KR102461897B1 - Method for issuing multiple digital card - Google Patents

Abstract

The present invention allows one card to have two or more card functions, and further, the added card function can integrate the functions of an already issued card into a specified single card, and real-time while receiving a completely new card In order to provide such a completely new card issuance method, which may add a function as , as an integrated card issuance method that integrates into one physical integrated card 100 while receiving a new card issuance through the mobile communication terminal 300 , (a) logging in to the issuing system 400 in the mobile communication terminal 300 after, selecting a new card issuance button; (b) performing a card issuance application while selecting a credit card output on an output window in the mobile communication terminal 300, a card company to be issued, or a card product; (c) receiving an issuance instruction from the issuing system 400; (d) performing synchronization with the integrated card 100 by the mobile communication terminal 300; and (f) issuing, by the mobile communication terminal 300, a new card to the integrated card 100; It is characterized in that it includes.

Description

How to issue an integrated card {METHOD FOR ISSUING MULTIPLE DIGITAL CARD}

The present invention relates to an integrated card issuance method, and more particularly, to an integrated card issuance method for superimposing a new card function on an existing card through an App installed on a smartphone for issuance.

In general, a card is classified into a magnetic card using a magnetic strip, a smart card using an IC chip, and a combination card using both of them according to a recording method, and a smart card is classified into a contact type and a contactless type according to a reading method. It is classified into a near-field communication (NFC) card that can be read only from a distance within cm and an RF card that can be read even from a long distance. In addition, if classified according to functions, there are debit cards, membership cards, transportation cards, point accumulation cards, access cards, and the like, in addition to credit cards. However, recently, an OTP function or a new additional function is added to the card.

Meanwhile, as a method of issuing a credit card according to the first prior art, a mobile card issuance method using a credit card and a credit card therefor are disclosed in Korean Patent Application No. 10-2012-0092387. The first prior art relates to a method for receiving and installing a mobile card corresponding to a credit card using a credit card and a portable information terminal, and a credit card capable of performing the method.

1A is a network diagram showing the relationship between the portable information terminal according to the first prior art, the IC card, and the card issuing server issuing the mobile card. The portable information terminal 10 reads, from the IC card 20 , access information to a site from which an App for card issuance can be downloaded using Near Field Communication (NFC). The portable information terminal 10 accesses the card issuance server 30 through the Internet according to the access information read from the IC card 20 and downloads the card issuance app. Alternatively, it is possible to configure the card issuance app to be downloaded from a separate app marketplace.

When the card issuance app downloaded from the mobile information terminal 10 is executed, the card issuance app reads the encrypted card information from the IC card 20 using NFC, decrypts the encrypted card information, and issues the card. It accesses the server 30 and transmits card information. After screening according to a predetermined rule, the card issuance server 30 transmits the mobile card information to the portable information terminal 10, and the portable information terminal 10 receiving the mobile card information transmits the information to the universal subscriber identity module (USIM). ) The mobile card is installed in the terminal by installing it in a storage space such as a chip, internal memory, or external memory.

1B is a flowchart illustrating a mobile card issuance procedure according to the first prior art.

A user who wants to be issued a mobile card brings the portable information terminal 10 having the NFC communication function into contact with the IC card 20 having the NFC communication function (step S410). When the mobile card issuance app is not installed in the portable information terminal, that is, during the first tagging, only an NDEF (NFC Data Exchange Format) message is transmitted to the portable information terminal 10 (step S415). The transmitted NDEF message may include access information for downloading a card issuance app, a unique number of the IC card, and the like. At the time of initial tagging, since the app associated with the NFC tag is not registered in the mobile information terminal 10, the mobile information terminal 10 selects any app among the NFC reader apps that are installed in the mobile information terminal 10 by default. Displays a screen that allows the user to select whether to use it. When the user selects one of the apps 51, the portable information terminal 10 displays a list of records included in the NDEF message read using the corresponding app on the screen (step S420).

