KR20060019114A - Ic chip card issue/service method and system for support of multi-issuance - Google Patents

Abstract

IC chip card issuance / service method and system supporting multiple issuers and multiple issuers with different interests on one IC chip card issue multiple services or cards with different characteristics and are independent of each other in one smart card application. It is intended to be serviced by The present invention is to unify AID, which is an application program identifier, to configure all services serviced by an IC chip card into one integrated applet, and to configure a service identification code (PIX) as one regardless of the service in the AID system and load it onto the chip card. In other words, the applet is composed of the parts that are executed independently from the parts that are commonly executed according to the service classification code, and only the modules corresponding to the service code are executed so that different services can be executed in one integrated applet. In addition, whenever the power of the mobile communication terminal is "ON", the IC chip card portability is guaranteed by comparing the IC chip card and the chip serial number (CSN) stored in the memory of the mobile communication terminal. Therefore, the present invention can reduce the cost of the IC chip card by issuing multiple card issuers to a single chip card, and provides the effect of increasing the ease of use of the customer by ensuring the IC chip card mobility do.

Multiple Issuers, Smart Card Applications, IC Chip Cards, Mobility Guarantee

Description

IC chip card issue / service method and system for support of multi-issuance}

1A-1B illustrate a conventional IC chip card design concept and process flow;

Figure 2 is a block diagram showing an IC chip card issuance / service system for supporting multiple issuers according to the present invention,

3 is a flowchart illustrating a card issuing process of the system of FIG. 3;

4A-4C illustrate an IC chip card design concept and a processing flow supporting multiple issuers of the present invention;

5 is a view showing a processing flow of IC chip card installation;

6 is a flowchart for explaining an IC chip card mobility check method.

<Description of the symbols for the main parts of the drawings>

10: mobile communication terminal 15: IC chip card

20: mobile communication company system 30: network system

40: card issuer

The present invention relates to an IC chip-based mobile card issuance, and more particularly, to receive a plurality of cards issued by a plurality of issuing companies with different understandings on one IC chip card to be independently serviced. The present invention relates to an IC chip card issuance / service method and a system for supporting a plurality of issuers.

In recent years, payment has been made using a mobile phone in bank financial transactions or commerce. It stores various card information such as card information, electronic bank account, account information, ID (identity card, student ID card, pass card, etc.), ticket, ticket, coupon, etc. in the memory of IC chip card or mobile communication terminal -in) to use as a passbook or card for payment or authentication services.

However, with the development of IC chip cards, the memory of chip cards has increased greatly, and a plurality of cards have been issued to one chip card. The IC chip card issued with a plurality of cards is installed in a chip card socket of a mobile communication terminal and is issued as a mobile card in which financial and mobile communication are combined.

When designing a smart card, an IC chip card, AID (Application Identifier) code is used as an application program identifier. Generally, there is one independent AID code system for each application. Existing IC chip card design method has one AID system for each service, and PIX (Proprietary Application Identifier Extension) assigns service identification code to each service, and applet that executes service is written independently for each service. Loaded.

That is, as shown in Figure 1a, there is one AID and one applet per service in the existing IC chip card. 1A, a credit card, debit card, cash card, ID card,... , For each membership card, credit applet, debit applet, cash applet, ID applet,... There is a membership applet. In order to operate the service in the IC chip designed as described above, the AID code given by the Application Protocol Data Unit (APDU) command is transmitted to the IC chip card in the PDA, the PDA, and the mobile phone. Therefore, only one applet exists for each service because the corresponding applet is selected and made executable.

That is, as shown in FIG. 1B, when a service is provided with three applications of credit, cash, and ID in one IC card, a mobile communication terminal (PTD), a device for driving an IC chip card, is used to drive the IC card. Send the reset command to the IC card (①). The IC card responds by sending an ATR (Answer to reset) command to the PTD (2). The PTD selects an application to process and creates an execution state (③). In other words, PTD selects one of three types of application (AP): credit, cash, and ID. PTD assigns the code corresponding to the selected application to AID, the application program identifier (④). The PTD sends a select command to the IC card using the selected AID (⑤). The IC card executes the application applet (⑥). If the credit card is selected, the credit applet is executed, if the cash card is selected, the cash applet is executed, and if the ID card is selected, the ID applet is executed.

