KR101001864B1 - System for Transferring Application(or Data) - Google Patents

Abstract

The present invention relates to an application (or data) transfer system, comprising: a storage medium for connecting and storing client identification information and the client-owned application (or data) information; and a client-owned application (or data) stored in the storage medium from a terminal. Means for receiving one or more application (or data) download request information and one or more applications (or data) of a client-owned application (or data) stored on the storage medium in response to the received application (or data) download request information. ) Is transmitted to a terminal to which the IC chip held by the client is connected.

Smart card, application (or data), mobile

Description

System for Transferring Application (or Data)

1 is a preferred configuration diagram for an application (or data) transfer system according to the present invention.

2 is a simple flowchart illustrating a process of providing client application (or data) or application (or data) information stored in a server (or storage medium) on a network to an interface terminal device.

3 is a simple flowchart illustrating a process in which an application (or data) transmitted from a server (or storage medium) on a network to an interface terminal device is mounted on an integrated circuit chip (ICC) in a client card.

4 is a flowchart of a simple embodiment of a process of downloading and loading an application (or data) stored on a network into an integrated circuit chip (ICC) in a client card when using a card of a client from a merchant terminal.

Fig. 5 shows a client that has confirmed a change (e.g., MS type to IC type) of a corresponding merchant terminal, accesses a server (or data) on a network, and stores an application (or data) such as a coupon stored on the network in an ICC card. This is a simple flow chart of the process of mounting with Integrated Circuit Chip.

6 is a simple data model for an application storage database in accordance with the present invention.

7 is a simple data model for a merchant information database according to the present invention.

8 is a simple data model for an application mobility information database according to the present invention.

<Description of main parts of drawing>

100: client card 105: interface device

110: server (or storage medium) 115: application moving unit

120: application movement information provider

125: application database

130: application movement information database

135: Merchant Database

140: wireless terminal

The present invention provides a storage medium for connecting and storing client identification information and the client-owned application (or data) information, and a request for downloading one or more applications (or data) from a client-owned application (or data) stored in the storage medium from a terminal. A terminal to which an IC chip having one or more applications (or data) of a client-owned application (or data) stored in the storage medium corresponding to the means for receiving information and the received application (or data) download request information is connected. An application (or data) transfer system comprising a means for transmitting data.

The MS (Magnetic Stripe) card, which has been widely used until recently, generally includes a widely used cash card or credit card, and data unique to the card holder is recorded on the magnetic strip of the MS card. A terminal device such as a credit card inquiry machine reads card information (credit card number information, etc.) in the magnetic area, and is used in conjunction with a server (VAN server, credit card company server, etc.) on a network VAN.

In addition, with the expansion of the use of credit cards and the like, businesses using the credit card numbers and the like are increasing. For example, a coupon and the like associated with the credit card number are stored in a server, and when the card is used, the coupon information and the like are used when the card is used.

However, the MS type card has little information stored above all, and there are very few applications (or data) to be mounted on the card. In addition, if the server storing the corresponding coupon or the like is down or a network failure occurs between the server and the terminal, the client may not use the coupon stored in the server in the terminal.

Recently, as a replacement card for the MS type card, the internal signal is designed to be very difficult to detect an internal signal, and physical / logical lock processing is performed so that the internal structure cannot be reconstructed at the manufacturing stage. Can be stored securely, also non-replicable, secure in offline transactions, and above all have a relatively large storage capacity (8kb ~ 256kb) to store data and programs, and a variety of applications on one card Smart cards that can be installed and used for various purposes are expanding.

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, and in the transitional period when existing MS cards are replaced by smart cards, By mixing the features of the MS card and smart card, an effort to transfer the existing MS card-based services to the smart card-based services is required.

SUMMARY OF THE INVENTION An object of the present invention to solve the above problems is to provide a storage medium for linking and storing client identification information and the client-owned application (or data), and a client-owned application (or data) stored in the storage medium from a terminal. One or more applications (or data) of means for receiving one or more application (or data) download request information and client-owned applications (or data) stored on the storage medium in response to the received application (or data) download request information. To provide an application (or data) transfer system comprising a means for transmitting to the terminal connected to the IC chip held by the client.

An application (or data) transfer system according to the present invention includes a storage medium for connecting and storing client identification information and the client-owned application (or data) information, and a client-owned application (or data) stored in the storage medium from a terminal. One or more applications (or data) of means for receiving one or more application (or data) download request information and client-owned applications (or data) stored on the storage medium in response to the received application (or data) download request information. It characterized in that it comprises a means for transmitting to the terminal connected to the IC chip held by the client.

