KR20060027589A - Combi-smart card system capable of changing data on magnetic stripe and multiple membership card service method using the same - Google Patents

Abstract

The present invention relates to a combination smart card system having a magnetic stripe (MS) and an IC chip at the same time and a service method thereof. The present invention stores a plurality of membership card service information in the IC chip area of one smart card, and selects and stores the stored membership card information in the MS area as needed, thereby allowing each membership service for each membership service. It provides smart card system and service method that can conveniently receive desired membership service with one smart card without having to carry a card. The combination smart card of the present invention enables a plurality of membership information to be used as a single card without changing the current MS card offline environment.

Description

COMBI-SMART CARD SYSTEM CAPABLE OF CHANGING DATA ON MAGNETIC STRIPE AND MULTIPLE MEMBERSHIP CARD SERVICE METHOD USING THE SAME}

1 is a simplified block diagram of the physical structure of a typical contact smart card.

2 shows a flowchart of a composite membership card service method using the Combi smart card system.

3 shows the configuration of the smart card system of the present invention.

4 shows a smart card configuration of the present invention.

5 is a conceptual diagram illustrating a procedure of changing membership data in a magnetic stripe.

The present invention relates to a combination smart card system having a magnetic stripe (MS) and an IC chip at the same time, and a method of providing a composite membership card using the same. More specifically, the present invention relates to a combination smart card system capable of changing data recorded on a magnetic stripe, and a method for implementing a composite membership card service using the same.

Magnetic stripe (MS) cards are cards in which information is recorded on a data track of a magnetic stripe-shaped magnetic material mounted on a plastic card.

Smart card is an integrated circuit chip (IC chip) with a microprocessor, card operating system, security module, memory, etc., and has a larger storage capacity than a conventional MS card. It is a next-generation card that includes not only security functions such as encryption processing and authentication of connection targets, but also data and information management functions. Generally, according to the interface method with the card terminal, it is classified into a contact card, a contactless card, a hybrid card and a combination card.

1 is a simplified block diagram of the physical structure of a typical contact smart card.

As can be seen in Figure 1, the IC chip mounted in the smart card includes a central processing unit, ROM (Read Only Memory), RAM (Random Access Memory) and EEPROM (Electrically Erasable and Programmable Read Only Memory), etc. Each is connected via a bus.

In general, membership service refers to recording the data for operating the membership on the MS card at the time of initial issuance, and reading the data through the MS reader to check the customer's data and provide the service if necessary.

Meanwhile, a membership service using a smart card using an IC chip has recently been proposed, but in order to convert an existing MS-based membership card into an IC-based smart card, a merchant terminal capable of processing IC chips and data read by the terminal A service network system for processing has to be established, which is currently insufficient for the merchant terminal device or network for IC processing to perform a real service.

Meanwhile, according to the development of society, various membership services are provided. Therefore, in order to use various various membership services, the user must be issued a respective membership card, and in order to use the service, the user must possess the corresponding card. It is inconvenient to carry many cards.

Therefore, if various membership services can be integrated and used in one card, this inconvenience is considered to be eliminated.

However, in the case of the conventional MS card, the storage capacity of the MS area is limited, so that a large number of membership information cannot be stored, and in the case of a smart card having an IC chip having a higher storage capacity than the MS area, the current IC card is processed. Since the offline infrastructure is not established, even if various membership information is stored in the IC chip, it is not practical because it cannot be used.

Accordingly, the present invention is to provide a card system of a new concept that can store a plurality of membership information in a single card medium, select the membership information as needed to use in an offline infrastructure environment with an existing MS reader.

 Specifically, the present invention is to provide a combination smart card system and a composite membership card service implementation method using the same to the MS and IC chip functions in order to manage, integrate and use a variety of membership services as a single smart card do.

Specifically, the present invention stores a plurality of membership card information in the IC chip, when the membership service is required, retrieves the stored membership card information, recorded in the MS area, and through the membership card information recorded in the MS zero The present invention provides a combination smart card system including a MS and an IC chip that can request a membership service, and a composite membership card service method using the same.