However, in the existing IC card design method as described above, when a large number of applications are mounted on a single chip, most of them are equipped with a separate applet for each application. It is difficult to accommodate many services.

In addition, since the IC chip card is conventionally issued by a limited number of persons in a closed space through a ticket issuing machine at a branch office or a head office, in order to issue a plurality of cards of a plurality of organizations, the card issuing institution is issued every time the card is issued. The customer has to visit with an IC chip card, and the security procedures are different for each issuer. In addition, when multiple issuers issue multiple cards (1-chip / multi-issuance / multi-card) to one IC chip card, ownership of the card, a unique problem of confidentiality corresponding to security, and a smart card memory space It is difficult to find a smart card multi-application that solves these problems due to a lot of restrictions on smart card development, such as problems, parallax due to additional issuance.

In addition, the mobile communication terminal used as a mobile card can be replaced at regular intervals (device change) to ensure the mobility of the IC chip card installed when replacing the mobile communication terminal, and to control the issued card information from the card issuer To do this, it is necessary to know in which mobile communication terminal the IC chip card is mounted.

Accordingly, an object of the present invention has been made in view of the above points, so that customers can be issued using a mobile communication network a plurality of cards issued by a number of issuing customers with different understanding on one IC chip card without visiting each issuer. It provides IC chip card issuing / service method and system that supports multiple issuers to solve code duplication problem and reduce memory by designing to support multiple applications in one applet by unifying AID identifier. have.

It is also an object of the present invention to provide a method for ensuring IC chip card mobility so that an IC chip card can be transferred to a new mobile communication terminal without being reissued when the mobile communication terminal is replaced.

IC chip card issuing method that supports multiple issuers of the present invention for achieving the above object, (1) issuing a card by receiving a phone information authentication request for the mobile communication terminal of the card issuing applicant from the card issuer Transmitting the card issuance information to the applicant's mobile communication terminal; and (3) notifying the card issuance through the wireless Internet connection. Delivering a card issuance list to the received mobile communication terminal to select a card to be issued; (4) issuing the selected card to the card issuer; and (5) the card issuing card issuance request. Issuing the card information encrypted by the issuer and transmitting the card information to the mobile communication terminal; and (6) converting the card information encrypted by the mobile communication terminal to the IC chip car. Stored in and through a predetermined communication channel to the card information stored results comprises the steps of passing the card issuer.

An IC chip card service method for supporting a plurality of issuers for achieving the object of the present invention comprises: (1) configuring a plurality of cards of a plurality of issuers issued to an IC chip card as one integrated applet and an application program identifier (AID); (2) modularizing the integrated applet into a part commonly performed according to a service identification code and a part independently performed by each service code; and (3) the modular integrated applet and an AID into an IC chip card. And (4) selecting the integrated AID to execute the integrated applet loaded on the IC chip card to independently service all cards issued to the IC chip card.

In an IC chip card issuing / service system supporting multiple issuers for achieving the object of the present invention, in a system for allowing multiple cards of multiple issuers to be issued to one IC chip card to be independently serviced, IC chip card for receiving and storing a plurality of cards issued by a plurality of issuers, a mobile communication terminal for mounting the IC chip card for use as a mobile card, and a mobile communication terminal owned by the card issuer. The mobile communication system for authentication, and communication connection between the mobile communication terminal and multiple issuing companies, form a card list issued by multiple issuing companies and delivers to the mobile communication terminal through the connected communication channel, the mobile communication terminal Request issuance of the selected card to the card issuer and manage the history of the issued card and related services. A network information system and a phone information authentication request for a mobile communication terminal owned by the card issuing applicant, and when authenticated by the mobile communication company system, encrypts the card information received and issued to the mobile communication terminal through a previously connected communication channel. It includes a number of card issuer system for.

