KR101034816B1 - IC Card with Virtual Multi-Cards - Google Patents

Abstract

The present invention relates to a method and system for activating a virtual card and an IC card having a plurality of virtual cards therefor, wherein a plurality of virtual card information having different card functions and / or characteristics and / or uses from a server are stored in the IC card. Each time the IC card is used, the server updates the main merchant use rate and / or the customer royalty information for each of the plurality of virtual cards in the server, and updates the main merchant use rate and / or customer royalty for each virtual card. It is determined whether the information is activated according to a predetermined condition, and generates activation command data according to the determination result, and provides the IC card to the IC card through the terminal to activate the corresponding virtual card information mounted on the IC card.

Revenge, card, add, replace

Description

IC Card with Virtual Multi-Cards

1 is a simplified block diagram of a preferred virtual card activation system according to the present invention.

2 is a simple data structure diagram of a preferred storage medium according to the present invention.

3 is a simplified illustration of a client IC card structure and a virtual card information application (or data) according to a preferred embodiment of the present invention.

4 is a simple flowchart of a preferred embodiment of the present invention.

5 is a diagram of another preferred embodiment according to the present invention.

Figure 6 is a diagram of another preferred embodiment according to the present invention.

<Description of main parts of drawing>

100: server 105: mounting unit                 

110: interface (1) 115: update unit

120: determination unit 125: generation unit

130: providing unit 135: storage medium (or DB)

140: IC card 145: input and output interface

150: processor 155: chip memory

160: terminal or device 165: interface (2)

170: information loading unit 175: function performing unit

According to the present invention, when a client uses an IC card loaded with a plurality of virtual card information, the card information (for example, card function and / or characteristics and / or usage, etc.) used by the client may be used for each card's performance. On the basis of the above, the server provides the activation command data for the virtual card to be activated from the virtual card information mounted on the IC card to the IC card through the terminal to activate the corresponding virtual card information mounted on the IC card. It is about.

With the spread of the card infrastructure, many card companies are developing various card products. Recently, as leisure time such as five-day work week is increased, the client's life, targeting leisure activities, leisure activities, and consumption activities By presenting the card products across, the trend is to provide a wide range of services to subscribers.

For example, if you have signed up for travel-related card products, you can get discounts when purchasing travel products, free travel insurance, currency exchange services, etc. If you have signed up for sports-related card products, discounts on the use of various leisure facilities, etc. To provide services.

However, in order to receive the service or benefit, you must subscribe to the relevant card product, and for other services or benefits, you must cancel the card product from the user's point of view. Or there was an inconvenience to repeat the subscription.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is to use an IC card equipped with a plurality of virtual card information, in order to activate at least one or more virtual card information mounted on the IC card, predetermined activation from a server. It provides a method for receiving and activating command data and activating itself through a processor in the IC card.

According to an aspect of the present invention, there is provided a method of mounting a plurality of virtual card information having different card functions and / or characteristics and / or uses in an IC card in a server, and each time the IC card is used, Updating the usage rate of the affiliated stores and / or the customer royalty information for each of the plurality of virtual cards; and the main usage rate of the affiliated merchants of the IC card and / or the customer royalty information for each of the plurality of virtual cards is based on the IC card. Determining whether any one of the plurality of virtual cards or two or more virtual card functions and / or features and / or uses is met for a function and / or property and / or use, and a predetermined condition is met; As a result of the determination, the usage rate of the main merchant use of the IC card and / or the customer royalty information for each of the plurality of virtual cards are If the case is met, generating the activation command data of the virtual card that satisfies the condition at the server, and providing the activation command data of the generated virtual card at the server to the IC card through a predetermined card terminal. And activating any one or two or more virtual cards of the plurality of virtual cards provided in the IC card according to the virtual card activation command data provided from the card terminal in the IC card.

Preferably, in the step of activating any one or two or more virtual cards of the plurality of virtual cards provided in the IC card in accordance with the virtual card activation command data provided from the card terminal in the IC card, the activated virtual card The function and / or feature and / or use of, is characterized in that it is made in accordance with the change of the customer utilization rate and / or royalty information for a certain period or the virtual card.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. For example, the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It will be obvious to those skilled in the art.

