KR20080077061A - System for processing approval for post issuance of icc information - Google Patents

Abstract

A system for approving post issuance of information stored to an ICC(IC Chip) is provided to enable a card issuance facility to utilize a post issuance process as an independent profit source by billing a charge for the post issuance of the information stored to the ICC and promote an SMSC(Short Message Service Center) by linking billing with the SMSC. A receiver receives authentication information stored in an ICC from a card terminal(100) requesting post issuance of the information stored to the ICC. A post issuance code generator(165) generates a post issuance approval signal for the information stored to the ICC based on the authentication information stored in the ICC. A transmitter transmits the post issuance approval signal to the card terminal. A post issuance approval processor(160), which is prepared at a post issuance approval sever(155), authenticates validity of the post issuance approval code by comparing the received post issuance approval code with the post issuance approval code transmitted to the card terminal when the post issuance approval code is received from a post issuance server(135).

Description

System for Processing Approval for Post Issuance of ICC Information}

1 is a simplified diagram showing a preferred charging system for post-issuance of ICC stored information.

2 is a simple flowchart illustrating a process of charging through a post-issuance process using a preferred charging system for post-issuance of ICC stored information.

3 is a simple flowchart illustrating a process of charging and branching a specific billing target through a preferred billing system for post-issuance of ICC stored information.

<Description of main parts of drawing>

100: card terminal device 105: ICC interface

110: post-issuance program 115: post-issuance agent

120: card authentication information generation unit 125: post-issue approval code receiving unit

130: post-issuance agency 135: post-issuance server

140: post-issuance processing unit 145: post-issuance information D / B

150: card issuing authority 155: post-issuance approval server

160: post-issuance approval processing unit 165: post-issuance approval code generation unit

170: post-issue verification code D / B 175: charging policy D / B

180: post-issue approval code D / B 185: card authentication information D / B

190: billing server 195: billing data generation unit

196: billing data D / B 197: payment information D / B

According to the present invention, in an integrated circuit chip (ICC) stored information post issuance system, a means for receiving authentication information stored in an integrated circuit chip (ICC) from a post-issuance request terminal, and stored in an integrated circuit chip (ICC) Means for generating a post-issuance approval code for the integrated circuit chip (ICC) storage information based on authentication information, means for transmitting the generated post-issuance approval code to the post-issuance request terminal, and an integrated circuit chip When the post-issue approval code for post-issue approval is received from the server for processing post-issue issuance, the post-issue approval code is compared with the post-issue approval code sent to the post-issue request terminal and the received post-issue approval code. An ICC storage information post-issuance approval processing system having a means for authenticating the validity of the information.

After a smart card with an ICC is issued to a customer from a card issuer, at least one ICC storage information provider adds / delete / updates new ICC stored information on the ICC mounted on the smart card issued to the above and the customer. Post-issuance is possible.

However, in the post-issuance as described above, in order for the ICC storage information provider to access the storage area of the ICC mounted on the smart card issued to the customer, the ICC storage information is transferred from the card issuing agency to the specific ICC storage area where the ICC storage information will be post-issued. Access rights must be obtained.

According to a known post-issuance process, an ICC Store Information Provider may be placed on an ICC mounted on a Smart Card issued to a Customer, either through direct strategic alliance with a card issuer or indirect through the Smart Card Management System (SCMS). After acquiring access rights to the specific ICC storage area provided, the specific ICC storage information is post-issued to the customer's smart card through a series of promotions.

On the other hand, if post-issuance of the ICC storage information is activated and various services are developed, the card issuer may store the ICC storage information in a specific ICC storage area provided on the ICC mounted on the smart card issued by the ICC storage information provider to the customer. Instead of providing post-issuance access, it may be necessary to charge the post-issuance of the ICC stored information to the ICC stored information provider and / or the customer with the smart card.

An object of the present invention for solving the above problems is a means for receiving the authentication information stored in the integrated circuit chip (ICC) from the post-issuance request terminal in the integrated circuit chip (ICC) storage information post-issuance system And means for generating a post-issuance approval code for the integrated circuit chip (ICC) storage information based on the authentication information stored in the integrated circuit chip (ICC), and the generated post-issuance approval code to the post-issuance request terminal. When the post-issue approval code for post-issuance approval is received from the server for processing the post-issuance means and the integrated circuit chip (ICC) storage information post-issuance, the post-issue approval code transmitted to the post-issuance request terminal and after receiving To provide an ICC stored information post-issuance approval processing system having a means for authenticating the validity of post-issuance approval codes by comparing the issuance approval codes. have.

ICC storage information post-issuance approval processing system according to the present invention, in the integrated circuit chip (ICC) storage information post-issuance (ICC) system, receiving the authentication information stored in the integrated circuit chip (ICC) from the post-issuance request terminal Means for generating a post-issuance approval code for the integrated circuit chip (ICC) storage information based on the means and the authentication information stored in the integrated circuit chip (ICC), and the post-issued request terminal Means for transmitting to the post-issuance approval code for the post-issuance approval from the server for processing post-issuance of the integrated circuit chip (ICC) stored information, and the post-issuance approval code and the received And a means for authenticating the validity of the post-issue approval code by comparing the post-issue approval code.

