KR100990359B1 - Method for Operating Dual Application(or Data) - Google Patents

Abstract

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a dual application (or data) operating method, wherein an integrated circuit chip (ICC) application (or data) is provided in a first storage medium-client card (or mobile phone). ) And a second storage medium-a server (database) on a network-and a specific application (or data) stored in any one of the first storage medium and the second storage medium. Or data) and use of a particular application (or data) stored on the first storage medium is processed so that the specific application (or data) stored on the first storage medium is deleted (or updated). A specific application (or data) stored in the second storage medium is processed to be deleted (or updated), and the specific application stored in the second storage medium. If a particular application (or data) stored on the second storage medium is deleted (or updated), the specific application (or data) stored on the first storage medium is deleted (or updated). Processing.

 Dual, Application, Integrated Circuit Chip (ICC), Card

Description

How to Operate Dual Applications (or Data) {Method for Operating Dual Application (or Data)}

1 is a system for providing a dual application (or data) in which a client card including an integrated circuit chip (ICC) and a magnetic stripe (MS), and a client terminal and a server on a network are operated in connection. For a simple drawing.

2 illustrates a process in which an application (or data) corresponding to at least one or more tangible goods requested from a client terminal is dual mounted (or recorded) on an integrated circuit chip (ICC) of a client card and a server (or database) on a network. Simple flow chart.

FIG. 3 is a simple flowchart of a process of deleting an application (or data) recorded in a server on a network when using an application (or data) mounted on an integrated circuit chip (ICC) of a client card.

4 is a simple flowchart of a process of deleting an application (or data) mounted on an integrated circuit chip (ICC) of a client card when using an application (or data) recorded in a server on a network.

FIG. 5 is a simple flowchart of a process of mutual balancing with a point recorded in a server on a network when using a point mounted on an integrated circuit chip (ICC) of a client card.

FIG. 6 is a simple flowchart illustrating a process of dually mounting a coupon (or a discount coupon) application on an integrated circuit chip (ICC) in a client card and a server (or database) on a network according to the present invention.

FIG. 7 is a simple flowchart of a process of dually mounting a ticket (or admission ticket) application to an integrated circuit chip (ICC) in a client card and a server (or database) on a network according to the present invention.

<Description of main parts of drawing>

100: server 105: providing unit

110: storage unit 115: update unit

120: user DB 125: storage DB

130: client card 135: client terminal

140: merchant terminal (IFD)

The present invention provides an integrated circuit chip (ICC) application (or data) for a first storage medium-an integrated circuit chip (ICC) provided in a client card (or mobile phone)-and a second storage medium-a server (database)-on a network- Processing the data to be stored in the storage medium; processing the use of a specific application (or data) among the applications (or data) stored in any one of the first storage medium and the second storage medium; When the use of a specific application (or data) stored on a medium is processed to delete (or update) a specific application (or data) stored on the first storage medium, the specific application (or data) stored on the second storage medium is deleted ( Or update) and use of a particular application (or data) stored in the second storage medium is processed and stored in the second storage medium. When a specific application (or data) is deleted (or updated), a dual application (or data) operation includes processing a specific application (or data) stored in the first storage medium to be deleted (or updated). It is about a method.

Generally, the MS (Magnetic Stripe) card corresponds to a cash card or credit card, and data unique to the card holder is recorded on the magnetic strip (area), and a terminal device such as a credit card inquiry machine is generally used.

However, the MS type card has a tendency to be gradually replaced by a smart card because there is little information stored and has a weak security structure above all.

A smart card is called an integrated circuit (IC) card, and is a card in which a semiconductor chip equipped with an IC memory and a central processing unit is mounted. The smart card has a larger memory capacity than a conventional magnetic stripe (MS) card and uses a CPU. By using arithmetic functions, security functions such as encryption processing and authentication of connection targets, data and information management functions, and the like, are increasingly being used.

Smart cards are designed with a single chip that makes it very difficult to detect internal signals, and by physically and logically locking them so that internal structures cannot be reconstructed at the fabrication stage, smart cards can be kept safe, non-replicable, and offline. Ensure safety in the transaction.

In addition, the smart card has a relatively large storage capacity (8kb ~ 256kb) to be able to store data and programs, and it is possible to use a variety of applications because it is possible to mount a variety of applications on one card.

However, although smart cards have an advantage in terms of performance and usability compared to MS cards, there is a lack of infrastructure capable of using smart cards.

Therefore, in the transitional period when the existing MS card is replaced by a smart card, a new service that combines the characteristics of the MS card and the smart card is needed.

An object of the present invention for solving the above problems is to provide an application (or data) for an integrated circuit chip (ICC) and a second integrated circuit chip (ICC) provided in a first storage medium-client card (or mobile phone). Processing to be stored in a storage medium—a server (database) on a network; and using a particular application (or data) of an application (or data) stored on the storage medium of either the first storage medium or the second storage medium. And processing the use of a specific application (or data) stored in the first storage medium such that the specific application (or data) stored in the first storage medium is deleted (or updated). Process a specific stored application (or data) to be deleted (or updated), and store the specific application (or data) on the second storage medium Processing the use so that a particular application (or data) stored on the second storage medium is deleted (or updated) when the particular application (or data) stored on the second storage medium is deleted. It is to provide a dual application (or data) operating method.

In addition, the present invention is requested to provide an application (or data) for at least one or more tangible goods (or services) from a client terminal, the application (or data) to at least two or more storage media (eg, associated with the client) Dual storage (or recording) on an ICC in a client card, a server (database) on a network, etc., and upon one of the storage mediums (e.g. After using the application (or data) loaded (or recorded) on the ICC) in the card and recognizing the use of the application (or data), the remaining storage medium except the storage medium in which the application (or data) is used (E.g., a server (database) on the network) application (or recorded) It has a dual (Dual) service application (or data) how to update and delete (or data) to provide.

In the dual application (or data) operating method according to the present invention, an application (or data) for an integrated circuit chip (ICC) is provided in an integrated circuit chip (ICC) provided in a first storage medium-client card (or mobile phone). And a second storage medium-a server (database) on a network-and a specific application (or data) stored in one or both of the first storage medium and the second storage medium. Data) and use of a particular application (or data) stored on the first storage medium is processed to delete (or update) the particular application (or data) stored on the first storage medium. 2 Process the specific application (or data) stored in the storage medium to be deleted (or updated), and store the specific application (or Data) is processed so that the specific application (or data) stored in the second storage medium is deleted (or updated) when the specific application (or data) stored in the second storage medium is deleted (or updated). Characterized in that it comprises a.

