KR20040087537A - Intelligent Smart Card and System and Method for Operating Intelligent Smart Card - Google Patents

Abstract

PURPOSE: An intelligent smart card and an intelligent smart card operating system and method are provided to generate transaction related data in a smart card so that it enhances a security rather than an existing smart card. CONSTITUTION: The smart card comprises a storage media, and a transaction module(110). The storage media stores transaction block storing data including transaction module storing data, transaction header form storing data, or transaction data form storing data. The transaction module(110) inputs the transaction data, offered by a card processing terminal or a server, into the transaction header form(115) or the transaction data form(120), and generates a transaction block including the transaction header or the transaction data.

Description

Intelligent Smart Card and System and Method for Operating Intelligent Smart Card

The present invention relates to an intelligent smart card and an intelligent smart card system equipped with at least one transaction block generation function for a smart card equipped with an integrated circuit chip (ICC). A storage medium capable of storing transaction block storage information including transaction module storage information, transaction header form storage information, transaction data form storage information, and the like. And intelligently driving the transaction module within the smart card, assigning at least one or more transaction information provided from the card terminal device to the transaction header form and the transaction data form to perform transaction with the at least one transaction header. place A smart card equipped with an ICC equipped with a function of generating a transaction block including a transaction data, and the like, and at least one or more received from the outside through a communication processing unit of a card terminal device and / or generated from the card terminal device. A function of providing transaction information to an intelligent smart card, extracting a generated transaction block from the intelligent smart card, reading a transaction header included in the transaction block, and determining a transaction destination; An intelligent smart card system comprising a card terminal device having a function of transacting at least one or more transaction data contained in a transaction block to the transaction object read from the transaction header through a communication processing unit, and the intelligent smart card system as described above. When the card terminal device instructs the smart terminal to generate at least one or more transaction blocks for transaction processing by providing at least one or more transaction information generated therein and / or received from the outside to the intelligent smart card, By inserting the transaction information into the transaction header form and the transaction data form to generate a transaction block to provide to the card terminal device, the card terminal device reads the transaction header of the provided transaction block as described above, An intelligent smart card for determining a target, and having a card terminal device transact at least one or more transaction data to the transaction target through a communication processing unit; and an intelligent smart card for processing a transaction through the intelligent smart card To provide a bit card system.

Smart cards have a microprocessor, a card operating system (COS), a security module, a cryptographic coprocessor, and a memory to provide a series of transactions that are processed through the card terminal device. It is a generic term for a card incorporating an integrated circuit chip which serves as an authentication means, an approval means, and / or various information providing means.

That is, the function of the existing smart card includes stored information that cannot be arbitrarily read or written from the outside through a security module controlled by a microprocessor and / or coprocessor, and controlled through a COS, and stores the stored information on the card terminal device. By providing a, it provides a means that can be provided securely a series of transactions processed by the card terminal device. For example, a memory card without a security module controlled through operation and COS through a microprocessor and / or coprocessor may include a serious security flaw by allowing easy access from the outside. By restricting such access, it is possible to guarantee confidentiality, authentication, integrity, non-repudiation, and the like, of transactions provided by the card terminal device.

On the other hand, although it may not be possible with current smart card functionality and / or specifications, upcoming smart cards will simply provide a traditional microprocessor (eg, central processing) that provides a set of cryptographic operations to simply drive a security module. High performance microprocessors may be more advanced than devices (Central Processing Units (CPUs), Micro Processing Units (MPUs), or coprocessors), and such high performance microprocessors are further abstracted in addition to conventional cryptographic operations. It can provide the possibility to perform a logical operation.

In addition, recently released smart cards are equipped with an open platform and at least one language interpreter (Language Interpreter), which is the future of smart cards in addition to the current security module, the language interpretation It is meant to provide the possibility to run at least one or more application modules (eg, Java Applet) produced via a language compatible with the device (eg, JAVA).

In addition, a volatile memory device (eg, RAM) that can be mounted in an ICC of a smart card to be released in the future may have an increased storage capacity compared to the previous memory, which is currently the case for a memory device including more storage capacity. This means that the at least one application module as described above provides the possibility of performing a series of memory allocation, copying, moving, and / or deleting operations internally through a control process of the COS.

SUMMARY OF THE INVENTION An object of the present invention for resolving the above problems includes at least one transaction module storage information, a transaction header form storage information, a transaction data form storage information, and the like. Transaction Block A storage block having a storage medium capable of storing information, and intelligently running a transaction module inside a smart card, the transaction header form and the transaction of at least one or more transaction information provided from the card terminal device Smart card with ICC equipped with a function to generate a transaction block composed of at least one transaction header, transaction data, etc. by assigning to a data form, and / or generated from a card terminal device. Or card terminal device It has a function of providing at least one or more transaction information received from the outside through the communication processing unit to the intelligent smart card, extracts the generated transaction block from the intelligent smart card, reads the transaction header included in the transaction block ( Intelligent smart card having a function of determining a transaction destination, and having a function of transacting at least one or more transaction data contained in a transaction block to the transaction object read from the transaction header through a communication processing unit. Through the system and the intelligent smart card system, the card terminal device provides at least one transaction information generated internally and / or received from the outside to the intelligent smart card for transaction processing. Instructing the at least one transaction block to be generated, the intelligent smart card drives the transaction module, inserts the transaction information into the transaction header form and the transaction data form, generates a transaction block, and provides the transaction block to the card terminal device. The present invention provides a system for reading a transaction header of a provided transaction block to determine a transaction target for transaction data to be transacted so that the card terminal device transacts at least one or more transaction data to the transaction target through a communication processing unit.

1 is a simplified diagram of intelligent smart card storage information for generating at least one transaction block for transaction processing.

2 is a simple illustration of a transaction block dedicated file on a smart card file structure.

3 is a simplified illustration of a transaction module on a smart card file structure.

4 is a simplified illustration of a transaction header form element file on a smart card file structure.

5 is a simplified illustration of a transaction data form element file on a smart card file structure.

6 is a simple diagram of a card terminal device that provides an intelligent smart card service based on a transaction block generated by a smart card.

7 is a simple flowchart of a process in which an intelligent smart card generates a transaction block to provide an intelligent smart card service through an intelligent smart card system.