According to the present invention, the client-owned application (or data) is characterized in that the application (or data) obtained through the use of the client-owned MS card.

According to the present invention, the client-owned application (or data) is characterized in that it comprises one or more coupons, tickets, vouchers, parking tickets, medical prescriptions, miles, points.

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.

According to the present embodiment, an integrated circuit chip including an application (or data) mounting record for mounting at least one or more applications (or data) and a card information record storing card information (eg, credit card number information, etc.) are present. At least one or more applications (or data) and / or applications (or data) acquired by the client via an MS card to a server (or storage medium) on the network having a client card, including An interface terminal device for requesting the download of information and providing the application (or data) and / or application (or data) information transmitted from a server (or a storage medium) to the client according to the request, and the client is an MS. At least one app acquired through the card Information (or data) is stored, and when the interface terminal device is replaced or changed (for example, from MS type to IC type), the stored application (or data) is requested according to the request of the interface terminal device. An application (or data) transfer system consisting of a server (or storage medium) on a network provided to an interface terminal device, and an application (or data) consisting of the client card, interface terminal device and a server (or storage medium) on a network. Through the transfer system, the application (or data) of the client, which is acquired by using an MS card and stored in a server (or a storage medium) on the network, is moved to the ICC in the client card due to a change of an interface terminal device. Application that allows Data) The transfer method uses a terminal terminal device changed from an MS connection interface to an integrated circuit chip (ICC) connection interface to obtain card information (for example, credit card number information) from a card information record of the integrated circuit chip (ICC). Acquiring (a) and transmitting the acquired card information to a server (or a storage medium) on a network, where the client requests confirmation of at least one or more applications (or data) acquired through the MS card (b). (C) providing at least one or more application (or data) and / or application (or data) information obtained through the MS card identified from the server (or storage medium) to the interface terminal device; The application (or data) received from the server (or storage medium) at an interface terminal device. And / or (d) providing details of application (or data) information to the client, and recording the application (or data) from an interface terminal device to an application (or data) loading record of the client card integrated circuit chip (ICC). Data) and / or application (or data) information (e).

In step (c) of providing at least one or more application (or data) and / or application (or data) information obtained through the MS card identified from the server (or storage medium) to the interface terminal device, the application Confirmation of the (or data) and / or application (or data) information includes the step (c-1) of extracting an application (or data) associated with the client card information transmitted from the interface terminal apparatus from a database, and the interface. The method may further include a step (c-2) of checking the application (or data) available in the interface terminal device with reference to the terminal device information (eg, a merchant code).

In addition, the step (d) of providing a description of the application (or data) and / or application (or data) information provided from the server (or storage medium) to the client in the interface terminal device, the application (or data ) And / or record the application (or data) information in the application (or data) mounting record of the integrated circuit chip (ICC) in the client card and / or print it on receipt and / or on the screen It further includes the step of displaying and providing (d-1).

The step (e) of mounting the application (or data) and / or application (or data) information from the interface terminal device to an application (or data) mounting record of the client card integrated circuit chip (ICC) may include the integrated ICC. In the case of storing in an application (or data) mounting record of a circuit chip, an application (or data) mounting record in which an application (or data) provided from a server (or storage medium) on a network is to be stored is stored in the ICC. Confirming from the circuit chip (e-1), storing the application (or data) in the identified application (or data) mounting record (e-2), and the interface terminal device is configured to perform the ICC ( Receiving an application (or data) storage confirmation response from an integrated circuit chip (e-3), and Transmitting an application (or data) storage acknowledgment history to a server (or storage medium) on the network so that the server (or storage medium) on the network updates the database via the application (or data) storage acknowledgment history ( e-4).

According to the present invention, the details of the application (or data) and / or application (or data) information may be associated with the client's card information to the client for various applications (or data) stored in a server (or storage medium) on the network. Characterized in that it includes the download information for providing to the integrated circuit chip (ICC).

In general, the use of applications (or data) such as coupons, points, tickets, etc. depends on interface terminals such as merchants. For example, when the interface terminal device supports an MS (Magnetic Stripe) type card, the storage location of the application (or data) is a server (or storage medium) on the network, and the interface terminal device is an ICC. In the case of supporting an integrated circuit chip type card, the storage location of the application (or data) becomes an integrated circuit chip (ICC) in the card.

Therefore, if an interface terminal device such as an affiliated store that supported an MS (Magnetic Stripe) type card is changed or upgraded to an ICC type interface terminal device, the client cannot use the application (or data) stored on the network. In order to download and use the application (or data) with an integrated circuit chip (ICC) in a card, the download information includes list information of a corresponding application (or data) to be mounted on an integrated circuit chip (ICC). By being presented to a client, it helps the client download an application (or data).