According to the present invention, the application (or data) is characterized in that it comprises one or more coupons, discount tickets, admission tickets, tickets, gift certificates, points, mileage, electronic money, hospital prescription, parking ticket.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

FIG. 1 shows a dual card in which a client card 130 including an integrated circuit chip (ICC) and a magnetic stripe (MS), and a client terminal 135 and a server 100 on a network are connected and operated. A simple diagram of an application (or data) providing system.

According to the present invention, the client card 130 is provided with an integrated circuit chip (ICC) including a predetermined application (or data) storage area capable of storing a specific application (or data) provided from the server 100. The client card 130 further includes a magnetic stripe (MS) including a magnetic area in which card information such as a credit card number is recorded.

In addition, the integrated circuit chip (ICC) of the client card 130 includes an application (or data) provided from the server 100 and is defined according to a smart card standard such as ISO / IEC 7816 and / or ISO / IEC 14443. By communicating with the merchant terminal using a communication protocol such as an APDU (Application Protocol Data Unit), an application (or data) mounted on the integrated circuit chip (ICC) is executed.

In addition, the integrated circuit chip (ICC) of the client card 130 is a Java card, MULTOS (Multi-application) that supports processing such as mounting and deleting various applications (or data) according to the present invention after issuing the card. It may be configured to include an open platform such as an Operating System (SCFW), Smart Card For Windows (SCFW), SmartTEC OS.

It is noted that the integrated circuit chip (ICC) may further include credit card information, debit card information, financial community network information, electronic money information, certificate information, and the like.

In addition, the client card 130 may be mounted or detached from the integrated circuit chip (ICC) in the form of a dual slot, a dual chip, and / or a one chip. It further includes a wireless terminal. In this case, the wireless terminal may include an interface for executing a data transaction according to the present invention with an affiliated interface device (IFD) 140 (eg, an infrared data communication interface, a Bluetooth communication interface, and a Wi-Fi communication interface). , WLAN communication interface, RF communication interface, etc.)

According to a preferred embodiment of the present invention, credit card information mounted in the integrated circuit chip (ICC) is connected to the integrated circuit chip (ICC) through a client terminal 135 and a card reader, and the client terminal 135 Is connected to the server 100 via a network such as the Internet to start data communication, by providing the credit card information (for example, credit card number information, chip serial number information, etc.) to the server 100, When the server 100 records the application (or data) according to the client's request in the server 100, the server 100 is associated with or stored in association with the credit card information.

In addition, the MS (Magnetic Stripe) of the client card 130 is recorded information such as a credit card number, MS (Magnetic Stripe) type merchant terminal (for example, credit card inquiry machine, etc.) is the MS (Magnetic Stripe) Credit card number information, etc. recorded in the) is read out and provided to the credit card company through a value added network (VAN), thereby providing a credit card payment function.

In addition, the credit card number information read from the magnetic stripe (MS) to extract / confirm the application (or data) recorded in association with the credit card number in the server 100 on the network.

Accordingly, according to the present invention, the client card 130 is connected to the card information (credit card number, etc.) and a function to use an application (or data) mounted on an integrated circuit chip (ICC) in the card. And a function for using an application (or data) recorded in the.

According to this figure, the client terminal 135 includes a card reader capable of contacting the integrated circuit chip (ICC) of the client card 130, and is connected to the server through a network such as the Internet. The client terminal 135 transmits a client's request to the server 100 through an Internet protocol, and relays data transmission and reception between the client card 130 (ICC) and the server 100 connected to the reader. It is characterized by.

In addition, the client terminal 135 configures the interface with the card reader by applying the PC / SC standard, the command processing of the client terminal 135 and the card reader period is in accordance with the international card standard of ISO 7816-4 This is preferred.

According to the present invention, the process of loading the application (or data) provided from the server 100 on the network to the integrated circuit chip (ICC) of the client card 130 is at least one driven in the client terminal 135. The chip card application is mounted on the client smart card through the card reader, and the application (or data) transmitted to the client terminal 135 is mounted on the integrated circuit chip (ICC) of the client card 130. It is noted that a series of data processing operations are performed through the chip card application.

More specifically, the client terminal 135 first checks the contact connection with the integrated circuit chip (ICC) of the client card 130 inserted into the reader connected to the client terminal 135, and checks the integrated circuit chip (ICC). At least one activation message for activation is transmitted to the card integrated circuit chip (ICC) through an application protocol data unit (APDU), thereby resetting the integrated circuit chip (ICC) of the client card 130 to the RST. And transmitting a message for mounting at least one application (or data) provided from the server 100 on the network by analyzing an answer to reset (ATR) returned from the integrated circuit chip (ICC). And exchange of responses.

In addition, the application (or data) may include at least one file standard (e.g., a dedicated file (DF) or an element file) defined in a smart card standard such as ISO / IEC 7816 and / or ISO / IEC 14443. (EF)) and / or a memory device (eg, EEPROM (Electrically Erasable and Programmable Read Only) in an integrated circuit chip (ICC) in the form of information (eg, data or program code) included in the integrated circuit chip (ICC). Memory), FM (Flash Memory, etc.) is preferable.

In addition, according to the present invention, the process of loading (or recording) the application (or data) provided from the server 100 on the network to the server 100 (or database) on the network is the client terminal 135 and the card Obtain at least one credit card information (eg, credit card number information, etc.) for the client card 130 provided from the credit card storage information DF of the integrated circuit chip (ICC) of the client card 130 connected through the reader. The information is stored in association with or matched with the credit card information.

Receiving credit card information from the client card 130 from an integrated circuit chip (ICC) is based on the security and convenience of the smart card (ICC), and the client terminal 135 (for example, a PC). This is to solve the problem of exposing credit card information generated by the client's direct input and the hassle of input.

