KR101213135B1 - System of issuing nfc one time credit card and method thereof - Google Patents

Abstract

PURPOSE: A disposable near field communication(NFC) payment card issuing system and a method thereof are provided to add a limitation in a use range of a card when an owner of a credit card lends a credit card, thereby inducing card use suitable for lending purpose. CONSTITUTION: An issuing terminal includes the following. A card information unit(230) stores card information. A personal information unit(240) stores personal information of an owner of a payment card. A card issue controlling unit(210) sets up a limitation which is such as a card expiration period or a payment amount limit of the card information. A terminal communicating unit(260) requests issue approval of a disposable NFC card to an approval server and receives card issue approval information. [Reference numerals] (210) Card issue controlling unit; (220) Card issue information storage unit; (230) Card information unit; (240) Personal information unit; (250) Local area communicating unit; (260) Terminal communicating unit

Description

Disposable NFC payment card issuing system and method thereof {System of issuing NFC one time credit card and method

The present invention relates to a disposable NFC payment card issuing system and a method thereof, and more particularly to a system and method for issuing a disposable NFC payment card by recording card information with restrictions on a dummy card without credit information. will be.

In modern payment methods, it is common to conduct financial transactions by authentication through a credit card issued by a credit card company, a financial transaction terminal provided at a financial transaction affiliate, and an authentication server.

When the payment request is made, the user approves the use of an input device that can input the signature of the payer on the pad attached to the payment terminal.

Since the prior art has a series of processes in which a financial transaction is made through a payment terminal, the financial settlement is approved only by the signature of the payer, and thus there is a disadvantage in that even if a stolen credit card is used, this cannot be prevented.

In addition, if the user of the payment card is different from the user, the user cannot recognize whether the user uses the credit card according to the user's purpose of use, and if the payment is made different from the owner's intention, a refund procedure and a cancellation procedure must be taken. There was discomfort.

There is a need to develop a technology that complements the difficulty of preventing theft as described above and the difficulty of managing financial settlements by other users other than the holder in accordance with the intention of the holder.

The present invention, in order to solve the conventional problems, by recording the card information restrictions, such as the limit amount, expiration date, the number of payments that can be used for the NFC dummy card that does not have credit information embedded, can limit the range of use The purpose is to configure a system and method for issuing a payment card.

Other objects of the present invention will be readily understood through the following description of the embodiments.

The NFC payment card issuing system according to the present invention includes a dummy card for storing card information and card issuance approval information and requesting payment through NFC (Near Field Communication) communication method; NFC terminal for generating a disposable NFC card by recording the card information and card issuance approval information in the dummy card by the NFC communication method; And approval server for transmitting the card issuance approval information to the NFC terminal by the issuance request of the disposable NFC card; It may include.

In the present invention, the issuance request of the disposable NFC card is delivered with the card information, the card information to be delivered includes at least one or more card information of the payment limit amount or information on the card validity period, the payment limit amount Or it may be characterized by including the restriction information set the effective range for the card validity period.

The dummy card in the present invention, the applet information storage unit for storing the disposable payment card applet; A card information storage unit for storing card information recorded by the NFC terminal; Authorization information storage unit for storing the card issuance approval information recorded by the NFC terminal; And a card antenna unit; It may include.

In the present invention, the dummy card may include: a fountain information storage unit storing fountain information for authenticating a recording authority of the disposable payment card applet in the applet information storage unit; As shown in FIG.

In the present invention, the disposable payment card applet stored in the applet information storage unit may be recorded through the NFC terminal.

In the present invention, the NFC terminal, the card issuing control unit for setting the effective range of the stored card information; Card issuing information storage unit for storing the issuance history of the disposable NFC card; A card information unit for storing card information; A personal information unit that stores personal information of the owner of the payment card; A short-range communication unit for transmitting and receiving card information with the dummy card in an NFC communication method; And terminal communication unit for transmitting and receiving the card issuance approval information with the approval server; It may include.