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

1 is a simple configuration of a preferred virtual card activation system according to the present invention.

According to FIG. 1, a virtual card activation system includes a server 100, a client IC card, and an affiliated store terminal or device 160.

More specifically, the server 100 of the virtual card activation system is characterized by consisting of a financial company server or a VAN company server or a mobile communication company server including a card company server or bank server.

Referring to FIG. 1, the server 100 is operated every time the IC card 140 of a client equipped with a plurality of virtual card information applications (or data) according to the present invention is used, and is used for the usage information of the IC card 140. Accordingly, the use rate of the main merchant use rate of the IC card 140 and / or the customer royalty information for each of the plurality of virtual cards are updated.

In addition, the server 100 may be configured that the usage rate of the main merchant use of the IC card 140 and / or the customer royalty information for each of the plurality of virtual cards correspond to the basic functions and / or characteristics and / or uses of the IC card 140. The IC card 140 is determined based on the determined result by determining whether any one of a plurality of virtual cards or two or more virtual card functions and / or characteristics and / or usages are met. When the main use merchant utilization rate and / or customer loyalty information for each of the plurality of virtual cards meets the above conditions, the activation command data of the virtual cards meeting the above conditions are generated and provided to a predetermined card terminal to provide the IC card. It is characterized in that the mounting on 140.

To this end, the server 100 has a predetermined function performing unit 175 and a storage medium 135 to realize the features according to the present invention. Referring to FIG. 1, in order to achieve the present invention, the server 100 includes a plurality of functions such as a mounting unit 105, an update unit 115, a determination unit 120, a generation unit 125, and a provision unit 130. An execution unit 175 and a storage medium 135 in which predetermined information according to the present invention is stored may be provided.

The mounting unit 105 of the server 100 stores a plurality of virtual card information having different functions and / or characteristics and / or uses of a card from a predetermined terminal (eg, a personal computer, a kiosk, an ATM, a merchant terminal, a card issuing terminal, etc.). ) To the client IC card 140.

Preferably, the plurality of virtual card information is an application or data type manufactured based on an integrated circuit chip (ICC) standard including ISO / IEC 7816 and / or ISO / IEC 14443.

For example, the plurality of virtual card information applications (or data) mounted on the client IC card 140 through the mounting unit 105 are related to services that are not identical to each other, and the IC card is activated by activation according to the present invention. Use 140 as a card associated with the service.

In addition, the server 100 may include the client personal information and / or card information and the IC card (or in the process of mounting or before mounting a plurality of virtual card information applications (or data) to the client IC card 140). The storage of the storage medium 135 in association with the plurality of virtual card information to be mounted to 140 will be apparent.

In addition, the plurality of virtual card information loaded into the client IC card 140 may be determined by the selection and / or request and / or input of the client, and / or the server 100 of the client at the time of issuing the corresponding card. It is specified that a plurality of virtual cards to be mounted on each client IC card 140 can be discriminated on the basis of the card usage history (for example, the amount of the card used, the delinquent payment amount, the credit rating, etc.).

The update unit 115 of the server 100 may be configured to use the client IC card 140 equipped with a plurality of virtual card information applications (or data) according to the present invention when used via a predetermined terminal or device 160. Based on the card usage information (eg, payment approval request information, etc.) provided from the terminal or the device 160, the usage rate of the main merchant use of the IC card 140 and / or the customer loyalty information for each of the plurality of virtual cards are updated. do.

For example, when the payment approval request message including the usage information of the IC card 140 is received from the terminal or the device 160 through the interface (1) (110), the IC card ( 140) A plurality of virtual cards stored in association with the client IC card 140 information stored in the storage medium 135 based on the information and / or the merchant information and / or merchant usage history information used the IC card 140, Check the virtual card information data file corresponding to the extracted affiliated store information and / or affiliated store usage information among the information, and the main user affiliated use rate recorded in the confirmed virtual card information data file and / or the customer for each of the plurality of virtual cards. Update royalty information.

For example, the customer utilization rate specifies that the client may be calculated corresponding to the use of the card for a predetermined period of time (e.g., a card payment cycle, or the like) or through real-time accumulation processing.