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

2 is a block diagram of an IC chip card issuing / service system supporting multiple issuers according to the present invention. The system shown in FIG. 2 includes an IC chip card 15 for issuing and storing multiple cards of a plurality of issuers, and a mobile communication terminal 10 for mounting the IC chip card 15 in a socket to use as a mobile card. Equipped. Here, the IC chip card 15 is designed in a new way to solve the problem that occurs when a number of issuers issue (1-chip / Multi-Issuance / Multi-Card) to a single IC chip card. . This will be described later with reference to FIGS. 4A-4B. 2 system is also connected to the mobile communication terminal 10 through a wireless connection with the mobile communication company system 20, the mobile communication terminal 10 for authenticating the availability of the mobile card to the mobile communication terminal owned by the card issuing applicant. A network center 30 for issuing card information OTA (Over The Air) and a plurality of card issuers 40 are provided on the mounted IC chip card 15. The network center 30 has an issue relay server for issuing an OTA of the IC chip card 15 and a smart card management system for managing history management and related services of the issued IC chip card 15; SCMS). A detailed operation of the IC chip card issuance / service for supporting a plurality of issuers in the system of FIG. 2 having such a configuration will be described with reference to FIGS. 3 to 6.

3 is a flowchart illustrating a card issuing process of the system of FIG. 2.

In FIG. 3, the card issuer 40 requests the network center 30 to verify whether the person applying for card issuance owns a mobile communication terminal that can be plugged in (①). . The subscriber's telephone number, social security number, name, etc. may be used for authentication. The network center 30 processes the authentication specialized relaying of the mobile communication terminal information (mobile communication terminal subscriber's telephone number, name, resident number, etc.) owned by the card issuer to the subscribed mobile communication company system 20 (②). The mobile communication company system 20 uses its own database for authentication (whether it is a mobile phone or a person) and transmits the result value to the network center 30 (③). The network center 30 transmits the authentication result to the card issuer 40 requesting the authentication (④). The card issuer 40 constructs card issuing information (issued card name) to the customer who has passed the authentication and transmits it to the network center 30 (⑤). The network center 30 configures a card issuance notification message (including a card name) and transmits an issuance notification message to the mobile communication terminal 10 of the customer using a mobile communication network (SMS) (⑥). When the customer checks the message stored in the mobile communication terminal 10, the customer requests a wireless Internet access to the network center 30 by the call back URL (⑦). E2E security is set between the customer's mobile communication terminal 10 and the network center 30 (⑧). The network center 30 constructs a list of issued cards and transfers them to the mobile communication terminal 10 of the customer through the previously connected communication channel (⑨). The customer selects the card to view the issuance list list through the key operation of the mobile communication terminal 10 for the card to be issued (⑩). The network center 30 requests issuance of the card selected by the customer to the card issuer 40 (⑪), and the card issuer 40 requests an authentication value in order to authenticate whether or not the user has applied for the card (⑫). ). The authentication process (7 digits after the resident number or the card payment password, etc.) designated by the card issuer 40 may be used for identification, or the authentication process may be omitted according to the card issuer 40. When the customer requests an authentication procedure from the card issuer 40, the customer inputs an authentication value required by the card issuer 40 to the mobile communication terminal 10 and transmits the authentication value to the card issuer 40 (⑬). The card issuer 40 issues the card information when the identity is correct, encrypts it through an encryption module installed in the card issuer 40, and transmits the card information to the mobile communication terminal 10 of the customer through a predetermined communication channel (⑭). ). The mobile communication terminal 10 transmits the encrypted card information to the IC chip card 15 (⑮), and the IC chip card 15 stores the encrypted card information and transmits the result value to the mobile communication terminal 10. (16). The mobile communication terminal 10 transmits the result value to the card issuer 40 through the preset communication channel (17).

Here, the IC chip card 15 is designed as shown in Figure 4a to support multiple issuers, unlike the conventional scheme shown in Figure 1a.

4A and 4C are diagrams illustrating an IC chip card design concept and a processing flow supporting multiple issuers according to the present invention.