The user selects the URI record 52, which is access information for downloading the card issuance app (step S430). Then, the portable information terminal 10 accesses a site from which the corresponding app can be downloaded (hereinafter, referred to as an 'app download server'). The app download server may be an app store for app sales, or a site providing the service of the present invention. When the user presses the install button 53 again, an app download request is transmitted to the app download server (step S435), and a card issuance app for issuing a mobile card from the app download server is transmitted to the portable information terminal 10 (step S435) (step S435) S437).

The mobile information terminal 10 that has downloaded and installed the card issuance app registers a TNF (Tag Name Format) key value linking the card issuance app with the tag information included in the NDEF message received in step S415 (step S440). The TNF key value is a key value in the form of a URL that selects an app to be executed when a tag is touched. That is, after the TNF key value is registered, when a tag having tag information linked to the TNF key value is touched, the app designated by the TNF key value is executed.

After the tag value of the IC card 20 is registered in the portable information terminal 10 through this procedure, when the corresponding IC card 20 is brought into contact with the portable information terminal 10 (step S450), in step S415 and Similarly, the NDEF message is transmitted to the portable information terminal 10 (step S455). However, this time, since the TNF key value linked to the tag value of the IC card 20 is registered in the portable information terminal 10, the card issuance app for mobile card issuance is executed by the TNF key value (step S460).

When the card issuance app is executed, it requests information necessary for card issuance (eg, card number, expiration date, card name, user information, etc.) to the IC card 20 (step S465). This can be done according to the ISO7816 standard. That is, the mobile information terminal 10 on which the card issuance app is executed transmits the PPSE Select command to the IC card 20 , and the IC card 20 sends a PPSE Response to the mobile information terminal 10 in response thereto. The portable information terminal 10 acquires the AID of the corresponding IC card from this response and transmits an AID Select command. Then, the IC card 20 transmits an AID Response including card information to the portable information terminal 10 in response thereto. While reading card information from the IC card, necessary information may be displayed on the screen of the portable information terminal 10 .

Thereafter, when card information necessary for card issuance is read from the IC card 20 (step S467), the portable information terminal 10 displays a screen for inputting additional information required for input (step S470). Information that requires additional input may include a Card Validation Code (CVC) number printed on the back of a credit card. In addition, certification by CVC number

In addition, the use of any one or more of the user's resident registration number, phone number or other information such as telecommunication company, public certificate, mobile phone USIM, one-time password (OTP), card password, fingerprint recognition, eye recognition, voice recognition, etc. It is possible.

Subsequently, when the user inputs the CVC number in the CVC number input field 54 and clicks the application button 55 (step S480), the card issuance app uses the input information and the information read from the IC card for card application. The application information is extracted and transmitted to the card issuance server 30 (step S485). When the card application information received from the portable information terminal 10 satisfies all the requirements for issuing a mobile card, the card issuance server 30 generates a mobile card and transmits the mobile card information to the portable information terminal 10 . do (step S487). In this case, it is also possible to transmit a text message for authentication to the user's portable information terminal 10 for additional user authentication.

The mobile information terminal 10 that has received the mobile card information installs it in a storage space such as a universal subscriber identity module (USIM) chip, an internal memory, an external memory, etc., so that the mobile card is installed in the terminal (step S490), On the screen of the information terminal 10, the user can click the view card information button to check the mobile card.

However, since the above first prior art generates a mobile card based on existing credit card information to the last, its application is limited, and immediate on-site response is impossible, and in addition, the premise of a credit card is limited to the last. Therefore, multiple credit cards must be issued in advance.

In addition, although the mobile card has its own advantages, it cannot be read by a plastic card reader using a conventional magnet strip, so it has limitations in general use.

Meanwhile, as a second prior art, a card issuance method using near field communication (NFC) and a terminal device using the same have been disclosed.