According to the present invention, the integrated circuit chip (ICC) is mounted on or detached from the mobile phone.

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.

According to an embodiment of the present invention, the charging system for post-issuance of ICC storage information according to the present invention includes a card terminal device linked to a smart card of a customer, and the ICC storage information to the smart card of the customer through the card terminal device. At least one post-issuance organization for issuing post-issues, a card issuing authority for issuing smart cards to customers and managing access rights to the smart cards, an authentication authority for authenticating post-issuance processes, a card issuing agency, And a smart card management system (SCMS) provided between post-issuance agencies, and at least one wired and / or network adapter connecting the system components.

However, in the above charging system for the issuance of ICC stored information, the certification authority, SCMS, etc. may obscure the gist of the present invention. The technical features of the present invention will be described using a brief drawing consisting of a card terminal device, a post-issuance agency, and a card issuing agency, which are necessary for a charging system for post-issuance of ICC storage information. However, as described above, the technical idea of the present invention is not limited only to the drawings and description below, and the actual technical idea of the present invention results in the claims.

According to the drawings and the description included in the preferred embodiment of the present invention, in the charging system for the post-issuance of the ICC storage information, at least one defined in consideration of the function of the card terminal device, post-issuance agency, and card issuing organization, etc. The above function performing unit and at least one D / B for storing information and data necessary for performing the function are included, but the function performing unit and the D / B, etc. are customary to effectively explain the gist of the present invention. According to the appropriate name.

Therefore, as described above, the technical idea of the present invention is not limited by the names and defined functions of the function performing unit and the D / B included in the following drawings and descriptions, and the actual technical idea of the present invention results in claims. .

1 is a simplified diagram showing a preferred charging system for post-issuance of ICC stored information.

Referring to FIG. 1, a preferred charging system for post-issuance of ICC stored information includes a card terminal device 100, a post-issuance agency 130, a card issuing agency 150, and the like. And the role is described as follows.

The card terminal device 100 may read / write / update at least one or more information and / or data stored in the ICC mounted on the smart card according to the smart card standard such as ISO / IEC 7816 and / or ISO / IEX 14443. And processing, processing and processing of information and / or data read from the ICC, and processing and processing of information and / or data to be written and / or updated by the ICC. And post-issuance of at least one or more ICC storage information in the storage area of the ICC.

According to the smart card standard such as ISO / IEC 7816 and / or ISO / IEX 14443, the card terminal device 100 includes at least one ICC interface 105 for interfacing with an ICC mounted on a smart card in hardware, and At least one input / output device for performing input and / or output functions, a memory unit for storing a series of information and data for reading / writing / updating or the like for the ICC, and communicating the information and / or data with an external device And a communication processing unit for performing the same, and at least one card terminal program for performing a series of tasks related to read / write / update of the ICC mounted in the smart card by software is provided.

According to a preferred embodiment of the present invention, the card terminal device 100 includes a special purpose smart card terminal such as a credit authorization terminal (CAT), an automatic teller machine (ATM), a cash dispenser (CAD), and / or a kiosk, and the like. General purpose smart card terminals such as a computer on a wired network equipped with an ICC interface 105 and a card terminal program and / or a wireless terminal on a wireless network.

Referring to FIG. 1 according to a preferred embodiment of the present invention, the card terminal device 100 communicates with an ICC mounted on a smart card through an ICC interface 105, and also a post-issuance organization on a network through a communication processing unit. Post-issuance program 110 to communicate with the post-issuance server 135 provided in 130, and post-issuance agent interlocked with the post-issuance program 110 and communicate with the card issuing authority 150 on the network through a communication processing unit 115 and the like are provided.

The post-issuance program 110 included in the card terminal device 100 is at least one or more card terminal programs provided in the card terminal device 100 by software, and includes an ICC mounted on a smart card through the ICC interface 105. It is characterized in that it communicates with the post-issuance server 135 provided in the post-issuance organization 130 on the network through the function of communication and the communication processing unit.

According to a preferred embodiment of the present invention, the post-issuance program 110 communicates with the post-issuance server 135 provided in the post-issuance agency 130 throughout the present invention, in particular at the first stage of the present invention. The post-issuance agent 115 is driven in cooperation with the post-issuance server 135 provided in the issuing authority 130, and the post-issuance approval code provided from the post-issuance agent 115 in the second step is issued to the post-issuance server 135. ) And post-issuance of the ICC storage information transmitted from the post-issuance server 135 to the post-issuance area on the ICC mounted on the smart card through the ICC interface 105 after the fourth step process is performed. Perform.

The post-issuance agent 115 provided in the card terminal apparatus 100 is at least one or more card terminal programs provided in the card terminal apparatus 100 in software, interworked with the post-issuance program 110, and is networked through a communication processor. It is characterized in that the communication with the card issuer 150.

