KR20030030235A - System and Method for providing the multiful card function by one card - Google Patents

Abstract

PURPOSE: A one card service method and a system for the same are provided to enable a user to use the one card, insertable into a mobile terminal, in place of the credit card and the debit card, owned by the user by storing the data on the credit card or the debit card at the one card when a payment is needed, and afterwards deleting the stored data from the one card. CONSTITUTION: The system comprises a card insertion module(100), a card data memory(120), a user data memory(125), a search module(105), and a one card IO module(110). The card insertion module(100) enables a user to insert the credit or debit card into a mobile terminal, and the card data memory(120) stores the card data read from the credit or debit card. The user data memory(125) stores the user data, which is compared with the personal data stored at the one card by the search module(105) for authenticating the user. The one card IO module(110) enables the user to insert the one card in the mobile terminal. Then the search module(105) authenticates the user, displays a transaction reject message on a screen of the mobile terminal if the user is normally authenticated, and transmits the input credit or debit card data to a memory area of the one card if the user is normally authenticated. After the user finishes using the one card, the user inserts the one card into the mobile terminal again, and deletes the credit or debit card data from the one card for using other credit or debit card.

Description

System and Method for providing the multiful card function by one card}

The present invention relates to a method and system for common use of a plurality of credit and debit cards as needed with one card, and to pre-store one or more credit and debit cards held by a customer in a wireless communication device. Read-only and read-write to receive the stored credit and debit cards for use offline, by selecting one of a separate card storage memory and one or more credit and debit cards previously stored in the wireless communication device. ONE CARD with two exclusive memory magnetic fields, I / O unit for transmitting credit card and debit card pre-stored in the wireless communication device to ONE CARD, pre-stored credit card and debit to prevent the use of others Pair with a wireless communication device that stores credit and debit cards before sending them to the ONE CARD. A search unit for confirming the customer's ONE CARD, the user information storage memory of the wireless communication device that stores the personal details and the security code of the customer used for the above search process, and the user information and security code in the ONE CARD. ONE CARD system that has two memory areas, read-only memory area that can be used to confirm user's real name by entering, and read / write-only memory that can receive or receive multiple credit and debit cards in ONE CARD and use it for payment. Added information on the storage card in the memory to store the card information held in the wireless communication device and the delete unit for deleting the information on the received card other than personal details and security codes for the user's real name from the ONE CARD. Characterized in that the input unit is configured to.

The number of credit and debit cards a person possesses for social / economic activities is usually about six, and there are always problems of misuse of the cards in the notebook and misuse due to loss.

Information required for payment of credit and debit cards used for payment is stored in the magnetic memory on the back of the card. If you accidentally damage this part, you can't use the card and have to reissue it.

In the case of a credit card, the actual transaction approval is performed by reading the magnetic part of the credit card (memory containing information for requesting payment through the card company) to the checker, and approving the transaction with the server of the card company used through the wired network connected to the card checker. Will be asked.

In the case of debit cards, when the debit card is inserted into the ATM, the ATM checks the user from the information already entered on the magnetic card of the debit card and allows the user to access the account he / she has at the bank. The withdrawal service will be available.

That is, the limit or account required for the transaction is managed by the server of the card company and the bank, and the credit card and debit card store only simple information about the real name to be able to access it and to determine whether or not it is used after access.

In the over-competition of credit card companies and the change from general currency to cyber currency, the number of cards carried by ordinary people is more than five or six such as credit, debit and cyber cards, but effective countermeasures due to card loss have not been suggested. The damage caused by the card misuse is a social issue. In some cases, the wireless communication device is used as a substitute for the card, but as with the problem of the existing card, there is no provision for the loss of the wireless communication device in addition to the simple real name verification procedure.

The present invention realizes the use of multiple credit and debit cards owned by one ONE CARD inserted or installed in the wireless communication device of the customer, and transfers the desired card to the one card only when used, The present invention provides a method and a system for deleting the card information stored in the one card after use, which is convenient for holding and reduces the risk of loss.

1 is a simplified block diagram of a system to be added to a wireless communication device to implement the present invention.