In the present invention, the authorization server, the card issuing service subscription unit for registering the user's personal information and card information, and issues a UID (unique identification); A card issuing approval unit which checks the personal information and the card information registered in the card issuing service subscription unit and sends the card issuance approval information to the NFC terminal according to the one-time NFC card issuing request; An applet issuing unit for storing disposable payment card applet information and fountain information; And a payment approval unit for determining whether to approve payment by comparing the card information and the card issuance approval information recorded on the disposable NFC payment card with the information registered in the card issuing service subscription unit according to the payment request. It may include.

Disposable NFC payment card issuing method according to the present invention comprises the steps of forming a RW (read / write) session between the dummy card and the NFC terminal; Confirming that the disposable payment card applet information exists in the dummy card; Requesting disposable payment card applet information from an applet management server; Transmitting the access path of the applet issuing server to the NFC terminal; Requesting issuance of disposable card applet information and fountain information to the applet issuing server through the connection path; Transmitting the disposable card applet information and the fountain information to the NFC terminal; Checking whether the dummy information of the dummy card and the NFC terminal match; And recording disposable card applet information on the dummy card. It may include.

Disposable NFC payment card issuing method according to the present invention comprises the steps of driving a single-use card issuing application in the NFC terminal; Inputting restrictions of card information into the application; Requesting approval for issuance of a disposable card to the approval server; Transmitting card issuance approval information to the NFC terminal; Forming a read / write session between the dummy card and the NFC terminal; And generating a disposable NFC card by transmitting card information and authorization information to which the restriction is added to the dummy card. It may include.

According to the present invention, there is an effect of inducing the use of the card according to the original rental purpose by limiting the use range when the credit card owner rents the issued credit card.

In addition, even if the lost credit card is added to the restrictions on the card information, there is an effect to prevent secondary and tertiary damage.

1 is a diagram showing the configuration of a disposable NFC payment card issuing system according to an embodiment of the present invention.
Figure 2 is a block diagram of a dummy card according to an embodiment of the present invention.
3 is a block diagram of an NFC terminal according to an embodiment of the present invention.
4 is a block diagram of an approval server according to an embodiment of the present invention.
Figure 5 is a flow chart of a single-use NFC payment card issuing method according to an embodiment of the present invention.
Figure 6 is a flow chart of the applet issuing method of disposable NFC payment card according to an embodiment of the present invention. And
7 is a flowchart of a payment method of a disposable NFC payment card according to an embodiment of the present invention.

As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to the specific embodiments, it should be understood to include all transformations, equivalents, and substitutes included in the spirit and scope of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

Hereinafter, an embodiment of a disposable NFC payment card issuing system according to the present invention will be described in detail with reference to the accompanying drawings, and in the following description with reference to the accompanying drawings, the same or corresponding components are given the same reference numerals. Duplicate description thereof will be omitted.

In the present invention, a near field communication (NFC) communication method is mainly used in the near field communication method, and thus, a brief description of the NFC communication method will be given before the detailed description of the present invention. The NFC communication method is one of near field communication methods, and is a contactless near field communication using a frequency of 13.56 MHz. NFC performs data transmission, payment, and security functions between terminals through tagging between terminals at a short distance within 10 cm. Here, tagging means access or contact for transmitting data between terminals.

NFC usually operates in three modes:

First, it operates in reader / writer mode. The reader / writer mode is a mode for storing information and reading stored information, that is, it can function as a barcode scanner for reading barcodes and barcodes.

Secondly, it operates in Peer to Peer mode. Peer-to-peer mode is information exchangeable mode between devices. That is, the mode can transmit and receive data between terminals.

Third is the Card Emulation mode. Card emulation mode is a mode that allows transportation cards and other payments by mobile phone.

In other words, NFC operates in the 13.56 MHz band, can read and write data, and can communicate data between terminals up to 424 Kbits per second. It has a payment function that enables the purchase of goods through authentication.

Therefore, the various uses of the NFC technology are, for example, booking a transportation ticket with a mobile phone, exchanging information between the mobile phone and the mobile phone, obtaining information about the performance through a tag (smart chip) embedded in a performance poster, Financial payment functions such as credit cards can be performed.