According to a preferred embodiment of the present invention, the post-issuance agent 115 communicates with the post-issuance approval server 155 provided at the card issuing agency 150 provided at the post-issuance agency 130 throughout the present invention. In particular, in the first step of the present invention, card authentication information is generated and transmitted to the post-issuance approval server 155 provided in the card issuing authority 150, and is generated and transmitted from the post-issuance approval server 155. It serves to provide the approval code to the post-issuance program (110).

In addition, according to a preferred embodiment of the present invention, the post-issuance agent 115 is a post-issuance of the card authentication information generation unit 120 according to the communication relationship with the post-issuance approval server 155 provided in the card issuing authority 150 It is possible to distinguish by the approval code receiving unit 125 and the like.

For example, the card terminal device 100 of FIG. 1 is a computer provided with an ICC interface 105, a post-issuance agent 115 composed only of a post-issuance program 110 and / or a card authentication information generation unit 120, and the like. The card issuing agency 150 is a mobile communication company, and the post-issuance approval code receiver 125 of the post-issuance agent 115 may be provided in the wireless terminal. In this case, the post-issuance approval code received by the wireless terminal may be transmitted to the computer. It is possible to input to the post-issuance agent 115 through an provided input device (eg, a keyboard) and provide the post-issuance program 110.

The post-issuance organization 130 is a post-issuance area of the ICC mounted on the smart card through the card terminal device 100 according to the smart card standard such as ISO / IEC 7816 and / or ISO / IEX 14443, and the like. As the post-issuance engine, at least one post-issuance server 135 is provided.

According to a preferred embodiment of the present invention, the post-issuance agency 130 is provided to the customer under the management and control of the card issuing agency 150 through a business alliance with the card issuing agency 150. It is a post-issuance area on the ICC mounted in the issuing smart card, which is mounted on the smart card under the management and control of the card issuing organization 150 on behalf of at least one or more independent institutions that post-issuance at least one or more ICC storage information. The post-issuance area on the ICC may include a smart card management system (SCMS) for performing a function of post-issuing at least one or more ICC stored information.

Referring to Figure 1 according to a preferred embodiment of the present invention, the post-issuance engine 130 is provided with a post-issuance server 135, the post-issuance server 135 is interlocked with at least one card terminal device 100 And a function execution unit for performing a known function for post-issuing at least one or more ICC storage information to a post-issuance area on an ICC mounted on a smart card, and additionally, preferable charging for post-issuance of ICC storage information proposed by the present invention. Post-issuance processing unit 140 and post-issuance D / B (145) is provided for the function of the system.

The post-issuance processing unit 140 provided in the post-issuance server 135 is a server program provided in the post-issuance server 135 to function as a preferable charging system for post-issuance of ICC stored information presented by the present invention. A function for communicating with the post-issuance program 110 included in the device 100, and a post-issuance approval processing unit 160 provided in the post-issuance approval server 155 provided in the card issuing authority 150, It is done.

According to a preferred embodiment of the present invention, the post-issuance processing unit 140 communicates with the post-issuance program 110 provided in the card terminal device 100 throughout the present invention, and in particular, the card in the first step of the present invention. The terminal device 100 requests to generate a post-issuance approval code through the post-issuance approval server 155 of the card issuing authority 150, and in the second step, the post-issuance program 110 provided in the card terminal device 100. After receiving the post-issuance approval code provided from), and the fourth step process is performed through the post-issuance program 110 provided in the card terminal device 100 at least one ICC stored information mounted on the smart card ICC Post-issuance in the post-issuance area of the award.

In addition, the post-issuance processing unit 140 communicates with the post-issuance approval server 155 provided in the card issuing authority 150 throughout the present invention, particularly from the card terminal apparatus 100 in the third step of the present invention. Provide the post-issuance approval code and the post-issuance information extracted from the post-issuance information D / B 145 to the post-issuance approval processing unit 160 provided at the post-issuance approval server 155 of the card issuing agency 150. And, after the fourth step process is performed to perform a role, such as receiving a post-issuance code provided from the post-issuance approval processing unit 160 provided in the post-issuance approval server 155.

The post-issuance information D / B 145 provided in the post-issuance server 135 for the function of the preferred charging system for post-issuance of ICC stored information presented by the present invention is a database provided in the post-issuance server 135, The post-issuance server 135 performs post-issuance of the information on at least one or more ICC stored information to be post-issued to the post-issuance area on the ICC mounted on the smart card through the card terminal device 100 and the ICC stored information to the smart card. Post-issuance agency information and the like are stored.

According to a preferred embodiment of the present invention, the post-issuance information stored in the post-issuance information D / B 145 is executed by the card issuing authority 150 together with the post-issuance approval code in the third step of the present invention through the post-issuance processing unit 140. Is provided to the post-issuance approval processing unit 160 provided in the post-issuance approval server 155, the post-issuance approval processing unit 160 processes the post-issuance approval, and also the billing data generation unit of the billing server 190 195 provides information for generating charging data and / or payment information for post-issuance of the ICC stored information.