<Description of main parts of drawing>

100: transaction block storage information 105: transaction block dedicated file

110: transaction header form 115: transaction data form

The present invention provides at least one transaction block for a smart card equipped with an advanced microprocessor than the microprocessor mounted in the ICC of the existing smart card and a COS that provides various functions than the existing COS and sufficient memory devices capable of memory manipulation. For intelligent smart card and intelligent smart card system with block generation function, at least one transaction module storage information and transaction header form storage information and transaction data form (Transaction Data Form) At least one transaction provided from the card terminal device having a storage medium capable of storing transaction block storage information including storage information and the like, and intelligently driving a transaction module inside the smart card. ICC is equipped with the ability to create transaction blocks composed of at least one transaction header and transaction data by assigning transaction information to a transaction header form and a transaction data form. And a function of providing the smart card with the intelligent smart card and at least one transaction information generated from the card terminal device and / or received from the outside through the communication processing unit of the card terminal device. Extracting and reading a transaction header included in the transaction block to determine a transaction destination, and at least one or more transactions included in a transaction block to the transaction target read from the transaction header through a communication processing unitAn intelligent smart card system including a card terminal device having a function of transacting data, and the intelligent smart card system as described above, the card terminal device generates at least one or more transaction information internally and / or received from the outside. Providing the smart smart card to generate at least one transaction block for transaction processing; the smart smart card drives a transaction module to insert transaction information into the transaction header form and the transaction data form to generate a transaction block Providing to the terminal device, the card terminal device reading the transaction header of the transaction block provided as described above, and determining a transaction target to which the transaction data is to be transacted; A transaction object comprises the step of including at least one or more transaction transaction data.

In the present invention, the transaction transmits a series of data generated inside the smart card for the smart card service to the server and / or device on the network via the card terminal device via the network, the server and / or device on the network, etc. A data exchange process for transmitting a series of data generated and / or extracted from the data to the card terminal device and / or smart card via a network, characterized in that the transaction consists of at least one data exchange process.

In the present invention, the transaction information is information that the transaction module of the transaction block storage information mounted on the smart card is assigned to and / or assigned to the transaction header form and the transaction data form to generate transaction headers and / or transaction data. It is generated and / or extracted from the card terminal device, or extracted and / or obtained from a server and / or device on a network through a communication processing unit of the card terminal device, and the above transaction information is an intelligent smart card proposed by the present invention. It is passed to and characterized in that it becomes the basis for generating at least one transaction block.

According to the present invention, the transaction information includes at least one or more transaction header information corresponding to the transaction header form, at least one or more transaction data information corresponding to the transaction data form, and the like.

In the present invention, the transaction block storage information satisfies at least one file specification defined in a smart card standard such as ISO / IEC 7816 and / or ISO / IEC 14443, and includes at least one transaction module storage information and at least one transaction header form. Storage information, and / or storage information consisting of at least one transaction data form storage information, at least one or more of which satisfies at least one or more smart card file standards, and which may be stored in a memory unit of an intelligent smart card according to the present invention. And a dedicated file (DF) and / or an element file (EF).

In the present invention, the transaction module storage information of the transaction block storage information satisfies at least one or more file standards defined in the smart card standard such as ISO / IEC 7816 and / or ISO / IEC 14443, and the like. Stored information including a logical structure mounted in the memory unit of the intelligent smart card to be presented, at least one transaction information is applied to the transaction header form through the associative function of the microprocessor mounted on the ICC and the control function of the COS. And generating at least one transaction header and applying at least one transaction information to a transaction data form to generate at least one transaction data.

According to the present invention, the transaction module storage information is driven by a COS from the memory unit of the ICC and executed as a transaction module. In some cases, a smart card of a more intelligent type has the function of the transaction module proposed by the present invention. It may be included in the COS.

In the present invention, the transaction header form storage information of the transaction block storage information satisfies at least one or more file standards defined in the smart card standard such as ISO / IEC 7816 and / or ISO / IEC 14443. Stored information including a form generated by a transaction header through a smart card, in the step before the intelligent smart card generates the transaction header form stored information as a transaction header through at least one or more transaction information, transaction information is assigned and / or assigned The region to be initialized is a null value, and the null value is replaced by at least one or more information included in the transaction information by the transaction module and generated as a transaction header.

In the present invention, the transaction data form storage information of the transaction block storage information satisfies at least one or more file standards defined in the smart card standard such as ISO / IEC 7816 and / or ISO / IEC 14443, and the like. Storage information comprising a form generated from the transaction data via a smart card, in which the intelligent information is assigned and / or assigned in a step before the intelligent smart card generates the transaction data form storage information as transaction data through at least one or more transaction information; The region to be initialized is a null value, and the null value is generated as transaction data by being replaced by at least one or more information including transaction information by the transaction module.

In the present invention, a transaction block is a transaction unit generated by a transaction module, and the transaction block is composed of at least one or more transaction headers and at least one or more transaction data.

In the present invention, the transaction header is a card terminal device in the process of transacting the transaction data to the transaction target (eg, server and / or device on the network) on the network via the network, the card terminal device is the transaction information and / or transaction At least one or more information related to the block and a basis for determining a transaction target on the network to which the transaction data is to be transacted.

In the present invention, the transaction data is to be transmitted and / or exchanged to the transaction target in the process of the card terminal device is transacted to the transaction target (for example, server and / or device on the network) via the network. At least one data is characterized in that it is included.

According to the present invention, the transaction data is characterized in that the data is exchanged in at least one or more transactions according to the communication processing unit and / or the network of the card terminal device and the transaction target of the card terminal device. For example, representative transaction data includes a full payment processing and / or full payment authorization for credit card payment.

According to the present invention, the smart card is mounted in a wireless terminal in the form of an integrated circuit chip (ICC) card, a dual slot, and / or a dual chip, and / or a one chip. Or it characterized in that it comprises at least one detached integrated circuit chip (ICC).

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if 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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

1 is a simplified diagram of intelligent smart card storage information that generates at least one transaction block for transaction processing.

Referring to the Integrated Circuit Chip (ICC) specification, which includes ISO / IEC 7816 and / or ISO / IEC 14443, etc., the ICC may include at least one computational processing element (eg, Central Process Unit (CPU), Micro Process Unit (MPU)). , A coprocessor, and at least one memory device (eg, Read Only Memory (ROM), Random Access Memory (RAM), Electrically Erasable and Programmable Read Only Memory (EEPROM), Flash Memory (FM), etc.). And at least one of the memory devices includes a chip operating system (COS) for managing and operating smart card internal resources, and at least one of the remaining memory devices for providing a smart card service. At least one or more digital information is stored.

According to a preferred embodiment of the present invention, the transaction block storage information 100 for providing the function of generating at least one transaction block for transaction processing may include at least one memory element (eg, EEPROM and / or memory element) of the ICC. Or FM), and the structure of the memory device has a series of hierarchical structures as proposed in the ICC standard, and files on each hierarchical layer are distinguished by delimiters.

