KR20080093012A - System for managing ic card - Google Patents

Abstract

A system for managing an IC card is provided to issue an IC card including a vehicle number or any other card number related to the vehicle, thereby making the allocation of the card number or management procedure of the card simple and convenient. A system for managing an IC card includes an IC card having predetermined card information and vehicle information, and a terminal which receives or reads the information from the IC card, generates messages for payment approval according to the received or read information to send the same to an upper server(100) through the communication network, and outputs the received or read vehicle information on a predetermined screen in case of payment.

Description

IC card operating system {System for Managing IC Card}

1 is a diagram illustrating a card issuing system for issuing a key ring attached card including vehicle information according to an embodiment of the present invention.

2 is a view showing a key ring attached card number structure including a vehicle number according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a functional configuration of an IC chip provided in a key ring attachment card including vehicle information according to an exemplary embodiment of the present invention.

FIG. 4 is a diagram illustrating a functional configuration of an IC chip included in a key ring attachment card including vehicle information according to another exemplary embodiment of the present invention.

FIG. 5 is a diagram illustrating an IC chip functional configuration provided in a key ring attachment card including vehicle information in a first card according to an exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a functional configuration of an IC chip provided in a key ring attachment card including vehicle information in a first card according to another exemplary embodiment of the present invention.

7 is a view showing the key ring-attached card according to the embodiment of the present invention.

8 is a diagram illustrating a card issuing process for issuing a key ring attachment card including vehicle information according to an embodiment of the present invention.

9 is a diagram illustrating a process of charging a second card in a first card according to an embodiment of the present invention.

10 is a diagram illustrating a process of charging a second card in a first card according to another embodiment of the present invention.

11 is a diagram illustrating a functional configuration of a payment terminal according to an embodiment of the present invention.

<Description of main parts of drawing>

100: card issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information generation unit

130: card issuing unit 135: storage medium

140: card issuing terminal

The present invention receives or reads the card information and the vehicle information from the IC card at the time of payment and the IC card having predetermined card information and the vehicle information, and generates the full payment approval request message using the received or read card information. The present invention relates to an IC card operating system including a terminal for transmitting to a server on a communication network and outputting the received or read vehicle information to a predetermined screen.

As personal preferences have been applied to the financial sector, card media that have been manufactured and issued to be stored in wallets according to the limited specifications such as ID-1 and ID-001, mainly for bearer prepaid cards (or bearer transportation cards), are in the form of mobile phone rings. Various modifications are being made and issued.

The above modification of the card media is provided mainly for the bearer prepaid card (or the bearer transportation card), because it is the bearer, so that the card production is performed according to the intention of the card issuer (or the card making organization) before the card production is issued. It may be preceded, and management of the card number once assigned is not particularly necessary, and a customer who uses the anonymous prepaid card (or an anonymous transportation card) (eg, a main customer using public transportation) may actively accept the deformation of the card medium. This is because it includes teens in their early and mid 20s.

On the other hand, in case of card media such as named prepaid card, credit card, debit card, debit card, cash card, etc., the card issuance request must be preceded by the card making institution, card issuing institution, financial institution (e.g., card-linked account). Bearer prepaid cards (or bearer transportation cards) because the interests of banks, banks, etc.) and card brand companies are intricately intertwined. Unlike the above), the card medium may not be easily deformed.

Accordingly, in order to modify the card medium of the named prepaid card, credit card, debit card, debit card, and cash card, the process of assigning and managing the card number (eg, the serial number of the card number) is performed by the anonymous prepaid card (or Such as an anonymous transportation card), and a customer who mainly uses the prepaid prepaid card, credit card, check card, debit card, and cash card should be able to actively accept the deformation of the card medium.

On the other hand, the customers who mainly use the named prepaid card, credit card, debit card, debit card, etc. include households in their late twenties to thirty or more, and the generation owns or drives the vehicle owner. Overlaps with

A characteristic of the vehicle owner generation is that the electronic payment using the card medium includes the electronic payment for oiling and repair associated with the maintenance of the vehicle.

In addition, a vehicle operated by the vehicle owner is pre-assigned with a unique vehicle number managed by a national agency and not duplicated.

An object of the present invention for solving the problem is to receive or read the card information and the vehicle information from the IC card at the time of payment and the IC card having predetermined card information and vehicle information, and the received or read card information The present invention provides an IC card operating system including a terminal for generating a payment approval request text using a full text message and transmitting the same to a server on a communication network, and outputting the received or read vehicle information to a predetermined screen.

The IC card operating system according to the present invention receives or reads the card information and the vehicle information from the IC card at the time of the IC card having predetermined card information and the vehicle information, and uses the received or read card information. The payment approval request message is generated and transmitted to a server on a communication network, and the received or read vehicle information is characterized in that it comprises a terminal for outputting on a predetermined screen.

According to the present invention, the IC card is characterized in that the card body is connected to a predetermined ring.

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 made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a card issuing system for issuing a key ring attached card including vehicle information according to an embodiment of the present invention.