According to the present invention, the integrated circuit chip (ICC) of the client card 130 of the above-described application (or data) and the server 100 (or database) on the network are mounted on one specific tangible or intangible product (or service) requested by the client. Means loading both of the corresponding applications (or data), and when the application (or data) mounted (or recorded) on one storage medium (eg, ICC of the client card 130) is used, the remaining storage medium (E.g., use of an application mounted on (or written to) a server (or database) on a network is not allowed (deleted), and more particularly, a description of the drawings and the drawings presented in the preferred embodiments described below. It will be described through.

According to the figure, the server 100 on the network recognizes the client card 130 connected through the client terminal 135, and also corresponds to an application corresponding to a specific tangible or intangible product (or service) requested from the client terminal 135. (Or data) is mounted (or recorded) on an integrated circuit chip (ICC) of the client card 130 and a database in the server 100.

According to the present invention, the server 100 may exist at any location on the network, and communicate with the client terminal 135 via the Internet or the like, and the merchant terminal (eg, VAN, etc.) offline via the other network (eg, VAN). Merchant may interface with IFD (Interface Device (140), etc.).

For example, when the server 100 communicates with an interface device (IFD) 140 of an offline affiliate, the server 100 may exist separately on a value added network (VAN), or in association with the VAN. It may be located inside or outside the VAN company (server), and may be located inside or outside the credit card company server in connection with the credit card company server.

In addition, according to the present invention, the server 100 on the network corresponds to a single specific tangible or intangible product (or service) to a plurality of storage media (eg, ICC and server (or database) of the client card 130, etc.). In managing dual mounted (or recorded) applications (or data), if an application (or data) mounted (or recorded) on a particular storage medium is used, the application (or recorded) on the remaining storage medium (or Data) is automatically deleted.

For example, when an application (or data) corresponding to one tangible or intangible product (or service) is loaded into the ICC of the client card 130 according to the present invention and simultaneously recorded in the server 100 (or database) on the network, According to the interface (eg, ICC interface or MS interface) of the merchant IFD (Interface Device) 140 at the time of using the card possessed by the client, the client may have an application (or data) mounted on an integrated circuit chip (ICC). Should be used or whether the application (or data) recorded in the server 100 (or database) on the network will be used.

If the client interface device (IFD) 140 to use an application (or data) has an integrated circuit chip (ICC) based interface, the client is mounted on an integrated circuit chip (ICC) in the card. The application (or data) and the usage history of the application (or data) is transmitted to the server through a network (eg, a VAN), the server 100 checks the application (or data) usage history. , Deleting the same application (or data) recorded on the server (or database).

The process in which the application (or data) usage history is transmitted to the server 100 through a network (for example, a VAN) indicates that the person skilled in the art can implement real-time processing or batch type periodic processing in implementing the present invention. I will.

In addition, when the merchant interface device (IFD) 140 to which the client intends to use an application (or data) has an interface based on a magnetic stripe (MS), the client is recorded in the magnetic stripe (MS) on the card. Credit card information (such as a credit card number) is provided to the IFD (Interface Device) 140, and the IFD (Interface Device) 140 is the application (or data) associated with the credit card number to the server 100. Is provided, and the client (100) is provided with an application (or data) associated with the credit card number or the like from the server 100, so that the client can use the application (or data) recorded on the network based on the magnetic stripe (MS). Can be. At this time, since the application (or data) may exist in the integrated circuit chip (ICC) in the client card 130, the server 100 allows the client to reuse the card based on the integrated circuit chip (ICC). Updating at this point may delete the used application (or data).

In addition, the merchant interface device (IFD) 140 may be configured such that the client card 130 has a dual slot, and / or dual chip, and / or one chip. In the case of a wireless terminal in which an integrated circuit chip is mounted or detached, the wireless terminal may include an interface for performing a data transaction with the wireless terminal (eg, an infrared data communication interface, a Bluetooth communication interface, a Wi-Fi communication interface, and a wireless device). LAN communication interface, RF communication interface, etc.)

In addition, according to the present invention, the server 100 on the network may inherit the function of the server (or database) where the application (or data) is stored as it is, and interoperate with the server (or database) that exists independently. Can be.

In order to achieve the above functions, the server 100 on the network may include a providing unit 105 for providing an application (or data), a storage unit 110 for storing an application (or data), and an update for updating an application (or data). It includes a unit 115, and preferably comprises a user information database 120, a storage database 125 in which an application (or data) is stored.

The providing unit 105 receives an application (or data) corresponding to a specific tangible or intangible product (or service) requested from the client terminal 135 through the client terminal 135 and integrated circuit chip of the client card 130. Application (or data) or application (or data) information that is the same as an application (or data) mounted on the integrated circuit chip (ICC) in the storage database 125 through the storage unit 110. It has a function to record.

The storage unit 110 stores the same application (or data) or application (or data) information as the application (or data) mounted on the integrated circuit chip (ICC) of the client card 130 according to the present invention. 100) to the storage database 125. At this time, the application (or data) recorded in the storage database 125 is preferably stored in association with the credit card information (credit card number, etc.) and / or client personal information included in the client card 130. .

The updater 115 has an application (or data) corresponding to one tangible or intangible product (or service) loaded into the integrated circuit chip (ICC) of the client card 130 and the database in the server 100 (or recorded). When the client uses the application (or data) of the mounted (or recorded) storage medium using the card, the client recognizes the application (or data) mounted on the remaining storage medium. It has a function to update.

The user database 120 is configured to include personal information and card information for the client, and the storage database 125 allows the client's application (or data) to receive card information such as the client credit card number in the server 100. And / or a storage medium that matches and is recorded with client personal information.

2 shows that an application (or data) corresponding to at least one tangible or tangible product requested from the client terminal 135 is duplicated in the integrated circuit chip (ICC) of the client card 130 and the server 100 (or database) on the network. A simple flow chart of the process of mounting (or writing).

According to this figure, an integrated circuit chip (ICC) of the client card 130 is connected to a client terminal 135 (eg, a personal computer (PC)) through a card reader, and the client terminal 135 To exchange data with the server 100 on the network connected via the Internet. In this case, the interface between the client terminal 135 and the card reader period may constitute an interface based on the PC / SC standard proposed by Microsoft, and the interface between the card reader and the ICC may be configured based on ISO 7816. have.

In addition, according to the present invention, the command processed between the client terminal 135 and the integrated circuit chip (ICC) may be in accordance with ISO 7816-4 established by the International Organization for Standardization.