Referring to the ICC standard, the smart card file structure in which the transaction block storage information 100 for providing a function of generating at least one transaction block for transaction processing is stored is one corresponding to a root file. Master file (MF), at least one dedicated file (DF) classified according to smart card services and applications, and element files (data and / or information for smart card services) are stored. Element File; EF). In general, a master file is a file having a root level authority among the dedicated files, and all files on the smart card file structure can be accessed through the master file, and the dedicated file is used to provide a smart card service. A file including at least one piece of information and information on element files disposed below the storage file, wherein the storage information for providing an independent smart card service on the smart card file structure includes at least one dedicated file. The element file is a file including at least one information and / or data for providing a smart card service. The storage information for providing an independent smart card service on the smart card file structure includes at least one element file. have.

For example, in the smart card file structure as shown in FIG. 1, the master file exists at the top (= root) of all dedicated files and / or element files, and the card terminal device passes through a series of security modules and at least one dedicated file and / or In order to access the element file, the master file must pass through the master file. A lower part of the master file includes an element file that provides an ATR (Answer To Reset) function for checking and recovering an error about a command input from a card terminal device. Can be.

Further, at least one dedicated file and an element file for providing at least one smart card service provided through a smart card are disposed below the master file, wherein at least one of the dedicated files includes directory information. After that, the remaining dedicated files and element files are arranged on the smart card file structure according to the type and characteristic of the smart card service provided by the smart card.

Accordingly, the transaction block storing information 100 for providing the function of generating at least one transaction block for transaction processing is a functional group such as at least one dedicated file and / or at least one element file disposed below it. Is done. For example, a smart card service provider being granted access to the smart card from a card issuing authority means that he or she is authorized to access at least one or more dedicated files, element files, and the like on the smart file structure.

According to a preferred embodiment of the present invention, a smart card file structure includes at least one or more dedicated files (e.g., credit, debit, financial common network, electronic money, signature certificate, key distribution certificate, etc.) for each smart card service. At least one element file or the like disposed below is already stored as each smart card service storage information in a functional group, and the transaction block storage information 100 according to the present invention is added to the smart card file structure. It is characterized by being mounted.

Referring to FIG. 1 according to a preferred embodiment of the present invention, transaction block storage information 100 for providing a function for generating at least one transaction block for transaction processing may include at least one transaction header for transaction processing. A transaction block dedicated file 105 including basic information on a function of generating a transaction block composed of transaction data, and information on at least one element file included in the storage information, and a transaction header disposed in the dedicated file. And / or a transaction module 110 containing logic code for generating transaction data, a transaction header form element file 115 containing information about a transaction header form for generating a transaction header, and a transaction data for generating transaction data. Information about transactional data forms It consists of a data transaction form element file 120 containing the like.

Among the element files disposed below the transaction block dedicated file 105, the transaction module 110 is driven and / or loaded inside the smart card to generate at least one transaction block for transaction processing proposed by the present invention. At least one logic code is provided that provides the functionality.

The logic code included in the transaction module 110 may be at least one conditional statement (eg, if…, else if…, else…), or at least one loop (eg, for…, while…, do… while), or the like. A code including logic information consisting of at least one expression (eg, +,-, /, *), an assignment expression (eg, a = b), and / or a pointer, etc. A logical operation is performed through the arithmetic processing element provided in the. For example, a Java applet mounted on a Java card is a typical logic code.

Among the element files arranged under the transaction block-only file 105, the transaction header form 115 is information in which form information for the transaction module 110 to generate a transaction header is stored, and some information is changed. It contains a property that is impossible (Read Only), and some information includes property that transaction information must be assigned and must be changed (Write Only), and some information can also be selectively changed by transaction information (Read / Write) and so on.

The transaction module 100 is provided from the card terminal apparatus with respect to information including an attribute that must be changed and / or information including an attribute that can be optionally changed among the information included in the transaction header form 115. By assigning (or copying) transaction information to the transaction header form 115, the transaction header form 115 is generated as a transaction header.

Among the element files arranged under the transaction block dedicated file 105, the transaction data form 120 is information in which form information for the transaction module 110 to generate transaction data is stored, and some information is changed. It contains a property that is impossible (Read Only), and some information includes property that transaction information must be assigned and must be changed (Write Only), and some information can also be selectively changed by transaction information (Read / Write) and so on.

The transaction module 110 is provided from the card terminal apparatus with respect to information including an attribute that must be changed and / or information including an attribute that can be optionally changed among the information included in the transaction data form 120. By assigning (or copying) transaction information to the transaction data form 120, the transaction data form 120 is generated as transaction data.

2 is a simplified illustration of a transaction block dedicated file 105 on a smart card file structure.

Referring to FIG. 2, the transaction block file 105 includes a card terminal apparatus capable of providing an intelligent smart card service according to the present invention with respect to an intelligent smart card providing a transaction block generating function according to the present invention. A card terminal device authentication code for authenticating the validity, and a transaction information generating server and / or device for authenticating the validity of the transaction information generating server and / or the device capable of providing the intelligent card smart service according to the present invention. Transaction module driving for driving the transaction module 110 by a command of the card terminal device and a transaction information authentication code for authenticating the authentication code, the validity of the transaction information generated from the transaction information generation server and / or the device Information and generated by the transaction module 110 as a transaction header. Transaction header form loading information for loading the transaction header form 115 corresponding to the form, and transaction data for loading the transaction data form 120 corresponding to the form generated as transaction data by the transaction module 110. Form loading information and more.

The card terminal device authentication code of the transaction block dedicated file 105 indicates that the smart terminal provides the intelligent smart card service for generating a transaction block including the transaction header and / or the transaction data. An authentication code that authenticates whether an intelligent smart card can be supported for the card. For example, in order to provide an intelligent smart card service provided by the present invention, a card terminal device reads a transaction header from a transaction block generated by an intelligent smart card, extracts transaction data based on the read transaction header, and then converts the transaction data into a transaction target. It must provide a function to transact the transaction data.

The transaction information generation server and / or device authentication code of the transaction block dedicated file 105 provides for the intelligent smart card service for the intelligent smart card to generate a transaction block containing transaction headers and / or transaction data. Authentication code for authenticating the validity of the server and / or device providing and providing. For example, in order for a transaction information generation server and / or device to provide an intelligent smart card service according to the present invention, the purpose (eg, payment processing) and / or task of transaction information generated by the transaction information generation server and / or device is provided. The scope of (e.g., online credit card payment) must match the scope of the purpose and / or work of the intelligent smart card.

