KR20000072397A - Portable data processing medium and system and method for processing the same - Google Patents

Abstract

PURPOSE: A portable information managing medium and a process system and a method of the same are provided to manage information of members, finance, business, e-mail, record of finance and etc. CONSTITUTION: A portable information managing medium(10) manages various information. A portable information managing medium(10') changes a business management information with the portable information managing medium(10). An information managing medium process terminal(20) processes an information selected by the portable information managing medium(10) and provides an information generated by the portable information managing medium(10, 10').

Description

PORTABLE DATA PROCESSING MEDIUM AND SYSTEM AND METHOD FOR PROCESSING THE SAME}

The present invention relates to a portable information management medium, a processing system and a method thereof, and more particularly, a portable information management medium for integrally storing and managing various information in an editable form, and information exchange for the portable information management medium. The present invention relates to a portable information management medium processing system and method for enabling online / offline application of the portable information management medium through a channel.

Currently, a company that provides customers with tangible / intangible services or goods and receives payment for the service or goods has various event events for the management of the customers. / Mid / Small and small shopping shops, gas stations and beauty salons, and the event event held by the service company by setting a cumulative score for the customer member's service or product payment price, for example to give prizes or intangible services This is the way it is

That is, the service provider issues a membership management card, for example, at the time of the customer's first transaction, and the customer provides a mileage score, cashback score, or bonus score by a dedicated member management card processing terminal whenever the service is used. Typically, each service provider is issued and managed in a standard form (eg, magnetic card).

In addition, in most cases, while having a bank account issued by each bank while trading a plurality of banks, a cash withdrawal card is issued from each bank if necessary. In addition, products of prepaid or debit cards that can be used by charging a predetermined amount have also been proposed and applied to practical use. Recently, credit cards issued by credit card companies or independent credit card companies linked to banks are replaced by cash. It is widely used as a payment method.

In addition, when contacting publicly or privately with a large number of people, exchange of business cards and telephone numbers that can be contacted are frequently performed. However, the management of business cards is generally kept in a business card holder. It is common to register and manage phone numbers and the like in notebooks or electronic notebooks.

On the other hand, in recent years, a large number of terminals are connected to an information provider server through an Internet provider, and the Internet is widely used to search, observe, and output necessary information. In such an information server, various events are performed to members. For example, they may provide electronic coupons (electronic vouchers) or provide mileage and / or cashback (especially electronic money) scores.

However, the membership management card (ie, magnetic card) owned by the customer is issued to each service provider, so that the customer member carries and manages various member management cards considerably.

In addition, it is very cumbersome to withdraw a certain amount of money with a bank account or to prepay / debit a card, or to manage a bank account for each bank, especially a cash card or a debit card issued by a bank. Prepaid cards are not only common in the form of magnetic cards but also credit cards are issued in the form of magnetic cards. Accordingly, when a plurality of credit cards are issued, it is difficult to carry and manage each credit card.

In particular, there is a possibility of information leakage of credit card when online e-commerce for internet-based electronic commerce or offline tangible / intangible service purchase. Therefore, the possibility of information leakage is suppressed even when using credit card. The situation is necessary.

Moreover, in the case of a membership management card issued by a service provider (ie, a member merchant) or a prepaid card / debit card or a credit card of a bank, a magnetic stripe in which a member's unique information is recorded is formed on one side thereof, but the magnetic stripe is formed. If the information recorded in close to the magnetic material, information loss is feared.

In view of such circumstances, in recent years, the so-called 'smart card' has been proposed and applied in practical use to integrate and manage a large number of credit card information, but such smart card is not compatible with the integrated and compatible use of multiple types of cards. Because it is assumed to be the main function, the smart card only provides the convenience of use for many types of credit cards.

In the meantime, although an electronic terminal capable of managing a plurality of bank accounts has been proposed, in the case of the electronic terminal, only the deposit / withdrawal status and balance of the bank account can be inquired, so that various information (e.g., , Member management information, credit card information, business information, etc.) is not provided with the information editing / storage function.

In addition, electronic coupons provided from a number of information providing servers included in the Internet, which are in the spotlight recently, the need for integrated management of mileage / cashback information is assumed, and the countermeasures are taken. Integrated management of the situation is impossible.

In other words, smart cards for integrated management of credit cards and electronic terminals for integrated management of bank accounts have been proposed at present, but such media may be used for transactions of membership management information, business management information, credit cards or bank accounts. Since the history management information, electronic receipt management information, and electronic coupon / e-mail management about the situation are not integrated, there is still the inconvenience of owning and managing a large number of card media.

In particular, in the case of using various types of cards, the payment process is performed entirely at the terminal side installed in the merchant, and thus, in the payment processing process, problems such as double slip processing or errors in payment amount frequently occur. It is a trend.

In addition, since only the business card provider's personal information (eg, company name, position, address, phone number, etc.) is provided for the electronic business card or telephone number related to the business, the identification of each electronic business card is not very high. Subsequently, there is no guarantee for the electronic business card editing function, for example, by the electronic business card provider.

Moreover, in recent years, with the activation of the Internet, many netizens usually have more than one e-mail address, but the e-mail is usually externally available only through computers via data networks (i.e. the Internet). In general, it is difficult to confirm whether or not the e-mail is received.

Accordingly, the present invention has been made in view of the above-described prior art, and its main purpose is to include member management information, financial management information, business management information, e-mail information, and financial management history information generated online / offline. The present invention provides a portable information management medium capable of integrated management of various information, a processing system, and a method thereof.

In order to achieve the above object, according to a preferred embodiment of the present invention, a data input panel for inputting data relating to registration / query / edit / exchange of information, and the information in response to data input from the data input panel. A control unit in charge of the overall control function for registration / view / edit / exchange of a display, a display panel for displaying a screen for registration / view / edit / exchange of the information under control of the control unit, and subscriber information under control of the control unit Is stored in the subscriber information memory, a group of databases in which the registered information is classified and stored under the control of the controller, a data codec for the encryption / decryption processing of the exchanged information under the control of the controller, and under the control of the controller. It includes the operation / security program memory which stores the operation / security program for registration and exchange processing of information. W is composed of a portable information management medium.

According to the present invention, the exchange of information is carried out via a radio channel, and the radio channel is made of an infrared data exchange module or an RF data exchange.

The information may include personal information of the owner of the portable information management medium, member registration information and additional information for member merchants, financial information including credit card / bank account data, and electronic business card / phone number data. Message management information for the e-mail message, history information on the deposit and withdrawal of the credit card / bank account managed in the financial information, and advertising information provided by the member merchant.

In consideration of the above information, the database group stores a subscriber information memory in which personal information of the owner of a portable information management medium is stored, and the member management information and additional information (mileage / cacheback information) for the member. A member information database, a financial information database in which the financial information is stored, a business information database in which the business information is stored, a message management database in which the message management information is stored, a history information database in which the history information is stored, and the advertisement information is stored. Advertising information database is included.

The member information database includes a unique information storage area for storing unique information for initial registration in the member merchant and a member management information storage area including a member number issued by a corresponding member merchant.

The financial information database includes a unique information storage area for storing unique information necessary for registration of a credit card company and opening a bank account, a credit card information storage area for storing credit card information issued by the credit card company, and is issued by the bank. It consists of a bank account information storage area for storing information on the bank account, and a special card information storage area for storing information about prepaid card, debit card, electronic money.

The business information database includes a unique information storage area in which unique information including an electronic business card data of the owner of a corresponding portable information management medium is stored in advance, and electronic business card information stored in the electronic business card data transmitted from the outside. It consists of a storage area and a telephone number storage area where electronic business card data transmitted from the outside is stored.