In more detail, FIG. 1 shows that when a predetermined customer provides card issuing application information for issuing a key ring-attached card including vehicle information according to the present invention to a card issuing institution through a predetermined card issuing interface, the card issuing issuance. System configuration for issuing a predetermined key ring attached card to the customer based on the card issuance application information provided by the institution, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. And / or may be modified to infer various implementation methods for the configuration of the card issuance system for issuing a key ring attachment card including vehicle information, but the present invention includes all the implementation methods inferred, It is not limited only to the implementation method shown in FIG.

Hereinafter, at least one means for issuing a predetermined key ring attached card to the customer based on the card issuing application information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. The component corresponding to the functional configuration is called "card issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a card issuing system for issuing a key ring-attached card including vehicle information according to the present invention includes an employee using a card issuing staff equipped with at least one financial institution. And a client terminal including at least one of a wired terminal and / or a wireless terminal used by the customer when the card issuing system supports a non-face-to-face card issuing application. The employee terminal and / or the client terminal is connected to the card issuing server 100 provided on the card issuing institution through a predetermined network means is connected to the communication channel.

According to one embodiment of the present invention, the customer visits the financial institution for issuing a key ring-attached card including the vehicle information according to the present invention and through a window provided at the financial institution (or a card issuer). Issuance of a predetermined card issuance application for issuing a key ring attached card including the vehicle information (e.g., at least one information item for issuing a key ring attached card including the vehicle information is provided) (Or the card issuing staff visits the customer and asks the customer to fill out a predetermined card issuance application for issuing a key-ring attached card including the vehicle information). When the card issuance application is submitted to the card issuing staff, the card issuing staff is assigned to a predetermined staff. The card issuing server 100 provided on the card issuing institution through the network means to input (or select) the information filled in the card issuance application through the employee terminal through the network means; It is desirable to send to.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the financial institution, the card issuing server 100 connected to the employee terminal is provided on the predetermined financial system It is preferable to include a ledger server, wherein the network means for connecting the employee terminal and the card issuing server 100 is a financial network (eg, our network) connecting the communication channel between the employee terminal and the card issuing server 100 It is preferable to comprise).

In the card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 100 is viewed by the customer. It performs a function of the card issuing interface for registering the card issuing application information for issuing a key ring attached card including the vehicle information according to the invention.

According to another embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. Issuing a key ring attached card including vehicle information according to the present invention through at least one or more client terminals connected to the card issuing server 100 and through at least one user interface provided by the card issuing server 100. When the card issuance request information for (or select), the client terminal is preferably transmitted to the card issuing server 100 provided on the card issuing organization through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the card issuing server 100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the card issuing system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the card issuing server 100 and And / or the wireless network performs a function of a card issuing interface for registering the card issuing application information for the customer to issue a key ring-attached card including the vehicle information according to the present invention.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 140, in addition to the employee terminal and / or client terminal, a predetermined financial network It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, A terminal (and / or service) further comprising a predetermined call terminal (not shown) connected to the same wireless telephone network, and / or provided in at least one or more institutions affiliated with the financial institution. ) (Which it may further include a not illustrated), to which the present invention is not limited.

In the case of supporting a non-face-to-face card issuance application as described above, when the card issuing terminal 140 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device ( Not shown) and the card issuing server 100 is a financial network that connects the function of the card issuing interface for registering the card issuing application information for the issuance of the key ring attached card containing the vehicle information according to the present invention; And / or when the card issuing terminal 140 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the card issuing server 100. The wired telephone network and / or wireless telephone network is a card issuing interlink for the customer to register the card issuing application information for issuing a key ring attached card including the vehicle information according to the present invention. If the terminal (and / or server) (not shown) to perform the function of the face, and / or equipped with an institution associated with the financial institution that is the card issuing terminal 140 (not shown), the terminal (and / or server) (Not shown) and the network connecting the terminal (and / or server) (not shown) and the card issuing server 100 is for the customer to issue a key ring attached card containing vehicle information according to the present invention. Perform a function of the card issuing interface for registering the card issuing application information.

The card issuance application information for issuing a key ring attached card including the vehicle information may include at least one of customer information of the card issuing application customer and vehicle information owned or driven by the customer. do.

Here, the customer information is personal information (for example, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the card issuing application customer, or in the case of a corporate customer, company name, business registration number (corporate registration number) , Address, telephone number, etc.), member information of the customer (eg, customer ID information and password), and driver license information (eg, driver's license number) of the customer. If the key ring attached card is issued in a bearer name, the customer information may be omitted, and the present invention is not limited thereto.

In addition, the vehicle information includes a vehicle number of the vehicle owned or driven by the customer (for example, a local vehicle number such as "Seoul 10 is 1234", or a national vehicle number such as "10 is 1234"). According to the intention of the person skilled in the art, at least one or more vehicle model information, color information, year information, etc. of the vehicle, or when the vehicle owner and the driver is different, it is preferable to further comprise the owner information of the vehicle.

