KR20040065696A - System and Method for Providing Customized Card by Using Smart Card(or IC Card or IC Chip) - Google Patents

Abstract

PURPOSE: A system and a method for offering a personalized card service by using a smart card are provided to apply a new card service item, like a discount service, a mileage, a point accumulation and others, freely selected by a user, to a smart card which has been already issued. CONSTITUTION: The method comprises several steps. A user accesses a server of a card company over a wired or a wireless network, and selects card service items to be applied to a smart card of the user's own(225). The server of the card company generates an application for offering the card service items selected by the user(245). The server offers the generated application to the smart card of the user's own(250).

Description

System and Method for Providing Customized Card by Using Smart Card (or IC Card or IC Chip) using Smart Card (or IC Card or IC Chip)

The present invention relates to a personalized card providing method and system using a smart card (or IC card or IC chip), wherein the client is connected to a personalized card providing server (or card company server) through a wired / wireless communication network. Selecting (or entering) a service item for a card to be added or changed in the owned smart card (or IC card or IC chip), and selected (or entered) by the client in the card providing server (or card company server). Generating a service item for a card as an application for providing the smart card (or an IC card or an IC chip); and generating the generated personalized card service item application through the smart card terminal through the client-owned smart card (or IC card or IC chip) characterized in that it comprises a step of providing.

Conventional credit card service methods are highly dependent on the service items (ie, discount service, mileage, points earned, interest-free installment, free admission, etc.) held by the card at the time of card issuance. In addition, there is a problem in that the utility of the service for the card is inferior, such as receiving a separate company or a group membership card and receiving additional services provided by the card.

In addition, in order to solve this problem, there is a difficulty in converting the database of the server company's internal server for each client's card in order to graf the newly applied service item to the corresponding card after issuing the card.

On the other hand, the smart card is a credit card type IC (Integrated Circuit) card that can store and compute various digital information by embedding the central processing unit and various memory elements, the IC chip mounted on the smart card is a central processing unit, It consists of ROM (Read Only Memory), RAM (Random Access Memory), and EEPROM (Electrically Erasable and Programmable Read Only Memory), and functions as a small computer without input and output devices.

In addition, smart cards are classified into contact cards, contactless cards, hybrid cards, and combination cards, depending on the interface method. It can be classified into memory card and microprocessor card, and can be classified into single purpose card and multipurpose card according to the application purpose of smart card.

Recently, the smart card is a multi-purpose combination card equipped with a central processing unit, which is capable of executing a program regardless of the card manufacturer, and is aimed at an open platform that is independent of the platform and that can be installed and deleted even after the card is issued. Typical smart card open platforms include Javacard, MULTOS, Smart Card For Windows (SCFW), and SmartTEC OS.

An object of the present invention to solve the above problems is a service item (ie, newly applied to the card by the client to freely select (or input) the various service items provided by the card even after issuing the card) Discount service, mileage, points earning, interest-free installment, free admission, various information provision or storage service) and the method and system to apply to the card in real time, for this purpose, the client personalized through the wired / wireless communication network Accessing a card providing server (or a card company server) to select (or input) a service item for a card to be added or changed in the client's own smart card (or IC card or IC chip), and the card providing server ( Or a service term for a card selected (or input) by the client in a card company server). Generating an application for providing the smart card to the smart card (or IC card or IC chip) and generating the generated personalized service item application for the card through the smart card terminal through the client-owned smart card (or IC card or IC chip). By providing a personalized card providing method using a smart card (or IC card or IC chip) comprising the step of providing to the chip), so that smart card users can apply the service item of their desired type to the smart card at any time The purpose is to promote the scalability of the smart card (or IC card) industry.

1 is a preferred configuration for implementing the present invention.

2 is a simple flowchart for implementing the present invention.

<Description of main parts of drawing>

100: smart card (IC card or IC chip) 105: client

110: providing server (or card company server) 115: receiving unit

120: analysis unit 125: generation unit

130: storage unit 135: transmission unit

140: merchant terminal

The present invention allows smart card users to apply their desired service items (ie, discount service, mileage, points, interest-free installment, free admission, various information provision or storage services, etc.) to the smart card at any time even after the card issuance. A method and system for a card that a client wants to add or change to a smart card (or IC card or IC chip) owned by the client by accessing a personalized card providing server (or a card company server) through a wired / wireless communication network. Selecting (or entering) a service item, and providing the service item for a card selected or input by the client to the smart card (or IC card or IC chip) in the card providing server (or card company server). Creating an application for the service item and the generated personalized card It relates to a personalized card providing method and system using a smart card (or IC card or IC chip) comprising the step of providing an application to the client-owned smart card (or IC card or IC chip) through a smart card terminal. .