The message management database includes a unique information storage area for storing an e-mail address of an owner of a corresponding portable information management medium, an e-mail management information storage area for storing e-mail message information transmitted to the e-mail address, and a corresponding portable type. An electronic coupon management information storage area for storing electronic coupon information provided from the outside in an information management medium.

The history information database includes a unique information storage area for storing unique information for inquiry of the history information, an electronic receipt information storage area for storing electronic receipt data accompanying payment by the credit card / bank account transfer, and the price. It consists of a payment information storage area for storing payment information about payment.

According to a preferred embodiment of the present invention, there is provided a portable information management medium for editing information; A data codec for exchanging information on the portable information management medium, a data codec for performing encryption / decryption processing of information exchanged between the portable information management medium by the data exchange unit, and the portable information management. A control unit for controlling the registration of the portable information management medium and the processing of information corresponding to the registration of the portable information management medium based on the information exchanged with the medium, and displaying a screen relating to the exchange of information with the portable information management medium. A display panel and its display panel driver, an operation / security program memory for storing an operation / security program for exchanging information with the portable information management medium, registration information of the portable information management medium and customer management to be transmitted to the portable information management medium. Customer information database and customer management information database and advertisement where information and advertisement information are stored A portable information management medium processing system comprising an information management medium processing terminal having an information database is provided.

The portable information management medium includes a data input panel for inputting data relating to registration, inquiry, editing, and exchange of the information with respect to the information management medium processing terminal, and in response to data input from the data input panel. A control unit in charge of the entire control function for registration / view / edit / exchange, a display panel for displaying a screen for registration / view / edit / exchange of the information under the control of the control unit, and subscriber information under the control of the control unit Stored in the subscriber information memory, a group of databases in which the registered information is classified and stored under the control of the controller, a data codec for the encryption / decryption processing of the exchanged information under the control of the controller, and under the control of the controller Includes operation / security program memory that stores operation / security program for registration and exchange processing of information It is open configuration.

Further, the information exchanged between the portable information management medium and the information management medium processing terminal includes member management information and additional information for a member affiliated store equipped with the information management medium processing terminal, and credit card / bank account data. Financial information, business information including electronic business card / phone number data, message management information for e-mail messages, history information on the deposit and withdrawal of the credit card / bank account managed in the financial information, advertising provided by the member merchant Information is included.

In addition, according to the present invention further includes a financial management server and a member management server for providing the information on the portable information management medium online, the information management medium processing terminal via the data communication network the financial management server Online access to the member management server.

The information management medium processing terminal controls to perform a new card subscription and use of the credit card to the portable information management medium in association with the financial information server under the financial information management function of the portable information management medium. In connection with the financial information server, it includes the control of issuing an electronic bank account of the bank account and executing the account transfer processing.

The information management medium processing terminal includes a control for performing an electronic receipt issuance process for the payment when the payment processing is performed by a payment method selected from a credit card and a bank account transfer registered on the portable information management medium. The portable information management medium will include a history management control for the electronic receipt.

The portable information management medium includes a control for exchanging / registering an electronic business card and telephone number with a portable information management medium corresponding to a business management function.

The information management medium processing terminal may include a control for transmitting the electronic coupon information provided from the member management server to the portable information management medium and executing the electronic coupon use procedure of the portable information management medium.

Preferably, according to the present invention, there is further provided a data exchange module for exchanging information with the portable information management medium and a computer terminal to which the data exchange module is connected, and the history management information of the portable information management medium is stored in the computer terminal. Stored.

According to a preferred embodiment of the present invention, a process for preparing a portable information management medium and storing the unique information in the portable information management medium; Registering the portable information management medium with an information management medium processing terminal based on the unique information; Executing a member management function by exchanging member management information between the portable information management medium and the information management medium processing terminal; Executing a financial information management function between the information management medium processing terminal and the portable information management medium; Executing a business information management function by the portable information management medium; Executing a management function of an e-mail message between the information management medium processing terminal and the mobile information management medium; Executing a history management function of the portable information management medium by the portable information management medium with the information management medium processing terminal; There is provided a portable information management medium processing method including a process for executing display of advertisement information during an operation standby of the portable information management medium.

Preferably, the storing of the unique information on the portable information management medium comprises storing personal information of the owner in the subscriber information memory of the corresponding portable information management medium, and registering member information applied to the member information management function. Storing the unique information applied to the financial information management function in the financial information database, storing the unique information in the business information database for the business information management function, and storing the message management function. Storing the unique information including the e-mail address.

The registering of the portable information management medium on the information management medium processing terminal based on the unique information includes transmitting the unique information registered on the portable information management medium to the information management medium processing terminal, and processing the information management medium. Confirming whether the terminal is already registered based on the unique information, executing a new registration process as a customer member based on the verification result, and transmitting the new registration processing result to the portable information management medium. This is done to make it possible.

The new registration process includes signing up for a member merchant, issuing an electronic credit card from a credit card company, and issuing an electronic bank account from a bank.

The process of executing a member management function by exchanging member management information between the portable information management medium and the information management medium processing terminal may include transmitting member information from the portable information management medium to the information management medium processing terminal. And accumulating the additional information (bonus score / mileage score / cashback score) in the information management medium processing terminal based on the member information, and transmitting the result to the portable information management medium to be stored.

The process of executing the financial information management function with the information management medium processing terminal by the portable information management medium selects one payment means from a credit card and a bank account registered on the portable information management medium and selects the selected payment means. A payment amount by a payment means is directly input from the portable information management medium to the information management medium processing terminal, and the information management medium processing terminal performs payment processing by the selected payment means with the approval of the corresponding financial information server. And transferring the result of the processing to the portable information management medium so as to be stored as history information.

The financial information management function by the portable information management medium also includes checking the deposit and withdrawal status of the bank account from the information management medium processing terminal.

The process of executing the business information management function with the information management medium processing terminal by the portable information management medium selects one of the electronic card and telephone number data registered in the portable information management medium and transmits it externally. Making a step; Externally receiving and storing electronic business card and telephone number data; The electronic business card has a predesigned electronic business card form in a corresponding portable information management medium and is registered in advance and exchanged for the design form.

The step of executing the management function of the e-mail message between the information management medium processing terminal by the portable information management medium transmits an e-mail address registered in the portable information management medium to the information management medium processing terminal. The information management medium processing terminal is configured to search for an e-mail message corresponding to the corresponding e-mail address, and transmit the e-mail message transmitted to the corresponding portable information management medium to the portable information management medium for confirmation.

In the process of executing the history management function of the portable information management medium by the portable information management medium with the information management medium processing terminal, the payment details of the credit card and the deposit of bank account / It receives and withdraws the withdrawal status from the information management medium processing terminal, and stores an electronic receipt transmitted from the information management medium processing terminal in response to the payment, and also stores the electronic coupon information transmitted externally. The electronic receipt is externally transmitted and stored in the mass information storage medium from the portable information management medium.

And displaying the advertisement information provided to the portable information management medium from the information management medium processing terminal in the operation pause period of the portable information management medium.

According to the present invention described above, member management information subscribed to a plurality of member franchises can be integrated by a single portable information management medium, and a credit card or a bank account issued by a financial institution can be credited to the portable information management medium. Online / offline payment is possible by registering card information and bank account information, management of business-related information including specific business card and confirmation of incoming status of e-mail message, and online / offline In the case of a normal payment, the payment information is made directly while the portable information management medium checks visually, the payment information is delivered to the information management medium processing terminal, and the payment is made. The history of the payment, the electronic receipt or the deposit and withdrawal of the bank Has become available on this portable information management medium .