2 is an overall flowchart of the ONE CARD service.

3 is a simplified flowchart illustrating a process of checking a user's real name of an inserted ONE CARD using a security code for security.

Figure 4 is a simple illustration of the process of implementing the service.

Figure 5 is a simple illustration of the ONE CARD for this service.

<Description of main parts of drawing>

100: input unit 105: search (control) unit

110: input / output section 115: delete section

120: card information memory 125: user information memory

The present invention realizes the use of multiple credit and debit cards owned by one ONE CARD that is inserted or installed in the wireless communication device of the customer, and transfers the desired card to the one card only for use, and uses it. After the card information stored in the original card is deleted again, it is convenient to hold and reduces the risk of loss, and one credit card that is held by one ONE CARD inserted or installed in the customer's wireless communication device. And real-time use of a debit card and automatically delete the information in the one card for security and safety after use.

Generally, the information stored in the magnetic memory is not a currency with real value, but a card company that has real name information about the customer and the credit card usage amount of the customer and the remaining available balance. Contains information that serves as a key to connect to the server.

This information can be stored in the wireless communication device in advance, and when needed, it can be downloaded and used as a ONE CARD with magnetic memory.

Given that the cost of issuing a credit and debit card is usually about 2500, the use of the ONE CARD system can greatly reduce the cost of each credit card company or debit card issuing bank.

The present invention selects one of a separate memory for inputting a plurality of credit cards and debit cards owned by the customer into the wireless communication device, and select one of the credit and debit cards already stored in the wireless communication device so that they can be used offline. ONE CARD with separate read-only and read-only memory magnetics to receive previously stored credit and debit cards; output unit for transferring previously-stored credit and debit cards to ONE CARD; and prevention of others A search unit for confirming whether the customer's ONE CARD is paired with a wireless communication device storing the credit and debit card before transmitting the previously stored credit and debit card to the ONE CARD for the above search; For the purpose of the process, the memory of the wireless communication device which stores the customer's personal information and security code is read mainly in the ONE CARD. Storage card in the memory area that stores the card information in the wireless area and the delete part for deleting the memory information and the received card information other than security code and security code for the user's real name after using it for payment. This service is implemented by configuring an input unit that inputs and corrects information about.

In addition, the present invention provides a security code and card issued by the credit card company and the customer to the customer subscribed for the service when submitting the subscription and the wireless communication device and the ONE CARD to be used by the customer can be paired with each other The same serial number codes are combined to form a security code area, and then a three-step user real name verification step is performed to construct the ONE CARD for the required credit and debit card.

The security code is stored in the user information memory of the wireless communication device and the read-only memory area of the ONE CARD together with the user's personally identifiable information at the same time. Therefore, the ONE card inserted at all times before the ONE CARD configuration is compared with the user's own. Block the use of others.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. However, the following drawings and descriptions are for typical cases of various methods for explaining the present invention most appropriately, and the present invention is not limited only to the following drawings and descriptions.

The present embodiment relates to a case where the one card is inserted into or detached from a wireless communication device, and the credit and debit card information previously held by the user is transmitted to the user PC through a wired communication network and written on the one card. If it is to be specified that the user can be used to insert or detach the one card through a separate device to the user PC.

In addition, this embodiment is limited to the case of the credit card and debit card, but it is specified that it is commonly used for all cards (electronic money and securities) that can perform the user's payment processing.

1 is a simplified block diagram of a system to be added to a wireless communication device to implement the present invention.

One card implemented in the present invention is manufactured in the same form or convenient form of existing credit and debit cards, and is inserted or detached to a wireless communication device, characterized in that the one card (One Card), magnetic area In order to confirm the real name of the user, a read-only memory area for permanently inputting user information and a security code, and credit and debit card information already held by the user are received through a communication channel and filled in the magnetic area. After the credit and debit card is used, it is manufactured by dividing the received card information into a read-write memory area that makes an empty card area, and is inserted into or detached from a user wireless communication device. Is inserted into or detached from the user's PC or card writer and reader Further provided with a function of the user and to receive a credit or debit card information, which retainer is characterized in that formed.