According to a preferred embodiment of the present invention, the information on the ICC storage information stored in the post-issuance information D / B (145) is charged by the post-issuance approval processing unit 160 provided in the post-issuance approval server 155 billing policy D / B It is used to extract and read the charging policy corresponding to the ICC stored information from 175, and the post-issuance agency information is used by the charging data generation unit 195 of the charging server 190 to select a charging target to generate payment information. Used.

The card issuing agency 150 manufactures a smart card equipped with an ICC according to a smart card standard such as ISO / IEC 7816 and / or ISO / IEX 14443, and the card service and / or using the smart card from the card issuer's point of view. Issuing at least one ICC storage information capable of providing a product issued to the customer, and performs the overall management and / or control function for the card service and / or product providing process using the smart card, It is characterized in that the overall management and / or control function for the mounted ICC storage area.

According to a preferred embodiment of the present invention, in addition to the well-known components, the card issuing authority 150 may further include a post-issuance approval server 155 and a billing server 190 for a preferred billing system for post-issuance of ICC stored information. It is provided.

Referring to Figure 1 according to a preferred embodiment of the present invention, the post-issuance approval server 155 is a post-issuance approval code generation unit 165 and post-issuance approval for generating a post-issuance approval code in the first step of the present invention The code D / B 180 and the card authentication information D / B 185 are provided, and the post-issuance approval and billing processing is performed through the post-issuance approval code in the third and / or fourth steps of the present invention. Post-issuance approval processing unit 160, post-issuance authentication code D / B (170), and charging policy D / B (175) is provided for.

The post-issuance approval code generation unit 165 included in the post-issuance approval server 155 is a server program included in the post-issuance approval server 155 and includes a post-issuance agent 115 provided at the card terminal device 100. It is characterized in that the communication.

According to a preferred embodiment of the present invention, the post-issuance authorization code generation unit 165 communicates with the post-issuance agent 115 provided in the card terminal device 100 throughout the present invention, and in particular, the first of the present invention. In step (c) performs validity authentication on the card authentication information transmitted from the post-issuance agent 115 provided in the card terminal device 100, and generates a post-issuance approval code based on the card authentication information whose validity is authenticated. The post-issuance authorization code generated as described above is performed to transmit to the post-issuance agent 115 provided in the card terminal device 100.

According to a preferred embodiment of the present invention, the post-issuance approval code generated by the post-issuance approval code generation unit 165 passes back to the post-issuance approval server 155 via the card terminal device 100 and the post-issuance server 135. It is received by the post-issuance approval processing unit 160 provided.

The post-issuance approval code D / B 180 provided in the post-issuance approval server 155 is the post-issuance approval generated by the post-issuance approval code generator 165 based on the card authentication information provided from the card terminal device 100. A D / B that temporarily stores a code for a certain period of time and / or while the post-issuance approval code is received by the post-issuance approval server 155 via the card terminal device 100 and the post-issuance server 135, and then The issuance approval processing unit 160 compares the post-issuance approval code stored in the post-issuance approval code D / B 180 and the post-issuance approval code transmitted from the post-issuance server 135, and compares the comparison result with ICC stored information. The billing information for the post-issuance certification and / or billing data generation for the post-issuance is determined.

The card authentication information D / B 185 provided in the post-issuance approval server 155 may include validity authentication information for the card authentication information provided by the post-issuance approval code generator 165 from the card terminal device 100, and the card. The D / B stores the initial value for generating the authentication information for the post-issuance approval code and the member information for the smart card customer corresponding to the card authentication information, and the post-issuance approval code generation unit 165 authenticates the card. On the basis of the validity authentication information stored in the information D / B, the validity of the card authentication information transmitted from the card terminal device 100 is authenticated, and the post-issue approval code initial value stored in the card authentication information D / B (185). Generates a one-time post-issuance approval code based on the above, and further, the post-issuance approval processing unit 160 is a smart card from the card authentication information D / B 185 based on the post-issuance approval code transmitted from the post-issuance server 135. customer Extract the Profile.

The post-issuance approval processing unit 160 provided at the post-issuance approval server 155 is a server program provided at the post-issuance approval server 155 and communicates with the post-issuance processing unit 140 provided at the post-issuance server 135. It is characterized in that the communication with the function and the charging data generation unit 195 provided in the charging server 190.