1 is a block diagram showing the configuration of a portable information management medium having an information editing function and a processing system thereof according to a preferred embodiment of the present invention;

2 is a view showing an appearance configuration of a portable information management medium according to the present invention by way of example;

3 is a functional block diagram of a portable information management medium according to the present invention;

4A is a schematic diagram illustrating an information storage area of the member information database of FIG. 3;

4B is a schematic diagram illustrating an information storage area of the financial information database of FIG. 3;

4C is a schematic diagram illustrating an information storage area of the business information database of FIG. 3;

4D is a schematic diagram illustrating an information storage area of the message management database of FIG. 3;

4E is a schematic diagram illustrating an information storage area of the history information database of FIG. 3;

5 is a functional block diagram of a portable information management medium processing system according to the present invention shown in FIG.

6 is a flowchart illustrating an information editing processing function of a portable information management medium and its processing system according to the present invention;

7 is a view showing an initial screen of a portable information management medium according to the present invention illustratively;

8 is a view showing a menu screen of a portable information management medium according to the present invention by way of example;

9 is a view for explaining the function of the electronic calculator of the portable information management medium according to the present invention;

10A to 10F are views for explaining an operation example of a portable information management medium according to the present invention;

11A and 11B illustrate a business information management function by a portable information management medium according to the present invention;

12A and 12B illustrate a mail management function by a portable information management medium according to the present invention;

13A and 13B illustrate a financial information management function by a portable information management medium according to the present invention;

14 is a block diagram illustrating a processing system of a portable information management medium according to another embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

10,10 ': portable information management medium, 20: information management medium processing system,

30: data communication network, 40: financial information server,

40: member management server, 106: display panel,

130: control unit, 136: member information database,

138: financial information database, 140: business information database,

206: Database.

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

1 is a block diagram showing the configuration of a portable information management medium having an information editing function and a processing system thereof according to a preferred embodiment of the present invention.

In the drawing, reference numeral 10 denotes a portable information management medium according to the present invention capable of managing various types of information, and 10 'denotes business management information (e.g., business card information, contactable telephone) with the portable information management medium 10. Number, etc.) or a separate portable information management medium capable of exchanging electronic coupons to be described later, and 20 denotes a portable information management medium 10 or 10 for processing information selected from the portable information management medium 10; Represents an information management medium processing terminal responsible for providing information generated for ").

Here, the portable information management medium 10 and the information management medium processing terminal 20 are connected to each other via a wireless channel in consideration of the possibility of illegal copying (or decryption), for example, when a wired channel is employed. It is preferable that the wireless channel be exchanged with information data by mutual RF signal or infrared signal. However, when the security of the wired channel is guaranteed, the wireless channel may be connected through a wired channel (ie, an interface connector). do.

In FIG. 1, reference numeral 30 denotes the information management medium processing terminal 20 and the financial information server 40 or member management for exchanging information data via the wireless channel with the portable information management medium 10; 10 '. Represents a data communication network for ensuring the connection with the server 50.

Preferably, the information management medium processing terminal 20 is configured to have a dedicated or integrated function for the portable information management medium 10 according to the present invention, when performing a function for member management offline It is installed in member franchises that provide tangible / intangible services to customers (e.g., fast food restaurants, ---, beauty salons, etc.) and is a form of terminal for management of corresponding customer members, or mileage / cashback to customers online It is a type of terminal installed in a customer management company (eg, an internet content company, etc.) to provide a bonus score.

In addition, the financial information server 40 includes at least one bank server and at least one credit card server registered in the portable information management medium 10, the member management server 50 is the information management medium processing terminal 20 is a form of a member management server such as an Internet content company that manages the portable information management medium 10 online by being connected to enable data communication through the data communication network 30.

FIG. 2 is a view illustrating an external configuration of a portable information management medium 10 according to the present invention. The portable information management medium 10 ′ is formed at the front end of the data input panel 100 of the portable information management medium 10. Data exchange element 102 for data exchange with the information management medium processing terminal 20, or the data exchange element 102 is an infrared light emitting / receiving module or RF (Radio Frequency). Modules are preferably employed.

In addition, the solar cell module 104 for generating the operating power of the corresponding portable information management medium 10 is installed at a predetermined position of the data input panel 100, the portable information management medium 10 according to the present invention. Is not limited to the solar cell module 104 but may be generated by employing a rechargeable battery or a mercury cell, for example.

On the data input panel 100, a display panel 106 made of, for example, an LCD panel for visually displaying the current operating state of the portable information management medium 10 according to the present invention is provided. 10) a power button 108 for power on / off, and a menu button 110 for selecting all functions added to the portable information management medium 10, and the selection of specific functions and their functions. A confirmation button 112 for confirming the data setting of the user, a correction button 114 for correcting the information input state, a cancel button 116 for invalidating the specific function and the data input state, and searching the execution history of the specific function Inquiry button 118, 10-key 120 for direct setting of a menu displayed on the display panel 106 and data input, 4 for setting a displacement of a cursor on the display panel 106; Direction key 122 and And a registration button 124 for setting information registration processing for the portable information management medium 10.

Figure 3 shows a functional block diagram of a portable information management medium according to the present invention, the control unit 130 is the portable information management medium (10 ') or the information corresponding to the data input of the data input panel 100; The exchange of the encrypted information with the management medium processing terminal 20 and the processing / storage thereof are controlled as a whole, and the display panel driver 132 has a specific function on the display panel 106 under the control of the control unit 130. This will allow the display of data for.

In addition, the subscriber information memory 134 registers / stores personal information of the owner of the portable information management medium 10 (for example, main ID data and password of the portable information management medium). The member information database 136 includes member information (e.g., name, member, etc.) from a service company (e.g., fast food store, shopping store, gas station, ---, beauty salon, etc.) subscribed by the portable information management medium 10. Number, address, social security number, ID data, password, etc.), the member information database 136 is an individual required to register / exchange information with a service company by the portable information management medium 10, referring to FIG. A unique information storage area 136a in which information (e.g., name, address, contact telephone number and, if necessary, identification data (ID data or password) for initial activation of the corresponding portable information management medium) is stored; First to Nth member information storage areas 136b in which the membership information of the first to Nth service companies registered by the portable information management medium 10 is classified and stored, and miles provided by each service company. The additional information storage area 136c may store ridge information, bonus score information, and cache back information, and the additional information storage area 136c may be included in the first to Nth member information storage areas 136b. .

In addition, the financial information database 138 stores financial information for management by the portable information management medium 10. The financial information database 138 refers to the portable information management medium 10 with reference to FIG. 4B. A unique information storage area (138a) in which personal information (e.g., name, address, work name and address, contact telephone number, etc.) necessary for registration / information exchange for a financial company managed by the company is recorded, and its portable information management medium ( 10th to 1st N credit cards that store information (e.g., card number, name, expiration date, mileage / cashback information intermediated on the credit card, etc.) of the first to Nth credit card companies subscribed by 10). Card information storage area (138b), the first to store information (for example, account number, account holder name, transaction status and balance, etc.) for the first to the N-th bank account subscribed by the portable information management medium 10; N-bank account information book A long field 138c, and a debit card information storage area 138d and a prepaid card information storage area 138e, which optionally store a debit card or prepaid card information stored by the portable information management medium 10. In addition, the financial information database 138 may store information related to insurance products or information related to securities products, if necessary.