The storage medium 135 provided on the card issuing agency according to the present invention after issuing a predetermined key ring attached card to the customer based on the card issuing application information provided from the card issuing terminal 140 And storing the customer information, the card information, and the vehicle information included in the card.

According to an embodiment of the present invention, the storage medium 135 is preferably provided in a DBMS on a predetermined financial system provided on the card issuing institution (or associated with the card issuing institution). The storage medium 135 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 135 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 135 is a server for performing a predetermined information processing function using the customer information, card information and vehicle information included in the card on the card issuing agency ( Or a predetermined DBMS interworking with the device). At this time, the location where the storage medium 135 is provided may be variously performed according to the intention of a person skilled in the art, and the present invention is not limited thereto.

The card issuing server 100 provided on the card issuing engine according to the present invention is a generic term for the card issuing organization side components connected with the card issuing terminal 140 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the method of the present invention, the card issuing server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined card issuing interface to the card issuing terminal 140 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 140 is an employee terminal connected to a predetermined financial network, the interface unit 105 is connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 140 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 ) Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 100, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 140 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 105 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 100, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 1, the card issuing server 100 interworks with the interface unit 105 when a predetermined card issuing terminal 140 is connected to the card issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 140 to the card issuing terminal 140. 110, an information receiving unit 115 for receiving predetermined card issuing application information transmitted from the card issuing terminal 140 through the user interface (or selected) in association with the interface unit 105; An information generation unit 125 for generating card information including the vehicle information in response to a key ring attached card to be issued to the customer based on the received card issuing application information; A card issuing unit 130 for issuing a predetermined key ring attachment card including the card information through a de-issuing device, customer information and card information corresponding to the key ring attachment card issued to the customer, and the card. And an information storage unit 120 for linking and processing the vehicle information included in the storage medium 135.

The interface providing unit 110 corresponds to a functional configuration provided in the card issuing terminal 140 when a predetermined card issuing terminal 140 is connected to the card issuing server 100 through the interface unit 105. Generate (or select) the card issuing application information and generate a predetermined user interface which can be transmitted to the card issuing server 100 via the network means, and / or is extracted from a predetermined database (not shown). And provide the generated (or extracted) user interface to the card issuing terminal 140 through the network means in association with the interface unit 105.

Thereafter, the card issuing terminal 140 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server information is input (or selected) through the network means. Send to 100.

According to an embodiment of the present invention, when the card issuing terminal 140 is an employee terminal connected to a predetermined financial network, the interface provider 110 may provide a card issuance application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 140 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface provider 110 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 105. It is preferable to provide to the terminal.

According to another embodiment of the present invention, when the card issuing terminal 140 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined card issuing application information from the card issuing terminal 140 through the user interface and transmits the same through the network means. And receiving the card issuing application information, and the received card issuing application information is provided to the information generating unit 125.

According to the method of the present invention, the card issuing application information is characterized in that it comprises at least one or more customer information of the card issuing application customer, and the vehicle information owned or driven by the customer.

Here, the customer information is personal information (for example, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the card issuing application customer, or a corporate customer, corporate name, business registration number (corporate registration number) ), Address, telephone number, etc.), member information of the customer (eg, customer ID information and password), and driver license information (eg, driver's license number) of the customer. And, if the key ring attached card is issued in a bearer, the customer information can be omitted, whereby the present invention is not limited.

In addition, the vehicle information includes a vehicle number of the vehicle owned or driven by the customer (for example, a local vehicle number such as "Seoul 10 is 1234", or a national vehicle number such as "10 is 1234"). According to the intention of the person skilled in the art, at least one or more vehicle model information, color information, year information, etc. of the vehicle, or when the vehicle owner and the driver is different, it is preferable to further comprise the owner information of the vehicle.

The information generating unit 125 may generate card information including the vehicle information based on the card issuing application information received through the information receiving unit 115.

Here, the card information including the vehicle information includes a card issuer number, a card type number, a serial number, a 16-digit card number including a check digit, a card expiration date (can be omitted depending on the card type), and the cardholder's English name. Characterized in that it comprises a, wherein the vehicle information is preferably included in the card information is encoded or included in the card number, or in conjunction with the card number.

According to an exemplary embodiment of the present invention, the information generating unit 125 preferably generates predetermined card information including the encoded vehicle information included in the card issuing application information. It demonstrates as shown in FIG.

Alternatively, the information generating unit 125 may generate the card number according to a conventional method, and generate card information so that the vehicle number is linked to the card number, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the information generating unit 125 may generate first card information including the vehicle information and second card information that is charged from the first card and used for payment. In this case, it is preferable that the key ring attachable card further includes a function of authenticating the second card in the first card to charge the second card through the first card.

In this case, the vehicle information may be included in the first card information or in the second card information, and thus the present invention is not limited thereto.

In addition, the information generation unit 125 further restricts merchants that can use the key chain attachment type card (for example, payment can be made only at a gas station or limited to be available only at a designated car center). It may be generated or include, or may further include a one-time payment limit amount information or a daily payment limit amount information for the key ring attached card, thereby not limited to the present invention.