A wireless mobile communication network means a communication network that communicates wirelessly with a desired party anytime and anywhere while moving freely in the service area formed by the network. Commercialized examples include analog communication networks, second, third, and fourth generation communication networks. It also includes all communication methods.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing the configuration of a disposable NFC payment card issuing system according to an embodiment of the present invention.

The system of the present invention comprises a dummy card 10, NFC terminal 20 and the approval server (30).

Detailed configuration of the dummy card 10, NFC terminal 20 and the approval server 30 corresponding to the configuration of the system of the present invention will be described with reference to Figs.

The dummy card 10 according to the present invention includes a storage space for recording related information for generating an NFC card for performing a financial settlement in the NFC communication method.

That is, when the dummy card 10 is generated as an NFC card, the NFC payment method may be performed through the NFC card. In addition, the relevant information for the financial transaction can be recorded in the storage space of the dummy card (10).

Referring to FIG. 2, the dummy card 10 includes an applet information storage unit 110, a card information storage unit 120, an approval information storage unit 130, a fountain information storage unit 140, and a card antenna unit 150. It is configured to include.

The applet information storage unit 110 may store the disposable payment card applet.

An applet means an application program recorded on a dummy card and distinguishing different data formats of information exchanged between the dummy card and the dummy card reader.

The disposable payment card applet refers to an applet that tags the card on which the disposable payment card applet is recorded on the payment reader so that the payment reader detects the disposable payment card applet as a card capable of performing a payment card function.

One-time payment card applets can be produced in various ways depending on the value added network (VAN) company that provides financial settlement services.

If the card does not have an applet related to a separate financial settlement, including a one-time payment card applet, even if the card is tagged in the payment reader, the payment process is not activated because the card is not recognized as a card performing the financial settlement function.

The applet information storage unit 110 stores the disposable payment card applet in the step of producing the dummy card 10 or sets the default state to a default state to record the procedure between the NFC terminal 20 and the dummy card 10. This allows you to record the applets you want.

The card information storage unit 120 may store card information for financial settlement.

For example, the card information refers to related information for payment approval such as a card number of a credit card, an expiration date of a card, a card validation code (CVC), a password, and a payment limit amount.

The card information storage unit 120 stores the card information in the step of producing the dummy card 10, or set the user to the default (default) state through the recording process between the NFC terminal 20 and the dummy card 10 Can record the desired card information.

The approval information storage unit 130 may store the approval information for the application result of the one-time card issuing service.

In order to use the one-time card service, the user may request approval of the one-time card issuance while providing card information and personal information from the NFC terminal 20 to the approval server 30.

In addition, when requesting the authorization, the authorization information may be requested by sending card information, such as the number of times of use of the card, the amount of payment limit, and the expiration date of the card, to the card information according to the user's request.

The authorization server 30 may approve issuance of a single-use card through card information, personal information, and restriction information, and may provide corresponding card issuance approval information.

The approval information storage unit 130 stores the card information in the step of producing the dummy card 10, or set to the default (default) state by the user through the recording process between the NFC terminal 20 and the dummy card 10 Can record the desired card information.

The fountain information storage unit 140 may store the fountain information for authenticating the recording authority of the disposable payment card applet in the applet information storage unit 110.

SAM (secure access module) information is the applet information storage unit 110 of the dummy card 10 has the authority to record the disposable payment card applet according to the present invention, if the initial state or other payment applet is recorded Refers to information for authentication and verification.

When the fountain information storage unit 140 produces the dummy card 10, the fountain information is recorded and produced, and when the user records the disposable payment card applet through the NFC terminal 20, the NFC terminal 20 By checking the fountain information, the recording authority of the disposable payment card applet can be verified.

The card antenna unit 150 may exchange data with the NFC terminal 20 in an NFC communication method.

Applet information, card information, disposable card issuance approval information, and fountain information stored in the dummy card 10 may be transferred to the outside of the dummy card 10 through the card antenna unit 150.