In FIG. 3, the business information database 140 stores personal work information managed by the portable information management medium 10. The business information database 140 includes the portable information management medium 10 when referring to FIG. 4C. ) 'S business card information (company name, company address, department name and position, name, phone number, fax number, e-mail address, etc.) and personal telephone number (e.g., contact phone number and e-mail address) Etc.) is stored in a specific design form, the unique information storage area 140a, and the business card management information storage area 140b in which the electronic business card of another person received from the portable information management medium 10 'is stored, and the portable information thereof. The personal phone number received from the management medium 10 'is composed of a phone number information storage area 140c in which the phone number is classified.

In addition, the message management database 142 of FIG. 3 includes information on a reception state of an e-mail transmitted to the owner of the portable information management medium 10 via the data communication network 30, for example, a member. The management server 50 is provided online to the corresponding portable information management medium 10 through the data communication network 30 and the information management medium processing terminal 20 or only the information management medium processing terminal 20 is provided. Electronic coupon information that is provided offline by the store is stored, the message management database 142, the owner of the portable information management medium 10, referring to Figure 4d is at least one data communication service company (that is, electronic The e-mail address issued by the postal service company and personal information if necessary (ie name, English name, resident registration number, address and contact telephone number as basic personal information for registration with the e-mail service company). Etc.), an e-mail management information storage area 142b in which e-mail information received by the owner of the portable information management medium 10 is stored, and the portable information management medium ( 10) the electronic coupon management information storage area 142n for storing electronic coupon information provided to the side. Preferably, the electronic coupon includes a gift certificate or a discount ticket. More preferably, the message management database 142 may store, for example, a movie watching ticket, a sports watching ticket, a ticket, and reservation information for leisure / tourism.

In FIG. 3, the history information database 144 stores a payment history by the portable information management medium 10, and an inquiry result about an electronic receipt and a bank account's entry / exit status and balance related to the payment. Referring to FIG. 4E, the information database 144 stores a unique information storage area 144a in which the owner of the portable information management medium 10 stores unique information (eg, a password) for accessing the history information database 144. And a payment information storage area 144b in which payment information by online / offline credit / debit card / prepaid card and / or bank account transfer is stored and electronic receipt information corresponding to the payment is stored. Area 144n.

In addition, in FIG. 3, the advertisement information database 146 downloads and stores advertisement information of a member affiliate or a selective company to which the portable information management medium 10 is affiliated, and the advertisement information includes advertisements of companies or specific products. Advertising information or event information of the company is included.

In FIG. 3, the data codec 148 is a cryptographic process (security processing and electronic authentication, if necessary) for the exchange of the information data between the portable information management medium 10 'or the information management medium processing terminal 20. And the decoding process.

The data exchange unit 150 exchanges the information data through the data exchange element 102 between the portable information management medium 10 'or the information management medium processing terminal 20.

In addition, the operation / security program memory 152 exchanges / registers / stores the above information and encrypts the information between the portable information management medium 10 'and the information management medium processing terminal 20. The electronic authentication) and the program applied to the decryption process.

Preferably, according to the present invention, the portable information management medium 10 may be configured as a portable dedicated medium, or may be in the form of an electronic notebook capable of accommodating the above functions or as a portable terminal (for example, a portable telephone).

5 is a functional block diagram of the information management medium processing terminal for processing the portable information management medium according to the present invention shown in FIG.

The information management medium processing terminal 20 has different functions and information provided for the portable information management medium 10 for each company, but in the case of an affiliated company, it is possible to provide functions and information that are mutually compatible. .

The information management medium processing terminal 20 is equipped with an infrared module or an RF module corresponding to the data exchange element 102 applied to the portable information management medium 10 to exchange information data with the data exchange unit 150. A data codec 204 for decrypting the information data from the data exchange unit 202 or for encrypting the information data to be transmitted to the portable information management medium 10; and It includes a control unit 206 in charge of the overall control for performing information exchange and post-processing for the portable information management medium (10).

In addition, the information management medium processing terminal 20 controls the display panel driver 208 and the display panel for controlling the screen display of a specific function set by the portable information management medium 10 under the control of the control unit 206. Under the control of the drive 208 is made of a display panel 210 made of, for example, an LCD panel to visually display the screen of the specific function. In this case, the display panel 210 is more preferable if a touch screen function capable of a touch type selection for the function assumed in the portable information management medium 10 is added, but is required in the portable information management medium 10. A separate data input panel (not shown) having various function buttons for setting and registering / transmitting a specific function may be provided.

In addition, the information management medium processing terminal 20 is an operation / security program stored in the operation / security program memory 152 of the portable information management medium 10 for data exchange compatible with the portable information management medium 10. A database 214 in which the customer information of the portable information management medium 10 subscribed to be managed by the operation / security program memory 212 and the corresponding information management medium processing terminal 20 is stored. , Customer management information database 216 that stores the mileage information, bonus score information, cashback information, etc. provided through the portable information management medium 10 to the corresponding customer and the advertisement information (event information or company to be provided to the customer) Promotional information, etc.) is included in the advertisement information database 218 is stored.

In addition, when the corresponding information management medium processing terminal 20 is an online type terminal connected to the financial information server 40 or the member management server 50 via the data communication network 30, the online connection is performed. Although the data interface 220 is included, the data interface 220 is not necessary if the information management medium terminal 20 is installed offline.

Hereinafter, the operation of the portable information management medium and the processing system according to the present invention will be described focusing on the functions and operations of the portable information management medium.

First, when the registration button 124 provided in the data input panel 100 of the portable information management medium 10 is operated, a screen for inputting information on a function added to the portable information management medium 10 is displayed. Displayed on the display panel 106 through the display panel driver 132 under the control of the controller 130 under the support of an operation program registered in the operation / security program memory 152, and based on the screen. The input data of the subscriber information is stored in the subscriber information memory 134, and the unique information necessary for member management is stored in the unique information storage area 136a of the member management information database 136 based on the items displayed on the screen. Is registered in the unique information storage area 138a of the financial information database 138, and unique information necessary for business management is registered in the business information data. The unique information storage area 140a of the database 140 is registered, and unique information necessary for message management is registered in the unique information storage area 142a of the message management database 142.

In addition, if necessary, identification data (ID data and password) can be input on the initial screen of the corresponding portable information management medium 10 in consideration of the security of the initial operation. The verification may be performed to ensure that the following functions are performed only when they match.

In this state, when the operation of the power button 108 on the data input panel 100 is performed for practical use of the portable information management medium 10 (step 300 of FIG. 6), the portable information management medium ( 10 is activated, an initial screen of the type illustrated in FIG. 7 is displayed on the display panel 106 under the control of the controller 130.

In this state, the controller 130 waits for a subsequent input from the data input panel 100. When the subsequent input does not occur in the standby state, that is, the controller 130 is predetermined in the data input panel 10. If the operation of the menu button 110 is not made within the time (NO in step 304 of FIG. 6), the controller 130 reads the advertisement information stored in the advertisement information database 146 and the display panel driver 132. Through the display panel 106 to be displayed through, the display of such advertisement information is not necessarily a procedure to be executed, but is selectively executed when necessary.

In contrast, when the menu button 110 of the data input panel 10 is operated (YES in step 304 of FIG. 6), the display panel 106 is illustrated in FIG. 8 under the control of the controller 130. The entire functional items added to the portable information management medium 10 are displayed in the form.

In the state where the function item is displayed, the controller 130 waits for a subsequent menu selection input, and when the electronic calculator function is selected during the waiting (i.e., YES in step 308 of FIG. 6), the control procedure is executed. In step 310, the display panel 106 displays a screen for the electronic calculator function of FIG. 9, and accordingly, performs the electronic calculator function by using the 10-key 120 or illustrated in FIG. 9. The alarm function 400 or the display 402 of the calendar is executed.