According to a preferred embodiment of the present invention, the post-issuance approval processing unit 160 generates the billing data provided in the post-issuance processing unit 140 and the billing server 190 provided in the post-issuance server 135 throughout the present invention. 195 and the like, in particular, in the third step of the present invention, the post-issuance approval code and post-issuance information transmitted from the post-issuance processing unit 140 provided in the post-issuance server 135 are received, and according to the present invention, In step 4, the identity of the post-issuance approval code and the post-issuance approval code temporarily stored in the post-issuance approval code D / B 180 is authenticated, and if the identity is verified, the corresponding billing from the billing policy D / B 175. Extracts the policy information, and transmits the charging policy information, the post-issuance approval code and the post-issuance information to the billing data generation unit 195 provided in the billing server 190, and the billing process is completed from the billing server 190. To post-issue verification code D / B (170) After having issued after the server 135 after the emitter to extract the authentication code is issued by performing such functions to transmit to the issuing processor 140.

The post-issuance authentication code D / B 170 provided in the post-issuance approval server 155 is after the preferred charging process for post-issuance of the ICC storage information is completed according to the preferred method of the present invention. A D / B storing a post-issuance authentication code for post-issuing at least one or more ICC storage information in a post-issuance area on an ICC mounted on the smart card, wherein the post-issuance server 135 is provided with the post-issuance authentication code. Only when it is possible to post-issue at least one or more ICC storage information to the smart card of the customer through the card terminal device (100).

The billing policy D / B 175 provided in the post-issuance approval server 155 is a D / B storing a billing policy necessary for the preferred billing process for post-issuance of ICC storage information according to a preferred embodiment of the present invention. In the billing policy D / B 175, in the process of post-issuing at least one or more ICC storage information for at least one or more post-issuance agencies 130 to a specific smart card, information on the billing target and the amount of payment All types of billing policies are stored, including information about the government, information on first-aid and / or first aid when errors occur during the post-issuance and / or billing process.

Referring to FIG. 1 according to a preferred embodiment of the present invention, the charging server 190 is at least one provided from the post-issuance approval processing unit 160 provided in the post-issuance approval server 155 in the fourth step of the present invention. A billing data generation unit 195 for generating billing data based on the above billing information (e.g., membership information for smart card customers, post-issuance agency information, billing policy information, and the like), and billing data generated as described above. Billing data D / B 196 for storing the billing data, and billing information D / B 197 for storing billing information for billing as a billing target.

The billing data generator 195 included in the billing server 190 is a server program provided in the billing server, and is characterized in that it communicates with the post-issuance approval processing unit 160 provided in the post-issuance approval server 155.

According to a preferred embodiment of the present invention, the billing data generation unit 195 communicates with the post-issuance approval processing unit 160 provided in the post-issuance approval server 155 throughout the present invention, in particular the fourth of the present invention. Receive at least one or more billing information from the post-issuance approval processing unit 160 provided in the post-issuance approval server 155 in step, generates billing data based on the received billing information, and based on the billing data It acts as a series of billing processing to generate payment information.

According to a preferred embodiment of the present invention, after the charging process is completed from the charging data generation unit 195, the post-issuance approval processing unit 160 provided in the post-issuance approval server 155 extracts the post-issuance authentication code and post-issuance. Send to server 135.

According to another exemplary embodiment of the present invention, the post-issuance approval processing unit 160 provided in the post-issuance approval server 155 extracts the post-issuance authentication code and transmits it to the post-issuance server 135, and the post-issuance server 135 After a series of post-issuance processing is completed, the billing data generation unit 195 may start the billing processing process.

The billing data D / B 196 provided in the billing server 190 is a D / B for storing billing data generated by the billing data generator 195 and has a function of accumulating billing data for a specific billing target. to provide. According to FIG. 3 of the present invention, in the fourth step of the present invention, the billing data is generated and the payment information is generated for a specific billing target at the same time, but this is for briefly explaining the gist of the present invention. After accumulating billing data for a certain billing target for a certain period of time, payment information is generated for the billing target. The billing data D / B 196 generates billing data for a specific billing target for a certain period of time. To accumulate.

The payment information D / B 197 provided in the billing server 190 stores D / B for storing payment information for billing based on the billing data accumulated in the billing data D / B 196 for a specific billing object. As B, the billing server bills a particular billing subject based on the billing information stored in the billing information D / B 197.

Figure 2 is a simple flow chart of the charging process through the post-issuance process using the preferred charging system for post-issuance of ICC stored information.

2 is a post-issuance system composed of a card terminal device 100, a post-issuance agency 130, and / or a card issuing agency 150, at the same time authenticating a post-issuance through a post-issuance approval code, Based on the post-issuance approval code, it is a preferable process to determine and charge the billing information for post-issuance of ICC stored information.

According to a preferred embodiment of the present invention, the post-issuance process using the preferred billing system for post-issuance of ICC stored information proposed by the present invention, the smart card customer uses the ICC interface 105 provided in the card terminal device 100. Inserting the smart card into the card terminal device 100, authenticating the validity of the smart card according to a smart card standard such as ISO / IEC 7816 and / or ISO / IEX 14443 (200), and a known ICC through a network. Similar to the stored information post-issuance process, the post-issuance program 110 included in the card terminal device 100 requests to post-issue at least one or more ICC stored information from the post-issuance server 135 to the smart card that has been validated. It is initiated through the process (202).