The system for the card issuance method using the proximity wireless communication also includes a terminal device 10 , a card 20 , and a card company server 30 as shown in FIG. 1A . The card 20 may include a storage unit in which the PIN number and credit information are encrypted and stored in the IC chip. On the other hand, the card company server 30 may be an approval server of the card company that approves the issuance of the card. The terminal device 10 identifies the adjacent card 20 using proximity communication, for example, NFC, receives identification information from the card 20, and sends request information based on the card identification information to the card company server 30 send. To this end, the terminal device 10 detects the adjacent card 20 , a proximity communication unit for receiving identification information from the card 20 , transmits the received identification information to the server 30 , and an authentication message from the server In response to the received network interface unit and the authentication message, the service unit corresponding to the card 20 may include a control unit that generates information and transmits the information to the server 30 through the network interface unit.

In addition, the network interface unit of the terminal device 10 receives issuance information in response to the service unit information, and the control unit records card information in a partial data area of the card through the proximity communication based on the issuance information. can Here, the additional service information may include at least one of usage number information, limit amount setting information, function limitation information, and lock information when lost.

On the other hand, when the card 20 is a previously issued card, the control unit of the terminal device 10 outputs a signal for inquiring whether to register the mobile card to the outside, and when the inquiry result is to register the mobile card, the card 20 ) identification information may be transmitted to the server. In this case, the network interface unit may receive the issuance information corresponding to the card identification information 20 . And, the terminal device 10 may further include a storage unit for storing the mobile card based on the received issuance information.

1C is a flowchart illustrating a method of operating a terminal device according to the second prior art. When the card 20 approaches the terminal device 10 first, the terminal device 10 may acquire previously issued real card information through close communication with the card 20 . Then, the terminal device 10 reads the block through communication with the card company server 30 having a KEY that can access the block, and verifies the validity, and the issuance history stored in the card company server 30 or each card You can check the relevant physical card information, such as service details and usage information. Thereafter, the user can verify the PIN number of the corresponding physical card to authenticate that he/she is the holder of the physical card to the card company server 30 , and log in to the service through the terminal device 10 and call the company's mobile card to retrieve the physical card. It is also possible to authenticate to the card company server 30 that the terminal device 10 of the holder. When the authentication from the card company server 30 is completed, the terminal device 10 can set an additional service according to a user input. The additional services may include whether or not to reissue a physical card, whether to issue a mobile card, and a function to set a PIN number and set a limit for a physical card. Therefore, the terminal device 10 checks whether the card is a real card issued by the card company based on the credit information stored inside the card and performs authentication, thereby providing an APDU standardized on a commercially available smart card or RFID tag containing an IC chip. It is possible to prevent the payment function from being granted with a command such as On the other hand, the card 20 is assigned a unique serial number (UID: Unique Identification) for each card, and through this, whether the card is issued by the card company server 30 and the issuance information can be managed.

After authentication, the terminal device 10 sets the function of the additional service to be applied to the card. The function of the supplementary service may be designated for each user's purpose, and in a preferred embodiment, there may be a function limit and permission setting of the corresponding card, locking and unlocking functions when the number of times of use, the limit amount is set and rental, and the corresponding card is lost. In the case of setting the number of times of use and the limit amount, it can be used several times in the application program of the terminal, and may mean how much to limit the amount or a function to pay only for a specified service. In this case, it is mainly for children, for the purpose of lending for corporate cards, or for payment or recharging of specific services. For example, in a swimming pool or a beach where it is difficult to carry the terminal device 10 , payment may be performed instead of the card 20 in which an additional service is set by the terminal device 10 . In addition, according to the second prior art, in the case of the rental service, a one-time limited rental service may be set in the card 20 in order to prevent the child from paying an excessive amount or other than a designated service. In addition, in the case of the rental service, the one-time authentication program for the borrower issued by the card company server 30 is downloaded to the terminal device 10 so that only the borrower can use it, and the real card 20 with the rental service set Only when the borrower's terminal device 10 is contacted, authentication as the original card holder is completed, and the card company server 30 may control so that approval is made. Meanwhile, the additional service may include a lock and unlock service. If improper use is detected or lost, a request may be made to the card company server 30 through the terminal device 10 of the card holder to suspend the authorization.