When the card information including the vehicle information to be provided in the key ring attached card is generated by the information generating unit 125, the card issuing unit 130 includes the vehicle information through a predetermined card issuing device. A key ring attachable card including card information (or card storage information including card information including the vehicle information in the key ring attachable card) is stored in an IC chip; The loopable card is provided (or shipped) to the customer.

Here, the key ring-attached card is characterized in that it is provided with a hole (Hole) for hanging on a predetermined key ring, if the key ring-attached card includes a contact interface, the key ring attached type The body of the card satisfies the specifications of ID-1 to ID-001, but if the key ring-attached card includes a contactless interface, the body of the key ring-attached card may be variously modified, such as a coin shape or a rod shape. Can be.

According to an embodiment of the present invention, the card issuing device includes card information including the card information including the vehicle information in a memory provided in a predetermined integrated circuit (IC) chip included in the key ring attached card. And the information generating unit 125 generates card information including the vehicle information in a file structure operable through a COS (Chip Operating System) provided in the IC chip. The card issuing unit 130 attaches a predetermined key ring to be issued to the customer by recording the card storage information including the card information including the vehicle information in the memory of the IC chip through the card issuing device. Issue a card.

The key ring attachable card manufactured as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure.

Thereafter, the information storage unit 120 is based on the card issuance request information received from the customer through the information receiving unit 115 card information including the customer information and the vehicle information and vehicle information contained in the card It is characterized in that for storing in the storage medium 135 by the associated process.

2 is a view showing a key ring attached card number structure including a vehicle number according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates that when the 16-digit card number included in the card information included in the key ring attachment card includes a predetermined vehicle number, the vehicle number is encoded and included in the 16-digit card number. As a method, one of ordinary skill in the art to which the present invention pertains, various implementation methods (e.g., for a key ring attachable card number structure including the vehicle number by referring to and / or modifying the drawing 2). , Various encoding methods for including the vehicle number in the card number), but the present invention includes all the inferred implementation methods, and the technical features thereof are only shown in the implementation method shown in FIG. It is not limited.

In addition, a person having ordinary knowledge in the technical field to which the present invention belongs, does not include the vehicle number in the card number, the IC number provided on the key ring attached card by linking the vehicle number with the card number. It will be possible to infer an implementation method for storing in a memory, and the present invention is characterized by including all the implementation methods inferred.

Vehicles currently driving on roads are equipped with a license plate that includes either the vehicle number or the vehicle number of the national vehicle number. For new vehicles, only the national vehicle number is attached so that the local vehicle number will gradually disappear. It is expected. However, at the time of carrying out the present invention, both the vehicle with the local license plate and the vehicle with the national license plate on the road will travel, so that FIG. 2 shows an encoding scheme that covers all the local / national vehicle numbers. To illustrate and explain.

In general (although some exceptions exist), the left front six digits of the 16-digit card number are fixed by the card issuer and card brand company. The first four digits of the 16-digit card number (although there are some exceptions) are the card issuing organization number, and the next two digits are the numbers corresponding to the card types issued by the card issuing institution, which correspond to the card types. The number is preferably assigned a new number for the keyring card.

Thereafter, the next 10 digits are the card serial number, the last number of which is a check digit, so that the first 9 digits correspond to the actual card serial number, and the vehicle number is encoded in the 9 digit serial number. do.

Currently, a local vehicle number attached to a vehicle traveling on a road includes an area name (for example, "Seoul"), a model number (for example, 11 to 69 for a passenger car), and a use symbol (for example, for a general vehicle). ~ "," Geo ~ Mer "," Go ~ Mo "," Goo ~ Moo ", etc.) and a four-digit serial number, and the national vehicle number is omitted from the region name of the vehicle number.

In this case, the 16-digit card number uses 5-bit to 4-bit digits according to the Track II convention. In the case of 5-bit digits, the numbers include decimal numbers '0' to '31', and two 5-bit digits are used. Contains a number between '0' and '1023'.

Referring to FIG. 2, the area name of the vehicle number is encoded in one digit and included in the card number, the vehicle model number is encoded in two digits and included in the card number, and the use symbol is two digits. Is encoded into the card number, and the serial number is encoded into four digits and included in the card number.

At present, the region included in the local vehicle number includes 12 regions (eg, "Seoul", "Incheon", "Gwangju", "Busan", "Daegu", "Ulsan", "Daejeon", "Gyeonggi", " Gangwon "," Chungnam "," Gyeongnam "," Gyeongbuk "," Jeonnam "," Jeonbuk "," Jeju ", etc.), the national vehicle number through a single digit is a digit value corresponding to the local name Is encoded as one digit by encoding a value corresponding to the local name of the local vehicle number with a predetermined number (for example, "Seoul" = '1'). In this case, the one digit may cover 31 areas in total, so as to sufficiently accommodate the area name.

The vehicle number of the vehicle number is composed of two numbers, and by assigning two digits corresponding to the vehicle number on the card number, the vehicle number is encoded so as to be accommodated in the two digits.