When the client inserts the card according to the present invention into the card reader connected to the client terminal 135 (200), the client terminal 135 is the contact connection confirmation of the integrated circuit chip (ICC) and the reader period of the card and the card ( ICC) to validate (205).

Validation of the integrated circuit chip (ICC) in the card is a card RST (Reset) transferred from the terminal to the integrated circuit chip (ICC) when the contact connection between the integrated circuit chip (ICC) and the reader period is made and activated By confirming that an ATR (Answer To Reset) is received from the integrated circuit chip (ICC) to the terminal, the terminal is prepared to initialize an application (or data) provided from the server 100 on the network according to the present invention. Is to determine whether it is possible.

If a contact connection failure occurs due to an integrated circuit chip (ICC) or a reader in the card, or if an ATR (Answer To Reset) is not received from the integrated circuit chip (ICC), the client terminal 135 may request the ICC. Recognizing the failure of validation of the integrated circuit chip and ending the mounting process of the application (or data) from the server 100 on the network (210).

On the other hand, if the validity authentication for the integrated circuit chip (ICC) is smoothly performed (215), the client terminal 135 is connected to the server 100 via a network such as the Internet.

According to this figure, the card authentication process after the insertion of the client card 130 is shown to occur before the process of the client terminal 135 accesses the server 100 on the network, the above process can be variously presented. (E.g. after connecting to a server on the network, inserting cards and validating cards)

When the client terminal 135 establishes communication (220) between the client card 130 (ICC), the client terminal 135, and the server 100 on the network by connecting to the server 100 on the network through the Internet, The client terminal 135 requests an application (or data) corresponding to the tangible or intangible product (or service) from the server 100 (225).

The server 100 extracts or generates an application (or data) corresponding to the requested tangible or intangible product (or service) from the client terminal 135, thereby generating the client card according to the present invention (or data). The controller 130 waits to mount (or write) dually to the integrated circuit chip (ICC) 130 and the database in the server 100.

In the drawing, the generation of the application (or data) is not described in detail. However, an application (or data) generated according to the present invention and mounted on a client integrated circuit chip (ICC) may be generated based on an open platform supported by the integrated circuit chip (ICC) of the client card 130. (Java applets, etc. for Javacard)

In addition, the server 100 may be configured such that an application (or data) recorded in the server 100 (or database) on the network is recorded in association with the client card 130 information in the dual mounting (or recording) process. A card information (credit card number, etc.) request message is provided to the card (ICC) connected with the terminal through step 235.

According to the present invention, requesting card information such as a credit card number to the integrated circuit chip (ICC) is performed when the server 100 on the network is independently present (not associated with a credit card company). ) Is not easy to hold the card information of the client in advance, and inputting at the point of time when the client requests an application (or data) through the terminal may cause a problem of personal information leakage, thus providing high security. It would be desirable to use the integrated circuit chip (ICC).

However, when the server 100 on the network exists in association with a credit card company server having the client card 130 information (internal or external to the credit card company server, etc.), such as a credit card number from the integrated circuit chip (ICC). The process of requesting card information can be omitted.

In response to a request message from the server 100 on the network, a response message including card information mounted on an integrated circuit chip (ICC) of the client card 130 may be provided to the server 100 through the client terminal 135. In operation 240, the server 100 transmits an application (or data) corresponding to a specific tangible or intangible product (or service) requested by the client via the client terminal 135 to the application in the integrated circuit chip (ICC) of the card. (Or data) storage area (245).

In addition, the server 100 records the application (or data) in the database in association with the card information (credit card number, etc.) received from the card (250), the specific product (or requested from the client in accordance with the present invention) Dual-mounting of an application (or data) corresponding to a service), and the application (or data) is loaded (or recorded) into an integrated circuit chip (ICC) of a client card 130 and a database in the server 100. By confirming (255) the dual mount (or write) process of the client's requesting application (or data) in accordance with the present invention is terminated.

3 illustrates a process of deleting an application (or data) recorded in the server 100 on a network when using an application (or data) mounted on an integrated circuit chip (ICC) of the client card 130. Simple flow chart.

In the drawings, an application (or data) corresponding to a specific tangible or intangible product is dually mounted (or recorded) on the integrated circuit chip (ICC) of the client card 130 and the server 100 (or database) on the network. When the merchant IFD (Interface Device) 140 that uses the client card 130 is operated based on a smart card (ICC), an application (or data) mounted on an integrated circuit chip (ICC) in the client card. The application on the integrated circuit chip (ICC), and the server on the network recognizes the use of the application (or data) mounted on the integrated circuit chip (ICC), and the application is recorded dually with the integrated circuit chip (ICC) on the server (or database). As a simple exemplary embodiment of a process for deleting (or data), the process described in this drawing is based on the application (or data) shown in FIG. ) It is started from a point in time with a dual client on a card 130 within the ICC (Integrated Circuit Chip) and server 100 (or database in the network).

In addition, the server 100 (or database) on the network in which the application (or data) described in this drawing is recorded is provided on a value added network (VAN) according to the implementation manner of those skilled in the art without departing from the spirit of the present invention. Independently located in, or located within a value added network (VAN) server, or located within a credit card company server, or in association with the merchant interface device (IFD) 140 may be located within the merchant server. It is.

The dual application (or data) providing method according to the present embodiment includes receiving a request for providing an application (or data) from the client card 130 terminal, and transferring the application (or data) to the client card 130. Providing (or recording) information on an integrated circuit chip (ICC) in the card, and loading (or recording) information (or data) or application (or data) information mounted (or recording) on the integrated circuit chip (ICC) in the card. Providing the server (or database) in association with the card information (or card user information), and storing the client card 130 (ICC) in the card when the card is used in a terminal for an IC card. Extracting an application (or data) mounted on (or recording) the data and applying the same to the client card 130; Providing the applied application (or data) or application (or data) information to the server (or database) and the application stored in association with the card information (or card user information) in the server (or database). Or deleting or updating the application (or data) or application (or data) information previously applied in the terminal for the IC card among the data) or the application (or data) information.

