KR20050046376A - Integrated cash ic card, issuing and using method thereof - Google Patents

Abstract

The integrated cash IC card according to the present invention includes personal information for storing information related to a customer in main data information for forming a financial common network connecting all banks into one, main account information for storing information of a cash card, And file control information for controlling the personal information, main account information, and the like, wherein the main account information area can be used to allocate a record structure as many as current banks.

Description

INTEGRATED CASH IC CARD, ISSUING AND USING METHOD THEREOF}

The present invention relates to an IC card and a method for integrating a banking cash IC card for each bank to be used in an automated teller machine. In particular, the banking applet is commonly used by integrating the banking network applet using specifications based on an open platform (OP card). To an integrated cash IC card, issuance and use thereof.

MS (Magnetic Stripe) cards used in current financial automation devices have security vulnerabilities such as copy theft accidents, so it is necessary to use smart cards with proven security to overcome them.

Here, the MS (Magnetic Stripe) card is a card capable of R / W (READ / WRITE) data using magnetic properties, and the smart card refers to an IC card with arithmetic processing and memory.

From 2000 to present, there are two major financial IC cards used in the domestic financial sector by the physical (H / W) specification of the financial IC card standardized by the Korea Financial Services Agency or the application and interface method installed.

First, it is a cash IC card mounted on a NATIVE financial IC card.

Cash IC cards mounted on these closed financial IC cards have been used in most domestic financial automation devices from 2000 to the present, but they have limitations in flexible use due to changes in IC chip design when changing and adding functions during use.

In addition, the cash IC card portion is fixed at the time of issuance of the first bank and cannot be modified later. It also includes a K-Cash function.

Second, it is a cash IC card mounted on an open (OPEN PLATFORM or OP) financial IC card.

Designed by adopting open operating system and interface method developed by Microsoft, it is possible to save / delete / change various services without changing IC chip design so that it can flexibly respond to user's requirements.

It is also an open platform architecture that is enhanced to enhance security and procedures compared to existing closed IC cards.

In addition to the electronic money (K-Cash) function, it is possible to include a variety of applications depending on the needs of the issuing organization, such as a certificate identification.

1 is a view showing the internal structure of a general open financial IC card.

As shown in FIG. 1, each module is called an applet within the standard scope, and each applet has a unique name.

For example, K-Cash applets, cash card applets (which are the same meaning as cash IC cards), debit cards, and certificates.

In addition, an applet is a program made small so that it can be sent to the user. For example, an applet refers to a program that is implemented as a business unit such as electronic money or a financial common network on a financial IC card.

In addition, this open card can optionally add an applet if required by the card issuer.

In addition, taking a cash withdrawal transaction in the automatic teller machine, for example, when the cash card is operated, the financial IC card contact / power-on is performed when the financial IC card is inserted in the automatic teller machine (determination of the presence of the financial IC card).

After that, the IC self-password authentication (customer input) and the cash applet is selected to read the cash card information (READ).

FIG. 2 is a diagram illustrating an internal structure of a cash card file in the general open card as shown in FIG. 1.

As shown in FIG. 2, an ADF (Application Dedicated File) file includes a file control information (FCI) file, file information, personal information, and main account information.

Here, the financial common network ADF is information about the cash applet, the personal information stores information related to the individual of the customer, the main account information stores the information of the cash card, the file control information is the personal information and the main account information, etc. To control.

In addition, the main account information contains 104 bytes (BYTE) information of the existing MS card.

However, the cash card applet in such an open card is designed to be issued independently by the issuing institution (bank) according to the FSS specification, and is designed in such a way that all banks cannot integrate and operate it.

In addition, it is expected to be distributed to the whole nation like MS Cards currently in use, but if a bank makes such a cash IC card and newly issues it to a user (customer), the cost of manufacturing IC card chips composed of integrated circuit semiconductors is high, which requires enormous costs. There is a problem.

The present invention has been made in order to solve the above problems, by using an open platform (OP card) -based specifications, the banking financial cash IC card for each bank integrated in the banking applet used in a financial automation device It is an object of the present invention to provide an integrated cash IC card that can be integrated with the card, and a method of issuing and using the same.

In order to achieve the above object, the integrated cash IC card according to an aspect of the present invention, in the main data information for the formation of a financial common network connecting all the banks, personal information for storing information relating to the customer personal and A main account information in which information of the cash card is stored, and file control information for controlling the personal information and the main account information; The main account information area may be used to allocate a record structure for the current number of commercial banks.

In addition, a bank-specific record is allocated to the main account information area, and the record delimiter is a bank unique number.

In addition, the main account information area is characterized by securing a minimum memory to store 104 bytes.