The present inventors believe that it is difficult to provide a smart card based membership service only by storing a plurality of membership service information in the smart chip IC chip in a situation where the offline infrastructure for processing smart cards is not sufficiently prepared at present. In view of the fact that the offline infrastructure of the current MS card is sufficiently established, a plurality of membership service information can be stored and used in the storage area of the IC chip using a card medium including the IC chip and the MS area at the same time. By developing membership service information from the IC chip and recording it in the MS area, we developed a combi smart card system that can request membership service through an MS reader.                     

In order to implement the present invention, the combi smart card medium used in the present invention must include an IC chip and an MS area, and must include means for transferring membership data stored in the IC chip to the MS area.

In addition, a card reader capable of recognizing a card medium used in the present invention or a card terminal including a card reader may include means for recording, changing, and deleting membership service information in the MS area. Conversely, it may include means for storing membership service information recorded in the MS area in the storage area of the IC chip.

In addition, when the card terminal of the present invention wants to request a membership service which is not stored in the card medium, the card terminal can access the service provider server providing the service and request membership service information necessary for the service request and download it to the card medium. It may include a means.

However, it is not necessary for all card readers or card terminals including card readers for recognition of the card medium of the present invention to have all of these means.

The card terminal including the card reader or the card reader of the present invention can be roughly classified into an MS card reader and an IC card reader.

A card terminal is a host system that transmits a card command to a card medium and substantially performs a given task through a response received from the card medium. The card terminal communicates with the card medium through a Card Acceptance Devce (CAD) in hardware. And communicate with the card medium in software.

Such card terminals include CAT (Credit Authorization Terminal), Point of Sales (POS) terminal, cash dispenser, cash dispenser, or kiosk, as well as PCS (Personal Communication System) equipped with card terminal applications. ), Wireless terminals including Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyhone System (PHS), Personal Digital Assistant (PDA), smart phones, and the like.

In the description of the present invention, the description of the smart card technology itself and the detailed description of the security technology of the smart card that can be applied to the present invention are beyond the scope of the present invention and thus will be omitted. In addition, it is assumed that a user interface for allowing a user to check and process data is supported separately from the present invention.

Hereinafter, a composite membership card service method using the combination smart card system of the present invention will be described with reference to FIG. 2.

2 shows a flowchart of a composite membership card service method using the Combi smart card system.

The composite membership card service method using the combination smart card system of the present invention

Subscribing to a membership service and receiving a combi smart card (210);

Authenticating a user of the combination smart card via a card terminal (220);

Confirming whether the membership service information to be used is stored in the magnetic stripe of the combi smart card (230);

If the membership service information to be used is not stored in the magnetic stripe, checking the entire membership service information stored in the IC chip of the combi smart card (240);

Selecting membership service information to be used from among membership service information stored in the IC chip of the combi smart card (250);

Storing the selected membership service information in the magnetic stripe (260); And

And requesting a corresponding service using the membership service information stored in the magnetic stripe (270).

The composite membership card service method of the present invention may be performed in a wireless environment through a mobile device.

In the present invention, one or more membership card information may be issued while already being stored in the MS area of the skat card when issuing the first smart card.

In the smart card system of the present invention, when a new membership service is requested, the service is communicated with a membership service provider through a smart card terminal to provide membership subscription information to join a membership, and membership service information required for a request for membership service. Since it can be downloaded and stored through the smart card terminal to be used, there is no need to newly obtain a separate card.

When the smart card user of the present invention is not subscribed to the membership card service, and the membership card information to be used is not stored in the membership card data list of the smart card, the smart card user can use the membership through the smart card terminal. By accessing the card service provider and applying for service subscription, the membership card information can be downloaded and added to the membership card data list of the smart card. In this case, the membership card information is stored in the magnetic stripe so that the service can be used immediately.