When the corresponding virtual card information data file is updated through the update unit 115, the determination unit 120 of the server 100 uses the main merchant affiliated use rate of the IC card 140 and / or the customers of the plurality of virtual cards. Loyalty information for adding or replacing any one or two or more virtual card functions and / or features and / or uses of the plurality of virtual cards to the basic functions and / or features and / or uses of the IC card 140. It is determined whether a predetermined condition (eg, activation condition information, etc.) is met.

The activation condition information is mounted on the IC card 140 based on a customer utilization rate and / or a customer royalty of the corresponding virtual card information data file stored in the storage medium 135 in association with the client IC card 140 information. Information to determine whether to activate the corresponding virtual card, which can be set in a variety of ways for those skilled in the art to practice the present invention.

The generation unit 125 of the server 100 may activate the usage rate of the main user affiliated stores of the IC card 140 and / or the customer royalty information for each of the plurality of virtual cards based on the determination result of the determination unit 120. If the condition information is met, the server 100 generates activation command data of the virtual card that meets the condition.

For example, the activation command data generated through the generation unit 125 may be unique identification information of the activation target virtual card and an activation start code (or data) for activation of the corresponding virtual card application mounted on the IC card 140. Can be configured.

The providing unit 130 of the server 100 provides the activation command data generated through the generating unit 125 to the terminal or the device 160 through the interface 1 or 110, thereby providing the terminal or the device 160. ) To the client IC card 140.

According to FIG. 1, the illustrated IC card is one of a plurality of virtual cards included in the IC chip or two or more virtual card functions and / or characteristics according to the virtual card activation command data provided from the server 100, and / or Or activating the use.

In addition, the IC card 140 is provided from the server 100, an IC chip (memory 155) and the IC for storing a plurality of virtual card information different from each other in the card function and / or characteristics and / or uses A processor 150 for driving a virtual card activation application for activating any one or two or more virtual card functions and / or characteristics and / or uses of a plurality of virtual card information stored in the IC chip according to the performance of the card 140. It is characterized by comprising:

In addition, the IC card 140 may be configured to further include an input / output interface 145 for receiving the virtual card activation data transmitted from the server 100 from the terminal or the device 160 when the card is used.

Referring to FIG. 1, when the client IC card 140 is used, the terminal or the device 160 interworks with the IC card 140 and includes the card usage information of the IC card 140 in a payment approval request message. It provides to the server 100, and receives the activation command data for activating a predetermined virtual card information application (or data) mounted on the IC card 140 from the server 100, By transferring to the client IC card 140, a predetermined virtual card information application (or data) in the IC card 140 is activated.

According to a preferred embodiment, the terminal or device 160 may be configured with an interface (2) 165, an information mounting unit 170 and a predetermined function performing unit 175 to implement the feature. .

The interface (2) 165 extracts predetermined card information from the client IC card 140 and transmits the predetermined card information to the interface (1) 110 of the server 100 via a network (for example, a VAN). Obtain the virtual card activation command data from the server 100.

The information mounting unit 170 of the terminal or device 160 mounts the virtual card activation command data received by the interface (2) 165 from the server 100 on the IC card 140, thereby providing the IC card 140. To activate the corresponding virtual card application (or data).

The function performing unit 175 may be linked to the interface (2) 165 and the information mounting unit 170 according to the present invention to perform at least one or more functions and / or tasks, a screen output unit, a key input unit, and a memory. It means the unit and the communication unit.

For example, the controller is a generic term for an operating system and a terminal or device 160 control management program and a terminal or device 160 agent program requiring the terminal or device 160 to perform a predetermined task. Control and manage the overall operation of device 160.

The screen output unit receives at least one or more key data generated from the key input unit and / or various information and signals extracted and / or generated during the control process of the controller, and includes a screen (eg, an LCD ( Liquid Crystal Display)) to output. For example, the screen output unit outputs a series of processes in which the virtual card activation data is transferred from the terminal or the device 160 to the IC card 140 and mounted.

The key input unit includes a plurality of number keys, a character key for inputting characters, and at least one function key, and the operator of the terminal or device 160 (or When the user presses a predetermined key, the corresponding key data is generated and provided to the controller.