The process implemented in the present invention can be presented in two ways depending on whether the application is generated or extracted.

First, when a client creates an application for an item selected / entered by the client, the client accesses the personalized card providing server (or card company server) through a wired / wireless communication network and owns the smart card owned by the client. A first step of selecting (or entering) a service item for a card to be added or changed in an IC card or IC chip), and a service for a card selected or input by the client in the card providing server (or card company server); A second step of creating an item as an application for providing the smart card (or IC card or IC chip) and the generated personalized card service item application to the client-owned smart card (or IC card or IC chip); The third step is to provide.

In addition, when the client prepares an application for a service item selected / input and extracts the produced application, the client connects to the personalized card providing server (or card company server) through a wired / wireless communication network. A first step of selecting (or entering) a service item for a card to be added or changed in the client's own smart card (or IC card or IC chip), and provided to the client by the card providing server (or card company server); A second step of preparing a smart card application for the service item in advance and storing it in a predetermined database; and a service item application for a card selected by the client (or input) from the card providing server (or card company server). Extracting from the predetermined database; and It comprises a fourth step of providing the personalized card service item group to the client application for the extracted own smart card (or an IC card or IC chip).

According to the present invention, the smart card (or IC card or IC chip) is mounted on or detached from the wireless communication device, and is characterized in that it comprises an open platform in which the application is mounted or deleted even after the card is issued. .

In addition, according to the present invention, the personalized card service item application is issued after the card issuance, and also, discount services such as coupons, mileage, points earned, interest-free installment, free admission, cashback service, providing various information or At least one or more of the storage services are selected (or input).

In addition, the personalized service item application for the card is characterized in that it is added or / and changed according to the selection (or input) of the client and / or deleted according to the selection (or input) of the client.

In addition, according to the present invention, in the process of the client data communication with the server via a wired or wireless communication network, characterized in that it further comprises the step of encrypting the transmitted and received data.

The method may further include, in the process of the client performing data communication with the server through a wired or wireless communication network, obtaining a certificate from a certification authority for security and authentication of the transmitted and received data. It is done.

In the present invention, the first step further comprises the step of the client providing the smart card information (type, type, storage space, etc.) and personal information to the server, and the first step, If the client is a member, the server further comprises the step of extracting the smart card information (type, type, storage space, etc.) and personal information from the member information database.

In the present invention, the step of providing the smart card information (type, type, storage space, etc.) and personal information to the server by the client, using a wired communication network through a smart card terminal, or The wireless communication device may be provided using a wireless communication network.

The method may further include providing, by the server, the service item search window or the display window for the card to the client. The server may further classify the service item for the card to the client. It may be provided that the classification can be divided into the sub-category, sub-category, and / or the like, and / or by themes, and / or the items, and / or the directories.

Further, in the present invention, the second step, the step of pre-producing a smart card application for the service item provided to the client from the card providing server (or card company server) and store in a predetermined database and the And extracting, from the predetermined database, the service item application for the smart card selected by the client in the card providing server (or the card company server).

Further, in the present invention, the third step may further include providing a merchant terminal host application corresponding to the service item application for the smart card to a merchant terminal, and the third step may include the server. The smart card service item application is mounted on the client-owned smart card via the smart card terminal, or mounted on the smart card mounted / detached to the client-owned wireless communication device through a wireless communication network do.

In the third step, the server may provide the service item application for the smart card to the client-owned smart card (or IC card or IC chip) by using a wired Internet communication network or by using a wireless communication network. And providing the service to the owned wireless communication device, and further comprising: calculating, by the server, a fee per service item according to the provision of the service item application for the smart card to the client; Is done.

The third step may further include calculating a cost according to the use of the service item application for the smart card by the client between the server and a service affiliate corresponding to the service item application for the smart card.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

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

1 is a preferred configuration for implementing the present invention.

According to this figure, the components implementing the present invention are composed of a smart card (IC card or IC chip) 100, the client 105 and the provision server 110.