When the post-issuance program 110 included in the card terminal device 100 requests post-issuance of at least one or more ICC stored information to the post-issuance server 135 through the above process (204), the post-issuance server ( The post-issuance processing unit 140 provided at 135 is a post-issuance authentication code for the post-issuance area on the ICC mounted on the smart card according to the post-issuance process of the preferred charging system for post-issuance of ICC stored information presented by the present invention. In order to obtain the request, the post-issuance approval code is requested to the post-issuance program 110 included in the card terminal device 100 (206).

For example, if the card terminal device 100 is a computer provided with the ICC interface 105 and the post-issuance program 110 is a web browser, a window for inputting a post-issuance approval code is output to the web browser.

According to a preferred embodiment of the present invention, the issuance approval code requested by the post-issuance processing unit 140 provided in the post-issuance server 135 is a post-issuance approval server provided in the card issuing agency 150 based on the card authentication information. 155).

Therefore, after the post-issuance program 110 included in the card terminal device 100 is connected through the network with the post-issuance approval server 155 to generate a post-issuance approval code through the post-issuance approval server 155. The issuing agent 115 is driven (208).

For example, the card terminal device 100 is a computer provided with the ICC interface 105, the post-issuance program 110 is a web browser, and the post-issuance agent 115 is plug-in linked with the web browser. ), The web browser runs the plug-in.

When the post-issuance agent 115 is driven in the card terminal device 100 as described above, the post-issuance agent 115 is at least directly from the smart card through the ICC interface 105 or through the post-issuance program 110. Extract one or more card authentication information, or at least one input device (eg, a PIN (Personal Identification Number) pad, keyboard, biometric input device, etc.) that the post-issuance agent 115 is provided in the card terminal device 100. Receives at least one piece of authentication information through to generate card authentication information, and transmits the card authentication information generated as described above to the post-issuance approval code generation unit 165 provided in the post-issuance approval server 155 through the network. (210).

The post-issuance approval code generation unit 165 of the post-issuance approval server 155 that has received the card authentication information from the card terminal device 100 validates the card authentication information stored in the card authentication information D / B 185. The validity of the card authentication information is authenticated through the information (212).

If the validity of the card authentication information is not authenticated (214), the post-issuance authorization code generation unit 165 requests retransmission of valid card authentication information to the post-issuance agent 115 provided in the card terminal device 100. In step 216, the card issuance agent 115 receives card authentication information other than card authentication information that is not validated as described above, and repeats the validity authentication process for the card authentication information.

On the other hand, if the validity of the card authentication information is authenticated (218), the post-issuance authorization code generation unit 165 is based on the card authentication information transmitted from the post-issuance agent 115 provided in the card terminal device 100; The invention generates a post-issue approval code, wherein the post-issue approval code generated as described above is a single-use approval code, and the copy is substituted by assigning the initial value of the post-issue approval code stored in the card authentication information to a specific post-issue approval code algorithm. Generate a unique disposable post-issue approval code that is not possible (220).

As described above, the post-issuance approval code generated as a post-issuance is received by the post-issuance approval server 155 through a card validity period and / or the post-issuance approval code through the card terminal device 100 and the post-issuance server 135 again. Temporary store for 222.

Then, the post-issuance approval code generation unit 165 transmits the post-issuance approval code generated based on the card authentication information as described above to the post-issuance agent 115 through the network (224).

The post-issuance agent 115 receiving the post-issuance approval code from the post-issuance approval server 155 transfers the post-issuance approval code through the post-issuance program 110 through the post-issuance processing unit 140 of the post-issuance server 135. Provided as (226).

According to a preferred embodiment of the present invention, it is preferable that the above process is automatically processed in the card terminal device 100. For example, the card terminal device 100 is a computer equipped with the ICC interface 105, the post-issuance program 110 is a web browser, and the post-issuance agent 115 is an ActiveX control linked to the web browser. In the case of a plug-in, a web browser outputs an input window for inputting a post-issue approval code, and the plug-in automatically inputs a post-issue approval code into the input window. In general, the process is achieved by IPC (InterProcess Communication) using automation.

When the post-issuance approval code is provided to the post-issuance processing unit 140 of the post-issuance server 135 through the above process, the post-issuance processing unit 140 receives the card terminal device 100 from the post-issuance information D / B 145. Extracts and / or generates post-issuance information for the ICC storage information to be issued to the smart card of the customer through 228.

Then, the post-issuance processing unit 140 is a post-issuance approval code provided to the post-issuance program 110 included in the card terminal device 100 and the corresponding ICC extracted and / or generated from the post-issuance information D / B 145. Providing post-issuance information for the stored information to the post-issuance approval processing unit 160 provided in the post-issuance approval server 155, and the post-issuance authentication required for post-issuance of the ICC stored information from the post-issuance approval processing unit 160. Request a code (230).

According to a preferred embodiment of the present invention, the post-issuance processing unit 140 provides the post-issuance approval code and the post-issuance information together to the post-issuance approval processing unit 160 of the post-issuance approval server 155.