In contrast, when the electronic calculator function is not selected (NO in step 308 of FIG. 6), the control unit 130 proceeds to the control procedure 312 to determine whether the member management function is selected in the function item.

As a result of the determination, when the member management function is selected (that is, YES in step 312 of FIG. 6), the controller 130 proceeds to step 314 of FIG. 6 to control the execution of the member management function. Control of management functions includes the initial registration process for a particular service provider and the processing of its actual use in the registered state.

Here, when the first registration process relating to the member management function is briefly described, the controller 130 reads the unique information stored in the member information database 136 and transfers it to the data codec 148. The data codec 148 encrypts the unique information based on the security program stored in the operation / security program memory 152 to provide the data exchange unit 150 to the data exchange unit 150. The data exchange element 102 is driven based on the encrypted unique information data so that the unique information data is transmitted to the information management medium processing terminal 20 installed in a specific service company.

When the information management medium processing terminal 20 receives the unique information data from the portable information management medium 10 through the data exchange element corresponding to the data exchange element 102, the unique information data is the data. The data codec 204 is transmitted to the data codec 204 through the exchange unit 202, and the data codec 204 decodes the unique information data based on the security program stored in the operation / security program memory 212. The control unit 206 is transferred.

Then, the controller 206 searches the customer information database 214 to determine whether the customer of the unique information data is a registered customer member, and if the result is not a registered customer, the unique information data. Based on the member management information (for example, the name and member number of the service provider) is generated and registered as a customer member in the customer information database 214.

Here, if necessary, identification data (ID) of the portable information management medium 10 is prevented by the portable information management medium 10 in order to prevent abnormal access to the information management medium processing terminal 20 of the corresponding service provider. Data and password) is required to be included in the member management information stored in the customer information database 214.

When the customer member registration procedure is executed, the control unit 206 causes the member management information (eg, service provider ID data and member number) to be encrypted through the data codec 204 and the encrypted member management information. Is transmitted to the portable information management medium 10 through the data exchange unit 202.

When the data exchange element 102 of the portable information management medium 10 receives member management information transmitted from the information management medium processing terminal 20, the member management information is transmitted through the data exchange unit 150. The decoded member management information is transmitted to the data codec 148 and stored in the first to Nth member information storage areas 136b of the member information database 136 under the control of the control unit 130. do.

By the member registration procedure described above, the owner of the portable information management medium 10 enables electronic registration with various service providers.

On the other hand, when the actual use is performed in the state where registration is made by the above-described procedure, the owner of the portable information management medium 10 pays for a tangible / intangible service or product at a specific service company. In this case, for example, when the search button 118 of the data input panel 100 is operated to search for a name of a corresponding service provider, and then the confirmation button 112 is operated, the controller 130 controls the member information database 136. Read the member management information of the corresponding service provider to perform encryption processing by the data codec 148, and the encrypted member management information is exchanged under the operation of the data exchange unit 150. The element is transmitted from the element 102 to the information management medium processing terminal 20 side.

The member management information is transmitted from the data exchange unit 202 to the data codec 204 and then decoded and then applied to the control unit 206. Accordingly, the control unit 206 is configured to perform the member management information based on the member management information. The customer information database 214 is searched to determine whether it is a normal customer member. If the result is normal membership management, the mileage or cashback information to be added to the portable information management medium 10 corresponding to the customer information database 216 is determined. In addition to the accumulation process, the event information or the advertisement information to be delivered to the portable information management medium 10 is read from the advertisement information database 218, and the portable information is transmitted through the data codec 204 and the data exchange unit 202. It is to be delivered to the management medium 10 side.

The controller 130 of the portable information management medium 10 adds the mileage / bonus / cacheback information provided from the information management medium processing terminal 20 based on the data exchange procedure to the member information database 136. In the information storage area 136c, for example, advertisement information is stored in the advertisement information database 146.

On the other hand, when the information management medium processing terminal 20 is installed in a service company (member affiliated store) of the chain store type, for example, the information management medium processing terminal 20 via the data communication network 30 to the member management server ( 50), the information management medium processing terminal 20 registers and updates the member management information for the portable information management medium 10 by the above-described process. Will be executed in conjunction with (50).

In addition, when it is determined in step 312 of FIG. 6 that the controller 130 determines that the member management function is not selected, the control unit proceeds to step 316 to execute the financial information management function. The financial information management functions include management of credit card information, management of bank account information, and management of debit card / prepaid card (especially electronic money management functions) information.

That is, in general, a bank account is issued at the time of opening an account for each bank, a credit card is issued for each credit card company, and a debit / prepaid card for charging and using a specific amount is also made separately. If the portable information management medium according to the application is excluded from the issue of a separate credit card or bank account and / or debit / prepaid card, the information of the account information / credit card information / debit card / prepaid card to the portable information management medium (10) Registering only allows online / offline usage.

First of all, when the credit card company is issued a process for issuing a credit card, the owner of the portable information management medium 10 operates the registration button of the data input panel 100 to display the screen for credit card issuance. When the confirmation button 112 is operated while being displayed on the panel 106, the unique information data stored in the unique information storage area 138a of the financial information database 138 is controlled under the control of the controller 130. It is encrypted by the codec 148 and transmitted to the information management medium processing terminal 20 of a credit card company or a bank that issues a credit card through the data exchange unit 150 and the data exchange element 102.

When the information management medium processing terminal 20 receives the unique information data from the portable information management medium 10 through the data exchange element corresponding to the data exchange element 102, the unique information data is the data. The data codec 204 is transmitted to the data codec 204 through the exchange unit 202, and the data codec 204 decodes the unique information data based on the security program stored in the operation / security program memory 212. The control unit 206 is transferred.

Then, the control unit 206 searches the database (not shown) of the credit management company's financial management server 50 via the customer information database 214 or the data communication network 30, so that the customer of the unique information data It is determined whether the customer is a registered customer member, and if the result is not a registered customer, the credit card member management information (for example, the name, card number, expiration date, Monthly usage limit, cash service limit, overseas use limit, card company telephone number, etc.) are generated and registered as a customer member in the customer information database 214 or the database of the financial information management server 50.

Then, the control unit 206 of the information management medium processing terminal 20 transmits identification data (e.g., ID data and password) and payment for applying the credit card to the portable information management medium 10 in actual use. When the identification data is inputted by inputting the date and payment bank account on the screen, the identification data is added to the credit card member management information and stored in the customer information database 214 or the data communication network 30 is mediated. To store in the database of the credit card company's financial information management server 40.

In addition, the control unit 206 encrypts the credit card member management information (except identification data) in the data codec 204 and then drives the portable information management medium by driving the data exchange unit 202. To be transmitted to (10).

Here, if necessary, the control unit 206 may be provided to the portable information management medium 10 by applying an electronic authentication system in support of the financial information management server 40 to guarantee the credit card. .

When the data exchange element 102 of the portable information management medium 10 receives the credit card member management information transmitted from the information management medium processing terminal 20, the credit card member management information is transferred to the data exchange unit 150. The decoded credit card member management information is transmitted to the data codec 148 through the control unit 130, and the first to Nth credit card information of the financial information database 138 is controlled. It is stored in the storage area 138b.

According to the above member registration procedure, the owner of the portable information management medium 10 can access the necessary credit card company and receive an electronic credit card. When the electronic credit card is actually used, the portable information management medium ( When 10) selects a registered credit card, a specific design shape of the credit card is displayed on the display panel 106, and when payment data (that is, payment amount and identification data) is input in that state, the payment data is displayed. Is applied to the information management medium processing terminal 20 side, the payment processing can be made.