Alternatively, the applet information, card information, and disposable card issuance approval information transmitted from the outside may be transferred to the storage space of the dummy card 10 through the card antenna unit 150.

Referring to Figure 3, NFC terminal 20 according to the present invention is a card issuance control unit 210, card issuance information storage unit 220, card information unit 230, personal information unit 240, short-range communication unit 250, It is configured to include a terminal communication unit 260.

The card issuing control unit 210 may set an effective range of card information stored in the NFC terminal 20.

The card information includes the card number, expiration date of the card, CVC, payment limit amount, and the like.

The card issuing control unit 210 may limit the use range of the disposable card by setting the number of times the card can be used, the payment limit amount, and the expiration date.

In a preferred embodiment, the owner of the NFC terminal 20 drives the application for issuing a disposable card in the NFC terminal 20, and set the number of times of use card number of card information stored in the NFC terminal 20, the loss limit Set the amount to 200,000 won, and set the expiration date until the day after the issue date.

Thereafter, the NFC terminal 20 requests the authorization server 30 with the restriction information of the card information and requests the issuance of the one-time payment card and receives the approval result to generate the one-time payment card to which the restriction information is added.

In addition, the card issuing control unit 210 may authenticate the fountain information recorded on the dummy card 10 and transmit the disposable payment card applet to the dummy card 10.

In addition, the card issuing control unit 210 detects whether the disposable payment card applet is recorded on the dummy card 10, and if the disposable payment card applet is not detected on the dummy card 10, the disposable payment card applet to the approval server 30. You can request to send.

In addition, the card issuing control unit 210 may form an NFC RW (read / write) session on the dummy card 10 to record information and generate an NFC payment card.

The card issuing control unit 210 requests the issuance of a one-time card to the approval server 30, receives the card issuance approval information according to the request, and writes the dummy card 10 together with the card information to generate an NFC payment card. have.

In addition, the card issuing control unit 210 may request the suspension of use of the issuing card to the authorization server 30 when the NFC payment card normally generated through the dummy card 10 is lost or stolen.

The card issuance information storage unit 220 may store the issuance history of the NFC card.

When the NFC payment card containing the restriction information is generated through the card issuing control unit 210, the contents of the card information stored in the NFC terminal 20, restrictions on the card information, issue date and time, whether the expiration date, etc. can be stored. .

The card information of several card companies is stored in the NFC terminal 20, and if there is a plurality of issue times and times, the card issuance history can be divided and stored in detail according to each case.

The card information unit 230 may store card information.

The NFC terminal 20 may basically include a payment function, and perform the same payment function as the NFC payment card issued by the dummy card 10. Therefore, the card information for performing the payment function may be included in the NFC terminal 20.

The card information may include a card number, an expiration date of the card, a CVC, a payment limit amount, and the like.

The card information unit 230 may store card issuance approval information transmitted from the approval server 30 together with the card information.

The personal information unit 240 may store cardholder personal information related to card information stored in the card information unit 230.

The personal information may include a cardholder's name, address, social security number, and information related to an official certificate, and may be stored by a separate encryption process through the personal information unit 240.

The short range communication unit 250 may transmit / receive data with the dummy card 10 through the NFC communication method.

Information exchanged between the NFC terminal 20 and the NFC terminal 20 through the short range communication unit 250 may include disposable card applet information, card issue approval information, and card information.

The terminal communication unit 260 may transmit and receive data to and from the approval server 30 through a wireless communication network.

NFC terminal 20 basically includes a function for transmitting and receiving text, voice, image data with another terminal, this function is made through the terminal communication unit 260.

The terminal communication unit 260 may transmit information requesting issuance of a single-use card to the approval server 30, and receive card issuance approval information issued by the approval server 30.

Referring to Figure 4, the approval server 30 according to the present invention is a card issuing service subscription unit 310, card issuance approval unit 320, applet issuing unit 330, payment approval unit 340, server communication unit ( 350).

The card issuing service subscription unit 310 may receive and register a user's personal information and card information, and issue a UID (unique identification, unique ID) to the corresponding user.

