and transferred to the smart terminal application mounted on the network card terminal 505, the smart terminal application is to be post-issued. Post-issuance server (60) on the network where the D / B 610, which stores applications for smart cards, is mounted. 5) and select the smart card application you want to issue.

When the smart card application to be post-issued is selected from the smart card applications stored in the D / B 610 of the post-issuance server 605 through the above-described process, the smart terminal application of the network card terminal 505 is selected. 520 indicates network routing information for accessing the IC chip emulator 535 of the network card server 530 extracted from the MS-based network card 500 and MS-based for logging in to the network card server 530. User information of the network card 500, access information of the IC chip emulator 535 capable of post-issuing the smart card application in the smart card application area of the IC chip emulator 535, and the smart card application selected by the smart terminal application 520 Extract the extracted information and the smart card application post-issuance result to the network card terminal 505 It transmits a network or the like card terminal 505, information for issuing a group server, over the network 865.

In the above process, the smart terminal application 520 of the network card terminal 505 transmits various types of smart card application post-issuance related information to the post-issuance server 605 in addition to the network routing information. The issuing process is not performed by the network card terminal 505 as the IC chip emulator 535 mounted in the network card server 530 as shown in FIG. 8A, but directly by the post-issuance server 605. This is because it is post-issued to the IC chip emulator 535 mounted in the server 530.

That is, various types of smart card application post-issuance related information transmitted from the smart terminal application 520 to the post-issuance server 605 in FIG. 8 (b) may be the smart terminal application 520 as shown in (a) of FIG. 8. In the case of post-issuance with the IC chip emulator 535 mounted in the network card server 530, processing is automatically performed by the smart card application post-issuance method and the protocol between the network card terminal 505 and the network card server 530. do.

(In Figure 8 (b), flows 800 to 845 are the same processes as in (a), so they are not repeated.)

When network routing information, MS-based network card 500 user information, IC chip emulator 535 access authority information, and smart card application extraction information are transmitted to the post-issuance server 605 (850), the network card terminal 505 ), The smart terminal application 520 extracts the smart card application selected by the smart terminal application 520 from the D / B 610 based on the information transferred by the post-issuance server 605 as described above. A request for post-issuance to the smart card application area of the IC chip emulator 535 mounted at 530 is requested (855).

Through the above process, the smart terminal application 520 of the network card terminal 505 extracts the smart card application stored in the D / B 610 as the post-issuance server 605 and is mounted on the network card server 530. If a post-issuance request is made to the smart card application area of the IC chip emulator 535, the post-issuance server extracts the smart card application from the D / B 610 based on the smart card application extraction information, and the network routing information and MS-based. The extracted smart card application is accessed by the network card server by accessing the IC chip emulator 535 mounted in the network card server 530 based on the network card 500 user information and the IC chip emulator 535 access authority information. In step 860, the IC chip emulator 535 mounted at 530 is issued to the smart card application area.

When the smart card application is post-issued by the IC chip emulator 535 mounted in the network card server 530, the IC chip emulator 535 management program of the IC chip emulator 535 is post-issued through the above process. In order to perform access control and management for the card application, the post-issuance and management information for the post-issued smart card application is generated and stored in a memory map or file allocation table included in the IC chip emulator 535 management program. 865).

When the post-issuance process of the smart card application is completed with the IC chip emulator 535 mounted in the network card server 530 as described above, the IC chip emulator 535 post-issues the post-issuance server 605 of the corresponding smart card application. And the post-issuance server 605 transmits the smart card application post-issuance result to the network card terminal 505 based on the network card terminal 505 information (870).

According to this embodiment, when the post-issuance server 605 transmits the network card terminal 505 information to the network card server 530 in the process of post-issuing the smart card application in the above process, the network card server 530 The smart card application post-issuance result may be transmitted to the network card terminal 505 through the network without passing through the post-issuance server 605.

9 is a simple flowchart illustrating a process of providing a smart card service through the MS-based network card system according to the present invention.

According to the present invention, the smart card service process through the MS-based network card 500, the network card terminal 505 is MS-based network according to the network characteristics of connecting the network card terminal 505 and the network card server 530 The first step of accessing the IC chip emulator 535 of the network card server 530 in conjunction with the card 500 and the network card terminal 505 from the IC chip emulator 535 on the network card server 530 Various implementations of the second step of extracting application information and / or data may occur.