The transaction information authentication code in the transaction block dedicated file 105 may indicate that the transaction module 110 provides a transaction header in which the intelligent smart card provides an intelligent smart card service for generating a transaction block including transaction headers and / or transaction data. It is an authentication code for generating a transaction header based on the form 115 and authenticating whether the transaction information includes valid information capable of generating transaction data based on the transaction data form 120. For example, if a payment amount is to be substituted into the transaction data, the transaction information should include the payment amount.

The transaction module driving information of the transaction block dedicated file 105 is intelligent by the command of the card terminal device in providing the intelligent smart card service for the intelligent smart card to generate the transaction block including the transaction header and / or the transaction data. The smart card is information for driving the transaction module 110. According to the present invention, the transaction module 110 is driven by a COS mounted in an intelligent smart card, providing a function for generating a transaction header and / or transaction data proposed by the present invention through at least one or more arithmetic processing elements. do.

The transaction header form loading information in the transaction block dedicated file 105 may be used by the transaction module 110 to provide an intelligent smart card service for the intelligent smart card to generate a transaction block containing the transaction header and / or transaction data. Information for loading the transaction header form 115 to create a header. According to the present invention, the transaction header form 115 loaded by the transaction header form loading information is generated as a transaction header by at least one transaction information being substituted by the transaction module 110.

The transaction data form loading information of the transaction block dedicated file 105 may be used by the transaction module 110 to provide an intelligent smart card service for the intelligent smart card to generate a transaction block containing transaction headers and / or transaction data. Information for loading the transaction data form 115 to generate data. According to the present invention, the transaction data form 115 loaded by the transaction data form loading information is generated as transaction data by assigning at least one or more transaction information by the transaction module 110.

3 is a simplified illustration of a transaction module 110 on a smart card file structure.

Referring to FIG. 3, the transaction module 110 is a program code and / or smart card application that can run on an intelligent smart card to generate a transaction block 105 that includes transaction headers and / or transaction data. Or more conditional statements (eg, if…, else if…, else…), or at least one or more loops (eg, for…, while…, do… while), and the like (eg, +,-, /, *) At least one logical code is included, including an assignment (eg, a = b), a pointer, and / or a pointer.

According to a preferred embodiment of the present invention, the transaction module 110 is a transaction information extracting unit (300 ~ 305), transaction information validity authentication unit (310 ~ 325), transaction header generation unit (330 ~ 335), transaction data generation unit 340 to 345, and transaction block generation units 350 to 360.

The transaction information extracting unit of the transaction module 110 generates the transaction information generated from the transaction information generating server and / or the device and transferred to the intelligent smart card according to the present invention through the card terminal device through the COS. Transaction data for extracting and extracting transaction header information for generating a transaction header by substituting the transaction header form 115 from the extracted transaction information and generating transaction data by assigning the transaction header information to the transaction data form 120. In step 305, a function of separating and extracting information is performed.

The transaction information validity authentication unit of the transaction module 110 authenticates the validity of the transaction header information and the transaction data information extracted by the transaction information extraction unit, and in the process of validating the transaction block dedicated file 105 Authenticate using a transaction information authentication code or the like, or the form of each transaction header information and / or transaction data information extracted as described above, and the form of a transaction header form 115 and / or a transaction data form 120, etc. Authenticate through the process of comparative analysis. For example, if the card terminal device information of the transaction header form 115 is a 32 byte string, the card terminal device information included in the transaction header information should also be in the form of a 32 byte string.

If the validity of the transaction information is authenticated in the validation process 310, the transaction module 110 performs a transaction header generation unit and / or a transaction data generation unit, but if the validation is not authenticated 315, the transaction module ( 110 generates transaction information validation authentication error data (320), transfers the transaction validation authentication error data to a card terminal device through a COS, and initializes the memory used by the transaction module (110) (325).

After the transaction header generation unit of the transaction module 110 loads the transaction header form 115 (330), the transaction header generation unit assigns the transaction header information extracted by the transaction information extraction unit to the transaction header form 115 to generate a transaction header. Play a role. As described above, the preferred method for generating a transaction header is to load the transaction header form 115 of the transaction header generation unit of the transaction module 110 and to include information about a property that can be changed among the attributes of the transaction header form 115. In operation 335, at least one transaction header information extracted from the transaction information is substituted through a memory copy.

After the transaction data generation unit of the transaction module 110 loads the transaction data form 120 (340), the transaction data information extracted from the transaction information extraction unit is substituted into the transaction data form 120 to generate transaction data Play a role (345). As described above, the preferred method of generating transaction data is that the transaction data generation unit of the transaction module 110 loads the transaction data form 120, and the information includes a changeable property among the attributes of the transaction data form 120. At least one transaction data information extracted from the transaction information is substituted through a memory copy.

The transaction block generator of the transaction module 110 combines (eg, memory merges) the transaction header generated by the transaction header generator of the transaction module 110 and the transaction data generated by the transaction data generator to generate a transaction block. 350 to deliver to the card terminal device. In the preferred method of generating a transaction block as described above, the transaction block generation unit of the transaction module 110 combines the transaction header and the transaction block to generate the transaction block, and generates the transaction block through the COS of the intelligent smart card. Transferring to the card terminal device (355), the transaction module 110 is a process of initializing the memory used in the process of generating a transaction block (360).

4 is a simplified illustration of a transaction header form element file 115 on a smart card file structure.

Referring to FIG. 4, the transaction header form element file 115 basically includes a date and time at which transaction information is generated, a transaction information generation server and / or device information generating transaction information, and a card terminal providing an intelligent smart card service. Device information, the transaction target server and / or device information on which the transaction occurs through the card terminal device and the transaction block 105, the transaction path information for the card terminal device to access the transaction target server and / or device to generate a transaction, And a transaction target login ID and password for accessing the transaction target server and / or the device.

In addition, referring to FIG. 4, the date and time when the transaction information is generated in the transaction header form element file 115, the transaction information generation server and / or device information, and the card terminal device information include a change attribute. In addition, the transaction target server and / or device information, the transaction path information, and the transaction target login ID and password include an immutable attribute.

That is, in the preferred embodiment of the present invention, the transaction header information generated from the transaction information generating server and / or the device and extracted from the transaction information transferred to the intelligent smart card through the card terminal device must include the date and time at which the transaction information is generated. , Transaction information generation server and / or device information, and card terminal device information. On the other hand, even if the transaction header information includes transaction target server and / or device information, transaction path information, and transaction target login ID and password, the information is not assigned to the transaction header form 115.

The date and time information when the transaction information of the transaction header form 115 is generated is a time at which the transaction information generation server and / or device generated the transaction information, or a time at which the card terminal device transmitted the transaction information to the intelligent smart card. It is the basis for notifying the transaction target server and / or the device when the information is generated.