Similarly, a process of opening an electronic bank account from a bank will be described. The owner of the portable information management medium 10 operates the registration button 124 of the data input panel 100 to open an electronic bank account. When the confirmation button 112 is operated while the screen for the display is displayed on the display panel 106, the unique information data stored in the unique information storage area 138a of the financial information database 138 is stored in the control unit. Under the control of 130, the data codec 148 is encrypted and transmitted to the information management medium processing terminal 20 side of the specific bank through the data exchange unit 150 and the data exchange element 102.

When the information management medium processing terminal 20 receives the unique information data from the portable information management medium 10 through the data exchange element corresponding to the data exchange element 102, the unique information data is the data. The data codec 204 is transmitted to the data codec 204 through the exchange unit 202, and the data codec 204 decodes the unique information data based on the security program stored in the operation / security program memory 212. The control unit 206 is transferred.

Then, the controller 206 searches the database (not shown) of the financial management server 50 of the corresponding bank via the customer information database 214 or the data communication network 30 so that the customer of the unique information data has already been made. It is determined whether the customer is an opened account member, and if the result is not a registered customer, account management information (for example, name and account number of the corresponding bank) is generated based on the unique information data. It is registered as a customer member in the information database 214 or the database of the financial information management server 40.

Then, the control unit 206 of the information management medium processing terminal 20 inputs identification data (for example, ID data and password) to be applied to the portable information management medium 10 in the actual use of the corresponding bank account. When the identification data is inputted on the screen and the identification data is input, the identification data is added to the account management information and stored in the customer information database 214 or the financial information management of the corresponding credit card company through the data communication network 30. It is stored in the database of the server 40.

In addition, the controller 206 encrypts the account management information (except identification data) in the data codec 204 and then drives the portable information management medium 10 by driving the data exchange unit 202. ) Will be sent.

Here, if necessary, the control unit 206 is preferably provided to the portable information management medium 10 by applying an electronic authentication system in support of the financial information management server 40 to guarantee the bank account. .

When the data exchange element 102 of the portable information management medium 10 receives the account management information transmitted from the information management medium processing terminal 20, the account management information is transferred to the data exchange unit 150. The decoded account management information is transmitted to the data codec 148, and the decoded account management information is stored in the first to Nth bank account storage areas 138c of the financial information database 138 under the control of the controller 130. do.

According to the above member registration procedure, the owner of the portable information management medium 10 can access the necessary bank to open an electronic bank account, and when the electronic bank account is actually used, the portable information management medium ( When 10) selects a registered bank account, the design shape of the bank account of the bank account is displayed on the display panel 106, and in this state, the deposit, withdrawal, balance, etc. can be inquired, and the payment ( For example, when payment data (ie, payment amount, identification data, and account number of a transfer target) is inputted when necessary, the payment data is applied to the information management medium processing terminal 20 and payment processing is performed. It can be done.

In addition, similar to the above process, the portable information management medium 10 enables the registration and payment processing of debit or prepaid card information of a specific bank, and in particular, registration and registration of information about electronic money applied to electronic commerce. Payment processing is also possible.

If the financial information management function is not selected at step 316, the controller 130 proceeds to step 320 of FIG. 6 to display a business management function among menu items displayed on the display panel 106. If it is determined that the business management function is selected, the process proceeds to step 322 to execute the business management function.

That is, the business management function assumes the exchange of electronic business cards and the exchange of personal information (telephone number, etc.) between the corresponding portable information management medium 10 and the portable information management medium 10 ', for example. In the present invention, not only is the management troublesome when exchanging the real name card, but also when the electronic medium (for example, an electronic notebook or a mobile phone, etc.) is used, it is necessary to input information directly. This enables real-time exchange and registration / storage of electronic business card data or personal information.

Therefore, when the business management function is selected, the control unit 130 displays on the display panel 106 such that an item for exchanging electronic business cards and an item for exchanging personal information are made. After the exchange item of the electronic business card is selected, the corresponding portable information management medium 10 and the portable information management medium 10 ′ to which the electronic business card is exchanged are located opposite to each other to select 'transmit'. ) Is an electronic business card (for example, see FIG. 11A) registered by the owner of the corresponding portable information management medium 10 registered in the unique information storage area 140a of the business information database 140. It is transmitted from the data exchange element to the portable information management medium 10 'side.

On the other hand, when the electronic card data is transmitted from the portable information management medium 10 'to the corresponding portable information management medium 10, the electronic card data is received from the data exchange element to receive the data exchange unit 150. Decoded by the data codec 148 and applied to the control unit 130, accordingly, the control unit 130 receives the electronic business card data received from the portable information management medium (10 ') of the business management database 140 It is stored in the business card management information storage area 140b so that the business card information can be checked as necessary.

Similarly, the exchange of personal information (e.g., FIG. 11B) on the display panel 106 is also performed based on the above-described process, and accordingly, personal information is input by setting a memory address in an electronic notebook or a mobile phone, for example. The hassle that has to be removed is eliminated.

When the business management function is not selected on the menu screen, the controller 130 determines whether the e-mail management function is selected by shifting the control procedure to step 324. In step 326, the electronic mail management function is executed.

According to the e-mail management function, the information management medium processing terminal 20 must be linked to the member management server 40 that provides an e-mail service through the data communication network 30, the information management medium processing terminal ( 20, when the message confirmation under the e-mail management function of the portable information management medium 10 is inputted, the controller 130 corresponds to the corresponding information registered in the unique information storage area 142 of the message management database 142. The owner's e-mail address (E-mail Add) of the portable information management medium 10 is transmitted.

Then, the control unit 206 of the information management medium processing terminal 20 searches for a message corresponding to the e-mail address of the corresponding portable information management medium 10 downloaded to the customer management information database 216, and the message. Is transmitted to the portable information management medium 10 side.

Accordingly, the controller 130 of the portable information management medium 10 transmits the e-mail message received from the information management medium processing terminal 20 to the e-mail management information storage area 142b of the message management database 142. As it is stored, the e-mail can be confirmed on the data input panel 100.

In addition, an electronic coupon (and electronic gift certificate, which is issued online at the information management medium processing terminal 10 and / or the member management server 50 or registered in the portable information management medium 10 'for member management, Electronic money (e-money, electronic lottery, etc.) information from the information management medium processing terminal 10 or the portable information management medium 10 'according to the data processing described above, the portable information management medium (10). The control unit 130 of the portable information management medium 10 is stored in the electronic coupon management information storage area 142n of the message management database 142 when the information of the electronic coupon is received. In use, the electronic coupon selected by the controller 130 so that the electronic coupon information is displayed on the display panel 106 in the form illustrated in FIG. 12B is the information management medium processing terminal 20 or the portable information management medium 10 '. While transmitting to the In the electronic coupon management information storage area 142n, the corresponding electronic coupon information is erased.

If the e-mail management function is not selected as the determination result of step 324, the controller 130 proceeds to step 328. If the history information management function is selected, the financial transaction situation in which the transaction is made by the portable information management medium 10 is performed. And it is possible to query the history of the electronic receipt information, if the history information management function is selected, the controller 130 reads the history information stored in the history information database 144 and displayed on the display panel 106 (See FIGS. 13A and 13B).

If the history information management function is not selected as a result of the determination in step 328, the process proceeds to step 332 to determine whether the power is turned off. When all the procedures are terminated when the power is turned off, the power is not turned off. The control procedure is returned to the initial stage.

Here, a practical use example will be described in a state in which a member management function, a financial information management function, and a history management function are registered in the portable information management medium according to the present invention.

First, when the menu button 110 is operated, the controller 130 of the portable information management medium 10 displays the entire menu items on the display panel 106. In this state, for example, the member management function is selected. The controller 130 causes all member affiliates registered in the member information database 136 to be displayed on the display panel 106 (see FIG. 10A).