The UID may consist of a name and password consisting of unique letters or numbers that can identify the user.

Therefore, when registering personal information and card information in the card issuing service subscription unit 310 and requesting issuance of a disposable card through the received UID, even if the personal information and card information are not separately provided, only the limited information of the card information is delivered. Issuance of the card is possible.

The card issuance approval unit 320 may check the personal information and the card information registered in the card issuance service subscription unit 310 to generate card issuance approval information and transmit it to the NFC terminal 20.

In a preferred embodiment, the user of the NFC terminal 20 drives the one-time card issuing application, providing personal information and card information to the card issuing service subscription unit 310 in advance, and to the approval server 30 through the UID received Connect. After the user inputs the restriction information of the card information to be issued and requests a one-time card issuance to the approval server 30, the card issuance approval information is transmitted to the NFC terminal 20.

In addition, the card issuance approval unit 320 transmits the card issuance approval information to the card issuance service subscription unit 310 and stores it.

The applet issuing unit 330 may store disposable payment card applet information and fountain information.

The applet issuing unit 330 may exist in the approval server 30 or operate as a separately configured server according to the application situation.

The disposable payment card applet may be selectively issued according to the type of the dummy card 10 and the company providing the payment service. Similarly, the fountain information may be selectively issued according to the type of the dummy card 10.

The payment approval unit 340 may determine whether to approve the payment request of the NFC payment card issued through the dummy card 10.

NFC payment card, the card information and the card issuance approval information is recorded in the dummy card 10 through the NFC terminal 20, the card information and card issuance approval information is transferred to the payment approval unit 340 upon request for approval of financial payment. do.

The payment approval unit 340 determines whether to approve the payment by comparing the card information and the card issuance approval information previously stored in the card issuing service subscription unit 310 with the information transmitted from the NFC payment card.

The server communication unit 350 may exchange data with the NFC terminal 20 or a VAN company (not shown) connected for wired or wireless communication.

Figure 5 is a flow chart of a single-use NFC payment card issuing method according to an embodiment of the present invention.

Step S110 is a step of subscribing to the one-time card issuing service from the NFC terminal 20 to the approval server 30.

NFC terminal 20 stores the card information and personal information of the card holder, and provides the stored card information and personal information to the approval server, by subscribing to the one-time card issuing service by receiving a UID.

Step S120 is a step of requesting the approval of the one-time card issuance from the NFC terminal 20 to the approval server 30.

The owner of the NFC terminal 20 may drive the one-time card issuing application of the NFC terminal 20, and enter the limit information for setting the payment limit amount of the card, the number of payments, and the valid period separately.

Thereafter, the card information, the personal information, and the card restriction information stored in the NFC terminal 20 may be transferred to the approval server 30 to request approval of the one-time card issuance. When providing the UID issued through the step S110 to the approval server 30, the card information and personal information can be replaced through the UID.

Step S130 is a step of transmitting the card issuance approval information from the approval server 30 to the NFC (20) terminal.

The approval server 30 stores the information transmitted from the NFC terminal 20 in step S120, and transmits the card issuance approval information to the NFC terminal 20 when approved.

In step S140, an RW (read / write) session is formed between the NFC terminal 20 and the dummy card 10.

NFC terminal 20 is connected to the dummy card 10 and the RW method of the NFC communication method, and forms a session for recording information on the dummy card 10.

The NFC terminal 20 checks whether the disposable payment card applet is recorded in the dummy card 10, and transmits data for card generation when the disposable payment card applet is recorded.

The step S150 is a step of transferring data for card generation from the NFC terminal 20 to the dummy card 10.

Data transmitted to the dummy card 10 includes card information and card issuance approval information.

The step S160 is a step of confirming whether or not the information transmitted to the dummy card 10 in the step S150 has been stably recorded to deliver the card generation result.

Step S170 is a step of determining the success or failure of the card generation result in step S160.

Step S180 corresponds to a case where it is determined that the failure in step S170, the step of requesting the cancellation of the card issuance approval from the NFC terminal 20 to the approval server 30.