Among the vehicle numbers, the usage symbol uses Korean characters consisting of initial and neutral, and allocates two digits corresponding to the usage symbol on the card number, and encodes each usage symbol to match a predetermined number. For example, the use symbol "A" may be assigned to the number '1' represented by two digits, in which case the use symbol may be accommodated up to 1024.

The serial number of the vehicle number is composed of four numbers. By assigning four digits corresponding to the serial number on the card number, the serial number is encoded so as to be accommodated in two digits.

When the vehicle number is encoded and included in the card number as described above, since the vehicle number is not duplicated, the card number is not duplicated, and a unique card number can be assigned to every vehicle that runs on a domestic road. .

3 is a diagram showing the functional configuration of the IC chip 300 provided in the key ring attachment card including vehicle information according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates an IC chip 300 having a memory for storing card information including the vehicle information when the key ring attachment card issued through the card issuing system shown in FIG. 1 is an IC card. As an IC card function configuration comprising a), specifically, as shown in Figure 2 in the IC chip 300 function configuration having a memory for storing the card information included in the card number by encoding the vehicle number It is about.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 3 to infer various implementation methods for the key ring attachment card function configuration including the vehicle information. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3, the IC chip 300 included in the key ring attachment card includes at least one input / output interface 305 for inputting and outputting data, and a memory unit for storing predetermined card information and card application code ( 315) and a processor unit 310 for executing the application.

For the IC chip 300 of the key ring type card, referring to the ISO / IEC 7816 standard, the power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), and programming power supply (VPP) And / or an input / output interface 305 for communicating (eg exchanging commands or data) with a payment terminal in a contact manner through a contact point such as an input / output (I / O) or the like. Referring to the 14443 standard, an input / output interface 305 which communicates with a payment terminal (for example, exchanging commands or data) through two antenna connection contact points (not shown) is provided.

The processor unit 310 may include at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, and / or the like. And executes the card application code stored in 315.

The memory unit 315 may include a nonvolatile memory including at least one of a read only memory (ROM), an electrically erasable and programmable read only memory (EPEPROM), a flash memory (FM), and a random access memory (RAM). And at least one volatile memory (or an execution memory), such as a memory, and stores card information and card application code operating based on the card information.

Particularly, some memory (eg, ROM) of the memory unit 315 stores program codes corresponding to a chip operating system (COS) that manages and operates a key ring-type card internal resource. When a predetermined power is supplied from the payment terminal through the power supply (VCC) contact point of the input / output interface 305, the COS stored in the memory unit 315 is loaded into a predetermined execution memory to operate the IC chip 300 overall. And exchange information or data between the IC chip 300 and a payment terminal through an application protocol data unit (APDU) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point of the clock signal CLK. To control.

Referring to FIG. 3, the memory unit 315 of the IC chip 300 included in the key ring attachment card stores predetermined card storage information 320 corresponding to the key ring attachment card. The card storage information 320 includes a data storage unit 330 corresponding to the card information and a card processing unit 325 corresponding to the card application code.

For example, when the key ring attachment card is a credit card, the card storage information 320 stored in the memory unit 315 on the IC chip 300 may include a data storage unit 330 for storing the credit card information. Preferably, the credit card storage information 320 including the card processing unit 325 corresponding to the credit card application code is stored.

Alternatively, when the key ring attachment card is a check card, the card storage information 320 stored in the memory unit 315 on the IC chip 300 may include a data storage unit 330 for storing the check card information. Preferably, the check card storage information 320 including the card processing unit 325 corresponding to the check card application code is stored.

Alternatively, when the key ring attachment card is a debit card, the card storage information 320 stored in the memory unit 315 on the IC chip 300 may include a data storage unit 330 for storing the debit card information. Preferably, the debit card storage information 320 including the card processing unit 325 corresponding to the debit card application code is stored.

Alternatively, when the key ring attachment card is a cash card, the card storage information 320 stored in the memory unit 315 on the IC chip 300 may include a data storage unit 330 for storing the cash card information. Preferably, the cash card storage information 320 including the card processing unit 325 corresponding to the cash card application code is stored.

Alternatively, when the key ring attachment card is a prepaid card, the card storage information 320 stored in the memory unit 315 on the IC chip 300 is a data storage unit 330 for storing the prepaid card information. And prepaid card storage information 320 including a card processing unit 325 corresponding to the prepaid card application code is stored.

According to the exemplary embodiment of the present invention, the memory unit 315 of the IC chip 300 includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 315 may include a CSN (Chip Serial Number). And a protection area for storing secret information such as a), a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The information 320 is preferably stored in an area excluding the protection area and the COS control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standards, the memory unit 315 may include one master file (MF) corresponding to a root file, and a lower subordinate to the master file. An ATR (Aswer To Reset) including function information on at least one stored information, at least one dedicated file corresponding to each ICC stored information, and a dedicated file (DF) corresponding to each ICC stored information, and disposed below the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the smart card service, the card storage information 320 for the present invention also includes such a file structure Is done.