Integrated cash IC card issuing method according to another aspect of the present invention,

In a financial system comprising a window terminal, which is a financial automation device, and a host connected to the window terminal and a network so as to centrally control the window terminal,

(a) a cash card issuing applicant inserting an IC card to be issued by the window terminal into an IC read / write module to read / write the IC card;

(b) the applicant entering personal information through a teller terminal and sending a request message to the host;

(c) generating and authenticating the issuing applicant digital signature on the request message in a host security module connected with the host;

(d) After the electronic signature is generated and authenticated in step (c), the result value is lowered to the teller terminal through the host, and the cash card information for the cash transaction in the main account area of the cash card applet at the teller terminal. Recording;

(e) If the applicant wants to issue from another bank, it characterized in that it comprises the step of repeating the steps of (a) to (d).

In addition, in the main account information area, as many bank-specific records as the number of commercial banks are allocated, and the record delimiter is composed of a bank unique number.

Method of using an integrated cash IC card according to another aspect of the present invention,

In a financial system comprising a window terminal, which is a financial automation device, and a host connected to the window terminal and a network so as to centrally control the window terminal,

(a) an IC card user selecting card insertion / transaction at the teller terminal;

(b) the user making an IC card contact and inputting an IC card password after the card insertion / transaction selection in step (a);

(c) when the IC card user selects a bank in the cash card applet using the selection file command key after inputting the password in step (b), moving to the selected bank main account information location;

(d) obtaining information by a lead record command from the teller terminal, and performing financial processing such as withdrawal / inquiry / transfer from the bank selected in step (c).

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

3 is a view showing the internal structure of the file of the integrated cash IC card according to the present invention.

As shown in Fig. 3, the financial common network ADF of the integrated cash IC card file according to the present invention includes personal information in which information about a customer, such as a social security number, an address, and a contact information of a customer, is stored, and a bank for a transaction. The FCI file is included as main account information for storing information such as account number and cash card, and file control information for controlling files such as the personal information and main account information.

Here, the financial common network ADF is information about a cash applet, that is, a program, and corresponds to main data information for forming a financial common network connecting all banks into one.

In addition, the record structure can be allocated to the number of current banks in the main account information area where the information of the cash card is stored.

In other words, it develops a new cash card applet (financial common network) that is not the current KFTC specification.

In addition, a bank-specific record is allocated to the main account information area, and the record separator is a bank unique number.

In addition, a minimum memory for storing 104 bytes (IS03 data) must be secured in the cash card information to be stored.

4 is a diagram illustrating a system for issuing an integrated cash IC card according to the present invention, and FIG. 5 is a flowchart illustrating a process for issuing an integrated cash IC card in the system for issuing an integrated cash IC card according to the present invention.

4 and 5, a process of issuing an integrated cash IC card according to the present invention will be described.

First, according to the present invention, a banking system for integrating a cash IC card for each bank and using it in common is provided with a counter terminal such as an issuing terminal 10 and an ATM 20 for issuing an integrated cash IC card, and from the window terminal. The relay device 30 relaying the integrated cash IC card issuance request signal before transmitting the request message to the computer room bank host 40 and integrated with the relay device 30 through a network connection. The computer room bank host 40 which controls the cash IC card issuance request signal and transmits the electronic signature and the authenticated signal back to the issuing terminal 10 and the ATM 20, and is connected to the computer room bank host and transmitted from the window terminal. And a Host Security Module (50) for performing an electronic signature generation and authentication process for a cash IC card issuance request.

The integrated cash IC card issuing process in the system configured as described above includes a card OS mounted on the IC card manufactured by the card OS manufacturer and the open card information shown in FIG. 1, and basic information and a cash card (financial common network) applet. Car issuing step; Even if the primary issuer for each bank is different, it includes a secondary issue step of mounting the applet of the new structure of the cash card file structure according to the present invention as shown in FIG.

As such, the first issue must be preceded by the second issue.

With reference to FIG. 5, it is assumed that it is issued by the bank of A, for example.

First, the applicant for issuing integrated IC card is to perform IC lead / write operation by mounting the IC card to be issued from the issuing terminal 10 of A bank or the teller terminal of ATM 20 to the IC READ / WRITE module. (S11).

Thereafter, the personal information is input through the window terminal and the integrated bank IC card issuance request signal, that is, a request message is transmitted to the corresponding bank host 40 (S12).

At this time, the relay device 30 passes through the request message from the window terminal before the host 40 transmits the request message.

Thereafter, when the bank host 40 in charge of bank online (On-Line) requests the host security module 50 to generate and authenticate the electronic signature of information to be written to the IC card, The host security module 50 performs an electronic signature generation and authentication process of the issuing applicant (S13).