According to another exemplary embodiment of the present invention, if the post-issuance processing unit 140 is processed and generated to include post-issuance information in the post-issuance approval code, the post-issuance processing unit 140 is only post-issuance approval code. The post-issuance approval processing unit 160 of the server 155 is provided.

When the post-issuance approval code is transmitted to the post-issuance approval processing unit 160 provided in the post-issuance approval server 155 as described above, the post-issuance approval processing unit 160 is the post-issuance approval server 155 before and after After issuance approval code generated by the issuance approval code generation unit 165 and stored in the post-issuance approval code D / B (180), and the post-issuance approval provided from the post-issuance processing unit 140 of the post-issuance server 135 The code compares identity (232).

If the identity for the post-issue approval codes is not authenticated (234), the post-issue approval processing unit 160 generates a post-issue approval error message, and post-issues the post-issue approval error message after the post-issue server 135. After issuing and outputting to the post-issuance program 110 provided in the card terminal device 100 through the issuing processor 140 (236), the post-issuance approval using the post-issuance approval code and the post-issuance approval code The charging process for the post-issuance is terminated.

On the other hand, if the identity of the post-issuance approval codes is authenticated (238), the post-issuance approval processing unit 160 determines the comparison result of the post-issuance approval code as the start condition of charging for the post-issuance of the ICC stored information.

According to a preferred embodiment of the present invention, a preferred charging method for post-issuance of ICC stored information is, for example, after the post-issuance approval processing unit 160 charges a specific billing target in association with billing data, as shown in FIG. The post-issuance server 135 post-issues at least one or more ICC stored information to the smart card of the customer through the card terminal device 100 by approving the post-issuance of the ICC storage information based on the completion of the charging process.

According to another exemplary embodiment of the present invention, another charging method for post-issuance of ICC stored information may include a post-issuance approval server 155 approving post-issuance of the ICC stored information so that the post-issuance server 135 may perform a card terminal device 100. After issuing at least one or more ICC stored information to the customer's smart card, the post-issuance approval processing unit 160 charges a specific billing target in connection with the billing data based on the post-issuance completion result. All.

Referring to FIG. 2 according to the preferred embodiment of the present invention, after the post-issuance approval processing unit 160 determines the comparison result of the post-issuance approval code as the starting condition of charging for the post-issuance of the ICC stored information (240), The issuance approval processing unit 160 interworks with the charging data generation unit 195 provided in the charging server 190 to generate and charge the charging data for the post-issuance target for a specific charging target according to the charging policy (242). ).

A preferred case of generating and charging the billing data for the post-issuance for a specific billing subject for the post-issuance of the ICC stored information will be described with reference to FIG. 3.

As described above, when the billing data is generated and the billing process is completed for the post-issuance of the ICC storage information for the specific billing target (244), the post-issuance approval processing unit 160 from the post-issuance authentication code D / B 170 The post-issuance authentication code for the post-issuance approval of the ICC stored information is extracted and transmitted to the post-issuance processing unit 140 provided in the post-issuance server 135 (246), and the post-issuance processing unit 140 is the post-issuance authentication The ICC storage information is post-issued to the smart card of the customer through the post-issuance program 110 provided in the card terminal device 100 based on the code (248).

3 is a simple flowchart of a process of charging and branching a specific billing target through a preferred billing system for post-issuance of ICC stored information.

3 compares the identity of the post-issue approval code generated based on the card authentication information and the post-issue approval code transmitted from the post-issue server 135 on the flowchart of FIG. 2, and based on the comparison result, the ICC. In the process of determining the charging information for the post-issuance of the storage information, it relates to a preferable process of charging the target object.

That is, in the flowchart of FIG. 2, the post-issuance approval processing unit 160 included in the post-issuance approval server 155 is extracted from the post-issuance approval code D / B 180 to the post-issuance approval code and the post-issuance server 135. If the identity of the post-issuance approval code provided from the provided post-issuance processing unit 140 is authenticated (300), the post-issuance approval processing unit 160 is smart using the post-issuance approval code based on the comparison result of the post-issuance approval code. The member information about the card customer is extracted (305).

According to a preferred embodiment of the present invention, the post-issuance approval processing unit 160 may extract and extract member information corresponding to the post-issuance approval code by searching the card authentication information D / B 185.

In addition, the post-issuance approval processing unit 160 posts from the charging policy D / B 175 based on the post-issuance information provided from the post-issuance processing unit 140 provided in the post-issuance server 135 together with the post-issuance approval code. The charging policy information about the issuing agency 130 information and the corresponding ICC storage information to be issued later by the customer smart card is extracted (310).

If the post-issuance approval processing unit 160 extracts the billing information including the customer's member information, the post-issuance agency 130 information, and / or the billing policy information for the corresponding ICC stored information, and the like, the post-issuance approval processing unit 160 is approved. The processor 160 transmits the charging information extracted as described above to the charging data generator 195 provided in the charging server 190 (315).