For example, when a lock and unlock service setting is input in the terminal device 10 and the physical card 20 comes into contact with the terminal device 10, card identification information and additional services are sent to the card company server 30 according to the set service. The information is transmitted, and the setting can be completed by receiving the corresponding result message through the authentication process. Accordingly, it is possible to use the card 20 lock and unlock service through the terminal device 10 .

The terminal device 10 may generate an APDU command based on the result message received from the server 30 and record card information in each block area of the card 20 and the applet using the write mode of NFC. . When writing is completed, the terminal device 10 reads the data block of the card 20 once again to check whether the writing is successful, and transmits this information to the card company server 30 again to add additional information set by the application program of the terminal. Service information can be transmitted. As such, the terminal device 10 may receive and store additional services in the IC chip area of the real card having an existing issuance history.

However, in the second prior art, it is possible to add an additional service or add a new function to the existing credit card by going one step further than the first prior art, so that it can be transformed into a new credit card. However, since it is based on the existing credit card, its application is limited, and immediate on-site response is not possible, and a credit card is required to the last.

Moreover, neither the first nor the second prior art can be completely different from the first issued card, and in particular, two or more completely new cards cannot function as one card.

Republic of Korea Patent Application No. 10-2012-0092387 (Title: Mobile card issuance method and credit card for mobile information terminal using credit card, filing date: August 23, 2012) Republic of Korea Patent Application No. 10-2013-0047019 (Title: Card issuance method and terminal device using the same, filing date: April 26, 2013)

The present invention is to solve the above problems, and its purpose is to allow one card to have two or more card functions, and furthermore, the added function of the card is the function of an already issued card. It provides such a completely new card issuance method that can be integrated into .

The above and other additional objects will be apparent to those skilled in the art without departing from the spirit of the present invention by the appended claims.

The integrated card issuance method according to one aspect of the present invention for achieving the above object is an integrated card issuance method for integrating two or more cards in possession into one physical integrated card 100, the mobile communication terminal 300 synchronizing with the integrated card 100; Calling a card currently held in the mobile communication terminal 300, and selecting a card to be integrated; Authenticating the identity by inputting basic information of the corresponding card to be integrated; It is characterized in that it includes.

On the other hand, the integrated card issuance method according to another aspect of the present invention for achieving the above object, the integrated card issuance method for integrating two or more cards issued using a smartphone app into one physical integrated card (100) As, installing a smartphone app to the mobile communication terminal (300); registering a user in the app; Moving to the BLE electronic card registration screen, selecting a card to be integrated; performing synchronization by bringing the mobile communication terminal 300 close to the integrated card 100; and when the recognized card is displayed, authenticating by inputting designated information when issuing the card; It is characterized in that it includes.