According to the exemplary embodiment of the present invention, the card storage information 320 is disposed below the master file and includes a dedicated file including unique identification information or characteristic information about the card storage information 320, and below the dedicated file. And an element file for storing file control information (FCI) and at least one element file corresponding to the card information.

Here, the element file for storing the file control information is an element file for storing the data byte corresponding to the response to the SELECT FILE command transmitted by the terminal program provided to the payment terminal to the key ring attached card, ISO / IEC An FCP template that conveys the Basic Encoding Rules-Tag, Length, Value (BER-TLV) data object File Control Parameter (FCP) defined in TABLE 2 of 7816-4, and / or defined in TABLE 2 of ISO / IEC 7816-4. The BER-TLV data object may include an FMD template for delivering File Management Data (FMD) and / or an FCI template for delivering FCP and FMD. The template may be retrieved according to a selection of a SELECT FILE command. Generally, when an FCP or FMD selection is made, a corresponding template is mandatory. When an FCI selection is made, the use of an FCI template is optional.

According to a preferred embodiment of the present invention, the method of selecting the card storage information 320 from a plurality of stored information provided in the key ring attached card, a selection method by a file identifier, a selection method by a path, And a selection method using an EF identifier, and the selection method using a file identifier is a method of using a 2-byte identifier assigned to each file, and the card storage information through an identifier assigned to a dedicated file of the card storage information 320. (320), the selection method by the path is to select the card storage information 320 using the "3FFF" identifier, the selection method by the EF identifier is at '0' assigned to each element file Card storage information 320 is selected through a 5-bit identifier between '30'. In general, when the selection method by a file identifier and the selection method by a path are used, the card storage information 320 may be accessed through a SELECT FILE command. As another embodiment of the present invention, the selection method by a file identifier may be used. If not used, the dedicated file of the card storage information 320 may be omitted.

Referring to FIG. 3, the data storage unit 330 included in the card storage information 320 stored on the memory unit 315 of the IC chip 300 included in the key ring attachment card is stored. As shown in FIG. 2, the card information includes a card number including an encoding of a vehicle number, a card validity period, and a card owner's English name, wherein the card number, card validity period, and card are included. The file structure for the owner's English name should follow the Financial IC Card Standard.

According to the method of the present invention, the card validity period may be omitted (for example, the expiration date in the case of a debit card) according to the type of the key ring attached card, and the key ring attached card is a bearer card. The cardholder English name may also be omitted.

According to the embodiment of the present invention, when the card information is requested from the payment terminal provided at a predetermined merchant, the card processing unit 325 associated with the data storage unit 330 is the data storage unit 330. Read card information including at least one of a card number, a card expiration date, and cardholder information including an encoding of the vehicle number, and provide the card information to the payment terminal according to the APDU protocol, wherein the payment terminal provides the card information. The payment terminal reads a predetermined payment amount based on the payment information, and in this case, the payment terminal reads and outputs the vehicle number included in the card information, thereby allowing the payment terminal operator to obtain a vehicle number corresponding to the key ring attachment card. It is preferable to process so that it can be confirmed.

In addition, the card information stored in the data storage unit 330 provided in the card storage information 320 stored on the memory unit 315 of the IC chip 300 provided in the key ring attached card, It is preferable to further include merchant-limited information for limiting the merchants who can use the key ring attachment card (for example, payment is possible only at the gas station, or limited to be available only at the designated car center).

According to the exemplary embodiment of the present invention, when the affiliate store-limited information is stored in the data storage unit 330, the card processing unit 325 associated with the data storage unit 330 may be used in a payment terminal provided at a predetermined affiliate store. In the case of selecting the card storage information 320, in response to the selection of the card storage information 320, the affiliated store identification code (for example, the affiliated store may identify whether the affiliated store can use the key chain attached card). Assigned code), and correspondingly, after receiving the affiliated store identification code through the APDU protocol, it is preferable to check whether the affiliated store can use the key ring attachment card, and if the affiliated store identification As a result of the code checking, if the affiliate store is an affiliate store in which the key ring attachment card cannot be used, the card processing unit 325 receives an image. Through APDU protocol and responds by generating a predetermined error code.

According to another exemplary embodiment of the present invention, when the affiliate store specific information is stored in the data storage unit 330, the card processing unit 325 associated with the data storage unit 330 may be used in a payment terminal provided at a predetermined affiliate store. In the case of selecting the card storage information 320, by providing the affiliated store limited information to the payment terminal in response to the selection of the card storage information 320, the merchant in the payment terminal (or card company server) It is possible to make sure that the merchant can use the key ring attached card, whereby the present invention is not limited.

In addition, the card information stored in the data storage unit 330 provided in the card storage information 320 stored on the memory unit 315 of the IC chip 300 provided in the key ring attached card, Preferably, the amount further includes limit amount information including at least one payment limit amount information or one day payment limit amount information, etc. for the key ring attachment card.