In addition, according to the present invention, at least one or more applications (or data) stored in a storage medium (server, etc.) on a network are stored in association with client card information (eg, credit card number information, chip serial number information, etc.). It features.

In addition, according to the present invention, the application (or data) obtained through the MS card of the client and stored in a server (or a storage medium) on the network is the client at the time of using the integrated circuit chip (ICC) in the card for the first time. The integrated circuit chip (ICC) may be downloaded and mounted, and the application (or data) downloaded and mounted to the integrated circuit chip (ICC) may be applied to a smart card standard such as ISO / IEC 7816 and / or ISO / IEC 14443. At least one defined file specification (eg, a dedicated file (DF) or element file (EF)) and / or information contained in the integrated circuit chip (ICC) (eg, data or program code) In the form of an integrated circuit chip (ICC), for example, EEPROM (Electrically Erasable and Programmable Read Only Memory), FM (Flash Memory), etc. This is appropriate at the level of ordinary skill in the art.

In addition, according to the present invention, a client card includes a card (eg, smart card, etc.) including an integrated circuit chip (ICC) having an application (or data) storage record, or the integrated circuit chip (ICC) and card information (eg, , Credit card number information, etc.) including all of the cards (for example, a mixed card, etc.) simultaneously equipped with an MS (Magnetic Stripe) recorded.

1 is a preferred schematic diagram of an application (or data) transfer system according to the present invention.

The figure consists of a client card 100, an interface terminal 105 and a server (or storage medium) 110 on a network, the interface terminal 105 being a network (e.g., a VAN and / or the Internet). Is connected to the server (or storage medium) 110 on the network through the client card 100 is the data transmission and reception with the server (or storage medium) 110 through the interface terminal device 105 It is characterized by.

Client card 100 is an application (or data) mounted record for mounting at least one or more applications (or data) obtained by using the MS card in accordance with the present invention and stored in the server (or storage medium) 110 on the network and And an integrated circuit chip (ICC) in which a card information record in which card information (eg, credit card number information) is stored is present. Magnetic Stripe) can be further included.

The application (or data) mounting record may include at least one memory device (eg, EEPROM and / or FM) among memory elements of an integrated circuit chip (ICC) having a series of hierarchical structures as proposed in the integrated circuit chip (ICC) standard. (Flash Memory)).

For example, according to a general integrated circuit chip (ICC) standard, a file structure in a card in which the application (or data) mounting information and card information record information is stored is based on ISO / IEC 7816 and / or ISO / IEC 14443. A master file (MF) corresponding to a root file, at least one dedicated file (DF) classified according to a smart card service and an application (for example, an application loading dedicated file, Card information dedicated file, etc.), and an element file (EF) (e.g., a coupon-mounted element file, a credit card number information element file, etc.) that stores data and / or information for a smart card service. .

According to the present invention, the interface terminal device 105 is characterized by having an integrated circuit chip (ICC) reader supporting an IC type card due to the operation of changing or replacing the card interface, and in the case of online This means a personal computer capable of data communication with the server (or storage medium) 110 on the network, etc., and in the case of offline, it refers to an affiliated store terminal (eg, CAT or POS) located in the affiliated store.

In addition, the interface terminal 105 is preferably configured to satisfy the standard of the card terminal device defined in at least one or more smart card standards, such as ISO / IEC 7816 and / or ISO / IEC 14443, according to the present invention It transmits the information (data) in the card 100 to the server (or storage medium) 110 via a network.

In addition, the interface terminal device 105 is equipped with a predetermined application program for achieving the function, the application program is a series of data that the interface terminal device 105 performs with the client card 100 and the server on the network Perform the process. The application program executed in the interface terminal device 105 is a program for reading at least one or more applications (or data) mounted on an integrated circuit chip (ICC) in the client card 100, and the card ICC of the client Wait for connection with Integrated Circuit Chip).

In addition, the interface terminal 105 may display or output an application (or data) and / or application (or data) information provided based on client card information and merchant information from a server (or storage medium) 110 on a network. It includes a function, a mounting function.

According to the present invention, the server (or storage medium) 110 on the network confirms the client card information transmitted from the interface terminal device 105, and stores the application (or data) obtained by the client through the MS card And providing the application (or data) and / or application (or data) information to the interface terminal device 105 with reference to the card information, thereby providing an application (or data) on the network with a merchant interface. Helps to mount on the ICC in the client card 100 in accordance with the change or replacement of the terminal device (105).