The transaction information generation server and / or device information of the transaction header form 115 is information about a server and / or a device that generated transaction information for the intelligent smart card service proposed by the present invention. Or the device information is the basis for returning transaction results during and / or after a transaction between the card terminal device and the transaction target server and / or device to the transaction information generation server and / or device.

The card terminal device information of the transaction header form 115 is information on a card terminal device providing an intelligent smart card service according to the present invention through a transaction block composed of a transaction header and transaction data generated by an intelligent smart card. The card terminal device information is the basis for the transaction target server and / or the device to identify the card terminal device.

The transaction target server and / or device information of the transaction header form 115 is a target for the card terminal device to transact transaction data based on the transaction header for the intelligent smart card service proposed by the present invention. The device information is fixed in the transaction header form 115 and does not change arbitrarily.

The transaction path information of the transaction header form 115 is information on a path where a card terminal device accesses a transaction target server and / or a device for the intelligent smart card service proposed by the present invention, and the card terminal device provides the transaction path information. Accesses the transaction target server and / or the device, and the transaction path information is fixed in the transaction header form 115 and does not change arbitrarily.

The transaction target login ID and password of the transaction header form 115 are information for the card terminal device to log in to the transaction target server and / or the device for the intelligent smart card service proposed by the present invention. The user logs in to the transaction target server and / or the device via the login ID and password included in 115, and the login ID and password are fixed to the transaction header form 115 and are not arbitrarily changed.

5 is a simplified illustration of a transaction data form element file 120 on a smart card file structure.

According to a preferred embodiment of the present invention, the illustration of FIG. 5 is for a transaction data form element file 120 that provides a transaction for credit card payment.

Referring to FIG. 5, the transaction data form element file 120 basically includes a transaction data title, a transaction data identification code, smart card user personal information (eg, social security number, authentication key, etc.), and a payment amount expressed in letters. And payment amount indicated by and numerals, and transaction information generating server and / or device information, card terminal device information, transaction processing code, and the like.

In addition, referring to Figure 5, the transaction data title and smart card user information include an attribute that cannot be changed, and the payment amount, transaction information generation server and / or device information, and card terminal device information include a change attribute. Transaction data recognition code and transaction processing code include optional change attributes.

The transaction data title of the transaction data form 120 is string information for the transaction target server and / or device to confirm the validity of the transaction data, and the transaction target server and / or device is based on the string included in the transaction data title. Determine the purpose and service type of the transaction data.

The transaction data recognition code of the transaction data form 120 is code information for the transaction target server and / or the device to confirm the validity of the transaction data, and the transaction target server and / or the device may include a code value included in the transaction data recognition code. Based on this, the purpose and service type of the transaction data are determined.

The smart card user personal information of the transaction data form 120 is information for identifying the smart card user who the transaction target server and / or device requests for a transaction. All types of personal information including a social security number and a public certificate key are smart. It may be included in the card user personal information.

The payment amount of the transaction data form 120 is the purpose and / or service type of the transaction data, that is, the payment amount for credit card payment processing, and includes a payment amount expressed in letters and a payment amount expressed in numbers. The payment processing is approved only if the payment amount indicated by and the amount indicated by the numbers match.

The transaction information generation server and / or device information of the transaction data form 120 is information about the server and / or the device which generated the transaction information for the credit card payment transaction proposed by the present invention. Or the device information is the basis for returning transaction results during and / or after a transaction between the card terminal device and the transaction target server and / or device to the transaction information generation server and / or device.

The card terminal device information of the transaction data form 120 is information about a card terminal device providing a credit card payment transaction according to the present invention, wherein the card terminal device information is transmitted by a transaction target server and / or device through a payment transaction. It becomes a basis for confirming the card terminal apparatus to work together.

The transaction processing code of transaction data form 120 is code information about how the transaction target server and / or device processes transaction data, which transaction appointment code promises between an intelligent smart card and the transaction target server and / or device. Is selected from the generated code.

FIG. 6 is a simplified diagram of a card terminal device 600 providing an intelligent smart card service based on a transaction block 105 generated by a smart card.

Referring to FIG. 6, the card terminal apparatus 600 basically includes a control unit 605, a card interface 610, a key input unit 615, a screen output unit 620, a memory unit 625, and a communication processing unit 630. And various additional function processing units 650 and the like.

The control unit 605 is composed of a central processing unit (CPU), a read only memory (ROM), a random access memory (RAM), a system bus, and the like in hardware, and the card terminal device 600 in software. Is a general term for the operating system and the card terminal device control management program and the card terminal device applications executed during the booting process and / or after booting, and control and manage the overall operation (eg, payment processing) of the card terminal device 600. It features.

According to a preferred embodiment of the present invention, the control unit 605 additionally provides a function of providing an intelligent smart card service based on a transaction block generated by the smart card.

That is, most operations and processes described below, which are mainly performed by the card terminal device 600, are performed through the controller 605, or the controller 605 is linked with at least one card terminal device component. Is obvious.

The card interface 610 is a device and / or system for interworking at least one or more smart cards equipped with an integrated circuit chip (ICC) and the card terminal device 600. The card interface 610 may include ISO / IEC 7816 and / or ISO / IEC 14443. Based on at least one smart card standard that satisfies, the data exchange and / or transaction (transaction) between the card terminal device 600 and the smart card through a protocol such as an APDU (Application Protocol Data Unit) It is done.

According to the smart card standard that satisfies ISO / IEC 7816 and / or ISO / IEC 14443, the card interface 610 defines a card terminal device 600 as a master mode and a half-duplex that defines a smart card as a slave mode. Half duplex) communication. For example, when the card terminal device 600 transmits a series of commands to the smart card through the card interface 610, the smart card performs a series of tasks accordingly, and the result is the card terminal through the card interface 610. Return to device 600.

According to a preferred embodiment of the present invention, the card interface 610 may be a contact interface including a contact contact based on ISO / IEC 7816 and / or a contactless interface including a contactless contact based on ISO / IEC 14443 and the like. Etc. are provided.

The contact interface is an ICC interface method based on ISO / IEC 7816. The card terminal device 600 supplies power to the ICC and uses electrical contact as a means for exchanging data. The smart card linked to the card terminal device 600 through the contact interface as described above includes an electrical chip (Chip On Board; COB), when the smart card is inserted into the contact interface, the contact interface is Power is supplied to the ICC through at least one contact point (eg, VCC contact point) among the contact plates, and data exchange between the ICC and the card terminal device 600 is performed through at least one contact point (eg, I / O contact point). to provide.