The memory unit stores and / or stores a predetermined program code for controlling the overall operation of the terminal or the device 160 and information and / or data input and / or output when an operation by the program code is performed. As a general term for the area, the read-only memory 145 such as ROM (Read Only memory) and the read / write memory such as EEPROM (Electrically Erasable and Programmable Read Only Memory) or FM (Flash Memory) are generally described above. It may be provided in the terminal or the device 160.

In addition, the terminal or device 160 includes at least one personal computer, merchant terminal, KIOSK, ATM, POS terminal.

2 is a simplified data structure diagram of a preferred storage medium 135 in accordance with the present invention.

Referring to FIG. 2, a storage medium 135 according to the present invention includes a plurality of virtual cards (first virtual card to Nth (N = 0, 2, 3, 4,...) Provided in the IC card 140. .N) virtual merchants), the main merchant information, the merchant utilization rate of the IC card 140 for the primary merchants for each of the plurality of virtual cards and / or customer loyalty information for each of the plurality of virtual cards, and the IC card Virtual card information including at least one predetermined activation condition policy information for adding or replacing a function and / or characteristic and / or use of the virtual card (first to Nth virtual cards) to 140 Characterized in that the IC card information and / or customer information is stored in association with.

According to one embodiment shown in Figure 2, the card information data file stores customer personal information and card information that the customer intends to issue or card information in use.

For example, the customer personal information of the card information data file may include a card user name, a unique ID, a social security number, a mobile phone number (phone number), an e-mail, a messenger, and the like. In addition, the card information of the card information data file includes the corresponding card product or service information (virtual card information currently activated in the IC card 140), card number, chip serial number (for chip card), expiration date information, and password. Information, security (secure) payment information, and the like.

The first virtual card information data file includes the first virtual card basic information including the functions and / or characteristics and / or uses of the first virtual card, main merchant information, and the merchant of the customer card corresponding to the primary merchant. At least one utilization rate and / or customer royalty information corresponding to the first virtual card, and predetermined condition policy information for adding or replacing a function and / or characteristic and / or use of the first virtual card to the customer card The first virtual card information including the above is stored.

The Nth virtual card information data file includes the Nth virtual card basic information including the functions and / or characteristics and / or uses of the Nth (N = 0, 2, 3, 4, ... N) virtual card, Information on the use merchants, the rate of use of the merchants of the customer card corresponding to the main merchant and the customer royalty information corresponding to the first virtual card, the function and / or characteristics of the Nth virtual card on the customer card, and And / or stores the N-th virtual card information including at least one of predetermined condition policy information for adding or replacing a use.

Preferably, the first virtual card or the Nth virtual card may be arbitrarily determined according to the number of card goods provided by the server 100.

The virtual card activation information data file may include at least one activated virtual card information, activation command data generation date and time, activation command data provision date and time, and virtual card activation change history information.

Referring to FIG. 2, a card product or a card service of a client is a travel / leisure related card product or a card service, a first virtual card is a traffic service card, a second virtual card is a shopping service card, and a third virtual card. Is set as a sports-related service card.

According to the first virtual card information data file shown in this figure, the customer merchant utilization rate is three times per week, which means that the predetermined conditional policy information for replacing the client card with the first virtual card (shown, use per week) In the case where the number of times is three or more times), the client card is replaced with the first virtual card and used according to the present invention. More specifically, the client may be provided with a service corresponding to the first virtual card (for example, fuel discount service point earning service, repair / maintenance discount service, etc.).

According to the present invention, the storage medium 135 is located in a financial company server or a VAN company server or a mobile communication company server including a card company server or a bank server.

3 is a simplified illustration of the client IC card 140 structure and virtual card information application (or data) according to a preferred embodiment of the present invention.

Referring to FIG. 3, the client IC card 140 is a card manufactured and provided based on an integrated circuit chip (ICC) standard including ISO / IEC 7816 and / or ISO / IEC 14443, and preferably, a client card. Is connected to the terminal or the device 160, the input and output interface 145 for inputting and outputting data inside or outside the IC card 140, and a plurality of virtual provided from the server 100 through the input / output interface 145 At least one virtual data stored in the memory in the card, based on at least one virtual card activation command data for storing a card information application (or data) in the memory in the card and provided from the terminal or the device 160 Execution processor 150 (e.g., Central Process Unit (CPU), Micro Process Unit (MPU), Coprocessor to run card applications (or data) And a memory including an area for storing a plurality of virtual card information applications (or data) provided from the server 100.