In addition, the server (or storage medium) 110 on the network may exist in a wide variety of forms according to the implementation method of those skilled in the art to implement the present invention. For example, in the case of offline, the server (or storage medium) 110 on the network may be mounted in a storage area (module) inside the merchant terminal or may be a server (or storage medium) 110 locally connected to the merchant terminal. Or, it may be built in a value added network (VAN) provider or as a separate server (or storage medium) 110 in the VAN. It can also be built in conjunction with any card company.

According to the present invention, the server (or storage medium) 110 on the network is characterized in that it comprises an application moving unit, application movement information providing unit and application database, application movement information database, merchant database.

The application moving unit of the server (or storage medium) 110 on the network according to the present invention, the application (or data) obtained and stored due to the use of the client MS card or the device change of the application (or data) using merchants or In response to a replacement (from an MS type terminal to an IC type terminal) or the like, the client card 100 is transferred to the merchant interface terminal device 105 so as to mount an application (or data) in the integrated circuit chip (ICC) of the client card 100. Help download to record.

For example, when a coupon is stored in a server (or storage medium) 110 on a network in accordance with a client's credit card number, and the merchant interface terminal 105 of the coupon is changed from an existing MS type to an IC type. The client connects the integrated terminal chip (ICC) on which the card information (credit card number information, etc.) record is mounted to the interface terminal device 105, whereby the credit card number information recorded in the card information record is connected to the interface terminal device. It is delivered to the application moving unit 115 of the server through the 105, the application moving unit 115 is associated with the credit card number information, search for a coupon (or coupon information) that can be used in the merchant Extract and transfer the extracted coupon (or coupon information) to the affiliate interface terminal 105, the car of the client ICC (Integrated Circuit Chip) within the application (or data) to be downloaded to the record with.

In addition, the application moving unit 115 transmits a download completion confirmation message notifying that the download is completed from the interface terminal device 105 to the application (or data) mounting record in the ICC (Integrated Circuit Chip) of the client card 100. When the coupon is stored in the database, the coupon (or coupon information) is deleted, and the download history of the coupon is recorded, thereby moving the coupon (or coupon information) existing on the network to the client card 100.

The application mobility information providing unit 120 stores an application (or data) stored on the network for use in the affiliated store due to a terminal replacement, change, or upgrade (eg, upgrade from MS type to IC type) of the corresponding affiliated store. When a series of operations (e.g., access and download, etc.) are required for moving the data to an integrated circuit chip (ICC) of the client card 100, the terminal of the affiliated store where the application (or data) stored by the client is to be used. By providing the history information such as replacement or change, the application (or data) history to be downloaded, the download access code, etc. with reference to the client personal information (email, wireless communication message (SMS, etc.), etc.), the corresponding application of the client Notify before use (or data).

In addition, the download access code may be more conveniently used by the client to download the application (or data), the corresponding website (application (or data) download site (site associated with a server (or storage medium) on the network), etc.), etc.) URL, Internet address, etc.

The application database 125 stores card information and information on an application (or data) matching the card information (eg, credit card number information, chip serial number information, and the like).

The application movement information database 130 stores card information (such as a credit card number), an application (or data), and an application movement history.

The merchant database 135 stores merchant code, terminal information, and information on an application (or data) available at the merchant.

2 is a simple flowchart illustrating a process of providing client interface (or data) or application (or data) information stored in a server (or storage medium) 110 on a network to the interface terminal 105.

According to the present invention, the application (or data) of the client stored on the network due to the change or upgrade of the merchant interface terminal device 105 to use the application (or data), the application on the network (Or data) in downloading to the integrated circuit chip (ICC) in the client card 100, the application associated with the card information (credit card number information, chip serial number information, etc.) of the client to the client card 100 In order to be mounted on an integrated circuit chip (ICC), a simple flow chart of a process provided to the merchant interface terminal device 105 is provided.

The figure preferably starts after at least one or more applications (or data) acquired by the client's use of the MS card are already stored in a server (or storage medium) 110 on the network (200), in accordance with the present invention. Due to a change or upgrade of the interface terminal device 105 such as an affiliated store (for example, a change or upgrade of the MS type interface terminal device 105 to an integrated circuit chip (ICC) type interface terminal device 105). The application (or data) on the network is characterized in that the case that needs to be moved to the integrated circuit chip (ICC) in the client card (100).