According to the exemplary embodiment of the present invention, when the limit amount information is stored in the data storage unit 330, the card processing unit 325 associated with the data storage unit 330 may be used in a payment terminal provided at a predetermined affiliate store. When the card information is requested, the payment amount information is requested in response to the request for the card information, and after receiving the payment amount information through the APDU protocol correspondingly, the payment amount is included in the limit amount. If the payment amount exceeds the limit amount, the card processing unit 325 generates a predetermined error code through the APDU protocol and responds.

According to another exemplary embodiment of the present invention, when the limit amount information is stored in the data storage unit 330, the card processing unit 325 associated with the data storage unit 330 may be used in a payment terminal provided at a predetermined affiliate store. When the card information is requested, by providing the limit amount information to the payment terminal in response to the card information request, the payment terminal (or card company server) checks whether the payment amount exceeds the limit amount. The present invention is not limited thereto.

4 is a diagram showing the functional configuration of the IC chip 400 provided in the key ring attachment card including vehicle information according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates an IC chip 400 having a memory for storing card information including the vehicle information when the key ring attachment card issued through the card issuing system shown in FIG. 1 is an IC card. It relates to an IC card function configuration comprising a), and more specifically, to the IC chip 400 function configuration having a memory for storing the card information associated with the vehicle number associated with the card number.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for the configuration of a key ring attached card function including the vehicle information. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 4, the IC chip 400 included in the key ring attachment card includes at least one input / output interface 405 for inputting and outputting data, and a memory unit for storing predetermined card information and card application code ( 415) and a processor unit 410 for executing the application.

The IC chip 400 of the card with a key ring is referred to as ISO / IEC 7816 standard, and the power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), and programming power supply (VPP) And / or an input / output interface 405 that communicates with the payment terminal (eg, exchange of commands or data) through contact points such as input / output (I / O) and the like, ISO / IEC 14443 Referring to the specification, an input / output interface 405 which communicates with a payment terminal (for example, exchanging commands or data) through two antenna connection contact points (not shown) is provided.

The processor unit 410 may include at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, and / or the like. The card application code stored at 415 is executed.

The memory unit 415 may include a nonvolatile memory including at least one of a read only memory (ROM), an electrically erasable and programmable read only memory (EPEROM), a flash memory (FM), and a random access memory (RAM). And at least one volatile memory (or an execution memory), such as a memory, and stores card information and card application code operating based on the card information.

Particularly, some memory (eg, ROM) of the memory unit 415 stores program codes corresponding to a chip operating system (COS) that manages and operates the internal resources of the key fob card. When a predetermined power is supplied from the payment terminal through a power supply (VCC) contact point of the input / output interface 405, the COS stored in the memory unit 415 is loaded into a predetermined execution memory to operate the IC chip 400. And exchange information or data between the IC chip 400 and a payment terminal through an APDU (Application Protocol Data Unit) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal CLK contact point. To control.

Referring to FIG. 4, predetermined card storage information 420 corresponding to the key ring attachment card is stored in the memory unit 415 of the IC chip 400 included in the key ring attachment card. The card storage information 420 may include a data storage unit 430 corresponding to the card information and a card processing unit 425 corresponding to the card application code.

For example, when the key ring attachment card is a credit card, the card storage information 420 stored in the memory unit 415 on the IC chip 400 may include a data storage unit 430 for storing the credit card information. Preferably, the credit card storage information 420 including the card processing unit 425 corresponding to the credit card application code is stored.

Alternatively, when the key ring attachment card is a check card, the card storage information 420 stored in the memory unit 415 on the IC chip 400 may include a data storage unit 430 for storing the check card information. Preferably, the check card storage information 420 including the card processing unit 425 corresponding to the check card application code is stored.

Alternatively, when the key ring attachment card is a debit card, the card storage information 420 stored in the memory unit 415 on the IC chip 400 may include a data storage unit 430 for storing the debit card information. Preferably, the debit card storage information 420 including the card processing unit 425 corresponding to the debit card application code is stored.

Alternatively, when the key ring attachment card is a cash card, the card storage information 420 stored in the memory unit 415 on the IC chip 400 may include a data storage unit 430 for storing the cash card information. Preferably, the cash card storage information 420 including the card processing unit 425 corresponding to the cash card application code is stored.

Alternatively, when the key ring attachment card is a prepaid card, the card storage information 420 stored in the memory unit 415 on the IC chip 400 may include a data storage unit 430 for storing the prepaid card information. The prepaid card storage information 420 including the card processing unit 425 corresponding to the prepaid card application code is preferably stored.

According to the exemplary embodiment of the present invention, the memory unit 415 of the IC chip 400 includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 415 may include a CSN (Chip Serial Number). And a protection area for storing secret information such as a), a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The information 420 is preferably stored in an area except the protection area and the COS control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standards, the memory unit 415 may include one master file (MF) corresponding to a root file, and a lower subordinate to the master file. At least one Dedicated File (DF) corresponding to each ICC stored information, at least one Dedicated File (DF) corresponding to each ICC stored information, and disposed below the dedicated file; It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the smart card service, the card storage information 420 for the present invention also includes such a file structure It is done by

According to an embodiment of the present invention, the card storage information 420 is disposed below the master file and includes a dedicated file including unique identification information or characteristic information about the card storage information 420, and below the dedicated file. And an element file for storing file control information (FCI) and at least one element file corresponding to the card information.