Contactless Interface As an ICC interface method based on ISO / IEC 14443, the card terminal device 600 supplies power to the ICC and does not use electrical contact as a means for data exchange. The smart card interworking with the card terminal device 600 through the contactless interface as described above includes an antenna interworking with the card terminal device 600 through capacitive coupling and / or inductive coupling. When the smart card approaches the contactless interface, the contactless interface supplies power to the ICC through the antenna of the smart card in at least one of electrostatic coupling and / or electromagnetic induction, and between the ICC and the card terminal device 600. Provide data exchange.

The key input unit 615 includes a plurality of number keys, a character key for inputting characters, a function key, and the like, and includes a card terminal device operator and / or a user. When a predetermined key is pressed, a general function of generating and transferring the corresponding key data to the control unit 605, a data item for inputting a function, an information input function, and a PIN (Personal) for authenticating smart card validity Identification Number) should include a function as an input device, such as an input function, the specification for which at least one smart card standard that satisfies ISO / IEC 7816 and / or ISO / IEC 14443, and the like, and the card terminal device 600 The smart card issuing agency and / or smart card service provider to work in conjunction with the specified business standard.

According to a preferred embodiment of the present invention, the key input unit 615 generates at least one key data for providing an intelligent smart card service based on a transaction block generated by the smart card and transmits the generated key data to the control unit 605. It features.

The screen output unit 620 may output a key data generated by the key input unit 615 to the screen, and the controller 605 may include at least one card terminal device component (eg, an additional function processor and / or a card interface). Etc.), a function of outputting various types of information generated on the screen, a function of outputting information and / or calculation results generated through a series of operations and processes within the card terminal apparatus 600, and a communication processing unit ( A function of outputting information transmitted / received with a server and / or device 665 on a network through a network communication module 635 of 630, and an external device 655 through an external communication module 640 of the communication processor 630. And a function of outputting information transmitted / received to and / or outputted information transmitted / received with a local area communication device through the short-range communication module 645 of the communication processor 630.

According to a preferred embodiment of the present invention, the screen output unit 620 outputs at least one or more information for providing an intelligent smart card service on the screen based on the transaction block generated by the smart card. do.

The memory unit 625 is mounted on the card terminal device 600 as at least one or more storage media (for example, electrically erasable and programmable read only memory (EEPROM), flash memory (FM), and hard disk drive (HDD)) in hardware. In addition, a predetermined program code for controlling the overall operation of the card terminal apparatus 600 and data input / output when an operation by the program code (for example, an application linked with a smart card) is performed by software are included. As a general term for the space and / or storage area to be stored, the memory unit 625 of the card terminal device 600 may protect at least one or more data in the memory unit 625 in order to ensure data integrity. It may have a special storage space set as an area, the stored data is at least one or more satisfying ISO / IEC 7816 and / or ISO / IEC 14443, etc. A smart card standard and a smart card issuing organization and / or a smart card service providing agency interoperating with the card terminal device 600 may be provided to meet a business standard.

According to a preferred embodiment of the present invention, the memory unit 625 is at least one program code and / or data generated by the program code for providing the intelligent smart card service based on the transaction block generated by the smart card And / or store information and the like.

The communication processing unit 630 is configured by at least one or more devices for connecting the card terminal device 600 to the outside and / or the network in hardware, the software card terminal device 600 to the external and / or network in software As a generic term of at least one communication application for connecting to the communication device, details of data communication provided by the communication processor 630 are supported by a communication module mounted in the communication processor 630 of the card terminal device 600. Communication protocols and standards, and the communication protocols and standards provided by the device and / or server 665 connected to the card terminal device 600 via a communication and / or network by cable or basis.

According to a preferred embodiment of the present invention, the communication processing unit 630 is connected to the server and / or device 665 and the card terminal device 600 on the network through a network communication module 635, cable and / or port An external communication module 640 for connecting the external device 655 and the card terminal device 600 by wire, and / or a short distance for connecting the local area communication device and the card terminal device 600 wirelessly through short-range wireless communication. The communication module 645 is provided.

The network communication module 635 of the communication processing unit 630 is configured by at least one device (for example, a modem or a network interface card (NIC)) for connecting the card terminal device 600 to the network in hardware. In this case, the card terminal device 600 may be connected to an upper server and / or a network device 665 through a network. Details of the network communication module 635 may include at least one communication protocol and / or the network communication module valid for a network (eg, the Internet and / or a value added network (VAN)) to which the network communication module 635 is connected. Communication protocols provided by the higher level server and / or the network device 665 connected through 635 may be followed.

According to a preferred embodiment of the present invention, the network communication module 635 transmits and receives a transaction information with a transaction information generating server and / or device to provide an intelligent smart card service based on a transaction block generated by a smart card, or It provides a transaction function, such as a transaction target server and / or device.

The external communication module 640 of the communication processor 630 may include at least one serial communication port (eg, RS-232c (Recommended Standard-232C) for connecting the card terminal device 600 with the external device 655 in hardware. ) Port or USB (Universal Serial Bus) port) and a parallel communication port (eg, LPT (Line Print Terminal)), etc., and the card terminal device 600 is externally connected via a communication port and a wired cable by software. It provides a function of connecting with (655). Details of the network communication module 635 may include at least one or more devices compatible with an external device 655 (eg, a Point Of Sale (POS) and / or an external printer) to which the external communication module 640 is connected. Follow the communication protocol.

According to a preferred embodiment of the present invention, the external communication module 640 provides a function of communicating with a transaction information generation server and / or device to provide an intelligent smart card service based on a transaction block generated by a smart card. It features.

The short-range communication module 645 of the communication processing unit 630 may include at least one short-range communication device (eg, an infrared ray port, RF (Radio) for connecting the card terminal device 600 with the short-range communication device in hardware. Frequency tag, Bluetooth, wireless LAN card, etc., and the card terminal device 600 in the near-field communication (for example, infrared ray communication, RF (Radio Frequency) communication, Bluetooth (Bluetooth) in software) Tooth), Wireless LAN, Wi-Fi (WiFi, etc.) to provide the ability to connect to the local area communication device. At least one detail of the short range communication module 645 is compatible with a short range communication device to which the short range communication module 645 is connected (for example, a wireless terminal that provides Infrared Financial Messaging (IrFM) of an Infrared Data Association (IrDA)). Follow the above short distance communication protocol.

According to a preferred embodiment of the present invention, the short range communication module 645 provides a function of short range communication with a transaction information generation server and / or device to provide an intelligent smart card service based on a transaction block generated by a smart card. It is characterized by.