In smart card design, AID (Application ID) code system is composed of RID (Registered Application Provider Identifier) + PIX (Proprietary Application Identifier Extension). Here, RID is subdivided into registration code + country code + industry classification code + institution code + business code, and PIX is used as service classification code (credit, debit, cash, check, ID, etc.).

The present invention configures all services serviced by the IC chip card 15 into one integrated applet, and configures PIX (service identification code) as one regardless of the service in the AID system and loads it onto the chip card. That is, as shown in FIG. 4A, the integrated AID and the applet exist in the IC chip card 15 regardless of the service. Applets are written by modularizing the parts that are commonly performed according to service classification codes and the parts that are performed independently by service codes. In order to drive the service stored in the IC chip card 15, the AID (AID) given in the APDU instruction in a mobile communication terminal (PDA, mobile phone, etc.) or a terminal (transportation terminal, CAT, POS, dongle, CD / ATM) that drives the chip card is used. Service integration) code and service identification code (2 digits) + card issuing agency code (3 digits) are passed to the IC chip card 15 to select an integrated applet to create an executable state, and to execute the IC chip card instruction. IC chip card (15) by passing the service identification code + card issuing agency code to (p1, p2) so that only the module corresponding to the service code is executed in the applet program so that different services can be executed in one integrated applet. It can save a lot of memory.

When three applications are mounted on a single IC card for service, a comparison between the existing IC card design method and the present invention may be arranged in the following table.

division AID Code Remarks Existing Method The present invention Credit card D410640100 4343 D410640100 4343 The present invention is a single AID system regardless of the application cash card D410640 100 4450 Same as above ID card D410640100 4944 Same as above

As described in the above table, a description will be given of a case where an IC card of the present invention having a single AID system is loaded with three applications of credit, cash, and ID regardless of the application.

As shown in FIG. 4B, the mobile communication terminal (PTD) 20 issues a reset command to drive the IC chip card 15 mounted in the socket of the mobile communication terminal 20. (①). The IC chip card 15 responds by sending an ATR (Answer to reset) command to the PTD 20 (2). The PTD 20 transmits a selection command (Select) to the IC chip card 15 to make the integrated applet an execution state (③). In this case, the used AID is set to a default value regardless of the application. The PTD 20 configures an application type (AP) type identification code inside the mobile communication terminal (PTD) when the customer selects a corresponding service code by using a menu corresponding to the selected application (Menu). At this time, the used AP type identification code consists of a card classification + issuer organization code. The PTD 20 may receive a communication (Ir, RF, Bluetooth, serial, etc.) from the pseudo-terminal terminal (CAT, POS, CD / ATM, etc.) without receiving the AP type identification code (⑤). The PTD 20 transfers the AP identification code to the IC card (6). The IC chip card 15 analyzes the AP identification code and selects the corresponding application code (⑦). Only the part corresponding to the AP identification code in the integrated applet is executed (⑧). That is, even if a plurality of cards are issued and stored in a plurality of issuers 40 in the IC chip card 15, a single integrated applet is formed irrespective of the cards, and only a portion of the integrated applet corresponding to the card to be used. To ensure that the desired service is achieved. For example, when the user enters the credit card and the card issuer code on the mobile communication terminal 10 or through communication with the terminal of the merchant side when paying for the credit card, the card input from the mobile communication terminal 10. And AP type identification code composed of the issuing authority code to the IC chip card (15). The IC chip card 15 analyzes the delivered AP type identification code and executes only the portion corresponding to the application of the credit card in the integrated applet, and transfers the corresponding credit card information among the plurality of cards stored in the integrated applet to the mobile communication terminal 10. To make the payment.