Step S190 corresponds to a case where it is determined that the success in step S170, and outputs that the issuance of a disposable card to the NFC terminal 20 is successful.

6 is a flowchart of a method for issuing an applet of a disposable NFC payment card according to an embodiment of the present invention.

Since steps S210 to S230 are the same as steps S110 to S130 of FIG. 5, a detailed description thereof will be omitted.

Step S240 is a step of forming a RW (read / write) session between the NFC terminal 20 and the dummy card (10).

NFC terminal 20 is connected to the dummy card 10 and the RW method of the NFC communication method, and forms a session for recording information on the dummy card 10.

The NFC terminal 20 checks whether the disposable payment card applet is recorded in the dummy card 10, and if the disposable payment card applet is not detected, pauses the data process for generating the NFC payment card.

Step S250 is a step of requesting the disposable payment card applet information from the NFC terminal 20 to the applet management server 40.

The applet management server 40 may be included in the approval server 30 according to the configuration of the use environment, or may be operated in a separate server form.

Step S260 is a step of transmitting a path for issuing a disposable payment card applet from the applet management server 40 to the NFC terminal 20.

In a preferred embodiment, the route for issuing an applet is an Internet URL address, and the route transmission method may take an SMS transmission method through a wireless communication network.

The step S270 is a step of receiving a one-time payment card applet to the NFC terminal 20 by accessing the applet issuing server 50 which is the applet issuing path transmitted in step S260.

The applet issuing server 50 may be included in the approval server 30 according to the configuration of the use environment, or may be operated in a separate server form.

Steps S280 to S320 are the same as steps S150 to S190 described with reference to FIG. 5, and thus detailed descriptions thereof will be omitted.

7 is a flowchart of a payment method of a disposable NFC payment card according to an embodiment of the present invention.

The dummy card 10 described in FIG. 7 is assumed to be an NFC payment card in which all information for payment, such as card information, card issuance approval information, and a disposable payment card applet, is recorded.

Step S310 is a step for requesting payment from the dummy card 10 to the affiliated store terminal 15.

When the user of the dummy card 10 tags the dummy card 10 on the merchant terminal 15, the card information and the card issuance approval information stored in the dummy card 10 are transmitted to the merchant terminal.

Step S320 is a step of requesting approval for payment from the merchant terminal 15 to the card VAN company 25.

In step S310, the merchant terminal 15 transfers the card information and card issuance approval information read from the dummy card 10 to the card VAN company 25.

In step S330, the card VAN company 25 requests payment to the approval server 30.

In step S320, the card information and the card issuance approval information delivered to the card VAN company 25 are transferred to the approval server 30.

The approval server 30 compares the transferred card information and card issuance approval information with the stored information, and determines whether the payment request is within the effective range in the limited amount of payment limit, expiration date, and number of times of use.

In the past, when a card for financial transactions was lost or stolen, or when a card was borrowed, there was no method for restricting payment by sector. There is an effect that payment can be made within the owner's limits.

Step S340 is a step of transmitting the result of the payment request from the approval server 30 to the card VAN company 25.

If the payment request within the effective range in step S330 transmits the payment approval result, and if the amount exceeds the limit, the expiration of the validity period, or exceeds the limit of the number of times the payment failure result is transmitted.

In operation S350, the payment result delivered to the card VAN company 25 in operation S340 may be transmitted to the affiliated store terminal 15.

The step S360 is a step of notifying the NFC terminal 20 of the approval result delivered to the affiliated store terminal 15 in step S350.

Notification of the results may take the form of SMS, MMS delivery over the wireless communication network.

Although the above has been described with reference to embodiments of the present invention, those skilled in the art may variously modify the present invention without departing from the spirit and scope of the present invention as set forth in the claims below. And can be changed.