The additional function processing unit 650 is an additional device provided to the card terminal device 600 according to the environment and the role in which the card terminal device 600 operates, in addition to the basic components of the card terminal device 600 as described above. And / or generically referred to as a system, a representative additional function processing unit 650 that can be mounted in the card terminal device 600 includes a secure application module (SAM) system, a printer for printing a receipt, and a bill for cash payment. Emitters and the like. Details of the add-on processing unit 650 are in accordance with respective protocols and / or standards supported by the devices and / or systems added to the add-on processing unit 650.

7 is a simple flowchart of a process in which an intelligent smart card generates a transaction block to provide an intelligent smart card service through an intelligent smart card system.

According to a preferred embodiment of the present invention, the intelligent smart card service generates at least one or more transaction information from the card terminal device 600 internal transaction information generating server and / or device, or an external transaction information generating server and / or device. 700 is started from the time point at which the at least one transaction information is received from the card terminal device 600.

When the card terminal device 600 generates at least one or more transaction information or is received from an external transaction information generation server and / or device, the card terminal device 600 is connected to the smart interface 610 through the smart interface. Transfer the transaction information to the card and instruct to generate a transaction block containing the transaction header and the transaction data (705).

When the transaction information is delivered as described above, and a transaction block generation command is transmitted based on the transaction information, the intelligent smart card is a transaction information generation server and / or device for the transaction information based on the transaction block dedicated file 105. Validity for and the card terminal device 600 is authenticated (710).

If the validity of the transaction information generation server and / or device for the transaction information and the validity of the card terminal device 600 are not authenticated (715), the intelligent smart card generates an error message to generate the card terminal device 600. Return to (720).

On the other hand, if the validity of the transaction information generation server and / or device and the validity of the card terminal device 600 is authenticated (725), the intelligent smart card drives the transaction module 110 of the transaction block storage information 100 In operation 730, the transaction module 110 provides the transaction information transmitted from the card terminal device 600.

When the transaction information validated as described above is provided, the transaction module 110 is the transaction information extracting unit, transaction information validity authentication unit, transaction header generator, transaction data generator, and transaction block generator shown in FIG. In operation 735, a transaction block including a transaction header and transaction data is generated.

As described above, when the transaction module 110 generates a transaction block including the transaction header and the transaction data, the intelligent smart card transfers the transaction block to the card terminal device 600 (740) and the card terminal device 600. After extracting and reading a transaction header from the transaction block to access a transaction target server and / or device (745), the transaction data is extracted from the transaction block and processed (750).

According to a preferred embodiment of the present invention, a transaction occurring between the card terminal device 600 and the transaction target server and / or the device based on the transaction block generated by the intelligent smart card may include at least one ICC transaction protocol (eg, ISO). / IEC 7816 and / or ISO / IEC 14443, etc.), at least one transaction protocol defined by the transaction target server and / or device, and / or the card terminal device 600 and the network connecting the transaction target server and / or device Comply with at least one transaction protocol that is compatible with.

According to the present invention, transaction block storage information including at least one transaction module storage information, a transaction header form storage information, a transaction data form storage information, and the like. And a storage medium capable of storing the data, and intelligently driving the transaction module in the smart card to substitute at least one or more transaction information provided from the card terminal device into the transaction header form and the transaction data form. A smart card equipped with an ICC equipped with a function for generating a transaction block composed of a transaction header and a transaction data, and a communication processing unit of a card terminal device and / or generated from a card terminal device Received from outside Provide a function of providing at least one transaction information to an intelligent smart card, extract a generated transaction block from the intelligent smart card, and read a transaction header included in the transaction block to determine a transaction destination. And a smart terminal system comprising a card terminal device or the like having a function of transacting at least one or more transaction data contained in a transaction block to the transaction object read from the transaction header through a communication processing unit, and the intelligent smart as described above. Through the card system, the card terminal device provides the intelligent smart card with at least one or more transaction information generated internally and / or received from the outside to provide at least one transaction block for transaction processing. Command, and the intelligent smart card drives the transaction module, inserts transaction information into the transaction header form and the transaction data form, generates a transaction block, and provides the transaction block to the card terminal device. By reading the header to determine the transaction target to which the transaction data is to be transacted so that the card terminal device transacts at least one or more transaction data to the transaction target through the communication processing unit,

Since information and / or data related to a transaction is generated inside a smart card, security is superior to existing smart cards. In other words, unless the hack inside the ICC mounted on the smart card, access to the data and information related to the transaction has the advantage that it is fundamentally impossible.

In addition, by generating information and / or data related to a transaction inside the smart card, the card issuer does not need to operate the card terminal device to provide a new smart card service, resulting in a new service launch cost for the card issuer. This has a significant reduction effect. That is, the card issuer issues a smart card for providing a new service, or has a merit in that a new service can be launched only by loading storage information for a new smart card service on the smart card (providing an independent service). ).

In addition, there is only a card terminal device that supports intelligence by generating information and / or data related to a transaction inside the smart card, and can be extended to various services through the corresponding card terminal device. That is, compared to the existing method of providing a smart card service by the card terminal device, the smart card directly provides a service, and the card terminal device serves as a gateway for accessing a network, and thus the card terminal device cannot support it. Various smart card services have the advantage that they can be provided only by smart cards. For example, a credit card payment terminal device (= card terminal device that does not basically provide an account transfer service) may be provided with an account transfer service (= generates transaction data related to an account transfer inside the smart card). There is an advantage that it may be

Claims (23)