The billing data generation unit 195 that has received the billing information capable of billing processing from the post-issuance approval processing unit 160 provided in the post-issuance approval server 155 is after the ICC stored information from the billing policy included in the billing information. The charging target for the issue is determined (320).

According to a preferred embodiment of the present invention, the charging target for the post-issuance of the ICC stored information can be determined by the post-issuance agency 130 for post-issuing the ICC stored information to the smart card of the customer.

According to another exemplary embodiment of the present invention, the charging target for the post-issuance of the ICC stored information may be determined as a smart card customer receiving the post-issued ICC stored information.

Accordingly, the billing data generation unit 195 determines a billing target for billing the post-issuance of the ICC stored information, for example, from the post-issuance agency 130 and the smart card customer based on the billing policy.

If the post-issuance organization 130 is determined to be charged (325), the billing data generator 195 generates charging data for the post-issuance organization 130 based on the post-issuance organization 130 information. (330).

On the other hand, if the smart card customer is determined to be charged (335), the charging data generation unit 195 generates charging data for the smart card customer based on the member information of the smart card customer (340).

When the billing data generator 195 generates billing data for a specific billing target as described above, the billing data generated as described above is stored and / or accumulated in the billing data D / B 196 (345).

If the billing condition for the billing data for the specific billing object is satisfied in the billing data D / B 196 as described above (350), the billing data generator 195 is based on the billing policy based on the ICC. Extract and / or generate an actual payment amount by charge processing for the post-issuance of stored information (355), and based on the payment amount extracted and / or generated as described above, the payment amount and billing data for a specific billing subject; The payment information (eg, the payment item for each billing data, the payment amount, and the payment invoice which specifies the total payment amount) is generated and stored in the payment information D / B 197 based on the data.

As described above, the payment information stored in the payment information D / B 197 is billed to the corresponding billing target through a known billing process.

On the other hand, if the billing condition for the billing data for the specific billing target is not satisfied (365), or if the billing is completed by satisfying the billing condition, the billing data generator 195 of the billing server 190 is the ICC. A charge processing completion message for the stored information post-issuance is generated and transmitted to the post-issuance approval processing unit 160 provided in the post-issuance approval server 155 (370).

Referring to the flowchart of FIG. 2, the post-issuance approval processing unit 160 that has received the billing processing completion message from the billing data generation unit 195 as described above uses the corresponding ICC through the post-issuance authentication code based on the billing processing completion message. Approves the post-issuance process of post-issuing the stored information to the smart card of the customer, and the post-issuance processing unit 140 provided in the post-issuance server 135 is provided in the card terminal device 100 based on the post-issuance authentication code. The post-issuance program 110 post-issuance at least one or more ICC storage information to the smart card of the customer.

According to the present invention, in the process of post-issuing ICC stored information (application) with a smart card equipped with an integrated circuit chip (ICC), a charging system and a charging method for post-issuance of the ICC stored information are presented. By doing so, the card issuer can use the post-issuance service itself as an independent source of income by charging the post-issuance of ICC stored information, and the post-issuance charge for the stored ICC information with the Smart Card Management System (SCMS). In the case of interworking, there is an advantage that the activation of the SCMS can be a main source of income of the SCMS.

In addition, if the charging target for the post-issuance of the ICC stored information is a post-issuance agency, it is possible to prevent the post-issuance organization from becoming difficult and to expand a new business model (eg, post-issuance auction) through post-issuance charging. In the case where the charging target for the post-issuance of the ICC stored information is the card user, the post-issuance of only the ICC stored information necessary for each card user (for example, a Coupon Book) is selectively post-issued to minimize waste of ICC memory resources. In addition, it is possible to extend a new business model (eg, post-issuance reverse auction) through post-issuance charging.

From the point of view of the post-issuance organization, it is possible that the development of new ICC stored information and / or smart card services will soon be extended to the content provision service for card users, and in the case of post-issuance charges, the infrastructure provided by the card issuer will be used. This has the advantage that no additional cost is consumed.

Claims (2)

In the integrated circuit chip (ICC) storage information post issuance system, Means for receiving authentication information stored in an integrated circuit chip (ICC) from a post-issuance request terminal; Means for generating a post-issuance approval code for the integrated circuit chip (ICC) stored information based on authentication information stored in the integrated circuit chip (ICC); Means for transmitting the generated post-issuance approval code to the post-issuance request terminal; When the post-issuance approval code for the post-issuance approval is received from the server processing the post-issuance of the integrated circuit chip (ICC) storage information, the post-issuance approval code transmitted to the post-issuance request terminal is compared with the received post-issuance approval code. Means for authenticating the validity of the post-issuance approval code by using the ICC storage information post-issuance approval processing system. The method of claim 1, wherein the integrated circuit chip (ICC), ICC storage information post-issuance approval processing system, characterized in that mounted on or detached from the mobile phone.

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