The server (or storage medium) 110 on the network confirms from the interface terminal 105 (or a merchant server, etc.) a request for movement of an application (or data) that has been stored due to the use of an MS card on an existing network. When there is no need to request the movement of the application (or data) (205), for example, when there is no change or upgrade of the merchant interface terminal 105, the card information (credit card) of the client on the network according to the present invention. In order to mount the application associated with the number information or the chip serial number information, etc. on the integrated circuit chip (ICC) of the client card 100, the process of providing the affiliated interface terminal device 105 is terminated. Type of card to use applications (or data) on the network)

On the other hand, if it is necessary to move an existing application (or data) to an integrated circuit chip (ICC) through a change or upgrade of the interface terminal device 105 (210), the server (or storage medium) on the network 110 waits for reception of card information (such as credit card number information or chip serial number information) matched with the requested application (or data) for movement of the corresponding application (or data) (215).

When a client who visits a merchant (interface terminal device) or the like requests a use of an integrated circuit chip (ICC) card (220), the interface terminal device 105 receives card information from an integrated circuit chip (ICC) in the card. (Credit card number information or chip serial number information, etc.) are obtained (225).

The interface terminal 105 transmits the client card information obtained from the integrated circuit chip (ICC) to the server (or storage medium) 110 on the network (230), and the application (or matched with the card information). Request the existence of data).

The application moving unit 115 of the server (or storage medium) 110 on the network may refer to the application database 125 for an application (or data) matching the card information transmitted from the interface terminal device 105. Search and extract (235).

If there is no application (or data) matching the client card information (240), the mobile loading process of the application according to the figure ends. On the other hand, if there is an application (or data) that matches the client card information (245), the application moving unit 115 refers to the merchant information database to determine whether the extracted application (or data) is available at the merchant. Check (250).

If the extracted application (or data) is not an application (or data) available at the affiliate store with reference to the affiliate store information (255), for example, an application (or data) for another affiliate store, the server (or Storage medium) 110 repeats the process of waiting for the reception of the card information until the client card 100 is used in the appropriate merchant to move the application.

On the other hand, if the extracted application (or data) is an application (or data) available to the merchant that transmitted the card information (260), the application moving unit 115 of the server (or storage medium) 110 The verified application (or data) or application (or data) information is provided to the affiliated store interface terminal 105 (265).

The interface terminal device 105 provides the client with details of the application (or data) or application (or data) information provided from the application moving unit 115 (270).

Providing details of the application (or data) or application (or data) information is recorded in an application (or data) mounting record of an integrated circuit chip (ICC) in the client card 100 and / or a receipt (or sales slip) ) And / or display on the screen.

In addition, according to the present invention, due to a change, replacement, or upgrade of a terminal of a corresponding affiliate store (for example, from an MS type terminal to an IC type terminal), an application (or data) stored in accordance with client card information on a network is stored. In the case where the card is to be used and used, details of the application (or data) or application (or data) information may be provided with reference to corresponding client personal information (eg, an e-mail, a mobile phone number, etc.).

In addition, in the above case, in providing the details of the application (or data) or the application (or data) information of the merchant to be loaded into the client card 100, the access code to the server (or storage medium) 110 By providing (eg, URL information, etc.), the client can more easily mount the application (or data) to its own integrated circuit chip (ICC).

3 is a simple flowchart illustrating a process in which an application (or data) transmitted from a server (or storage medium) 110 on a network to the interface terminal 105 is mounted on an integrated circuit chip (ICC) in the client card 100. to be.

In FIG. 2, after the application (or data) or application (or data) information mounted on the server (or storage medium) 110 on the network is transmitted to the interface terminal device 105 of the corresponding store through the process of FIG. 2. In accordance with the request of the client, a simple flow chart of the process of mounting the application mounting record of the integrated circuit chip (ICC) in the client card 100.

When the interface terminal 105 receives the application (or data) or application (or data) information stored on the network from the application moving unit 115 on the network (see Fig. 2) (300), the interface device 105 confirms the download mount request of the application (or data) from the client (305).

The download mount is stored in an application (or data) mounting record of an integrated circuit chip (ICC) in the client card 100, and the integrated circuit chip (ICC) records a record capable of mounting at least one application (or data). It is included.

Upon confirming the download mounting request from the client to the integrated circuit chip (ICC) in the card, the interface terminal 105 records the application (or data) mounting record of the integrated circuit chip (ICC) in the card on which the application (or data) is to be mounted. Verify (310) and mount the application (or data) to the identified application (or data) mount record (315).

In addition, the interface terminal device 105 checks the completion of the mounting, if a physical abnormality (connection error, etc.) occurs during the download mounting process to the integrated circuit chip (ICC) in the client card 100 (320), If there is no mounting completion response from the integrated circuit chip (ICC), the download mounting process according to this drawing is terminated.