The present invention provides a function of receiving client-based credit and debit card information data from the original card and a financial institution server (credit card company server or bank server) through a communication channel, and the client-based credit and debit card information received. A function of transferring and writing data to the one card read / write dedicated memory area, and from the financial institution server (credit card company server or bank server) of the one card read / write only memory area after the one card is used by the client. The present invention provides a one-card providing system comprising a wireless communication device having a function of deleting the received credit and debit card information data, and a detailed implementation method will be described below.

The credit and debit card held by the customer is stored in the card memory 120 through the card input unit 100 in the wireless communication device through a pre-arranged agreement with the card company (in the case of a commercial card) and the bank (debit card). (I.e. pre-populate the card's magnetic memory information)

In addition, in order to prevent the use of others, a separate user information memory 125 is provided so that information paired with an ONE CARD to receive credit and debit cards is input in a read-only memory format. Here, the paired information is a security step. The user's personal information and security code are pre-stored in the read-only memory area of the user information memory in the wireless communication device and the magnetic memory in the ONE CARD and stored in the wireless communication device. When receiving the credit and debit card to the ONE CARD is a memory area that allows the search unit 105 to search whether the ONE CARD is your own.

When the ONE CARD input / output unit 110 inserts the ONE CARD into the wireless communication device for use, the search unit 105 searches whether the inserted ONE CARD is the customer's own. Sending a transaction rejection message to the communication device screen and rejecting the transaction.If it is confirmed that it is your ONE CARD, the credit that can be used by transferring the entered credit and debit card to the read-write-only memory area of the magnetic memory area of the ONE CARD And complete the debit card.

When the ONE CARD is inserted into the wireless communication device again after the use of the credit and debit card, the searching unit 105 recognizes this and deletes the card information in the read-write-only memory in the ONE CARD for use with another credit and debit card. EMPTY ONE CARD

ONE CARD input / output unit of a card reader-type reader and reader for inserting an ONE CARD into a wireless communication device so that a credit and debit card can be received. It is further configured in connection with the 110, it may be further configured outside the wireless communication device.

2 is an overall flowchart of the ONE CARD service.

The method of providing a one card according to the present invention includes a read-only memory area in which a magnetic area pre-stores user information and a security code for permanent confirmation of a user's real name, and credit and debit card information previously held by the user. One card that is produced by dividing the data into the magnetic area by receiving it through a communication channel, and separating the information of the received card into an empty card area after using the credit and debit card to create an empty card area. Inserting or detaching (One Card) into a wireless communication device or a client PC or a card writer and reader, credit card information data held by a client device from a financial institution server (credit card company server or bank server) And receiving a user security code through a communication channel, receiving the transmission Processing a client authentication by matching a security code stored in a memory area of a wireless communication device with a user security code and a security code stored in a read-only memory area of the one card, and retaining the received client device. Transmitting and writing credit and debit card information data to the one-card read / write-only memory area; after the client uses the one-card, the financial institution server (credit card company server) of the one-card read / write-only memory area. Or deleting the credit and debit card information data received from the bank server).

The ONE CARD is inserted into the card light reader added to the wireless communication device (200) and the payment mode is selected from the menu of the wireless communication device as shown in FIG. 4-1 (205). When the payment mode is selected in the wireless communication device menu, a list of credit and debit cards already stored in the wireless communication device is displayed as shown in FIG. 4-2.

If one is selected according to the need (210), before transmitting the selected card from the wireless communication device to the ONE CARD, it is checked whether the currently inserted ONE CARD is the user's own ONE CARD paired with the wireless communication device. (215)

The retrieval process checks whether the user identification information and security code in the user information memory stored separately in the wireless communication device and the user identification information and security code previously input in the read-only magnetic memory in the ONE CARD match. This is done by comparing.

If the inserted ONE CARD is not the user's own ONE CARD (220), a transaction rejection message is sent to the display screen (225) and the transaction is terminated. If it is confirmed that the inserted ONE CARD is the user's own card, the user is required to enter a password for security (230). To transmit to the ONE CARD through the writer-reader of the input / output unit 110 (240).