In addition, when membership subscription information for a new membership service subscription is requested, the membership subscription information previously stored in the IC chip is called and provided to the service provider server, thereby allowing the user to conveniently enter the membership subscription information without having to re-enter the membership subscription information. You may be asked to join a new membership service.

The membership card service method of the present invention may be a membership service provider which is a separate membership service provider for each of the provided membership services. In this case, the card terminal must request each membership service by communicating with each membership service provider in order to request the desired membership service. In this case, each service terminal should include an interface means for writing the address of each membership service provider.

On the other hand, if the membership service providers cooperate to form one membership service center, the card terminal may access one membership service center and select and communicate with a desired membership service provider from a list of membership service providers. In this case, no interface means for entering the address of the membership service provider is required.

On the other hand, since the present invention includes membership service information in the IC chip, it is natural that not only the terminal having the MS reader function but also the terminal having the IC chip reader function can be used. Therefore, the card service using the membership card or the membership card service system of the present invention can be used as it is even if the membership service is completely replaced from the MS card base to the IC chip base.

The above embodiment of the present invention includes a process of recording membership information to be used for using the MS card offline infrastructure in the MS area in the present situation where the IC chip card offline infrastructure is not sufficient.

Therefore, when the card terminal includes an IC chip reader, and there is no need to store membership information to be used in the MS area, it is not necessary to store membership service information to be used in the MS area.

That is, in the above embodiment, when the membership service information to be used is stored in the IC chip of the combination smart card, it is more preferable to request the membership service directly by selecting the membership service information through the user terminal.

Unlike the above embodiment in which the list of membership service information stored in the IC chip of the Combi smart card is checked and the membership service to be used is selected, the card terminal which provides the list of supported membership service through the user interface is used. Can be.

The card terminal should be contracted with each service provider to provide services of multiple membership service providers.

Combi smart card service method using the card terminal is

Authenticating a user of the combi smart card through a card terminal supporting the multi-membership service;

Selecting a desired membership card service from the list of supported composite membership card services displayed on the card terminal;

Requesting membership card service when the membership information for requesting the selected membership card service is included in the membership information list stored in the IC chip of the Combi smart card;

If the membership information for requesting the selected membership card service is not included in the membership information list stored in the IC chip of the combi smart card, providing membership registration information by connecting to a service provider server providing the corresponding membership card service; And

And transmitting the membership subscription information to the membership service provider server through the user terminal to store membership information for requesting membership service as a combination smart card.

The above embodiment has an advantage of requesting a corresponding service by directly selecting membership service information to be used in a terminal.

In addition, when membership subscription information for a new membership service subscription is requested, the membership subscription information previously stored in the IC chip is called and provided to the service provider server, thereby allowing the user to conveniently enter the membership subscription information without having to re-enter the membership subscription information. You can ask them to join a new membership service.

As a smart card used in the composite membership card service method of the present invention, a new type of smart card having a structure in which an IC chip and an MS can exchange data with each other through a card terminal is used. The membership data can be changed and recorded.

The smart card terminal used in the present invention basically conforms to ISO 7816-1, 2, 3, 4 standards, PS / SC standards, and includes a contact interface for communication with a reader contact of the smart card of the present invention.

Hereinafter, the configuration of the smart card system used in the present invention will be described with reference to FIG.

3 shows the configuration of the smart card system of the present invention.

The smart card system of the present invention includes a smart card 300, card recognizer 310, smart card terminal 320 and the service provider server 330.

In the present invention, the card reader includes card interfacing means, and the card interfacing means comprises an MS reader or an IC chip reader. In addition, the card terminal not only reads the membership information recorded in the MS of the smart card, but also deletes the membership information recorded in the MS of the smart card, corrects the recorded membership information, and records a new membership function. It may include. On the other hand, the card terminal may include means for storing, changing, and deleting membership data information in the IC chip.                     

Therefore, the desired membership service information can be downloaded from one card terminal, and then the desired membership service information can be selected from another card terminal and recorded in the MS area to request membership service through the MS reader.