4C illustrates a case in which the IC chip card 15 is embedded in a plastic card instead of the mobile communication terminal 20, and the terminal (dongle, CAT, POS, CD / ATM, etc.) is used to drive the IC chip card 15. The reset command is transmitted to the IC chip card 15 embedded in the plastic card (①). The IC chip card 15 responds by transmitting an Answer to reset (ATR) command to the terminal (2). The terminal sends a select command (Select) to the IC chip card 15 to make the integrated applet an execution state (③). In this case, the used AID is set to a default value regardless of the application. When the terminal selects a code corresponding to the selected application, the terminal configures an application type (AP) type identification code in the terminal (④). At this time, the used AP type identification code consists of a card classification + issuer organization code. The terminal transmits the AP identification code to the IC chip card 15 (⑤). The IC chip card 15 analyzes the AP identification code and selects the corresponding application code (⑥). Only the part corresponding to the AP identification code in the integrated applet is executed (⑦). That is, even if a plurality of cards are issued and stored in a plurality of issuers 40 in the IC chip card 15, a single integrated applet is formed irrespective of the cards, and only a portion of the integrated applet corresponding to the card to be used. To ensure that the desired service is achieved. For example, when the merchant enters the credit card and the card issuer code into the terminal at the time of payment for the credit card, the AP type identification code composed of the card and the issuer code input from the terminal is transferred to the IC chip card 15. The IC chip card 15 analyzes the delivered AP type identification code and executes only the part corresponding to the application of the credit card in the integrated applet, and transfers the corresponding credit card information among the stored cards to the terminal for payment. do.

Meanwhile, when replacing the mobile communication terminal 20 used as a mobile card, the IC chip card 15 needs to be guaranteed to be able to transfer the IC chip card 15 to a new mobile communication terminal without having to reissue a card. And, even if the customer moves the IC chip card 15 arbitrarily, it should be automatically reported to the smart card management system (SCMS) on the network center 30 side. For example, if an IC chip named A is used in a mobile communication terminal called No. 1, SCMS manages information that an IC chip named A is installed in a mobile communication terminal. If for some reason, the customer installs IC chip A on mobile terminal 2, SCMS should know and manage chip A on mobile communication terminal. Only then can the IC chip card be managed (B / L control, addition of new applets, etc.). A business process for this will be described with reference to FIGS. 5 and 6.

5 shows a business process of mounting the IC chip card 15 to the mobile communication terminal 20. As shown in FIG.

In Fig. 5, the IC chip card 15 is mounted (Plug-In) into the socket of the mobile communication terminal (PTD) 20 (①). The PTD 20 requests the chip serial number (CSN) from the IC chip card 15 (2). The IC chip card 15 reads the CSN stored in the chip card and transfers it to the PTD 20 (③). The PTD 20 stores the CSN transferred from the IC chip card 15 in the PTD 20 memory (④). The PTD 20 transmits the CSN and the mobile communication terminal 20 phone number MIN to the SCMS using the mobile communication network (⑤). SCMS is connected to the mobile communication company 20 (dedicated line, Internet, etc.) to identify which mobile communication network is transmitted through the carrier code (eg, SKT, KTF, LGT, etc.), CSN and MIN in the database Save it (⑥).

As such, when the IC chip card 15 is mounted on the mobile communication terminal 20, the chip serial number (CSN) of the mounted IC chip card 15 is stored in the memory of the mobile communication terminal 20, and the smart card management system. The (SCMS) side database includes the mobile communication terminal 20, the telephone number (MIN), the chip serial number (CSN) of the IC chip card 15 mounted on the mobile communication terminal 20, and the mobile communication terminal 20. Mobile carrier identification code is stored.

6 is a flowchart for explaining the IC chip card 15 mobility checking method.

In FIG. 6, whenever the power of the mobile communication terminal (PTD) 20 is " ON " (1), the PTD 20 checks whether the IC chip card 15 is installed or changed. The chip serial number CSN is requested from the IC chip card 15 (2). The IC chip card 15 reads the CSN stored in the chip card and transfers it to the PTD 20 (③). The PTD 20 compares the CSN stored in the memory with the newly received CSN (④), and if it is the same, terminates the process because the IC chip card 15 is not moved (the same as the value registered in the SCMS). (⑦), otherwise, the CSN of the IC chip card 15 is read and stored in the memory of the PTD 20. That is, the CSN previously stored in the memory of the PTD 20 is rewritten. The PTD 20 changes the prestored CSN into the CSN read from the IC chip card 15 and transmits the updated CSN and the telephone number MIN to the SCMS (⑤). SCMS stores the carrier identification code, CSN and MIN in the database (6).