On the other hand, in the integrated card issuance method according to another aspect of the present invention for achieving the above object, a contract with a plurality of card issuer servers 500 is made and the issuing system operator server 400 for exchanging information is built in advance As an integrated card issuance method for integrating a single physical integrated card 100 while receiving a new card through the mobile communication terminal 300 in a system in which the single physical integrated card 100 is actually It is possible to store card information of a plurality of cards, and it is possible for a user to select and activate any one of the stored plurality of cards, so that the card information of the activated card can be visually output to the outside, and the one physical At least one credit card is issued offline to the integrated card 100, (a) after logging into the issuing system 400 in the mobile communication terminal 300, selecting a new card issuance button; (b) performing a card issuance application while selecting a credit card output on an output window in the mobile communication terminal 300, a card company to be issued, or a card product; (c) receiving an issuance instruction from the issuing system 400; (d) synchronizing the mobile communication terminal 300 with the integrated card 100; and (f) issuing, by the mobile communication terminal 300, a new card to the integrated card 100; The step (b) includes: (b1) supporting the selection of a credit card output on the output window of the mobile communication terminal 300, a credit card company to issue, or a card product; (b2) the (b1) ) after the step of supporting the selection of the card issuance application button, (b3) transmitting the previously issued credit card information of the user while making a card issuance request to the issuance system 400, the step (b) and (c), (p) sending, by the issuance system 400, basic user information to the corresponding card issuer server 500 to request issuance approval; (q) in response to step (p), the card issuer server 500 granting issuance approval to the issuance system 400; and (r) simultaneously with step (q), transmitting, by the card issuer server 500, issuance data to the issuance system 400; It is characterized in that it further comprises.

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Also preferably, after step (f), the mobile communication terminal 300 transmits the issuance result to the issuance system 400 , and the issuance system 400 again sends the issuance system 400 to the card issuer server 500 . It is characterized in that the issuance result is transmitted.

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More preferably, the synchronization of the mobile communication terminal 300 and the integrated card 100 is characterized in that the synchronization through the Bluetooth network (200).

According to the integrated card issuance method according to the present invention, it is possible to have two or more card functions in one card, and further, the function of the added card may integrate the function of an already issued card into one specified card, , provides such a completely new card issuance method that functions can be added in real time while a completely new card is issued.

On the other hand, additional features and advantages of the present invention will become clearer through the following description.

1A is a network diagram showing a relationship between a mobile information terminal according to the first prior art, an IC card, and a card issuing server issuing a mobile card;
Figure 1b is a flowchart showing a mobile card issuance procedure according to the first prior art.
1C is a flowchart illustrating a method of operating a terminal device according to a second prior art;
2 is a plan view of an integrated card module according to a preferred embodiment of the present invention;
3A and 3B are cross-sectional views of an integrated card module according to a preferred embodiment of the present invention.
4 is a view showing a stacked configuration of the integrated card according to the preferred embodiment of the present invention.
5A and 5B are a plan view and a bottom view, respectively, of an integrated card related to a preferred embodiment of the present invention;
6 is another plan view of an integrated card module according to a preferred embodiment of the present invention;
7 is another plan view of an integrated card according to a preferred embodiment of the present invention;
Fig. 8 is another plan view of an integrated card according to a preferred embodiment of the present invention;
9 is a flowchart illustrating a method for issuing an integrated card according to a preferred embodiment of the present invention.
10 is an explanatory diagram of an operation of registering a current credit card and transmitting it to an integrated card;
11 is an explanatory diagram of an operation of registering a card issued using a smartphone app.
12 is an explanatory diagram of an operation of receiving a newly issued card through a smart phone and transmitting the card to the integrated card;
Fig. 13 is an explanatory diagram of an operation of registering other card information;

Hereinafter, an integrated card issuance method according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

In this specification, the examples and embodiments set forth below are to be considered as illustrative and not restrictive, and the invention is not limited to the details given herein, but to other implementations with substitutions and equivalents within the scope and equivalents of the appended claims. For example, it can be changed.

First, an integrated card related to a preferred embodiment of the present invention will be described with reference to FIGS. 2 to 8 .

Figure 2 is a plan view of the integrated card module related to a preferred embodiment of the present invention, Figures 3a and 3b are cross-sectional views of the integrated card module related to the preferred embodiment of the present invention, Figure 4 is related to the preferred embodiment of the present invention It is a view showing the stacked configuration of the integrated card, and FIGS. 5A and 5B are a plan view and a bottom view of the integrated card according to a preferred embodiment of the present invention, respectively. Figure 6 is another plan view of the integrated card module related to the preferred embodiment of the present invention, Figure 7 is another plan view of the integrated card related to the preferred embodiment of the present invention. 8 is another plan view of an integrated card according to a preferred embodiment of the present invention.