According to the present embodiment, a network connecting the network card terminal 505 and the network card server 530 may be a case of using a public network such as a wired / wireless internet or a public switched telephone network (PSTN), a value added network (VAN), There is a case of using a private network such as a financial network, etc., and when the network card terminal 505 and the network card server 530 are connected through a public network, the network card terminal 505 and the network card server 530 are IPv4. And / or interoperate over IPv6-based protocols and provide the confidentiality, authentication, integrity, and nonrepudiation that smart card services must provide by security systems such as Public Key Infrastructure (PKI) or Wireless PKI (WPKI). And the like, and when the network card terminal 505 and the network card server 530 are connected through a private network, the network card terminal 5 05) and the network card server 530 are interworked by installing a gateway that interoperates with the network to provide compatibility between the characteristics of the network provided by the corresponding private network and the characteristics of the MS-based network card system proposed by the present invention. The security system guarantees the confidentiality, authentication, integrity, and nonrepudiation that the smart card service must provide.

Figure 9 of the present embodiment is a representative method of the smart card service method using the various MS-based network card system as described above, the method for providing a smart card service through the MS-based network card 500 in the present invention is as follows The flowchart and description are not limited to this.

If the MS terminal application 510 of the network card terminal 505 obtains MS card information from the data track of the MS card via the I / O interface 515 (900), the MS terminal application 510 is obtained as described above. The validity of the MS card is authenticated through the MS card information. Validity authentication for the MS card in this process includes an MS card authentication for authenticating whether the MS card interworking with the network card terminal 505 is appropriate to use, and the MS card user authentication included in the MS card.

If the validity of the MS card is not authenticated in the process, the MS terminal application 510 terminates the service for the MS card.

On the other hand, if the validity of the MS card is authenticated, the MS terminal application 510 of the network card terminal 505 checks whether the MS card is the MS-based network card 500 of the present invention (905).

If the MS card is not the MS-based network card 500 of the present invention, the MS terminal application 510 cannot post-issue the smart card application stored in the D / B 610 of the post-issuance server 605. Terminates the service for the MS card.

On the other hand, if the MS card is the MS-based network card 500 of the present invention, the MS terminal application 510 of the network card is the network card terminal 505 from the MS card information obtained from the MS-based network card 500. ) Extracts network routing information for accessing the IC chip emulator 535 mounted in the network card server 530 (910).

When the network routing information is extracted from the MS-based network card 500 through the above process, the MS terminal application 510 transfers the network routing information to the smart terminal application 520 mounted on the network card terminal 505. (915).

According to the present invention, when the network routing information for accessing the IC chip emulator 535 mounted in the network card server 530 is transferred from the MS terminal application 510 to the smart terminal application 520, the smart terminal application is transmitted. In operation 520, a process of providing a smart card service through an IC chip emulator 535 corresponding to the MS-based network card 500 is started.

Therefore, when network routing information is transferred from the MS terminal application 510 to the smart terminal application 520, the smart terminal application 520 may provide the smart card application through the MS-based network card 500 of the present invention. The smart card service is selected (920).

According to the present invention, the smart terminal application 520 selects a smart card service to be provided through the MS-based network card 500. The IC chip emulator in which the smart terminal application 520 is mounted in the network card server 530 is provided. This means selecting a smart card application from which smart card application information and / or data is extracted from the smart card applications mounted in the smart card application area of 535.

When the smart card service to be provided through the MS-based network card 500, that is, the smart card application is selected through the above process, the smart terminal application 520 of the network card terminal 505 is based on the network routing information. At 530, the IC chip emulator 535 allocated to the MS-based network card 500 is accessed (925).

When the smart terminal application of the network card terminal 505 accesses the IC chip emulator 535 mounted in the network card server 530, the smart terminal application receives the MS card authentication information obtained from the MS-based network card 500. Based on the validity of the IC chip emulator 535 is authenticated (930).

According to the present embodiment, authenticating the validity of the IC chip emulator 535 based on the MS card authentication information obtained from the MS-based network card 500 is performed by the smart terminal application 520 based on the network routing information. The approaching IC chip emulator 535 checks whether the IC chip emulator 535 is logically linked with the corresponding MS-based network card 500.