The card terminal also includes means for converting a data format for storage in the IC chip into a data format for recording in the MS area, or converting a data format recorded in the MS area into a data format for storage in the IC chip. can do.

The smart card terminal receives the information recorded in the MS or the information recorded in the IC chip from the smart card and transmits the information to the service provider server.

The service provider server includes a membership information DB and a membership data management unit.

The membership information DB stores the information of the membership cards stored in the smart card, and provides a list upon request.

The membership data management unit converts the membership information stored in the membership information DB into MS recording data according to a request, or converts the MS data so that it is suitable for storage in the membership information DB.

The smart card system of the present invention may include a device connector for using a mobile device. To this end, the present invention is to create an interface contact that can use the idle contact on the connector for connecting the smart card to the portable wireless device, and to supply power to the card through this, and use it as a user interface for the movement of the desired data To help. The smart card additional contact proposed in the present invention may be connected to an internal antenna or a data signal processing module in the card.                     

The connector is additionally made on the PCB of the smart card medium, allowing communication with the mobile device according to standard protocols.

On the other hand, in the present invention, in order to achieve the above object, the membership service provider, that is, the information on the existing membership card itself should be able to manage the smart card integrator without legal problems, and thus, smart card management system (Smart Card Management) It is essential to build a reliable system and processing process based on System (SCMS).

In addition, security processing such as random random variable generation function, 3-DES encryption / decryption function, and digital signature function used for encryption card authentication, etc. will be required. Since it is outside the scope of the application method itself, a detailed description of these smart card technology itself is excluded from the specification of the present invention.

4 shows a smart card configuration of the present invention.

The smart card 300 used in the present invention includes a smart card open reader contact 301, a magnetic stripe region 302, a smart card IC-MS I / O interface 303, and a membership data storage 304. .

The smart card open reader contact is provided for contact-type communication with the existing smart card reader, and it is possible to connect a mobile device, for example, a mobile phone, for example, a 24-pin information communication standard adapter, and data transmission / reception Follow your phone's standards. In addition, the smart card IC-MS I / O interface enables writing to the MS area for data processing between the IC chip and the MS area.

The membership data storage unit manages and stores membership data, and mainly uses EEPROM, and manages membership data with an applet application program based on the Open Platform (OP) standard or the Multus standard. .

The smart card of the present invention supplies or cuts power to the card through the control of a host application or a user terminal in the same manner as a conventional smart card. That is, the "C7" power supply is used as it is, and this is also used for MS data recording. In this case, MS media using standard three tracks is assumed, and data is stored using a combination of tracks used by an actual membership provider.

5 is a conceptual diagram illustrating a procedure of changing membership data in a magnetic stripe.

As can be seen in Figure 5, the procedure for changing the membership data in the magnetic stripe includes the step of the card user reading the card medium through the card terminal (510); Checking the membership service information stored in the MS area and the IC chip area through the user interface of the card terminal (520); Selecting a desired membership data from the list of membership service information stored in the IC chip area of the card medium (530); If there is no desired membership service information in the IC chip area of the card medium, accessing a service provider server providing a desired service through a user interface (540) and downloading desired membership service information; The selected or downloaded membership service information is implemented through step 550 of recording the MS area. Here, the user interface includes a web page interface such as a PC or an interface of a mobile device such as a mobile phone.

As described above, since the method of switching between the IC and the MS of the membership service information of the present invention is based on a smart card, it is possible to ensure security and smart card for user convenience through cooperation with various membership card service providers. It is expected to be able to provide a base service.

In addition, since the network for implementing the multi-membership card service method of the present invention uses an existing environment, there can be no additional economic burden.

In addition, the composite membership card service method of the present invention may be implemented as a program and stored in a computer-readable recording medium (hard disk or the like).

Although the present invention has been described with reference to the above-described embodiments and the accompanying drawings, these embodiments and the accompanying drawings are provided to aid the understanding of the present invention and are not intended to limit the protection scope of the present invention. It is obvious that changes included therein are also within the protection scope of the present invention.