The integrated card 100 related to the preferred embodiment of the present invention, as shown in FIG. 4, on the upper and lower sides of the integrated card module 10, respectively, the front printing paper 20 and the back printing paper 30 are laminated Then, the upper transparent sheet 10 and the lower transparent sheet 50 are laminated on the upper and lower sides, respectively.

In addition, the integrated card module 10 is made by molding by being molded 19 on the main portion 10a of the integrated card module, as shown in FIG. 3b , the main portion 10a of the integrated card module is shown in FIG. 2 and As shown in FIG. 3A , several chips or antennas are attached to the PCB 18 on which the display unit 12a is formed on one side (bottom right in FIG. 2 ).

In more detail, the display chip 12, the BLE (Bluetooth Low Energy) chip 13 and the financial chip 14 are respectively connected to the main control unit (MCU) 11, Each of the chips is connected to respective operating elements.

That is, the display chip 12 is connected to the display unit 12a to display necessary card information (card number, CVC code, expiration date, membership name, barcode, OTP information, etc.) through the display unit 12a. will output Thus, among several integrated cards, which card is currently active is displayed.

The BLE chip 13 is connected to the BLE antenna 13a, and the integrated card 100 according to the present invention preferably communicates with the mobile communication terminal 300 (refer to FIG. 9) through the Bluetooth network 200. do. However, this is only an example of communication and is not necessarily limited thereto. However, the BLE method is advantageous for efficiently inputting or managing multiple pieces of card information, and the BLE chip transmits very few packets quickly and the data of the card information is encrypted. Even if it is transmitted, the size is not large, so it is quick and advantageous for synchronization.

The financial chip 14 is similar to the case of a conventional smart card or combination card containing an NFC chip for short-distance communication. That is, the financial chip 14 is connected to the NFC antenna 14a to perform short-range communication with the reader, on the other hand, the contact pad 14b of the financial chip connected to the existing financial chip 14 . It is preferable to be connected to and to operate in a contact type as well.

Unexplained reference numeral '15' is a battery, and since the performance of the battery is limited due to limitations in the size and thickness of the card, it is currently activated by the display unit 12a only when the power button 16 is placed and the power button is turned on. Make sure that the card information is printed out.

Unexplained reference numerals '17' and '17a' are direction keys for selecting a card type. However, this may be omitted if the display unit is configured as a touch screen and a GUI environment is created.

The front side of the integrated card 100, as shown in FIGS. 4 and 5A, is characterized by the front side printing paper 20 on the upper side of the integrated card module 10, as described above, on one side (here The transparent window 22 is formed at a position matching the display unit 12a of the lower right), and the contact pad 14b of the financial chip, the power button 16, and the selection direction keys 17 and 17a correspond to each other. The terminals 24 of the financial chip, the power button display unit 26, and the direction key display units 27 and 27a for selection are printed at each position.

On the other hand, the back side of the integrated card 100, as shown in FIGS. 4 and 5b, is characterized by the back side printing paper 30 of the lower side of the integrated card module 10, a specific part (here, the left center) ), a sign unit 32 may be located (if the sign is different for each card, the sign should be displayed differently depending on the card activated), and the magnetic information expression unit is located at the corresponding position of the magnet strip of the existing magnetic card. (31) exists. At this time, the magnetic information expression unit 31 does not actually excite the magnetic information, but only serves to provide the same magnet information to the reader when the card is passed through the magnet reader.

On the other hand, in FIGS. 6 and 7, another example of the integrated card module 60 related to the preferred embodiment of the present invention is disclosed in FIG. It is a case of virtualization inside, and the selection of the card is a direct selection type, not a direction key, so the number 1 to 5 (77b, 77c, 77d, 77e, 77f) is 5 credit cards are selected when used together (77i, 77j, 77k) from the No. number key to the No. 10 number key is used as the number key. The display unit 72, the terminal 74 of the financial chip, and the power button 76 are the same as in the case of FIG.