A storage medium for storing transaction block storage information including at least one of transaction module storage information, transaction header form storage information, and transaction data form storage information; At least one transaction information provided from a card terminal device (or server) is substituted into the transaction header form and / or transaction data form to at least transmit a transaction header and a transaction data. An intelligent smart card having a transaction module for generating a transaction block comprising one or more. The method of claim 1, wherein the transaction, Intelligent smart card comprising at least one data exchange process. The method of claim 1, wherein the transaction information, Generated and / or extracted from the card terminal apparatus, or And intelligent information extracted and / or obtained from a server and / or a device on a network connected to the card terminal device. The method of claim 1, wherein the transaction block, An intelligent smart card comprising at least one transaction header and at least one transaction data. The method of claim 1, wherein the transaction block storage information, Basic information for generating a transaction block composed of at least one transaction header and transaction data for transaction processing; A transaction block dedicated file including information on at least one element file included in the storage information; A transaction module disposed in the dedicated file and including logic code for generating a transaction header and / or transaction data; A transaction header form element file including information on a transaction header form for generating the transaction header, And at least one transaction data form element file containing information about a transaction data form for generating the transaction data. The method of claim 5, wherein the transaction header form element file, The date and time the transaction information was generated, Transaction information generation server and / or device information generating the transaction information; The card terminal device information, Transaction target server and / or device information in which a transaction occurs through the card terminal device and a transaction block, Transaction path information for the card terminal device to access a transaction target server and / or device to generate a transaction, And at least one transaction target login ID and password information for accessing the transaction target server and / or the device. The method of claim 5, wherein the transaction data form element file, The transaction data title, The transaction data recognition code, The smart card user personal information, The payment amount in text, The payment amount in numeric form, The transaction information generation server and / or device information; The card terminal device information, Intelligent smart card comprising at least one transaction processing code. The method according to claim 1 or 5, wherein the transaction block storage information, Intelligent smart card, characterized in that stored in at least one of the memory elements of the integrated circuit chip (ICC). The method according to claim 1 or 5, wherein the transaction block storage information, Intelligent smart card, characterized in that it satisfies at least one file specification defined in the smart card standard including ISO / IEC 7816 and / or ISO / IEC 14443. The method according to claim 1 or 5, wherein the transaction module storage information, Apply at least one transaction information to the transaction header form to generate at least one transaction header, and / or Intelligent smart card, characterized in that to apply at least one transaction information to the transaction data form to generate at least one transaction data. The method of claim 1, wherein the transaction module, A transaction information extraction unit for separating and extracting transaction header information from the transaction information into the transaction header form to generate a transaction header, and / or transaction data information from the transaction data form into the transaction header form; A transaction header generation unit generating a transaction header by inserting the transaction header information extracted by the transaction information extraction unit into a transaction header form; A transaction data generator for generating transaction data by inserting the transaction data information extracted by the transaction information extractor into a transaction data form; And A transaction block generation unit for generating a transaction block by combining (or memory merging) the transaction header generated by the transaction header generation unit and / or the transaction data generated by the transaction data generation unit, and delivering the transaction block to a card terminal device; Intelligent smart card, characterized in that comprises a. The method of claim 1 or 11, wherein the transaction module, And a transaction information validity authentication unit configured to authenticate validity of the transaction header information and / or the transaction data information extracted by the transaction information extraction unit. The method of claim 1 or 11, wherein the transaction module, At least one conditional statement (if…, else if…, else…), At least one loop (for…, while…, do… while), At least one expression (+,-, /, *), At least one assignment equation (a = b), Intelligent smart card, characterized in that it comprises a logic code containing at least one pointer. The method of claim 1, wherein the transaction header form and the transaction data form, Immutable properties (Read Only), Properties that must be changed (Write Only), Intelligent smart card, characterized in that it comprises at least one property (Read / Write) that is selectively changed. The method of claim 1, wherein the intelligent smart card, A card terminal device authentication code for authenticating the validity of the card terminal device, A transaction information generation server and / or device authentication code for authenticating the transaction information generation server and / or device, A transaction information authentication code for authenticating validity of transaction information generated from the transaction information generation server and / or device; Transaction module driving information for driving a transaction module by an instruction of the card terminal apparatus; Transaction header form loading information for loading a transaction header form corresponding to a form generated by the transaction module as a transaction header, And at least one transaction data form loading information for loading a transaction data form corresponding to a form generated from the transaction data by the transaction module. The method of claim 1, wherein the smart card, Integrated circuit chip (ICC) card, And at least one integrated circuit chip (ICC) mounted on or detached from the wireless terminal in the form of a dual slot, a dual chip, and / or a one chip. Smart card. A storage medium for storing transaction block storage information including at least one of transaction module storage information, transaction header form storage information, and transaction data form storage information; At least one transaction header and transaction data by substituting at least one transaction information provided from a card terminal device into the transaction header form and / or transaction data form. A smart card generating a transaction block; and Providing at least one transaction information to the smart card, extracting a generated transaction block from the smart card, reading a transaction header included in the transaction block, and at least one included in a transaction block as the read transaction target Intelligent smart card operating system comprising a; card terminal device for transacting the transaction data. The method of claim 17, wherein the intelligent smart card, A card terminal device authentication code for authenticating the validity of the card terminal device, A transaction information generation server and / or device authentication code for authenticating the transaction information generation server and / or device, A transaction information authentication code for authenticating validity of transaction information generated from the transaction information generation server and / or device; Transaction module driving information for driving a transaction module by an instruction of the card terminal apparatus; Transaction header form loading information for loading a transaction header form corresponding to a form generated by the transaction module as a transaction header, And at least one transaction data form loading information for loading a transaction data form corresponding to a form generated from the transaction data by the transaction module. The method of claim 17, wherein the intelligent smart card, A transaction information extraction unit for separating and extracting transaction header information from the transaction information into the transaction header form to generate a transaction header, and / or transaction data information from the transaction data form into the transaction header form; A transaction header generation unit generating a transaction header by inserting the transaction header information extracted by the transaction information extraction unit into a transaction header form; A transaction data generator for generating transaction data by inserting the transaction data information extracted by the transaction information extractor into a transaction data form; And A transaction block generation unit for generating a transaction block by combining (or memory merging) the transaction header generated by the transaction header generation unit and / or the transaction data generated by the transaction data generation unit, and delivering the transaction block to a card terminal device; Intelligent smart card operating system, characterized in that comprises a. The method of claim 17, wherein the smart card, Integrated circuit chip (ICC) card, And at least one integrated circuit chip (ICC) mounted on or detached from the wireless terminal in the form of a dual slot, a dual chip, and / or a one chip. Intelligent smart card operation system. The method of claim 17, wherein the card terminal device, A controller providing a smart card service based on the transaction block generated by the smart card; A card interface for processing data exchange and / or transaction with the smart card; A memory unit for storing at least one program code and / or data and / or information generated by the program code for providing a smart card service based on the transaction block generated by the smart card; And A network communication module supporting transaction information transmission and reception with a transaction information generation server and / or a device based on the transaction block generated by the smart card; An external communication module supporting communication with a transaction information generation server and / or a device based on the transaction block generated by the smart card; And a communication processing unit including at least one short-range communication module supporting short-range communication with a transaction information generation server and / or a device based on the transaction block generated by the smart card. . Instructing the card terminal device to provide at least one transaction information generated internally and / or received from the outside to the smart card to generate at least one transaction block for transaction processing; The smart card inserting the transaction information into a transaction header form and / or a transaction data form to generate a transaction block; Providing the generated transaction block to the card terminal device in the smart card; Determining, by the card terminal device, a transaction header of the transaction block by reading a transaction header of the transaction block; And And translating, by the card terminal device, at least one transaction data to the transaction object. The method of claim 22, After the transaction block generation command is transmitted to the smart card based on the transaction information, authenticating the validity of the transaction information generation server and / or device and the card terminal device with respect to the transaction information in the smart card. Intelligent smart card operating method comprising a.