If the password does not match (245), an error message is sent to the display screen (250) and a re-entry is requested.

The ONE CARD, completed by receiving the transmission of the selected card from the wireless communication device (255), is used for payment by the customer as a credit and debit card (260). The used ONE CARD is inserted into the writer-reader of the wireless communication device input / output unit again (265) and deletes the information on the received credit and debit card and separates it from the wireless communication device and manages it separately (270).

3 is a simplified flowchart illustrating a process of checking the user's real name of the inserted ONE CARD using a security code for security.

In the real name verification step of the inserted ONE CARD of Figure 2 first compares the authentication code issued after the existing agreement with each card company and bank for the present invention (300).

If it matches, it checks whether the user code matches (305). If it does not match, a transaction rejection message is sent and the transaction is terminated (310). If the user codes match, the next step is the serial number comparison step (315) and finally requires a password input as shown in Fig. 4-4 (320), if the input password matches the selected credit and debit card to ONE CARD It transmits (325).

Here, the authentication code is a security code that is pre-populated in the user information memory and the ONE CARD read-only memory area and issued to the card company and the bank for security purposes. The authentication code of the wireless communication device and the ONE inserted into the wireless communication device Transactions can only be made when the CARD verification codes are the same.

A user code is a code that a customer who uses this service submits in advance to a card company and a bank before signing up for the service. It is a code issued by an individual for security purposes. It is a read-only memory area of user information memory 125 and ONE CARD in a wireless communication device. This code is entered before the service.

The serial number is the security code of the final step that confirms that the wireless communication device to be used and the ONE CARD are the same pair. The serial number is generated at the same time as creating the customer's ONE CARD when the customer subscribes to the service. Code to enter.

If the 3rd level security code comparison above is matched, the user is finally required to enter a password, and if the password is incorrect, an error message is sent and a re-entry request is requested, and if it is correct, the selected credit and debit card is sent to the ONE CARD. Terminate the transaction.

A security code is a code including an authentication code, a user code, and a serial number. The security code is input to the user information memory 125 of the wireless communication device and the read-only memory area of the ONE CARD to be used by the customer. The three-step code to be compared in the search unit 105 to check whether the ONE CARD inserted into the input / output unit 110 is his or her own.

Figure 4 is a simple illustration of the process of implementing the service.

After inserting the ONE CARD into the wireless communication device and selecting the payment mode on the wireless communication device menu screen as shown in FIG. 4-1, a list of credit and debit cards owned by the user already entered in the wireless communication device as shown in FIG. 4-2 Appears. If you select a card that you want to use among credit and debit cards, the ONE CARD inserted by the search unit 105 in the ONE CARD system in the wireless communication device is linked with the user information storage memory 125 to determine whether the user's ONE CARD is correct. After checking the user's personal information and security code already inputted to the wireless communication device and the ONE CARD, if it matches, the selected card is transmitted to the ONE CARD. Send it.

Figure 5 is a simple illustration of the ONE CARD for this service.

It is manufactured in the same form or convenient form as the existing credit and debit card, and the magnetic field is read-only memory area where the user's name and security code are pre-stored and stored permanently to confirm the user's real name before the ONE CARD configuration. It is distinguished from the existing card by dividing the information of the received card for the next use after receiving the received data into a read-write memory area that makes an empty card area.

According to the present invention, one card inserted or installed in the wireless communication device of the customer can be replaced by one or more credit and debit cards owned by the customer is convenient to carry, every time the user configures the necessary card in the ONE CARD The use of personal information and security codes can greatly improve the misuse or misuse of lost cards and greatly improve the costs associated with issuing existing credit and debit cards, which can contribute to increased profits for card companies and banks. have.