The application (or data) is dual mounted 300 on the integrated circuit chip (ICC) in the client card 130 and the server 100 (or database) on the network (300), and the client is a smart-based interface device (IFD) 140 In accordance with the present invention, a merchant operating a request for the use of an application (or data) mounted on an integrated circuit chip (ICC) in the client card 130 according to the present invention, and the merchant IFD (Interface Device) 140 An integrated circuit chip (ICC) of the card is approached to an integrated circuit chip (ICC) interface (310).

In order to use an application (or data) mounted on an integrated circuit chip (ICC) in the card 130 of the client, the integrated circuit chip (ICC) approaches an ICC interface of an interface device (IFD) 140. When the connection is established, the IFD (Interface Device) 140 confirms the contact connection between the ICC interface and the integrated circuit chip (ICC), and at least one activation message for activating the integrated circuit chip (ICC). Is transmitted to an integrated circuit chip (ICC) in the card through an APDU (Application Protocol Data Unit), and integrated circuit chip (ICT) through exchange of an ATR (Answer To Reset) with an integrated circuit chip (ICC) of the client card 130 In step 315, a validity authentication procedure for using an application (or data) mounted on the chip is performed.

In the process, if the validity of the integrated circuit chip (ICC) for use of the application (or data) is not authenticated (320), the merchant interface device (IFD) 140 is the integrated circuit (ICC) Recognize Chip's validation failure and terminate the application (or data) usage process.

On the other hand, if the validation for use of the application (or data) mounted on the integrated circuit chip (ICC) is completed (325), the merchant IFD (Interface Device (140)) 140 to the integrated circuit chip (ICC) The client transmits a message requesting an application (or data) to be used by the client through an application protocol data unit (APDU) to an integrated circuit chip (ICC) (330).

Upon receiving a message requesting the use of an application (or data) from the interface device (IFD) 140, the integrated circuit chip (ICC) may request the application (or data) according to the request of the interface device (IFD) 140. By sending a response message including the interface device (IFD) 140 (335), the interface device (IFD) 140 obtains an application (or data).

The interface device (IFD) 140, which receives an application (or data) from an integrated circuit chip (ICC) in the client card 130, is connected to a server (or database) to provide an application (or data) provided from the integrated circuit chip (ICC). Data validation) (340).

According to the present invention, in the use of an application (or data) dually mounted on an integrated circuit chip (ICC) of the client card 130 and a server (or database) on a network, the client is a server (or database) on a network. If the application (or data) recorded in the above is used, the application (or data) mounted on the integrated circuit chip (ICC) is already used, and thus the use effect is lost. Accordingly, the interface device 140 may perform validation of the application (or data) prior to the use of the application (or data) provided from the integrated circuit chip (ICC).

If the client first used the application (or data) recorded in the server (or database) on the network before using the application (or data) mounted on the integrated circuit chip (ICC) (345) In operation 350, the server 100 transmits a delete command of an application mounted on a client integrated circuit chip (ICC) to the interface device (IFD) 140.

In addition, the IFD 140 may delete an application (or data) mounted on an integrated circuit chip (ICC) in the client card 130 according to a command for deleting an application (or data) received from a server. An update processing of the application is performed, and the application (or data) usage history is output and provided to the client (355).

On the other hand, if the validity of the application (or data) mounted on the integrated circuit chip (ICC) in the client card 130 is authenticated (360), the merchant interface device (IFD) 140 is the application (or data) In operation 365, the application (or data) storage information in the integrated circuit chip (ICC) may be updated and deleted.

In addition, the IFD 140 requests a database update by providing an application (or data) usage history mounted on an integrated circuit chip (ICC) in the client card 130 to a server on a network (370). ).

At this time, the usage history of the application (or data) mounted on the integrated circuit chip (ICC) in the client card 130 may be transmitted to the server 100dddddd in real time or may be periodically sent in a batch form. It is possible to specify the possibility.

The server on the network that receives the usage history of the application (or data) that was mounted on the integrated circuit chip (ICC) from the interface device (IFD) 140 checks the usage history of the application (or data), and then stores the ICC in the database. The database is updated by deleting an application (or data) recorded in dual with the (Integrated Circuit Chip).

When the application (or data) used in the integrated circuit chip (ICC) of the client card 130 is used through the above process, and the application (or data) recorded in dual in the server (or database) on the network is deleted. The interface device (IFD) 140 outputs the usage history of the application (or data) to the client, thereby ending the process of the present embodiment (380).

4 illustrates a process of deleting an application (or data) mounted on an integrated circuit chip (ICC) of a client card 130 when using an application (or data) recorded in the server 100 on a network. Simple flow chart.

According to the present invention, an application (or data) corresponding to a specific tangible or intangible product is dually mounted (or recorded) on an integrated circuit chip (ICC) of a client card 130 and a server (or database) on a network, and a client When the merchant interface device (IFD) 140 that uses the card 130 is operated based on a magnetic stripe (MS) card (for example, a credit card checker or the like), the client sends a message to the MS of the client card 130. A simple embodiment of the process of using an application (or data) recorded on a server (or database) on a network using recorded information. The use of an application (or data) recorded on a server (or database) on the network. Due to this, a process of deleting an application (or data) dually mounted in an integrated circuit chip (ICC) in the client card 130 Since is included in the process of Figure 3, it is not shown in this figure.

In addition, the process described in this figure is initiated from the point in time when the application (or data) is dual mounted on the integrated circuit chip (ICC) in the client card 130 and the server (or database) on the network through FIG. 400.

Further, according to the embodiment shown in this figure, a server (or database) on a network recording an application (or data) used through credit card number information recorded in an MS (Magnetic Stripe) is an object of the present invention. It is located within the VAN independently, within the VAN company server, or within the credit card company server, or in conjunction with the merchant IFD (140) in accordance with the implementation manner of those skilled in the art without departing from the merchant server It can be located within.

The dual application (or data) providing method according to the present embodiment includes receiving a request for providing an application (or data) from the client card 130 terminal, and transferring the application (or data) to the client card 130. Providing (or recording) information on an integrated circuit chip (ICC) in the card, and loading (or recording) information (or data) or application (or data) information mounted (or recording) on the integrated circuit chip (ICC) in the card. Providing the server (or database) in association with the card information (or card user information) and storing the card information (or card user information); when the client card 130 is used in a terminal for an MS (Magnetic Stripe) card, The application (or data) or application (or data) information stored in the server (or database) is cooperatively processed. Exporting and providing the MS (Magnetic Stripe) card terminal, and the application (or data) received from the server (or database) in the MS (Magnetic Stripe) card terminal to the client card 130 In the step of applying and connecting the client card (Card) to the terminal for the IC card, the server (from the application (or data) mounted on the integrated circuit chip (ICC) in the client card 130 (Card) ( Or deleting or updating the application (or data) used and received from the database.