In this state, when a specific company is selected and the inquiry button 404 displayed on the display panel 106 is selected, information related to the selected member affiliate is displayed (see FIG. 10B), and payment for the selected member affiliate is performed. When the button 406 is selected, the payment screen shown in FIG. 10C is displayed on the display panel 106.

If a payment method (eg, a credit card) is selected after inputting a payment amount by the 10-key 120 on the payment screen (see FIG. 10C), the controller 130 is in the form illustrated in FIG. 10D. The specific shape of the credit card is displayed on the display screen 106, so that the user can be guided to enter a password and payment method (one-time payment, installment, and installment month), and the payment amount, password, and payment method are selected according to the guidance. After the confirmation button 408 is manipulated, the control unit 130 may control the payment data (ie, the name (ID data) and card number, password, payment amount, payment method, expiration date, etc.) of the credit card company. Information is encrypted by the data codec 148 and then transmitted to the information management medium processing terminal 20 in the manner described above.

Then, the control unit 206 of the information management medium processing terminal 20 from the data interface 220 to the financial information server 40 of the selected credit card company through the data communication network 30, the payment data of the credit card When the approval data from the financial information server 40 is sent back to the control unit 206 through the data communication network 30, the control unit 206 and the data codec 204 The portable information management medium 10 is notified of the approval status through the data exchange unit 202.

Accordingly, the control unit 130 of the portable information management medium 10 displays (eg, FIG. 10E) payment information based on the approval on the display panel 106, while the information management medium processing terminal 20 is displayed. The electronic receipt (for example, see FIG. 10F) issued under the control of the control unit is received and stored in the history information database 144 to enable inquiry under the history management function.

When the deposit / withdrawal status of a bank account is downloaded and stored from the information management medium processing terminal 20 by the information management medium 10, the situation can be checked only by the information management medium 10. do.

On the other hand, the present invention is not limited to the above examples, for example, the electronic receipt information received under the history management function, the computer terminal 500 shown in Figure 14 and the data exchange module associated with the computer terminal 500 Through 500a, the portable information management medium 10 may be stored in the mass memory medium of the computer terminal 500.

In this case, the computer terminal 500 is connected to the financial information server 40 or the member management server 50 via the data communication network 30, for example, to receive and exchange electronic coupons, It is preferable to apply the portable information management medium 10 according to the present invention to various reservations related to payment, cyber securities trading and leisure / travel.

Furthermore, the computer terminal 500, the member management server 50, and the portable information management medium 10 according to the present invention (in this case, a portable telephone or an Internet telephone) are constituted by a data communication network. It is more preferable that the management server 50 provides the electronic business card data of various designs so that the electronic business card data can be transmitted to the portable information management medium 10 side.

In addition, the present invention is not limited to the above examples, and various changes and modifications can be made without departing from the technical gist and gist of the present invention for the owner of the portable information management medium to edit and use necessary information. to be.

As described above, according to the portable information management medium and the processing system and method thereof according to the present invention, the issuance of the magnetic card issued for the member management in the member merchant is actively suppressed to prevent the waste of resources and the portable information management medium. The owner does not have to own and carry a large number of membership management cards, and in this respect, the member store can provide the best service to the members while reducing the economic burden of issuing the magnetic cards issued to the members.

In addition, according to the present invention, issuance of a separate magnetic card or a bank account is excluded from a credit card company and a bank, and a member may use various types of credit card / bank account / prepaid card / debit card / in a single portable information management medium. As the information of electronic money and electronic coupons can be registered, stored, and tracked in an integrated manner, the inconvenience of having to own multiple credit cards, bank accounts, and magnetic cards for different purposes is eliminated. The cost of issuing various types of magnetic cards linked to the bank account and the bank account is restrained as much as possible, thereby reducing the economic burden.

Furthermore, according to the present invention, as business cards exchanged personally and officely can be exchanged electronically by the portable information management medium, the inconvenience of having to manage the business cards or taking down a phone number is eliminated. Providing the design of the various types of electronic business card, the exchange effect of the electronic business card is further improved, and when the business card management function according to the present invention is linked to a mobile phone or a computer terminal, it becomes possible to manage the business card more effectively. To be quite advantageous.

In addition, according to the present invention, as the history and payment status of various credit cards and bank account transfers are collectively managed by the portable information management medium, confirmation of credit card usage history and payment amount or transaction history of the bank is confirmed. This is also possible offline.

More importantly, according to the present invention, when the purchase price of a tangible or intangible service or product is paid with a credit card, the personal information related to the credit card is generally settled as the payment processing is performed mainly on the terminal installed at the business side. There is a possibility of leakage or damage caused by duplicate processing or over-input of the payment price, but the portable information management medium of the present invention stores the payment data in the state in which the owner directly inputs the payment data including the payment price. By transmitting to the management media processing terminal side, the possibility of leakage of personal information is greatly avoided.

In addition, the portable information management medium according to the present invention is guaranteed the possibility of editing the information, the maximum adaptability is considered when considering the use in various fields.

Claims (29)