8 is another plan view of an integrated card 80 in accordance with a preferred embodiment of the present invention. In this embodiment, all except the terminal 84 of the financial chip is implemented in the display unit 82 in a touch screen method.

Membership card display unit 87, credit card display unit 87a, transportation card display unit 87b, credit card display unit 87c, currently activated card number display unit 87d, validity period display unit 87e, cardholder name display unit ( 87f), etc., all information is displayed in a GUI way.

Now, an integrated card issuance method according to a preferred embodiment of the present invention will be described with reference to FIGS. 9 to 13 .

9 is a flowchart illustrating an integrated card issuance method according to a preferred embodiment of the present invention, FIG. 10 is an operation explanatory diagram of registering a holding credit card and transmitting it to the integrated card, and FIG. 11 is issuance using a smartphone app It is an explanatory diagram of an operation of registering a received card, FIG. 12 is an operation explanatory diagram of a newly issued card through a smart phone and transmission to the integrated card, and FIG. 13 is an operation explanatory diagram of registering other card information.

First, a method of registering two or more cards in possession to one physical integrated card 100 will be described with reference to FIGS. 9 and 10 . First, the mobile communication terminal 300 such as a smartphone is synchronized through the integrated card 100 and the Bluetooth network 200, and the card currently held in the mobile communication terminal 300 is called (these information is the issuance system server) 400, or may be collected from each card company by a separate app), select a card to be integrated here and touch the registration button. After that, you will authenticate yourself by entering the basic information of the card, and then touch the confirmation button. Check your card information and complete the registration.

As a result, information on two or more cards is stored in the integrated card 100 , and the user can make payment by pressing the power button and selecting a card for payment.

Next, an operation of registering the issued card using the smartphone app will be described with reference to FIGS. 9 and 11 .

First, a smartphone app is installed in the mobile communication terminal 300 . It communicates with the unillustrated app download server and installs it in the usual way. Next, register the user, move to the BLE electronic card registration screen, and press the designated button of the card to be integrated.

Thereafter, the mobile communication terminal 300 is brought close to the integrated card 100 to perform synchronization through the Bluetooth network 200, and when the recognized card is displayed, an authentication process such as inputting a designated password when issuing the card is performed. , card integration is completed.

Finally, an operation of transmitting and integrating a completely new card through the mobile communication terminal 300 while being newly issued with the integrated card will be described with reference to FIGS. 9 and 12 .

In the present invention, each card company server (511,512,513) for issuing a credit card, each communication company server (611,612,613) for issuing a credit card, each bank server (711,712,713) for issuing a debit card, each service provider server for issuing a membership card ( 811,812,813) and the card issuer server 500, which integrally grasps, and the issuance system operator server 400 for exchanging information by making a contract in advance is built in advance.

This is because the mobile communication terminal 300 may communicate with each card company server or bank server through a separate app, but various authentication procedures are complicated and the new issuance procedure is not unified, so it is difficult to contact individually. .

For example, if you go to an amusement park and only a specific card of Company A offers a 50% discount, if the user has only one integrated card, the discount card can be issued and used in real time.

First, the user logs in to the issuing system 400 in the mobile communication terminal 300 and then selects a new card issuance button. Then, select the credit card printed on the output window and select the card company to issue. This can be done in reverse, or it can be done simultaneously. In any case, it will be possible to select a card product from among them again, and to do this with one click here.