Then, after generating and authenticating the electronic signature, the result value is received by the bank host 40 and the terminal is sent down to the window terminal of the issuing terminal 10 or the ATM 20 through the relay device 30. In the main account area of the cash card applet of the card, the cash card information for the cash transaction is recorded (WRITE) (S14).

At this time, since the record for each bank is allocated to the main account information area mentioned in FIG. 3 and the record separator is composed of a bank unique number, the information for cash transaction is recorded in the record (WRITE).

In this way, if you want to issue from another bank B, C bank (S15), repeat the process of S11 to S14, the same way as in the bank A, or if you want to trade B, C It can be issued by a bank.

Therefore, since the integrated cash IC card according to the present invention has been electronically signed and authenticated for issuance by various banks, it is possible to perform necessary financial transactions as much as a bank recorded in a bank-specific record issued by a single card.

6 is a flowchart showing the IC card control process in real use in a financial automation device (CD / ATM) using the integrated cash IC card according to the present invention.

As shown in FIG. 6, first, the integrated cash IC card user selects a card insertion / transaction in the financial automation device (S21).

The user makes an IC card contact (CONTACT) after inserting a card / selecting a transaction (S22) and inputs an IC card password (S23).

Thereafter, when the user selects a bank to be traded in the cash card applet using a Select File command key (S24), the user moves to the selected bank main account information position (S25).

Subsequently, the financial automation device acquires information using a read record (READ RECORD) command (S26), and thereafter, the withdrawal / retrieval / transfer process is performed in the selected bank in the same manner as the existing financial processing (S27).

Therefore, one cash IC card can be conveniently used for the selection of a trading bank required by a commercial bank mounted on a cash card applet.

As described above, the present invention does not make a separate cash IC card for each bank by utilizing the characteristics of a smart card with a built-in CPU and memory, it is inconvenient to have multiple IC cards for each bank by making a single bank integrated card. It can also eliminate the national loss of huge issuance costs.

In addition, by utilizing the advantages of the OP card as well as the integration of the cash IC card, it can be used for other purposes, such as ID card instead of the current resident card, so as to eliminate the inconvenience of carrying as many dozens of cards in the wallet to facilitate the user's convenience.

1 is a view showing the internal structure of a general open financial IC card.

FIG. 2 is a diagram illustrating an internal structure of a cash card file in the general open card as shown in FIG. 1.

3 is a view showing the internal structure of the file of the integrated cash IC card according to the present invention.

4 is a diagram illustrating a system for issuing an integrated cash IC card according to the present invention.

5 is a flowchart illustrating a process of issuing an integrated cash IC card in the system for issuing an integrated cash IC card according to the present invention.

6 is a flowchart showing a control process of the IC card in actual use in a financial automation device using the integrated cash IC card according to the present invention.

Claims (6)

Main data information for forming a financial common network that connects all banks into one, personal information storing information related to individual customers, main account information storing cash card information, and the personal information and main account information. File control information to control; And a record structure allocated to the main account information area for use by the number of commercial banks. The method of claim 1, And a bank-specific record is allocated to the main account information area, and the record identifier is a bank-specific number. The method of claim 1, And a minimum memory for storing 104 bytes in the main account information area. In a financial system comprising a window terminal, which is a financial automation device, and a host connected to the window terminal and a network so as to centrally control the window terminal, (a) a cash card issuing applicant inserting an IC card to be issued by the window terminal into an IC read / write module to read / write the IC card; (b) the applicant entering personal information through a teller terminal and sending a request message to the host; (c) generating and authenticating the issuing applicant digital signature on the request message in a host security module connected with the host; (d) After the electronic signature is generated and authenticated in step (c), the result value is lowered to the teller terminal through the host, and the cash card information for the cash transaction in the main account area of the cash card applet at the teller terminal. Recording; (e) if the applicant wants to issue from another bank, repeating the steps of (a) to (d). The method of claim 4, wherein The main account information area is assigned as many records for each bank as the number of commercial banks, the record identifier is characterized in that the bank is composed of a unique bank number. In a financial system comprising a window terminal, which is a financial automation device, and a host connected to the window terminal and a network so as to centrally control the window terminal, (a) an IC card user selecting card insertion / transaction at the teller terminal; (b) the user making an IC card contact and inputting an IC card password after the card insertion / transaction selection in step (a); (c) when the IC card user selects a bank in the cash card applet using the selection file command key after inputting the password in step (b), moving to the selected bank main account information location; (d) using the integrated cash IC card, when the counter terminal acquires the information using the lead record command, the financial processing such as withdrawal / inquiry / transfer is performed in the bank selected in the step (c). .