10: dummy card
110: applet information storage unit
120: card information storage unit
130: approval information storage unit
140: fountain information storage unit
150: card antenna unit
15: merchant terminal
20: NFC terminal
210: card issuance control unit
220: card issuing information storage unit
230: card information
240: Personal Information Department
250: local area communication
260: terminal communication unit
25: VAN card
30: approval server
310: card issuing service subscription
320: card issuance approval unit
330: applet issuer
340: payment approval unit
350: server communication unit
40: Applet Management Server
50: applet issuing server

Claims (10)

delete delete A card information unit for storing card information; A personal information unit that stores personal information of the owner of the payment card; A card issuing control unit for setting restrictions on the card information such as a card use place, a card expiration date or a payment limit amount in the card information; A terminal communication unit for requesting approval for issuance of a disposable NFC card to an approval server and receiving card issuance approval information; And a short-range communication unit for recording card information and card issuance approval information by accessing the dummy card by NFC. Disposable NFC payment card issuing terminal comprising a;
A dummy card for storing the card information and the card issuance approval information and requesting payment through a NFC (Near Field Communication) communication method; And
Authorization server for transmitting the card issuance approval information to the disposable NFC payment card issuing terminal in response to the issue request of the disposable NFC card; Including but not limited to:
The card issuing control unit sets the restriction of the card information, receives the card issuance approval information through the approval server, and delivers it to the local area communication unit,
The short-range communication unit generates the disposable NFC card by recording the card information and card issuance approval information on the dummy card,
Issuance request of the disposable NFC card to the approval server is sent with the card information,
The transferred card information includes at least one or more card information of the payment limit amount or information on the card validity period,
Disposable NFC payment card issuing system including restriction information that sets the effective range for the payment limit amount or the card expiration date. The method of claim 3,
The disposable NFC payment card issuing terminal,
A card issuance information storage unit for storing a card issue history; Disposable NFC payment card issuing system, characterized in that it further comprises a. The method of claim 3,
The dummy card,
Applet information storage unit for storing the disposable payment card applet;
A card information storage unit for storing card information recorded by the disposable NFC payment card issuing terminal;
Authorization information storage unit for storing the card issuance approval information recorded by the disposable NFC payment card issuing terminal; And
A card antenna unit; Disposable NFC payment card issuing system comprising a. The method of claim 5,
The dummy card,
A fountain information storage unit for storing fountain information for authenticating recording authority of the disposable payment card applet in the applet information storage unit; Disposable NFC payment card issuing system comprising more. The method of claim 5,
The disposable payment card applet stored in the applet information storage unit,
Disposable NFC payment card issuing system, characterized in that recorded via the disposable NFC payment card issuing terminal. The method of claim 3,
The approval server,
A card issuing service joining unit for registering user's personal information and card information and issuing a UID (unique identification);
A card issuing approval unit for confirming personal information and card information registered in the card issuing service subscription unit according to a single-use NFC card issuing request, and transmitting card issuance approval information to the disposable NFC card payment issuing terminal;
An applet issuing unit for storing disposable payment card applet information and fountain information; And
A payment approval unit for determining whether to approve payments by comparing card information and card issuance approval information recorded on the disposable NFC payment card with information registered in the card issuing service subscription unit according to a payment request; Disposable NFC payment card issuing system comprising a. Forming a read / write session between the dummy card and the NFC terminal;
Checking whether the disposable payment card applet information exists in the dummy card;
Requesting disposable payment card applet information from an applet management server;
Transmitting the access path of the applet issuing server to the NFC terminal;
Requesting issuance of disposable card applet information and fountain information to the applet issuing server through the connection path;
Transmitting the disposable card applet information and the fountain information to the NFC terminal;
Checking whether the dummy information of the dummy card and the NFC terminal match; And
Recording disposable card applet information on the dummy card; Disposable NFC payment card issuing method comprising a. Driving a single-use card issuing application in the NFC terminal;
Adding a restriction to card information through the application at the NFC terminal;
Requesting approval for issuance of a disposable card from the NFC terminal to the approval server;
Transmitting card issuance approval information from the approval server to the NFC terminal;
Forming a read / write session between the dummy card and the NFC terminal; And
Generating a disposable NFC card by transmitting card information and card issuance approval information to which a restriction is added to the dummy card; Disposable NFC payment card issuing method comprising a.

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