In addition, applying the application (or data) provided from the server (or database) to the client card 130 in the terminal for the magnetic stripe (MS) card, the application applied to the client card 130 The method may further include providing (or data) or application (or data) information to the terminal for the IC card, wherein the application (or data) or application (or data) information applied to the client card 130 is read. Deleting or updating from a server (or a database) and connecting the client card 130 (Card) to a terminal for an IC card, in conjunction with the terminal for the IC card, is previously applied from the server (or database) and deleted or Providing updated application (or data) information to the IC card terminal There can be further included.

In accordance with the present invention, an application (or data) is dual mounted on an integrated circuit chip (ICC) in a client card 130 and a server (or database) on the network, and the client is on the network via a merchant interface device (IFD) 140. Upon requesting the use of an application (or data) mounted on a server (or database) (405), the IFD (Interface Device) 140 receives a credit card number or the like from a magnetic stripe (MS) area of the client card 130. The card information is read (410).

When card information such as a credit card number is read from a magnetic stripe (MS) area of the client card 130, the merchant IFD (Interface Device) 140 provides the read card information (credit card number, etc.) to a server. In operation 415, the server (or database) transmits a request message for confirming whether the application (or data) requested by the client is recorded.

In using an application (or data) recorded in a server (or database) on a network according to the present invention, the message exchange between the IFD (Interface Device) 140 and the server when used in parallel with the credit card payment Indicates that it can be implemented in the credit card payment approval request text and payment approval request response text.

The server (or database) on the network receiving the application (or data) confirmation request message determines whether there is an application associated with the card information (credit card number, etc.) according to the request of the merchant interface device (IFD) 140. Search (420).

If there is no application associated with card information transmitted from the merchant IFD 140 at the server (or database) on the network (425), the server (or database) does not have an application. By notifying the merchant interface device (IFD) 140, the use process of the application based on the magnetic stripe (MS) card according to the present embodiment is terminated.

On the other hand, if there is an application associated with the client card 130 information transmitted from the interface device (IFD) 140 in the server (or database) (430), the server (or database) extracts the application The merchant is transmitted to the IFD (Interface Device) 140 (435).

Interface device (IFD) 140 checks and executes the application transmitted from the server (or database) (440). For example, execution of the application means that when the application is a ticket (information), the ticket is released and provided to the client.

In addition, the IFD (Interface Device) 140 transmits the application (or data) to the server (or database) to update the database (445), and the server requests the IFD (Interface Device) ( In response to the request of 140, the database is updated to delete a recorded application (or data), and to store the update history (450).

If the client deletes an application (or data) recorded in the server (or database) using an application (or data) on the network based on a magnetic stripe (MS) card, the interface device (IFD) 140 may be deleted. ) Outputs the usage history of the application (or data) to the client, thereby terminating the process of the present embodiment (455).

As described above, when the client subsequently uses an integrated circuit chip (ICC) in a card according to the present invention, an application (or data) dually mounted on the integrated circuit chip (ICC) is illustrated in FIG. 3. It is deleted through the process described in.

FIG. 5 is a simple flowchart illustrating a process of mutually balancing the points recorded in the server on the network when using the points mounted on the integrated circuit chip (ICC) of the client card 130.

FIG. 1 illustrates an embodiment of the present invention, in which a point is generated in an integrated circuit chip (ICC) of a client card 130 and a server (or database) on a network when a point occurs due to the use of the client card 130. In the process of using the dual (or recorded), the point mounted on the integrated circuit chip (ICC) in the client card, and the point information mounted on the integrated circuit chip (ICC) in the client card 130 and By comparing and balancing the point information recorded in the server (or database) on the network, it is a simple flowchart to solve the inconsistency of the point data due to the accumulation of new points or use of the points.

In addition, in the description of the drawing, the process of dual mounting (or writing) the points to the integrated circuit chip (ICC) in the client card 130 and the server (or database) on the network is replaced by the process of FIG. Reveals.

In addition, the points may include at least one or more file standards (eg, Dedicated File (DF) or Element File (EF) defined in the smart card standard (eg, ISO / IEC 7816 and / or ISO / IEC 14443). ) And / or information (for example, data or program code) included in the integrated circuit chip (ICC), etc., on the integrated circuit chip (ICC).

For example, the integrated circuit chip (ICC) may include point management information (DF) in which at least one point related information (EF) is organically grouped for mounting / using a point according to the present invention.

Accordingly, in the present embodiment, a point generated due to the use of the client card 130 or the like is started from the time when the dual card is mounted in the integrated circuit chip (ICC) in the client card 130 and the server (or database) on the network (500). .

In addition, the server (or database) on the network in which the points described in this figure are recorded may be independently located on the VAN according to an implementation method of a person skilled in the art, or may be located in a VAN company server without departing from the spirit of the present invention. Or, it may be located in the credit card company server, or in conjunction with the merchant IFD (Interface Device) 140 to specify that it may be located in the merchant server.

* The client requests the use of the points mounted in the integrated circuit chip (ICC) in the client card 130 in accordance with the present invention at the merchant operating the smart-based IFD (Interface Device) 140 (505), the When an integrated circuit chip (ICC) of the card is connected to an ICC interface of a merchant IFD (interface device) 140, the interface device (IFD) 140 is connected between the ICC interface and an integrated circuit chip (ICC). Confirm contact connection, and transmit at least one activation message for activating an integrated circuit chip (ICC) to an integrated circuit chip (ICC) in the card through an application protocol data unit (APDU), and the client An ATR (Answer To Reset) is exchanged with the integrated circuit chip (ICC) of the card 130 to perform a validity authentication procedure for use of the points mounted on the integrated circuit chip (ICC) (510).

If the validity of the integrated circuit chip (ICC) for use of the application (or data) is not authenticated (515), the merchant interface device (IFD) 140 fails to validate the integrated circuit chip (ICC). Recognize and terminate the process of using the point according to the present embodiment.