For example, the MS-based network card 500 includes a specific key value as the MS card authentication information, and the smart terminal application 520 stores the key value by the MS-based network card user in the network card terminal 505. After generating the encryption key in combination with the PIN value input to the), and transmits the encryption key generated as described above to the IC chip emulator 535, the IC chip emulator 535 based on the transmitted encryption key The IC chip emulator 535 authenticates the validity.

According to the present invention, as described above, the process of authenticating the validity of the IC chip emulator 535 through the MS card authentication information may include specific information included in the MS-based network card 500 (any information may be applied to the MS card). After the smart terminal application included in the network card terminal 505 is processed through a series of encryption processes (the smart terminal application is encrypted), the authentication information included in the IC chip emulator 535 is used. And a feature for authenticating the validity of the IC chip emulator 535.

If the validity of the IC chip emulator 535 is not authenticated in step 935, the smart terminal application 520 of the network card terminal 505 outputs an error message and terminates the smart card service providing process.

On the other hand, if the validity of the IC chip emulator 535 is authenticated (940), the smart terminal application of the network card terminal 505 authenticates the smart card service validity of the IC chip emulator 535 (945).

According to this embodiment, authenticating the smart card service validity for the IC chip emulator 535 is such that the IC chip emulator 535 for which the IC chip emulator 535 has been validated is actually the same level as the physical smart card. By authenticating that the smart card service that satisfies the security of the IC card can be provided, the IC chip emulator 535 uses the same confidentiality, authentication, integrity, and the like as if a physical smart card is used. It is to secure nonrepudiation.

According to the present invention, the smart card service validity authentication process for the IC chip emulator 535 as described above is smart card security defined in smart card regulations such as ISO 7816, ISO / IEC 10536, ISO / IEC 14443, and EMV. IC chip emulator 535 implemented in software in place of a physical smart card, a physical CAD, and a physical smart card terminal, network CAD, The smart card service validity is authenticated through the network card terminal 505 equipped with the smart terminal application.

If the smart card service validity for the IC chip emulator 535 is not authenticated in step 950, the smart terminal application of the network card terminal 505 outputs an error message and terminates the smart card service providing process.

On the other hand, if the smart card service validity for the IC chip emulator 535 is authenticated (955), the smart terminal application 520 of the network card terminal 505 to provide the smart card service selected by the corresponding IC chip emulator 535. In operation 960, the smart card application or smart card application information and / or data, etc. mounted in the smart card application area of the IC chip emulator 535 are extracted.

According to the present invention, the process is performed by the smart terminal application 520 of the physical smart card terminal to the smart card application, or smart card application information and / or data through the APDU to the physical smart card connected via the physical CAD Instead of instructing to extract, the smart terminal application 520 of the network card terminal 505 is connected to the IC chip emulator 535 mounted in the network card server 530 connected to the network CAD 525 via a network. Command to extract a smart card application, or smart card application information and / or data or the like through a protocol promised between the APDU and / or the network card terminal 505 and the network card server 530.

When a command for extracting a smart card application, or smart card application information and / or data is transmitted to the IC chip emulator 535 through the above process, the IC chip emulator 535 management program of the IC chip emulator 535 and And / or the virtual COS or the like authenticates the validity of the smart card application commanded by the smart terminal application 520 to extract from the smart card application area (965).

Validation of the smart card application is performed by the IC chip emulator 535 manager and / or virtual COS of the IC chip emulator 535 interpreting the smart card application extraction command, and then the smart card application is executed by the IC chip emulator 535. In the smart card application area, and check whether the smart card application can be extracted.

According to the present invention, the information on the smart card application mounted in the smart card application area of the IC chip emulator 535 is included in a memory map or file allocation table of the IC chip emulator management program of the IC chip emulator 535. The smart card application area is managed by a card management program and / or a virtual COS.

That is, the smart terminal application 520 of the network card terminal 505 is mounted in the smart card application area until the IC chip emulator management program and / or virtual COS of the IC chip emulator 535 authenticates the smart card application validity. I can't see information about the smart card application.

In addition, even if the smart card application selected by the smart terminal application is mounted in the smart card application area of the IC chip emulator 535, the smart card application is not necessarily valid.

For example, if the smart card application selected by the smart terminal application 520 provides the function of the electronic wallet, the smart card if the electronic money available to the smart card application is not charged or the electronic money is exhausted. The application is no longer valid.