On the other hand, the download and mounting of the application (or data) to the integrated circuit chip (ICC) in the client card 100 is completed (325), the response to the completion of the application (or data) mounting from the integrated circuit chip (ICC) Upon receiving the message (330), the interface terminal device 105 transmits the received application (or data) loading completion response message details to the server (or storage medium) 110 on the network (335).

The server (or storage medium) 110 on the network which has confirmed the loading completion response details of the application (or data) from the interface terminal device 105 updates the database by referring to the confirmed response details (345). ).

According to the present invention, the update process of the database, when it is confirmed that the application (or data) of the client, which is stored on the network is moved to the integrated circuit chip (ICC) in the card of the client and mounted, It refers to recording the movement history of an application (or data) stored on the screen.

Hereinafter, the examples are intended to help the understanding of the present invention, and it is noted that changes, additions, modifications, and the like can be made by those skilled in the art without departing from the spirit of the present invention.

In an embodiment to be described later, at a time when a client uses an application (or data) (eg, a coupon, etc.) stored on a network through an interface terminal device 105 such as a merchant terminal, the use time is defined as that of the merchant terminal. After the change or upgrade, the application (or data) stored in association with the client card information on the network from the server (or storage medium) 110 on the network connected to the merchant terminal ICC of the client card 100 The present invention relates to a case in which an integrated circuit chip is mounted.

However, as noted above, the location of the server (or storage medium) 110 on the network may vary at the level of those skilled in the art of practicing the invention. For example, a merchant server locally connected to the merchant terminal may be a server (or storage medium) 110 on the network, and a value added network (VAN) company server may be configured as the server (or storage medium) 110. Can be. In addition, the server (or storage medium) 110 on the network in conjunction with the credit card company server reveals that it can be located.

4 is a flowchart of a simple embodiment of a process of downloading and loading an application (or data) stored on a network into an integrated circuit chip (ICC) in a client card 100 when using a card of a client from a merchant terminal.

This embodiment is started 400 when a client stores an application (or data) such as a coupon matched with his credit card number information in a server (or storage medium) 110 on the network (400).

Use of an application (or data) such as the coupon When a merchant terminal is changed or upgraded and replaced from an MS (Magnetic Stripe) type terminal to an IC type terminal (405), a client visits the merchant and the coupon on the network. A request for the use of a card (eg, a mixed card equipped with an MS and an IC) including credit card number information matched with an application (or data) such as 410 is made.

In addition, although not shown in the drawing, at the time when a merchant terminal using an application (or data) such as the coupon is changed or upgraded and replaced from an MS (Magnetic Stripe) type terminal to an IC type terminal, the server on the network (Or the storage medium) 110 may provide a notification of a request for loading and loading an application (or data) according to the replacement of the terminal with reference to the client's personal information (eg, e-mail, mobile phone number, etc.). Please specify.

In response to the card use request of the client, the affiliated store terminal (IC type) extracts credit card number information from an integrated circuit chip (ICC) in the client card 100 (415), and asks for a coupon use request from the client. Check it.

If the client confirms the use request of the coupon stored on the network (420), the merchant terminal transmits the extracted credit card number information to the server (or storage medium) 110 on the network (425), The server (or storage medium) 110 on the network checks the coupon, etc. that is stored and matched with the client credit card number information transmitted from the merchant terminal (430).

On the other hand, if there is no request to use the coupon from the client (435), or if there is no coupon matching the client credit card number information in the server (or storage medium) 110 on the network, this embodiment is a general credit card Proceeding based on the process (440).

If the server (or storage medium) 110 on the network, if there is a coupon associated with the client credit card number information transmitted from the merchant terminal (445), the server (or storage medium) 110 is confirmed The coupon or coupon information is provided to the affiliated store terminal (450).

 The merchant terminal receives the coupon or coupon information associated with the client credit card number information provided from the server (or storage medium) 110 on the network, and the merchant terminal receives a coupon corresponding to the tangible or intangible goods to be purchased by the client Check and apply the corresponding coupon (455), and check whether there is a residual coupon except the applied coupon.

If the coupon or coupon information transmitted from the server (or storage medium) 110 on the network to the merchant terminal is applied and there are no remaining coupons other than the applied coupon (460), the merchant terminal is a server (or Storage medium) 110 to provide a use coupon history, the server (or storage medium) 110 by deleting the used coupon (465), the application (or data, such as coupons on the network according to the embodiment) The integrated circuit chip mounting process in the client card 100 of FIG.

On the other hand, if there is a residual coupon other than the applied coupon (470), the merchant terminal provides the residual coupon or coupon information to the client, and confirms whether the residual coupon is mounted on the integrated circuit chip (ICC) in the card ( 475).