The smart card (IC card or IC chip) 100 is held by the client 105 and is present as a smart card (or IC card) in the form of a credit card or detached from a wireless terminal of the client 105. Exists as.

Client 105 has the smart card (IC card or IC chip) 100, according to the present invention, connected to a personalized card providing server (or card company server) 110 through a wired or wireless communication network The client 105 serves to select (or input) a service item for a card to be added or changed in the owned smart card (or IC card or IC chip) 100. In addition, it serves to receive the application for the service item to your smart card (IC card or IC chip) (100).

Also, the client 105 includes a client PC and a smart card terminal when using a wired communication network, and includes a client-owned wireless communication device that is detachable from an IC chip when using a wireless communication network.

The providing server (or card company server) 110 generates an application for providing a service item for a card selected by the client 105 to the smart card (or IC card or IC chip) 100. It serves to provide the generated personalized service item application for the card to the smart card (or IC card or IC chip) owned by the client 105 through the smart card terminal.

In addition, the providing server (or card company server) 110 distinguishes the receiving unit 115 which receives the service item selection (or input) signal from the client 105 and the service item received by the receiving unit 115. And an analysis unit 120 for analyzing whether a smart card application corresponding to the service item has already been generated, and if the service item application does not exist, analyzing the smart card application corresponding to the service item. The client 125 generates the generation unit 125 and the storage unit 130 which extracts the service item application from the application D / B when the service item application exists as a result of the analysis. And a transmission unit 135 for providing it to 105.

Here, the receiving unit 115 may perform a role of receiving client-owned smart card (or IC card or IC chip) information and / or personal information from the client 105, and wherein the client 105 is a member. In this case, the client-owned smart card (or IC card or IC chip) information and / or personal information to be extracted from the member database.

Here, the analysis unit 120 generates an application suitable for the type, type, storage space, etc. of the smart card (or IC card or IC chip) based on the client-owned smart card (or IC card or IC chip) information. Or extract) information.

Here, the generation unit 125 may perform a role of generating a host application for an affiliated store terminal corresponding to the service item application for the smart card.

Here, the transmission unit 135 may serve to provide a host terminal for an affiliated store terminal corresponding to the service item application for the smart card to the affiliated store terminal.

In addition, the providing server may include a predetermined database for storing in advance a service item application for a card selected by the client (or input). In this figure, the service item application is stored as a database for implementing the present invention. A member D / B which stores an application D / B and member information is shown.

In addition, although the providing server is not shown in the figure, the server 110 calculates a fee per service item according to the service item application provision for the smart card, collects the fee to the client, and the server 110 and the smart card. It is noted that it may be configured to further include a settlement processing unit for calculating the cost according to the use of the service item application for the smart card of the client 105 between the service merchant 140 corresponding to the service item application for the service.

In addition, the personalized card providing server (or card company server) 110 is located in the card company or VAN company or mobile communication company, or in the service merchant terminal 140 or the service merchant 140 corresponding to the service item. I can do it.

In addition, the personalized card providing server (or card company server) 110, the merchant terminal 140, which is equipped with a CAD (Card Acceptance Device) to serve as a smart card terminal, smart card slot or IC chip (Integrated Circuit) A wireless terminal equipped with a chip, a credit authorization terminal (CAT) that provides credit card payment in the form of a smart card, and a point of sales (POS) device that manages product sales information through CAD. And, it is specified that it can be mounted or linked to the terminal device including at least one or more information information system (KIOSK) on which the CAD is mounted.

2 is a simple flowchart for implementing the present invention.

When the client 105 accesses the server through the wired / wireless communication network (200), the server 110 determines whether the connected client 105 is a member.

If the client 105 is determined to be a member (205), the server 110 extracts personal information / card information of the client 105 with reference to the member D / B (210).

If the connected client 105 is not a member (215), the server 110 receives the personal information / card information from the client 105 (220).

When the personal information / card information of the client 105 is received, the client 105 selects / or inputs a personalized service item (225), and the server 110 selects the personalized service item. Check if there is a previously created application corresponding to.

If there is a pre-generated application (230), the server 110 extracts a pre-generated application from the application D / B (235).

However, if there is no pre-generated application (240), the client 105 generates an application corresponding to the personalized service item selected / input (245).