In addition, the IC card 140 is characterized in that it comprises at least one credit card, debit card, prepaid card.

Preferably, the IC card 140 according to the present invention is characterized in that the IC card 140 or IC chip mounted or detached from the wireless terminal.

Referring to FIG. 3, the plurality of virtual card information applications (or data) provided from the server 100 and stored in the memory of the IC card 140 may include, for example, virtual card identification information, virtual card contents, and virtual card. It may include an activation code and activation information.

Preferably, the virtual card identification information included in the virtual card information application (or data) is the same as the virtual card identification information included in the predetermined virtual card activation command data generated from the server 100. Therefore, in the process of transmitting the virtual card activation command data to the IC card 140 through a predetermined terminal or device 160, the processor 150 in the IC card 140 is based on the virtual card identification information. The virtual card to be activated is selected from among a plurality of virtual cards mounted in the memory of the card.

Preferably, the virtual card contents included in the virtual card information application (or data) indicate the function and / or use and / or characteristic information of each virtual card.

In addition, the virtual card activation code included in the virtual card information application (or data) corresponds to the virtual card activation start code (or data) included in the virtual card activation command data transmitted from the terminal or the device 160. Virtual Card Activation Instruction set for activating the virtual card according to the access code.

4 is a simple flowchart of a preferred embodiment of the present invention.

According to this figure, the server 100 generates a plurality of virtual card information having different card functions and / or uses and / or characteristics (400), and associates the generated plurality of virtual card information with client IC card information. This embodiment is disclosed by storing the data in the storage medium 135 (405).

When the plurality of virtual card information is stored in the storage medium 135 in association with the client IC card information, the mounting unit 105 of the server 100 stores the plurality of virtual card information in a predetermined terminal (eg, personal computer, kiosk). ATM, merchant terminal, card issuing terminal, etc.) to be mounted on the client IC card (410).

If a client IC card loaded with a plurality of virtual card information is used through a terminal or device 160 such as an affiliate store (415), the terminal or device 160 provides the card usage history to the server 100 (420). ).

For example, the card usage history may include client card information (eg, card number, etc.), merchant usage history information (eg, payment amount information, payment product information, etc.), payment merchant terminal information (eg, terminal ID, etc.), payment merchant, etc. The information may be provided to the server 100 through a payment approval request message including information (eg, affiliate store name, affiliate store unique code, affiliate store business number, etc.).

When the usage history of the client IC card 140 is transmitted from the terminal or the device 160 to the server 100, the updater 115 of the server 100 may generate a client IC based on the received card usage history information. The card information and the affiliated store information are identified (425).

In addition, the update unit 115 checks the virtual card information corresponding to the IC card information and the affiliated store information in the storage medium 135 (430), the customer utilization rate and / or customer royalty information for the confirmed virtual card information Update 435.

According to the usage history of the client's IC card 140, if the customer utilization rate and / or customer royalty information for the virtual card information is updated, the determination unit 120 of the server 100 based on the updated information, It is determined whether the activation condition of the virtual card is met (440).

If it meets the activation condition (450), the generation unit 125 of the server 100 generates the activation command data for activating the virtual card mounted on the client IC card 140 (455), The generated activation command data is provided to the terminal or the device 160 through the network (460).

When activation command data for activating the virtual card mounted on the client IC card 140 is transmitted from the server 100 to the terminal or the device 160, the information mounting unit 170 of the terminal or the device 160 is transmitted. Transfers the received activation command data to the IC card (465).

When the activation command data is transmitted to the IC card 140, the processor 150 of the IC card is activated by driving the activation target virtual card information application based on the virtual card identification information included in the activation command data ( 470, the IC card 140 is applied to the card service according to the activated virtual card (475).

5 is a view of another preferred embodiment according to the present invention.