In addition, when the number of the mobile communication terminal 20 is changed, the customer of the mobile communication terminal 20 requests a number change. In the case of the mobile communication terminal 20 in which the IC chip card 15 is mounted, the CSN stored in the mobile communication terminal 20 is deleted.

As described above, an IC chip card issuing / service method and a system for supporting a plurality of issuers of the present invention are provided so that a plurality of cards of a plurality of organizations can be issued to one IC chip card so that they can be independently serviced. The issuer can jointly issue the card to one chip card to reduce the IC chip card cost, increase customer convenience through the implementation of the electronic wallet, and provide 1-chip / multiple services through the independent security function of the card issuer. It provides the same function as issuance / multiple cards, and it can be used to transfer IC chip card to new mobile communication terminal without re-issuing the card when the mobile communication terminal is replaced. Has the effect of increasing the ease of use of the customer.

Claims (17)

In the card issuing method for supporting a plurality of card issuers, (1) receiving the phone information authentication request for the mobile communication terminal of the card issuing applicant from the card issuer and authenticating and transmitting the received phone information to the card issuer; (2) receiving the card issuing information of the applicant who has passed the authentication from the card issuing company and notifying card issuance to the applicant's mobile communication terminal; (3) transmitting a card issuance list to the mobile communication terminal that is notified of card issuance through a wireless Internet connection to select a card to be issued; (4) requesting issuance of the selected card to a corresponding card issuer; (5) encrypting the card information in the card issuer that is requested to issue a card and transmitting the card information to a mobile communication terminal; And (6) issuing an IC chip card supporting multiple issuers, including storing the encrypted card information in the IC chip card in the mobile communication terminal and transferring the card information storage result to the card issuer through a predetermined communication channel. Way. The method of claim 1, wherein the step (1) transmits a request for authentication of phone information of the card issuer to a corresponding mobile communication company, and the mobile communication terminal owned by the card issuing applicant can apply for a mobile card or apply for a card. IC chip card issuing method that supports a plurality of issuance, characterized in that responding to the card issuer receives recognition. The method of claim 1, wherein the step (2) comprises issuing a card issuance notification message including the issued card name, and issuing the issuance notification message to the mobile communication terminal using a mobile communication network (SMS). IC chip card issuing method that supports. 4. The method of claim 3, wherein step (3) (3a) requesting wireless Internet access by a call back URL included in the issuance notification message in the mobile communication terminal; (3b) setting E2E security when the mobile communication terminal and the wireless Internet are connected; (3c) constructing a list of issued cards and delivering them to a mobile communication terminal through a previously connected communication channel; And (3d) A method for issuing an IC chip card for supporting a plurality of issuers, characterized in that the mobile communication terminal has a step of selecting a card to be issued from the cards on the issue list list through a key operation. The method of claim 1, wherein step (5) (5a) requesting an authentication value for identity verification at the card issuer; (5b) inputting the requested authentication value to the mobile communication terminal and transmitting it to the card issuer; (5c) issuing card information when the identity is correct from the authentication value transmitted from the card issuer; And (5d) encrypting the issued card information through an encryption module and transmitting the encrypted card information to a mobile communication terminal through a predetermined communication channel. The method according to claim 1, wherein each time the mobile communication terminal is powered on, the chip serial number (CSN) stored in the IC chip card is read and compared with the previously stored CSN. Change the CSN already stored in the communication terminal to the CSN read from the IC chip card, and transfer the changed CSN and the mobile communication terminal telephone number (MIN) to the smart card management system (SCMS). The IC chip card issuing method further comprises the step (7) of guaranteeing the mobility of the IC chip card by storing the telephone number (MIN) in the SCMS along with the carrier code. The method according to claim 6, wherein the step (7) reads out the CSN stored in the IC chip card and stores it in the memory when the IC chip card is mounted in the mobile communication terminal, and stores the CSN and MIN to the SCMS side using the mobile communication network. IC chip card issuing method, characterized in that the transfer. 