The generated application is provided to the smart card (IC card or IC chip) of the client 105 through the wired or wireless communication network, and also to provide the host application to the merchant terminal 140 through the wired or wireless communication network (255).

When provided as a smart card of the client 105 through a wired or wireless communication network, the client 105 uses the provided application in the affiliated store 140 (260), the merchant terminal 140 is extracted / applied to the service item In operation 265, the application results are provided to the server 110 (270), and the settlement process is performed between the server 110 and the affiliated store 140 (275).

According to the present invention, by providing a personalized card providing method using a smart card (or IC card or IC chip), from the perspective of smart card users (holders), first, when the service item of the type desired by the user Even if you have your own smart card can be used.

Second, there is an advantage that can be used to select a variety of service items, such as discount services, mileage, points earned, interest-free installment, free admission, various information provision or storage services.

In addition, the provision server (or card company server), even after issuing the card can present a variety of service items that are discriminated against the existing, there is an advantage that can thereby enable the use of the card.

Claims (45)

Providing a client to select (or input) a service item for a personalized card and a personalized card provided by the client-owned smart card (or IC card or IC chip) by producing the personalized service item for a card as a smart card application. Providing a personalized card using a smart card (or IC card or IC chip) including a server (or card company server) and a smart card (or IC card or IC chip) for adding or changing the service item application for the personalized card. In the method, The client accesses the personalized card providing server (or card company server) through a wired / wireless communication network and selects a service item for a card to be added or changed to the smart card (or IC card or IC chip) owned by the client ( Or inputting) a first step; A second step of generating, by the card providing server (or card company server), an application for providing a service item for a card selected by the client to the smart card (or an IC card or an IC chip); And Providing the generated personalized card service item application to the client-owned smart card (or IC card or IC chip); and using a smart card (or IC card or IC chip), characterized in that it comprises a. How to provide a personalized card. The method of claim 1, wherein the smart card (or IC card or IC chip), A personalized card providing method using a smart card (or IC card or IC chip), characterized in that mounted on or detached from the wireless communication device. The method of claim 1, wherein the smart card (or IC card or IC chip), Method of providing a personalized card using a smart card (or IC card or IC chip), characterized in that it comprises an open platform that is mounted or deleted after the card is issued. The method of claim 1, wherein the personalized service item application for the card, Personalized card providing method using a smart card (or IC card or IC chip), characterized in that is issued after the card issuance. The method of claim 1, wherein the personalized service item application for the card, Personalized using a smart card (or IC card or IC chip), characterized in that at least one or more of a discount service, such as coupons, mileage, points earned, interest-free installment, free admission, cashback service, various information is selected (or input) How to provide a card. The method of claim 1, wherein the personalized service item application for the card, Added according to the client's selection (or input), and / or Change according to the selection (or input) of the client, and / or Personalized card providing method using a smart card (or IC card or IC chip), characterized in that deleted according to the selection (or input) of the client. The method of claim 1, wherein the first step, The client further comprises the step of providing the smart card information (type, type, storage space, etc.) and personal information to the server personalized card using a smart card (or IC card or IC chip) How to Provide. The method of claim 1, wherein the first step, If the client is a member, the smart card (or IC card or characterized in that it further comprises the step of extracting the smart card information (type, type, storage space, etc.) and personal information from the member information database in the server) IC card) personalized card providing method. The method of claim 7, wherein the providing of the smart card information (type, type, storage space, etc.) and personal information to the server comprises: Provided through a wired communication network through a smart card terminal, or A personalized card providing method using a smart card (or IC card or IC chip), characterized in that provided by using a wireless communication network through a wireless communication device. The method of claim 1, wherein the first step, And providing the service item search window or the display window for the card to the client by the server. The method of claim 10, wherein the providing of the service item search window or the display window for the card to the client by the server comprises: Smart card (or IC card or characterized in that the server to provide the service items for the card for the categorization, the major classification, the small classification, and the like, and / or by subject and / or item and / or directory) IC card) personalized card providing method. The method of claim 1, wherein the second step, Generating a smart card application for the service item provided to the client by the card providing server (or card company server) in advance and storing it in a predetermined database; And And extracting, from the predetermined database, the service item application for the smart card selected by the client in the card providing server (or card company server) from the predetermined database. Or IC chip). The method of claim 