Claims (10)

It is produced in the same or convenient form of existing credit and debit cards, As one card (One Card), characterized in that inserted into or detached from the wireless communication device, A read-only memory area in which the magnetic field pre-populates user information and security code for permanent identification of the user's real name; Receives credit and debit card information already held by the user through a communication channel and fills in the magnetic area, and after using the credit and debit card, deletes the information of the received card into an empty card area. One Card which is manufactured by dividing into read and write memory area. The method of claim 1, wherein the one card, In addition to the function of inserting or detaching the user wireless communication device, One card, characterized in that the card further comprises a function to receive credit and debit card information already held by the user through a communication channel inserted or detached to the user's PC or card write-reader (Writer And Reader) (One Card). It is characterized in that the insertion or detachment to the wireless communication device, A one card comprising a read / write dedicated memory area, Receiving a client's own credit and debit card information data from a financial institution server (credit card company server or bank server) through a communication channel; Transmitting and writing the received client device held credit and debit card information data to the one card read / write dedicated memory area; And deleting the credit and debit card information data received from the financial institution server (credit card company server or bank server) of the one card read / write dedicated memory area after using the one card by the client. One card providing system comprising a device. It is characterized in that the insertion or detachment to the client PC or card write-reader (Writer And Reader), A one card comprising a read / write dedicated memory area, Receiving a client's own credit and debit card information data from a financial institution server (credit card company server or bank server) through a communication channel; Transmitting and writing the received client device held credit and debit card information data to the one card read / write dedicated memory area; And deleting the credit and debit card information data received from the financial institution server (credit card company server or bank server) of the one card read / write dedicated memory area after using the one card by the client. Or a card write-reader (Writer And Reader). The method of claim 3, wherein the wireless communication device, A temporary memory for receiving and temporarily storing client pre-stored credit and debit card information data from a financial institution server (credit card company server or bank server) through a communication channel; An output unit for transmitting and writing the credit and debit card information data stored in the temporary memory to the one card; And a delete unit for deleting credit and debit card information data received from the financial institution server (credit card company server or bank server) of the one card read / write dedicated memory area after the one card is used by the client. One card providing system, characterized in that. The method of claim 4, wherein the client PC or card write-reader (Writer And Reader), A temporary memory for receiving and temporarily storing client pre-stored credit and debit card information data from a financial institution server (credit card company server or bank server) through a communication channel; An output unit for transmitting and writing the credit and debit card information data stored in the temporary memory to the one card; And a delete unit for deleting credit and debit card information data received from the financial institution server (credit card company server or bank server) of the one card read / write dedicated memory area after the one card is used by the client. One card providing system, characterized in that. The method of claim 3 or 4, wherein the wireless communication device or client PC or card write-reader (Writer And Reader), Inserting the one card by matching a user unique code previously stored in the wireless communication device or a client PC or a card write-reader information memory area with a user unique code previously stored in the one-card read-only memory area; One card providing system, characterized in that further comprising a search unit for determining whether the one card is owned by the client when detached. The method according to claim 3 or 4 or 7, A security code assigned to the client from the financial institution server (credit card company server or bank server); A security code stored in a memory area of the client-held wireless communication device; And a security code stored in the read-only memory area of the one card; to form a security code area. The method of claim 3, wherein the wireless communication device, The one card providing system, wherein the one card is provided by additionally configuring a payment mode and a client card holding and debit card list providing mode to the existing general menu board configuration. The magnetic area receives a read-only memory area for permanently inputting user information and a security code to confirm a user's real name, and receives the credit and debit card information previously held by the user through a communication channel. A One Card, which is prepared by dividing the information of the received card after use of the credit and debit card into a read-write memory area, which is made into an empty card area. Inserting into or detaching from a client PC or a card write-reader; Receiving client pre-owned credit and debit card information data and a user security code from a financial institution server (credit card company server or bank server) through a communication channel; Processing the client authentication by matching the received user security code with a security code stored in a memory area of the client-held wireless communication device and a security code stored in a read-only memory area of the one card; Transmitting and writing the received client device held credit and debit card information data to the one card read / write dedicated memory area; And deleting the credit and debit card information data received from the financial institution server (credit card company server or bank server) of the one card read / write dedicated memory area after using the one card by the client. One card providing method characterized by the above-mentioned.