If the validity of the smart card application is not authenticated in the validation process for the smart card application as described above (970), the IC chip emulator management program and / or the virtual COS of the IC chip emulator 535 is a network card terminal ( An error message is output through the smart terminal application 520 of 505 and the smart card service providing process is terminated (975).

On the other hand, if the validity for the smart card application is authenticated (980), the IC chip emulator 535 management program and / or virtual COS of the IC chip emulator 535, such as ISO 7816, ISO / IEC 10536, ISO / IEC 14443, The smart card application information and / or data are extracted from the smart card application area of the IC chip emulator 535 while satisfying at least one or more smart card regulations among the methods defined in the smart card regulations such as the EMV.

When the smart card application information and / or data is extracted from the smart card application area of the IC chip emulator 535 as described above, the IC chip emulator management program and / or the virtual COS, etc., are transferred through the network. The data is transmitted to the smart terminal application of the network card terminal 505 (990).

The delivery process of the smart card application information and / or data is guaranteed by a security system on a network and a protocol connecting the network card terminal 505 and the network card server 530.

When the smart card application information and / or data extracted from the IC chip emulator 535 mounted on the network card server 530 is transferred through the network, the smart terminal application 520 of the network card terminal 505 is a physical smart. Smart card application information extracted from the IC chip emulator 535 mounted in the network card server 530 through the same process as providing a smart card service through the smart card application information and / or data extracted from the card and And / or provide smart card services using data (995).

According to the present invention, an MS-based network card for providing a smart card service using an MS (Magnetic Stripe) card, the MS-based network card system and its operation method and an application service method using a network smart card issuing a card issuing From an institution's point of view, first, it is possible to provide various smart card services through an existing MS card without issuing a new smart card.

Second, it is possible to reduce the shock absorbing costs and large promotional costs incurred in transferring the MS card to the smart card.

Third, the smart card terminal replacement cost required for the smart card infrastructure construction process can be solved by simply upgrading the existing MS card terminal.

Fourth, it is possible to change to smart card terminal through the process of interlocking detachable and / or cable-connected CAD that can connect the physical smart card to the changed network card terminal by upgrading the software to the existing MS card terminal. There is this.

Fifth, there is an advantage of reducing the cost of creating and issuing large-scale smart cards by selectively transferring MS-based network card users to physical smart card users.

Sixth, it has the advantage of significantly reducing the cost of building a smart card infrastructure and acting as a buffer to gradually migrate to physical smart cards.

In addition, from the point of view of a card user, first, there is an advantage that a smart card service that provides various additional services through an existing MS card can be provided.

Secondly, when using the card number of the MS card already issued as network routing information, upgrading the software of the MS card terminal, and how to interwork the MS card terminal with the network card server through a gateway on the network In addition, there is an advantage that the smart card service can be provided without reissuing a new MS card.

Third, even if the MS card used as an MS-based network card is lost, the smart card service can be extended by providing a simple reissue of the MS card and interworking of the IC chip emulator.

In addition, from the standpoint of merchants, there is an advantage in that it is possible to immediately provide various types of smart card services that are not possible with the MS card only by the software upgrade of the MS card terminal.

Claims (2)

Establishing an application storage area for a smart card (or IC card or IC chip) connected to a magnetic stripe (MS) -based network card on a server on a communication network; Mounting access information on an application storage area for a smart card (or IC card or IC chip) constructed on the server in the magnetic stripe (MS) -based network card; When the MS (Magnetic Stripe) based card is replaced with a smart card (or IC card or IC chip), the smart card (or IC card or IC chip) stored in the application storage area for the smart card (or IC card or IC chip) Using the access information, the application storage area for the smart card (or IC card or IC chip) connected to the magnetic stripe (MS) -based card is checked and stored in the application storage area for the smart card (or IC card or IC chip). Extracting the application; And Processing the extracted smart card (or IC card or IC chip) application to be stored in the replacement issuance target smart card (or IC card or IC chip); magnetic stripe (MS) characterized in that it comprises a; Based network card operation method. The method of claim 1, wherein the application, Method of operating a magnetic stripe (MS) -based network card, characterized in that it comprises one or more royalty services and financial services connected to the magnetic stripe (MS) -based card.

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