1, wherein the third step, Method of providing a personalized card using a smart card (or IC card or IC chip), characterized in that further comprising the step of providing the merchant terminal host application corresponding to the service item application for the smart card to the merchant terminal. The method of claim 1, wherein the third step, The server may mount the service item application for the smart card as the client-owned smart card through the smart card terminal, or may be mounted on the smart card mounted / detached on the client-owned wireless communication device through the wireless communication network. Personalized card providing method using a smart card (or IC card or IC chip) characterized in that. The method of claim 1, wherein the third step, The server providing the service item application for the smart card to the client-owned smart card (or IC card or IC chip) using a wired Internet communication network or using a wireless communication network to the client-owned wireless communication device. Personalized card providing method using a smart card (or IC card or IC chip) characterized in that. The method of claim 1, wherein the third step, Personalized card using a smart card (or IC card or IC chip), characterized in that the server further comprises the step of estimating the fee per service item according to the service item application provided for the smart card to the client How to Provide. The method of claim 1, wherein the third step, And calculating a cost according to the use of the service item application for the smart card by the client between the server and a service affiliate corresponding to the service item application for the smart card. IC card) personalized card providing method. The method of claim 1, In the process of the client performing data communication with the server through a wired or wireless communication network, The method of providing a personalized card using a smart card (or an IC card or an IC chip), characterized by further comprising the step of encrypting the data transmitted and received. The method of claim 1, In the process of the client performing data communication with the server through a wired or wireless communication network, Method for providing a personalized card using a smart card (or IC card or IC chip), characterized in that further comprising the step of issuing a certificate from a certification authority for the security and authentication of the data transmitted and received. A personalized card providing server (or a client that selects (or inputs) a personalized card service item and the personalized card service item is provided as an application and provided to the client-owned smart card (or IC card or IC chip) (or In the method of providing a personalized card using a smart card (or IC card or IC chip) comprising a card company server) and a smart card (or IC card or IC chip) for adding or changing the personalized service item application for the card. , The client accesses the personalized card providing server (or card company server) through a wired / wireless communication network and selects a service item for a card to be added or changed to the smart card (or IC card or IC chip) owned by the client ( Or inputting) a first step; A second step of preparing a smart card application for the service item provided to the client by the card providing server (or a card company server) in advance and storing it in a predetermined database; Extracting, by the card providing server (or card company server), an application for a service item for a card selected by the client from the predetermined database; And A fourth step of providing the extracted personalized card service item application to the client-owned smart card (or IC card or IC chip); and personalizing using a smart card (or IC card or IC chip). How to provide an old card. The method of claim 20, wherein the smart card (or IC card or IC chip), A personalized card providing method using a smart card (or IC card or IC chip), characterized in that mounted on or detached from the wireless communication device. The method of claim 20, wherein the smart card (or IC card or IC chip), Method of providing a personalized card using a smart card (or IC card or IC chip), characterized in that it comprises an open platform that is mounted or deleted after the card is issued. The method of claim 20, wherein the personalized service item application for the card, Personalized card providing method using a smart card (or IC card or IC chip), characterized in that is issued after the card issuance. The method of claim 20, wherein the personalized service item application for the card, Personalized using a smart card (or IC card or IC chip), characterized in that at least one or more of a discount service, such as coupons, mileage, points earned, interest-free installment, free admission, cashback service, various information is selected (or input) How to provide a card. The method of claim 20, wherein the personalized service item application for the card, Added according to the client's selection (or input), and / or Change according to the selection (or input) of the client, and / or Personalized card providing method using a smart card (or IC card or IC chip), characterized in that deleted according to the selection (or input) of the client. The method of claim 20, wherein the first step, And providing the service item search window or the display window for the card to the client by the server. The method of claim 20, wherein the fourth step, Method of providing a personalized card using a smart card (or IC card or IC chip), characterized in that further comprising the step of providing the merchant terminal host application corresponding to the service item application for the smart card to the merchant terminal. The method of claim 20, wherein the fourth step, The server providing the service item application for the smart card to the client-owned smart card (or IC card or IC chip) using a wired Internet communication network or using a wireless communication network to the client-owned wireless communication device. Personalized card providing method using a smart card (or IC card or IC chip) characterized in that. The method of claim 20, wherein the fourth step, Personalized card using a smart