If the client does not request loading of the remaining coupon into the integrated circuit chip (ICC), the merchant terminal provides the use coupon details to a server (or storage medium) 110 on the network, and the server (or storage). Medium) 110 deletes the used coupon application (or data) (465).

On the other hand, if there is a request for loading the remaining coupon from the client (480), the merchant terminal checks the coupon loading record of the integrated circuit chip (ICC) in the client card 100, the residual coupon application (or data) In step 485, the remaining details of the remaining coupons are transmitted to the server (or storage medium) 110 on the network and notified 490.

The server (or storage medium) 110 on the network checks the coupon loading history transmitted from the merchant terminal and deletes the corresponding coupon (s) (495), the client card 100 of the coupon application (or data) on the network The mounting process into the integrated circuit chip (ICC) is terminated.

According to the embodiment described below, the terminal of the affiliated store to use the corresponding application (or data) is confirmed through the interface terminal device 105, for example, changed or upgraded to an IC type terminal, and the client checks the interface terminal device ( 105) (e.g., a client personal computer, etc.) to connect to the server (or storage medium) 110 on the network, the application (or data) stored on the network according to the changed terminal (MS type to IC type) It is to be downloaded and mounted as an integrated circuit chip (ICC) in the client card 100.

5 shows an application (or data) of a coupon or the like stored on the network by a client accessing a server (or storage medium) 110 on the network after confirming the change (eg, MS type to IC type) of the corresponding affiliated terminal. Is a simple flow diagram of the process of mounting the IC as an integrated circuit chip (ICC) in a card.

In the figure, when an application (or data) such as a coupon associated with the client credit card number information is stored on a network, and a merchant using the application (or data) such as the coupon is changed due to a terminal upgrade or the like ( For example, from MS type to IC type), an ICC (Integrated) in the client card 100 can be used by the client so that the client can use an application (or data) such as a coupon stored on the network from the interface terminal 105. A simple implementation of the process of mounting the application (or data) on an integrated circuit chip (ICC) in a card of the user by being informed to mount a circuit chip, and connecting the server (or storage medium) 110 on a network. Example flow chart.

* This embodiment is initiated 500 after a client has stored an application (or data), such as a coupon, matching its credit card number information on a server (or storage medium) 110 on the network.

A corresponding merchant terminal used for an application (or data) such as the coupon is changed or upgraded and replaced with an MS terminal of a magnetic stripe (MS) type (505), and the client visits the affiliated store and visits the network. When using a card including credit card number information matched with an application (or data) such as a coupon on the card (eg, a mixed card equipped with MS and IC) (510), the merchant terminal (IC type) is connected to the client. Credit card number information is extracted from the integrated circuit chip (ICC) in the card 100 (515).

In addition, as shown in FIG. 4, although not shown in the exemplary embodiment of the present invention, the merchant terminal using the application (or data) such as the coupon is changed or upgraded, so that the MS (Magnetic Stripe) type terminal of the IC type is used. At the time of replacing the terminal, the server (or storage medium) 110 on the network notifies the client of the personal information (eg, e-mail, mobile phone, etc.) of the request for downloading and loading the application (or data) according to the terminal replacement. Number, etc.) can be provided.

The merchant terminal transmits the extracted credit card number information to the server (or storage medium) 110 on the network (520), the server (or storage medium) 110 on the network is transmitted from the merchant terminal The client checks whether there is an application (or data) to be downloaded and mounted to the integrated circuit chip (ICC) in the card by referring to the credit card number (525).

If there is no application (or data) to be downloaded and mounted by the client in the server (or storage medium) 110 on the network (530), according to the present embodiment, the client is a server (or storage medium) on the network. The process of downloading and mounting the corresponding application (or data) from the card 110 to the integrated circuit chip (ICC) in the card is completed.

On the other hand, if there is an application (or data) to be downloaded and mounted by the client in the server (or storage medium) 110 on the network (535), the server (or storage medium) 110 is the client down The application (or data) download information to be received and mounted is provided to the merchant terminal (540), and the merchant terminal provides the application (or data) download information to the client (545).

The application (or data) download information includes information such as a list of various applications (or data) such as coupons and discount coupons available to the affiliated store, and the terminal screen output, print and / or the client card 100 to the client. ) It can be provided by mounting as an integrated circuit chip (ICC).

When the application (or data) download information is loaded into an integrated circuit chip (ICC) in the client card 100, the application (or data) information may be stored in the server (or storage medium) 110 on the network. By further including an access code (for example, a URL, etc.) to connect to, the client can more easily connect to the server (or storage medium) 110 on the network to download the application (or data). Help

When the application (or data) information is provided from the affiliated store terminal, the client accesses the server (or storage medium) 110 on the network with reference to the application (or data) information (550).