7. The IC chip card issuing method according to claim 6, wherein the step (7) deletes the CSN stored in the mobile communication terminal when the mobile communication terminal number change request is made. In the IC chip card service method for supporting a plurality of card issuers, (1) configuring a plurality of cards of multiple issuers issued to the IC chip card with one integrated applet and an application program identifier (AID); (2) modularizing the integrated applet into a part commonly performed according to a service classification code and a part independently performed for each service code; (3) loading the modular integrated applet and AID onto an IC chip card; And (4) Selecting the integrated AID and executing the integrated applet loaded on the IC chip card to service all the cards issued to the IC chip card independently of each other. Way. 10. The method of claim 9, wherein step (4) (4a) transmitting a driving command from the mobile communication terminal to the IC chip card and receiving a response thereto; (4b) selecting an integrated AID in the mobile communication terminal to make the integrated applet loaded in the IC chip card in an executable state; (4c) receiving the card and the issuer identification code or receiving the communication to configure an application (AP) identification code; And (4d) transmitting the configured AP identification code to the IC chip card to perform only a part corresponding to the AP identification code in the integrated applet. 12. The IC as claimed in claim 10, wherein the step (4) comprises, when the IC chip card is embedded in a plastic card, the service terminal constructs an AP identification code and transmits the AP identification code to the IC chip card. Chip card service method. In a system for allowing multiple cards of multiple issuers to be issued to one IC chip card to be serviced independently of each other, An IC chip card for receiving and storing a plurality of cards of a plurality of issuers; A mobile communication terminal for mounting the IC chip card to use as a mobile card; A mobile service provider system for authenticating whether a mobile card is available to a mobile communication terminal owned by the card issuer; Communication is connected between the mobile communication terminal and multiple issuers, forms a list of cards issued by multiple issuers, delivers them to the mobile communication terminal through the previously connected communication channel, and transfers the card selected from the mobile communication terminal to the card issuer. A network system for requesting for issuance, and for managing a history of issued cards and related services; And Issuing a plurality of cards for requesting authentication of the phone information for the mobile communication terminal owned by the card issuing applicant, and is authenticated by the mobile communication company system, encrypting the card information requested for issuance and transmitting the card information to the mobile communication terminal through a previously connected communication channel. IC chip card issuance / service system including four systems. The IC chip card of claim 12, wherein the IC chip card configures an applet and a single identifier (AID) for a plurality of cards issued by multiple issuers, and performs the applet independently of a part commonly performed according to a service identification code. IC chip card issuing / service system, characterized in that the module that is modularized to run only the module corresponding to the service code of the card in the applet program. 13. The mobile communication terminal of claim 12, wherein the mobile communication terminal reads the chip serial number stored in the IC chip card when the IC chip card is installed, and stores the chip serial number in the memory, and stores the chip serial number and the telephone number using the mobile communication network. IC chip card issuance / service system, characterized in that the transfer to the smart card management system (SCMS). 15. The method of claim 14, wherein the mobile communication terminal compares the chip serial number read from the IC chip card with the chip serial number stored in the memory of the mobile communication terminal every time the power is "ON". IC chip card issuance / service system, characterized by detecting installation or modification. 16. The method of claim 15, wherein the mobile communication terminal changes the chip serial number stored in the memory with the chip serial number read from the IC chip card if the comparison result is not the same, and changes the changed chip serial number and the mobile terminal number. IC chip card issuing / service system, characterized in that it is delivered to the card management system (SCMS). 17. The smart card management system of claim 16, wherein the smart card management system (SCMS) manages the IC chip card by storing the chip serial number and the mobile phone number of the IC chip card mounted in the mobile communication terminal together with a mobile carrier identification code in a database. IC chip card issuance / service system, characterized in that.

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