card (or IC card or IC chip), characterized in that the server further comprises the step of estimating the fee per service item according to the service item application provided for the smart card to the client How to Provide. The method of claim 20, wherein the fourth step, And calculating a cost according to the use of the service item application for the smart card by the client between the server and a service affiliate corresponding to the service item application for the smart card. IC card) personalized card providing method. A personalized card providing server (or card company server) for providing a client with a personalized service item for a card; A client accessing the personalized card providing server (or card company server) through a wired / wireless communication network to select (or input) the service item for the personalized card; And Smart card (or IC card or IC chip) comprising a; smart card (or IC card or IC chip) to mount the service item application for the personalized card provided from the personalized card providing server (or card company server) Personalized card providing system using. The method of claim 31, wherein the personalized card providing server (or card company server), A receiver which receives the service item selection (or input) signal from the client; An analysis unit for classifying the service items received by the receiving unit and analyzing whether a smart card application corresponding to the service item is previously generated; A generation unit for generating a smart card application corresponding to the service item when the service item application does not exist as a result of the analysis; A storage unit extracting the service item application from an application D / B when the service item application exists as a result of the analysis; Personalization card providing system using a smart card (or IC card or IC chip) comprising a; transmission unit for providing the generated / or extracted service item application to the client. The method of claim 31 or 32, wherein the personalized card providing server (or card company server), Personalized card using a smart card (or IC card or IC chip), characterized in that the server further comprises a payment processing unit for calculating the fee per service item according to the service item application for the smart card provided to the client Provide system. The method of claim 31 or 32, wherein the personalized card providing server (or card company server), A smart card (or an IC card or IC card) personalized card providing system. The method of claim 31 or 32, wherein the personalized card providing server (or card company server), Personalized card providing system using a smart card (or IC card or IC chip), characterized in that it further comprises a predetermined database for storing in advance the service item application for the card selected (or input) by the client. The method of claim 31 or 32, wherein the personalized card providing server (or card company server), Personalized card providing system using a smart card (or IC card or IC chip), characterized in that located in the card company or VAN company or mobile communication company. The method of claim 31 or 32, wherein the personalized card providing server (or card company server), Personalized card providing system using a smart card (or IC card or IC chip), characterized in that located in the service merchant terminal corresponding to the service item or in the service merchant. The method of claim 31 or 32, wherein the personalized card providing server (or card company server), Merchant terminal equipped with a CAD (Card Acceptance Device) to act as a smart card terminal, A wireless terminal equipped with a smart card slot or an integrated circuit chip, A credit authorization terminal (CAT) that provides credit card payment in the form of a smart card, Point of Sales (POS) that manages product sales information through the CAD, Personalized card providing system using a smart card (or IC card or IC chip), characterized in that mounted on or interlocked with a terminal device comprising at least one information guidance system (KIOSK) is mounted on the CAD. The method of claim 32, wherein the receiving unit, Personalized card providing system using a smart card (or IC card or IC chip), characterized in that for receiving the client owned smart card (or IC card or IC chip) information and / or personal information from the client. The method of claim 32 or 39, wherein the receiving unit, If the client is a member, personalized by using the smart card (or IC card or IC chip), characterized in that the client-owned smart card (or IC card or IC chip) information and / or personal information is extracted from the member database Card delivery system. The method of claim 32 or 39, wherein the analysis unit, And based on the client-owned smart card (or IC card or IC chip) information, application generation (or extraction) information suitable for the type, type, storage space, etc. of the smart card (or IC card or IC chip) is derived. Personalized card providing system using a smart card (or IC card or IC chip). The method of claim 32, wherein the generation unit, Personalized card providing system using a smart card (or IC card or IC chip), characterized in that for generating a host application for the merchant terminal corresponding to the service item application for the smart card. The method of claim 32, wherein the transmission unit, Personalized card providing system using a smart card (or IC card or IC chip), characterized in that to provide a merchant terminal host application corresponding to the service item application for the smart card to the merchant terminal. The method of claim 31, wherein the client, In case of using a wired communication network, the terminal includes a client PC and a smart card terminal. When using a wireless communication network, a personalized card providing system using a smart card (or IC card or IC chip), characterized in that it comprises a client-owned wireless communication device. The method of claim 31, wherein the smart card (or IC card or IC chip), Personalized card providing system using a smart card (or IC card or IC chip), characterized in that mounted on or detached from the wireless communication device.