Referring to the figure, the IC card 140 having a plurality of virtual cards according to the present invention is a plurality of virtual cards (first virtual card to N (N) = 0, 2, 3, 4, ... N) virtual card) information, information on the main merchants for each of the plurality of virtual cards, merchant utilization rates for the primary merchants for the plurality of virtual cards, and / or the virtual Customer loyalty information for each card and conditional policy information for activating the virtual card for each IC card and the card for storing the virtual card, and the usage rate of the main merchants for each virtual card and / or the customer loyalty information for the virtual card Determine whether the main merchant use rate and / or customer royalty information is in accordance with the conditional policy information for activating the virtual card, and according to the determination result, And a processor 150 for driving a virtual card activation application for activating any one or two or more virtual card functions and / or characteristics and / or uses of several virtual card information.

6 is a view of another preferred embodiment according to the present invention.

FIG. 6 is a simple embodiment of a process of implementing the present invention through the IC card 140 described in FIG. 5, and the virtual card activation process according to the present invention is performed by the processor in the IC card 140. 150).

Referring to FIG. 1, when the IC card 140 having a plurality of virtual card information applications (or data) is used through the terminal or the device 160 (1), the terminal or the device 160 is a card company server. A predetermined transaction (e.g., a transaction relating to a card use approval request and a response, etc.) is executed.

According to the present embodiment, the plurality of virtual card information applications (or data) mounted on the IC card 140 may include functions and / or characteristics and / or usage information for each virtual card, main merchant information, and main usage. And at least one or more usage rate and / or customer loyalty information of the customer card corresponding to the affiliated store, and predetermined condition policy information for adding or replacing the functions and / or characteristics and / or usage for each virtual card.

When the card usage history is provided from the terminal or the device 160 to the IC card 140 (2), the processor 150 in the card checks affiliate store information (eg, affiliate code) based on the card usage information. (3) The corresponding virtual card information is retrieved from the memory based on the confirmed merchant information (4).

In addition, the processor 150 updates the customer utilization rate and / or customer royalty information for the retrieved virtual card information (5), and compares the activation condition information of the corresponding virtual card based on the updated information. It is determined whether the activation condition information is met (6), and if the activation condition information is met, the corresponding virtual card information application (or data) loaded in the memory is activated (7).

Preferably, in later use of the IC card 140, a service corresponding to the activated virtual card is applied.

According to the present invention, in using an IC card equipped with a plurality of virtual card information, in order to activate at least one or more virtual card information mounted on the IC card, a predetermined activation command data is received from a server and activated. Or by itself activating through the processor 150 in the IC card,

Clients have the advantage of being able to receive corresponding services according to their card usage patterns. In addition, there is an advantage that does not need to issue a separate card associated with the specific service.

Operators (eg, card companies, etc.) have an advantage that the card utilization can be further improved by allowing the client to provide other services with a card issued for a specific service.

Claims (10)

An IC chip for storing a plurality of virtual card information different from one or more of card functions, characteristics, and uses; And Function or characteristic of any one or more virtual cards among a plurality of virtual card information stored in the IC chip through the activation command data when receiving activation command data generated in response to the main utilization rate or customer royalty information for each virtual card from the terminal Or a processor configured to drive a virtual card activation application for activating a use. delete The method of claim 1, wherein the IC card, An IC card having a plurality of virtual cards, characterized in that it comprises at least one credit card, debit card, or prepaid card. delete delete delete delete delete delete Information on a plurality of virtual cards (first virtual card to Nth (N = 0, 2, 3, 4, ... N) virtual card) different from one or more of card functions, characteristics, and uses; Main merchant information for each of the plurality of virtual cards, Merchant point usage rate or customer loyalty information for each of the virtual cards for the main merchants for each of the plurality of virtual cards, An IC chip for classifying and storing condition policy information for activating the virtual card for each virtual card; And Each time the card is used, the main merchant use rate by the virtual card and the customer loyalty information by the virtual card are updated, and at least one of the main merchant use rate and the customer loyalty information conforms to the conditional policy information for activating the virtual card. And a processor for driving a virtual card activation application for activating a function, characteristic, or use of any one or more of the plurality of virtual card information stored in the IC chip according to the determination result. IC card having a.

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