A data input panel for inputting data relating to registration, inquiry, editing, and exchange of information; A controller in charge of an overall control function for registration / view / edit / exchange of the information in response to data input from the data input panel; A display panel for displaying a screen for registration / view / edit / exchange of the information under the control of the controller; A subscriber information memory for storing subscriber information under the control of the controller; A database group in which the registered information is classified and stored under the control of the controller; A data codec for encrypting / decrypting the exchanged information under the control of the controller; And an operation / security program memory in which an operation / security program for registering and exchanging information executed under the control of the control unit is stored. The portable information management medium according to claim 1, wherein the exchange of information is performed through a wireless channel, wherein the wireless channel is one of an infrared data exchange module and an RF data exchange method. The information of claim 1, wherein the information includes personal information of the owner of the corresponding portable information management medium, financial information including membership registration information and additional information for member merchants, and credit card / bank account data. Business information including data, message management information for the e-mail message, history information on the deposit and withdrawal of the credit card / bank account managed in the financial information, and portable information, characterized in that the advertising information provided by the member merchant Information Management Media. The subscriber station of claim 1 or 3, wherein the database group includes a subscriber information memory in which personal information of an owner of a portable information management medium is stored, and the member management information and additional information about the member (mileage / cache back information). A member information database is stored, a financial information database is stored the financial information, a business information database is stored the business information, a message management database is stored the message management information, a history information database is stored the history information, the advertisement Portable information management medium, characterized in that it comprises an advertising information database that stores information. The method of claim 4, wherein the member information database comprises a member information storage area including a unique information storage area for storing the unique information for the first registration in the member merchant and a member number issued by the corresponding member merchant. Portable information management medium. 5. The financial information database of claim 4, wherein the financial information database includes a unique information storage area for storing unique information necessary for registration of a credit card company and opening a bank account, and a credit card information storage area for storing credit card information issued by the credit card company. And a bank account information storage area for storing information on the bank account issued by the bank, and a special card information storage area for storing information on prepaid card / debit card / electronic money. 5. The business information database according to claim 4, wherein the business information database comprises a unique information storage area for storing unique information including a telephone number and a telephone number contactable with the owner of the corresponding portable information management medium, and electronic business card data transmitted from the outside. Portable information management medium, characterized in that consisting of the electronic business card information storage area is stored, the telephone number storage area is stored electronic data transmitted from the outside. 5. The message management database of claim 4, wherein the message management database stores a unique information storage area in which an e-mail address of an owner of a portable information management medium is stored, and e-mail message information transmitted to the e-mail address. And an electronic coupon management information storage area for storing electronic coupon information provided from the outside in a corresponding portable information management medium. 10. The electronic receipt of claim 8, wherein the history information database stores a unique information storage area for storing unique information for inquiry of the history information and electronic receipt data accompanying payment by credit card / bank account transfer. A portable information management medium comprising an information storage area and a payment information storage area in which payment information relating to the payment is stored. A portable information management medium for editing information; A data exchange unit for exchanging information on the portable information management medium; A data codec which performs encryption / decryption processing of information exchanged with the portable information management medium by the data exchange unit; A control unit for controlling the registration of the portable information management medium and the processing of information corresponding to the registration of the portable information management medium based on the information exchanged with the portable information management medium; A display panel for displaying a screen related to information exchange with the portable information management medium, and a display panel driver; An operation / security program memory for storing an operation / security program for exchanging information with the portable information management medium; Characterized in that the information management medium processing terminal having a registration information of the portable information management medium and the customer information database and the customer management information database and the advertising information database, which stores the customer management information and advertisement information to be delivered to the portable information management medium; Portable information management media processing system. 11. The portable information management medium according to claim 10, further comprising: a data input panel for inputting data relating to registration, inquiry, editing, and exchange of the information with respect to the information management medium processing terminal; and data input from the data input panel. A control unit in charge of an overall control function for registration / view / edit / exchange of the information in response to the display; a display panel for displaying a screen for registration / view / edit / exchange of the information under control of the control unit; A subscriber information memory in which subscriber information is stored under the control of the subscriber, a database group in which the registered information is classified and stored under the control of the controller, a data codec for the encryption / decryption processing of the exchanged information under the control of the controller, and An operation / security program that stores an operation / security program for registering and exchanging information executed under the control of a control unit. A portable information management medium processing system, comprising a RAM memory. The information exchanged between the portable information management medium and the information management medium processing terminal comprises: member management information and additional information about a member affiliated store equipped with the information management medium processing terminal, and a credit card / bank. Financial information including account data, business information including electronic business card / telephone number data, message management information for e-mail messages, history information on deposit and withdrawal of credit cards / bank accounts managed in the financial information, and the member merchant Portable information management media processing system, characterized in that it includes advertising information provided by. 13. The apparatus of claim 12, further comprising a financial management server and a member management server for providing the information on the portable information management medium online, wherein the information management medium processing terminal communicates with the financial management server through a data communication network. A portable information management medium processing system, characterized in that connected to the member management server online. 14. The information management medium processing terminal of claim 13, wherein the information management medium processing terminal performs a credit card registration and use of the credit card to the portable information management medium in association with the financial information server under the financial information management function of the portable information management medium. And a control for executing the electronic bank account of the bank account and executing the account transfer processing in association with the financial information server. 15. The method of claim 13, wherein the information management medium processing terminal controls to issue an electronic receipt for the payment when the payment processing is performed by a payment method selected from a credit card registered on the portable information management medium and a bank account transfer. Wherein the portable information management medium is a portable information management medium processing system, characterized in that it comprises a history management control for the electronic receipt. 14. The portable information management medium processing according to claim 13, wherein the portable information management medium includes a control for exchanging / registering an electronic business card and telephone number with a portable information management medium corresponding to a business management function. system. 14. The information management medium processing terminal according to claim 13, wherein the information management medium processing terminal includes a control for transferring the electronic coupon information provided from the member management server to the portable information management medium and executing the electronic coupon use procedure of the portable information management medium. Portable information management media processing system characterized by. The portable terminal of claim 10 or 13, further comprising a data exchange module for exchanging information with the portable information management medium and a computer terminal to which the data exchange module is connected. A portable information management medium processing system, characterized in that stored in the computer terminal. Preparing a portable information management medium and storing the unique information in the portable information management medium; Registering the portable information management medium with an information management medium processing terminal based on the unique information; Executing a member management function by exchanging member management information between the portable information management medium and the information management medium processing terminal; Executing a financial information management function between the information management medium processing terminal and the portable information management medium; Executing a business information management function by the portable information management medium; Executing a management function of an e-mail message between the information management medium processing terminal and the mobile information management medium; Executing a history management function of the portable information management medium by the portable information management medium with the information management medium processing terminal; And a process for executing display of advertisement information during the standby operation of the portable information management medium. 20. The method of claim 19, wherein the storing of the unique information in the portable information management medium comprises storing personal information of the owner in the subscriber information memory of the corresponding portable information management medium, and the member applied to the member information management function. Storing subscription information in a member information database; storing unique information applied to the financial information management function in a financial information database; storing unique information in a business information database for the business information management function; Portable information management medium processing method comprising the step of storing the unique information including the e-mail address for the management function. 21. The method according to any one of claims 19 and 20, wherein the registering of the portable information management medium to an information management medium processing terminal based on the unique information comprises processing the unique information registered in the portable information management medium. Transmitting to the terminal side, confirming whether the information management medium processing terminal has already registered a member based on the unique information, executing a new registration process as a customer member based on the verification result, and registering the new registration. And transmitting the processing result to the portable information management medium so as to be stored. 22. The method of claim 21, wherein the new registration process includes signing up for a member merchant, issuing an electronic credit card from a credit card company, and issuing an electronic bank account from a bank. 20. The method of claim 19, wherein the step of executing a member management function by exchanging member management information between the portable information management medium and the information management medium processing terminal comprises processing member information from the portable information management medium. Transmitting to the terminal and storing the additional information (bonus score / mileage score / cacheback score) in the information management medium processing terminal based on the member information and transmitting the result to the portable information management medium. Portable information management medium processing method, characterized in that consisting of. 20. The method of claim 19, wherein the step of executing the financial information management function by the portable information management medium with the information management medium processing terminal comprises: a payment means of one of a credit card and a bank account registered on the portable information management medium. Select and input the payment amount by the selected payment means directly from the portable information management medium to the information management medium processing terminal, wherein the information management medium processing terminal receives the selected payment with the approval of the corresponding financial information server; And performing the payment processing by the means and transferring the processing result to the portable information management medium so as to be stored as history information. 25. The method according to claim 24, wherein the financial information management function by the portable information management medium also includes checking the deposit and withdrawal status of a bank account from the information management medium processing terminal. 20. The method of claim 19, wherein the executing of the business information management function by the portable information management medium with the information management medium processing terminal is performed by using any one of an electronic business card and telephone number data registered in the portable information management medium. Selecting and externally transmitting; Externally receiving and storing electronic business card and telephone number data; And the electronic business card has a predesigned electronic business card form in the corresponding portable information management medium and is registered in advance and exchanged for the design form. 20. The method of claim 19, wherein the step of executing a function of managing an e-mail message by the portable information management medium with the information management medium processing terminal comprises: converting an e-mail address registered in the portable information management medium to the information management medium. And the information management medium processing terminal searches for an e-mail message corresponding to the corresponding e-mail address, and transmits the e-mail message sent to the corresponding portable information management medium to the portable information management medium. Portable information management medium processing method comprising the steps of. 20. The method of claim 19, wherein the process of executing the history management function of the portable information management medium by the portable information management medium with the information management medium processing terminal is performed. Deposit and withdrawal status of the bank account received from the information management medium processing terminal, and store electronic receipt received from the information management medium processing terminal in response to the payment, and store the electronic coupon information transmitted externally. And storage, wherein the electronic receipt is externally transmitted and stored from the portable information management medium to the large-capacity information storage medium. 20. The method of claim 19, further comprising displaying advertisement information provided from the information management medium processing terminal to the portable information management medium during an operation pause period of the portable information management medium. .