Thereafter, if the card issuance application button is selected and the card type and application information are input, the card issuance application is made. More specifically, the mobile communication terminal 300 requests issuance to the issuance system 400 , and the issuance system 400 approves the issuance of basic information (user name, etc.) to the corresponding card issuer server 500 . When a request is made, and the card issuer server 500 transmits issuance data (card number, expiration date, CVC code, etc.) while granting issuance approval to the issuance system 400, the issuance system 400 gives an issuance instruction to the user's own mobile communication terminal 300, and the mobile communication terminal 300 synchronizes the integrated card 100 with the Bluetooth network 200 to issue a card through BLE. will do

At the same time, the mobile communication terminal 300 transmits the issuance result to the issuance system 400 , and the issuance system 400 transmits the issuance result to the card issuer server 500 again.

In this case, it is preferable that at least one credit card is issued offline to the user's integrated card 100 , and thus the mobile communication terminal 300 makes a request to the issuance system 400 to issue an issuance. However, by transmitting the user's previously issued card information, it is possible to skip the credit evaluation of other cards of the same or lower credit rating.

Finally, FIG. 13 shows a loss prevention function such as changing the additional service of the card or sounding a warning sound when the card is separated from the mobile communication terminal 300 by a certain distance or more, or a wide variety of cards are integrated into the integrated card. In this case, it is also possible to register other convenient functions, such as changing the priority of cards to be activated, or inquiring the usage history of each card.

In the detailed description of the present invention, the process of integrating a plurality of cards into one physical integrated card 100 is expressed in various terms, but in the end, whether existing cards are registered as one integrated card, or a new card In any case, the integrated card is eventually renewed, and this is expressed as the integrated card issuance in the present invention, and the above various aspects are included in the technical idea of the present invention.

In the above, the present invention has been described according to an embodiment of the present invention, but changes and modifications made by those of ordinary skill in the art to which the present invention pertains without departing from the technical spirit of the present invention also belong to the present invention. Of course.

100: integrated card 200: Bluetooth network
300: mobile communication terminal 400: issuance system operator server
500 : card issuer server

Claims (8)

delete delete In a system in which an issuance system operator server 400 for exchanging information by contracting with a plurality of card issuer servers 500 is built in advance, a new card is issued through the mobile communication terminal 300 and one physical integration As an integrated card issuance method integrated into the card 100,
The one physical integrated card 100 can store card information of a plurality of actual cards, and it is possible for a user to select and activate any one card from among a plurality of stored cards, so that the card information of the activated card can be visually output to the outside,
At least one credit card is issued offline to the one physical integrated card 100,
(a) after logging into the issuing system 400 in the mobile communication terminal 300, selecting a new card issuance button;
(b) performing a card issuance application while selecting a credit card output on an output window in the mobile communication terminal 300, a card company to be issued, or a card product;
(c) receiving an issuance instruction from the issuing system 400;
(d) performing synchronization with the integrated card 100 by the mobile communication terminal 300; and
(f) issuing a new card to the integrated card 100 by the mobile communication terminal 300;
includes,
The step (b) includes: (b1) supporting the selection of a credit card output on the output window of the mobile communication terminal 300, a credit card company to issue, or a card product, and (b2) a card after step (b1). It consists of a step of supporting the selection of the issuance application button, and (b3) transmitting the previously issued credit card information of the user while making a card issuance request to the issuance system 400,
Between step (b) and step (c),
(p) sending, by the issuance system 400, basic user information to the corresponding card issuer server 500, requesting issuance approval;
(q) in response to step (p), the card issuer server 500 granting issuance approval to the issuance system 400; and
(r) simultaneously with step (q), transmitting, by the card issuer server 500, issuance data to the issuing system 400;
Integrated card issuance method, characterized in that it further comprises. delete delete 4. The method of claim 3,
After step (f), the mobile communication terminal 300 transmits the issuance result to the issuance system 400 , and the issuance system 400 transmits the issuance result to the card issuer server 500 again. Integrated card issuance method, characterized in that. delete 4. The method of claim 3,
The integrated card issuance method, characterized in that the synchronization of the mobile communication terminal (300) and the integrated card (100) is synchronized through the Bluetooth network (200).

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