The server (or storage medium) 110 confirming the client's connection performs the client authentication (authentication and / or login authentication using an IC card), and when the client authentication is completed (555), the client downloads the card. The server (or storage medium) 110 requests an application (or data) to be mounted on an integrated circuit chip (ICC) (560).

The server (or storage medium) 110 that receives a download request of an application (or data) from the client performs validation of the client card 100 to which the application (or data) is downloaded and mounted.

The validity authentication for the client card 100 confirms whether a storage area in which the application (or data) is mounted in the client card 100 exists or can be mounted in the storage area (eg, over capacity). It is.

If the validity authentication of the client card 100 is confirmed (565), the server (or storage medium) 110 on the network is the personal information (card information, login information, etc.) or application download information of the client, etc. In operation 570, the application (or data) to be downloaded to the client card 100 is identified, and the requested application (or data) is mounted in an application mounting record of an integrated circuit chip (ICC) in the card (570). The server (or storage medium) 110 on the network receives a response to the completion of the mounting from the integrated circuit chip (ICC) in the card and deletes the downloaded application (or data) on the network (575). ).

6 is a simple data model for an application storage database 125 in accordance with the present invention.

This figure is a simple data model for an application (or data) storage database 125 mounted on a server (or storage medium) 110 on a network, where the application (or data) storage database 125 is a client of the client. And card information and information on an application (or data) matching the card information (eg, credit card number information, chip serial number information, etc.).

For example, the application (or data) storage database 125 generally receives card information (eg, credit card number information, etc.) of the client to the server (or storage medium) 110 via an MS type terminal. When provided, the application provides a basis for searching for an application (or data) such as a coupon associated with the card information. When mounted with an integrated circuit chip (ICC) in 100, the mounted application (or data) is deleted from the application (or data) storage database 125.

7 is a simple data model for a merchant information database 135 in accordance with the present invention.

This figure resides in a server (or storage medium) 110 on a network and, in accordance with the present invention, a simple data for a merchant information database 135 that contains merchant information for the client to use the card via the IC interface. It is a model.

Merchant information database 135 is configured to include the code information, the terminal type information of the location and the application (or data) information available in the merchant.

The affiliated store information database 135 is, for example, when a client receiving an application (or data) of the MS type uses an IC type card at the affiliated store after the terminal of the affiliated store is changed from an MS type to an IC type. The server (or storage medium) 110 on the network that receives the client card information and the merchant information (or terminal information) transmitted from the merchant terminal refers to the available application (or data) information of the merchant information database 135. By working with the application (or data) storage database 125 described above, the client can search for and extract the appropriate application (or data) to download.

8 is a simple data model for the application mobility information database 130 according to the present invention.

This figure is located in a server (or storage medium) 110 on the network, the client card (or data) stored on the network according to the invention due to the terminal change of the use merchant, etc., the client card (100) ) Is a simple data model for a database that stores the movement (mounting) history of the server (or storage medium) 110 from the server (or storage medium) 110 on the network when mounted as an integrated circuit chip (ICC). .

According to the figure, the application mobility information database 130 is a specific application for the various applications (or data) that the client is stored on the network from the server to the integrated circuit chip (ICC) in the client card 100 Characterized in that the application (or data) transfer history information including the moved and mounted details.

Therefore, when the transfer of the application (or data) occurs, the application movement information database 130 stores the transfer history of the application (or data), and thus is recorded in the application (or data) storage database 125. It provides a basis for deleting the application (or data).

According to the present invention, a client application (or data) stored on the network is stored on the network through the MS card of the client when a change or replacement of a terminal such as an affiliated store where the application (or data) is used occurs. An application (or data) transfer method using a smart card to move (mount) an existing application (or data) to an integrated circuit chip (ICC) in a card of the client to enable an application (or data) through the card. And by providing a system,

Clients have the advantage that they can download and use applications (or data) on the network as an integrated circuit chip (ICC) in their card, even when changing or replacing terminals of the affiliated store.

In addition, in the situation where the MS type card (or terminal) is being changed to an IC type card (or terminal), various applications (or data) that have been provided based on the existing MS can be provided to the client even if the terminal is changed. There is an advantage.

Claims (3)

A storage medium that connects and stores client identification information and the client-owned application (or data) information; Means for receiving application (or data) download request information of any one or more of client-owned applications (or data) stored in the storage medium from the terminal; And Means for transmitting one or more applications (or data) of the client-owned application (or data) stored in the storage medium to a terminal connected to the IC chip held by the client in response to the received application (or data) download request information. Application (or data) transfer system comprising a. delete delete

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