On the other hand, when the validity authentication for use of the point mounted on the integrated circuit chip (ICC) is completed (520), the merchant interface device (IFD) 140 is intended to be used by the client as the integrated circuit chip (ICC) A message requesting a point to be transmitted is transmitted to an integrated circuit chip (ICC) through an application protocol data unit (APDU) (525), and a message requesting the use of an application (or data) from the interface device (IFD) 140 is transmitted. The received integrated circuit chip (ICC) sends a response message including the point information (available remaining point information, recent point usage (or cumulative) information, etc.) according to the request of the interface device 140 (IFD). In operation 530, the controller 140 transmits to the (Interface Device) 140.

The interface device (IFD) 140 having received the point information from the integrated circuit chip (ICC) in the client card 130 transmits the point information provided from the integrated circuit chip (ICC) to a server (or a database) on the network. Request for balancing with the point information recorded in the server (or database) (535).

The server checks the point information mounted on the integrated circuit chip (ICC) and compares the point information recorded in the server (or database) to identify the actual usable point of the client (540).

If the point information mounted on the integrated circuit chip (ICC) and the point information recorded on the server (or the database) do not match (545), the server may store the point information transmitted from the interface device (IFD) 140 and the server. In step 550, the recorded point information is balanced.

For example, when the point information mounted on the integrated circuit chip (ICC) and the point information recorded on the server (or database) do not match, the integrated circuit chip (ICC) of the client card 130 and the server on the network ( Or a new point is added to an integrated circuit chip (ICC) of the client card 130 or to a server (or database) on the network after the point is dually mounted (or recorded) in the database), or the network The point policy or the like is changed in the server (or database) on the server, or the point mounted (or recorded) in the integrated circuit chip (ICC) of the client card 130 or the server (or database) on the network. do.

Through the above process, the server balances the point information transmitted from the interface device (IFD) 140 and the point information recorded in the server and transmits the balanced client point information to the interface device (IFD) 140. (555).

During the balancing process, the server performs balancing by comparing the latest update history of the integrated circuit chip (ICC) in the client card 130 and the server (or database) on the network, respectively.

For example, the point of dual mounting (or recording) in accordance with the present invention in the integrated circuit chip (ICC) in the client card 130 and the server (or database) on the network is 1000pt, and the client is 1000pt mounted in the ICC in the card. If 500pt is used, since 1000pt is recorded as it is on the server (or database) on the network, 500pt out of 1000pt recorded on the server (or database) is a point that cannot be used.

Therefore, since 500pt mounted on the integrated circuit chip (ICC) becomes a usable remaining point, the point recorded in the server (or database) is adjusted.

When the balanced client point information is transmitted to the interface device (IFD) 140, the interface device (IFD) 140 performs use of the balanced points, and uses the remaining point information after the use of the client card 130. ) It should be mounted as an integrated circuit chip (ICC). In this case, the balanced point details may be output to the client and provided (560).

On the other hand, if the point information mounted in the integrated circuit chip (ICC) and the point information recorded in the server (or database) match (565), the server 100 is a merchant interface device (IFD) 140 to the ICC. In operation 570, the verification information indicating that the point mounted on the integrated circuit chip is valid and usable is transmitted.

The IFD (Interface Device) 140 allows the use of a point mounted on an integrated circuit chip (ICC) in the client card 130, and provides residual point information to the integrated circuit chip (ICC) after use. (575).

When the use of the point mounted on the integrated circuit chip (ICC) in the client card 130 is made through the above process, the IFD (Interface Device) 140 provides the point usage history to a server on the network to update the database. In operation 580, the server 100 updates the point information recorded in the database according to the request of the IFD 140 (585).

At this time, the usage history of the points mounted on the integrated circuit chip (ICC) in the client card 130 includes all of the periodic batch transmission in the form of a transfer or batch to the server (or database) in real time.

When all of the above processes are performed, the merchant IFD 140 outputs the point usage history to the client (590), thereby terminating the point use process according to the present embodiment.

This embodiment is presented to help the understanding of the present invention, it will be noted that the mileage and / or electronic money and / or gift certificates, including the points shown in this figure can also be sufficiently applied to the present invention at the level of those skilled in the art.

FIG. 6 is a simple flowchart illustrating a process of dually mounting a coupon (or a discount ticket) application on an integrated circuit chip (ICC) in a client card 130 and a server (or database) on a network according to the present invention.

The client card 130 is inserted through a card reader connected to the client terminal 135 so that an integrated circuit chip (ICC) in the card makes contact with the reader, and the client terminal 135 receives a coupon (or a discount ticket) through the Internet. When the communication setting is established between the offer server and the client terminal 135 (600), the client terminal 135 uses the coupon (or discount coupon) providing server. The application (or data) corresponding to the (or the discount voucher) is requested (605).

The coupon (or voucher) providing server extracts or generates a coupon (or voucher) application (or data) requested from the client terminal 135 (610), and the coupon (or voucher) application (or data) according to the present invention. ) Is mounted (or recorded) dually in the integrated circuit chip (ICC) of the client card 130 and the database in the server (615).

Use of the coupon (or voucher) after dual loading of the coupon (or voucher) application (or data) requested by the client to the integrated circuit chip (ICC) in the client card 130 and the server (or database) on the network. When the client's coupon use request is received through the possible merchant IFD (Interface Device) 140 (620), the card interface of the merchant IFD (140) is checked.

If the merchant IFD 140 is a terminal having an MS (Magnetic Stripe) interface instead of an ICC interface (625), according to the present invention, the dual-mounted application (or data) may be installed on a network. The coupon (or voucher) application (or data) recorded in is used.

Therefore, the merchant IFD 140 may read card information (credit card number information, etc.) from the magnetic stripe (MS) area of the client card 130 (630), and the card information read to the server. Request an associated coupon (or voucher) application (635).

The server receiving a request for a coupon (or discount voucher) application associated with card information from the merchant IFD (interface device) 140 extracts a coupon (or discount voucher) application (or information) associated with the card information and displays the merchant IFD (interface). Device (140) (640).