As described above, according to the present invention, the user inserts his smart card into the IC-MS supporting card terminal, checks the data recorded in the current IC and the MS, and then writes the desired membership data back to the MS. The various membership data required can be stored by membership type in the designated EEPROM area of the IC. Users can use the membership card at the site where the membership card is used, instead of the membership card. You can also use your mobile device to instantly change your membership data on site to get services.

According to the present invention, various membership information can be used as a single smart card by storing data of various existing membership cards in one smart card, and calling and using desired membership card service information as necessary. In addition, since the present invention basically uses the membership information recorded in the MS area, the present invention can be used as it is without changing the current MS card offline environment, thereby providing a solution that enables the use of a plurality of membership information with one card. In addition, the membership card service provider can also reduce costs and facilitate management by operating an online-based membership.

Claims (12)

In the card service method using a combination smart card comprising a magnetic stripe (MS) and an IC chip, Subscribing to a membership service and receiving a combi smart card; Authenticating a user of the combination smart card through a card terminal; Checking whether membership service information to be used is stored in the magnetic stripe of the combination smart card; If the membership service information to be used is not stored in the magnetic stripe, checking the entire membership service information stored in the IC chip of the combi smart card; Selecting membership service information to be used from among membership service information stored in the IC chip of the combi smart card; Recording the selected membership service information in the magnetic stripe; And Combi smart card service method comprising the step of requesting the service using the membership service information stored in the magnetic stripe. The method of claim 1, If the membership service information to be used is not stored in the combination smart card, further comprising the step of communicating with the membership service provider to be used through the card terminal to receive the membership service information and storing in the combination smart card Card service method. The method of claim 2, Sending the subscription information for subscription to the membership service through the card terminal, and receiving the membership service information required for the subscription approval and membership service request from the membership service subscriber. The method of claim 3, wherein When the membership subscription information for a new membership service subscription is requested, the combination smart card service method for calling the membership subscription information pre-stored in the IC chip to the service provider server. The method of claim 1, wherein if the membership service information to be used is stored in the IC chip of the combi smart card, the combination smart card service method comprising directly requesting a membership service by selecting membership service information through a user terminal. . In the card service method using a combination smart card comprising a magnetic stripe (MS) and an IC chip, Authenticating a user of the combi smart card through a card terminal supporting the multi-membership service; Selecting a desired membership card service from the list of supported composite membership card services displayed on the card terminal; If membership information for requesting the selected membership card service is included in the membership information list stored in the IC chip of the Combi smart card, directly requesting the membership card service; If the membership information for requesting the selected membership card service is not included in the membership information list stored in the IC chip of the combi smart card, providing membership registration information by connecting to a service provider server providing the corresponding membership card service; And Combi smart card service method comprising the step of transmitting the membership information to the membership service provider server via the user terminal to store the membership information that can request a membership service as a combi smart card. 7. The method of claim 6, further comprising storing membership service information to be used in a magnetic stripe area of the combination smart card. The method of claim 6, wherein when membership subscription information for a new membership service subscription is requested, calling and providing the membership subscription information previously stored in the IC chip to the service provider server. In the combination smart card service system that can implement a number of membership services as one smart card, A combination smart card including a magnetic stripe (MS) and an IC chip; A card terminal having means for storing, changing, and deleting membership information in the MS area; And Combi smart card service system including a service provider including a membership information database and a membership data management unit. 10. The combination smart card service system according to claim 9, wherein the card terminal has means for storing, changing, and deleting membership data information in the IC chip. 10. The card terminal of claim 9, wherein the card terminal can convert the data format for storage in the IC chip into a data format for recording in the MS area, or the data format recorded in the MS area for a data format for storage in the IC chip. Combi smart card service system comprising a means. The method of claim 9, The smart card service system further comprises a membership data storage unit for managing and storing an IC-MS I / O interface and membership data for processing data signals between the IC chip and the MS area.

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