Merchant IFD (Interface Device) 140 confirms and executes the coupon (or discount voucher) application sent from the server (or database) and transmits the execution history to the server (645), and later the interface terminal device (merchant IFD or client) When an integrated circuit chip (ICC) in the client card 130 is connected through the terminal 135, etc., the coupon (or discount coupon) application mounted on the integrated circuit chip (ICC) may be updated (eg, deleted). 650).

In addition, the execution history transmission according to the use of the coupon (or discount vouchers), etc., it is specified that both the real-time transmission or periodic transmission of the batch type, etc. are possible.

On the other hand, if the merchant interface device (IFD) 140 is a terminal having an ICC interface rather than an MS interface (655), according to the present invention, the client card 130 of the dual-mounted application (or data) The coupon (or voucher) application (or data) mounted on the integrated circuit chip (ICC) is used.

At this time, the integrated circuit chip (ICC) is a coupon (or discount coupon) storage information dedicated file containing at least one coupon (or discount coupon) storage information (for example, coupon (or discount coupon) storage related information element file (EF)). (DF) and the like).

The merchant interface device (IFD) 140 extracts and executes a coupon (or discount coupon) application (or data) to be used from the integrated circuit chip (ICC) (660), and executes a coupon (discount ticket) application (or data). The execution history is transmitted to the server (or database) (665) to update processing such as deletion of a coupon (or discount coupon) application (or data) recorded in the database in the server (670).

In the present embodiment, a coupon (or a discount ticket) has been described, but it should be noted that various embodiments may be further provided without departing from the spirit of the present invention (for example, hospital prescription, parking ticket, co-purchase information or Information data such as product recommendation information)

7 is a simple flowchart illustrating a process of dually mounting a ticket (or admission ticket) application to an integrated circuit chip (ICC) in a client card 130 and a server (or database) on a network according to the present invention.

The client card 130 is inserted through a card reader connected to the client terminal 135 so that the integrated circuit chip (ICC) in the card makes contact with the reader, and the client terminal 135 receives a ticket (or admission ticket) through the Internet. When the communication is established between the ticket (or admission ticket) providing server and the client terminal 135 (700), the client terminal 135 is used as the ticket (or admission ticket) providing server. The application (or data) corresponding to the ticket (or admission ticket) to be requested is requested (705).

The ticket (or ticket) providing server extracts or generates a ticket (or ticket) application (or data) requested from the client terminal 135 (710), and the ticket (or ticket) application (or data) according to the present invention. ) Is dually mounted (or recorded) on the integrated circuit chip (ICC) of the client card 130 and the database in the server (715).

After the ticket (or ticket) application (or data) requested by the client is dual loaded into the integrated circuit chip (ICC) in the client card 130 and the server (or database) on the network, the use of the ticket (or ticket) is stopped. When a request for using a ticket (or admission ticket) of the client is received through the possible merchant IFD 140, the card interface of the merchant IFD 140 is checked.

If the merchant IFD 140 is a terminal having an MS (Magnetic Stripe) interface instead of an ICC interface (725), according to the present invention, the network among the dual-mounted application (or data) It is preferable that a ticket (or admission ticket) application (or data) recorded on the card is used, and the merchant IFD 140 stores card information (credit card) from an MS (Magnetic Stripe) area of the client card 130. Number information, etc.) is read (730), and the server requests a ticket (or admission ticket) application associated with the read card information (735).

The server (or database) extracts a ticket (or admission ticket) application (or information) associated with the card information and transmits it to the merchant interface device (IFD) 140 (740), and the interface device (IFD) 140 ) Checks and executes the ticket (or ticket) application sent from the server (or database) (745).

If, in executing the ticket (or admission ticket) application, a ticket (or admission ticket) output is required (750), the IFD (Integrated Circuit Chip) outputs a ticket (or admission ticket) to the client and provides the issued details. Is transmitted to a server (or a database) (755), and subsequently, an integrated circuit chip (ICC) in the client card 130 is connected through an interface terminal device (such as an merchant integrated circuit chip (IFD) or a client terminal 135). In operation 760, the ticket (or admission ticket) application mounted on the integrated circuit chip (ICC) is deleted, for example, by deleting the application.

On the other hand, if the merchant IFD 140 is a terminal having an integrated circuit chip (ICC) interface instead of a magnetic stripe (MS) interface (765), according to the present invention, the dual-mounted application ( Or a ticket (or ticket) application (or data) mounted on an integrated circuit chip (ICC) in the client card 130 is used. In this case, the integrated circuit chip (ICC) includes at least one ticket (or admission ticket) storing information so that the application (or data) can be mounted.

The merchant interface device (IFD) 140 extracts and executes a ticket (or admission ticket) application (or data) to be used from an integrated circuit chip (ICC) mounted in the client card 130 (770). (Or admission ticket) output is required (775), and outputs the ticket (or admission ticket) to the client (780).

In addition, the IFD (Interface Device) 140 transmits the ticket (or admission ticket) issuance history to the server (or database) (785), the ticket (or admission ticket) application (or data) recorded in the database in the server An update processing such as deletion of the data is performed (790).

According to the present invention, a client intends to use a client card using an integrated circuit chip (ICC) having an application (or data) storage area and a magnetic card including a magnetic stripe (MS) having a magnetic area in which card information is recorded. By loading (or recording) an application (or data) corresponding to a tangible or intangible product (or service) on at least two storage media (e.g., ICC in a client card, server (database) on the network, etc.),

In using the card, the client is not limited to the merchant terminal interface, and has an advantage of using an application (or data) attached to the card or mounted on the card as an MS (Magnetic Stripe) type or a smart card type.

Credit card companies offer new card services by combining smart cards that are becoming more prevalent and magnetic stripe cards that have many existing infrastructures. There is an advantage that can be activated.

Claims (2)

In a method of operating an application (or data) of a card simultaneously equipped with an integrated circuit chip (ICC) and a magnetic, Storing an application (or data) stored in the ICC on a server in connection with card information recorded in the magnetic; Receiving card information recorded in the magnetic from the card terminal at the server when the card is used through the magnetic rather than the ICC; And identifying an application (or data) connected to card information recorded in the magnetic in a server and transmitting the same to the card terminal. 2. The method of claim 1, wherein the application (or data), A dual application (or data) operating method comprising at least one of a coupon, a discount ticket, an admission ticket, a ticket, a gift certificate, a point, mileage, electronic money, a hospital prescription, a parking ticket.

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