Here, the element file for storing the file control information is an element file for storing the data byte corresponding to the response to the SELECT FILE command transmitted by the terminal program provided to the payment terminal to the key ring attached card, ISO / IEC An FCP template that conveys the Basic Encoding Rules-Tag, Length, Value (BER-TLV) data object File Control Parameter (FCP) defined in TABLE 2 of 7816-4, and / or defined in TABLE 2 of ISO / IEC 7816-4. The BER-TLV data object may include an FMD template for delivering File Management Data (FMD) and / or an FCI template for delivering FCP and FMD. The template may be retrieved according to a selection of a SELECT FILE command. Generally, when an FCP or FMD selection is made, a corresponding template is mandatory. When an FCI selection is made, the use of an FCI template is optional.

According to a preferred embodiment of the present invention, the method of selecting the card storage information 420 from a plurality of stored information provided in the key ring attached card, a selection method by a file identifier, a selection method by a path, and There is a method of selecting by EF identifier, etc. The method of selecting by file identifier is a method of using a 2-byte identifier assigned to each file, and the card storing information ( 420), and the selection method by the path is to select the card storage information 420 using the "3FFF" identifier, and the selection method by the EF identifier is '0' to '' assigned to each element file. Card storage information 420 is selected through a 5-bit identifier between 30 '. In general, when the selection method by a file identifier and the selection method by a path are used, the card storage information 420 may be accessed through a SELECT FILE command. As another embodiment of the present invention, the selection method by a file identifier is used. If not used, the dedicated file of the card storage information 420 may be omitted.

Referring to FIG. 4, the data storage unit 430 provided in the card storage information 420 stored on the memory unit 415 of the IC chip 400 included in the key ring attachment card is stored. The card information comprises a predetermined card number, the card validity period and the cardholder's English name and the vehicle number associated with the card number, wherein the card number, the card expiration date and the cardholder's English name. It is preferable that the file structure for is in accordance with the financial IC card standard, and the vehicle number may include the coded code value shown in FIG. 2 or may be included as it is. The invention is not limited.

According to an embodiment of the present invention, the card validity period may be omitted (for example, the expiration date in the case of a debit card) according to the type of the key ring attached card, and when the key ring attached card is a bearer card, The cardholder's English name may also be omitted.

According to an exemplary embodiment of the present invention, when the card information is requested from a payment terminal provided at a predetermined affiliated store, the card processing unit 425 associated with the data storage unit 430 is connected to the data storage unit 430. Read card information including at least one of the card number, the card expiration date, and the cardholder's English name and provide it to the payment terminal according to the APDU protocol, and the payment terminal provides a predetermined payment amount based on the card information. Payment processing

According to another exemplary embodiment of the present invention, when the card information is requested from a payment terminal provided at a predetermined affiliate store, the card processing unit 425 associated with the data storage unit 430 stores the card number and the card validity period. And providing the vehicle information to the payment terminal according to the APDU protocol by further including the vehicle number in the card information including at least one cardholder's English name. The payment terminal processes a predetermined payment amount based on the card information. In this case, it is preferable that the payment terminal reads and outputs the vehicle number included in the card information so that the payment terminal operator can check the vehicle number corresponding to the key ring attachment card.

In addition, the card information stored in the data storage unit 430 provided in the card storage information 420 stored on the memory unit 415 of the IC chip 400 provided in the key ring attached card, It is preferable to further include merchant-limited information for limiting the merchants who can use the key ring attachment card (for example, payment is possible only at the gas station, or limited to be available only at the designated car center).

According to the exemplary embodiment of the present invention, when the affiliate store-limited information is stored in the data storage unit 430, the card processing unit 425 associated with the data storage unit 430 may be used in a payment terminal provided at a predetermined affiliate store. When selecting the card storage information 420, in response to the selection of the card storage information 420, so as to identify whether the affiliate store identification code (eg, the affiliate store is an affiliate store that can use the key ring attachment card). Assigned code), and correspondingly, after receiving the affiliated store identification code through the APDU protocol, it is preferable to check whether the affiliated store can use the key ring attachment card, and if the affiliated store identification As a result of checking the code, if the affiliate store is an affiliate store in which the key ring attachment card cannot be used, the card processing unit 425 Through APDU protocol and responds by generating a predetermined error code.

According to another exemplary embodiment of the present invention, when the affiliate store specific information is stored in the data storage unit 430, the card processing unit 425 associated with the data storage unit 430 may be used in a payment terminal provided at a predetermined affiliate store. In the case of selecting the card storage information 420, by providing the affiliated store limited information to the payment terminal in response to the selection of the card storage information 420, the merchant at the payment terminal (or card company server) It is possible to make sure that the merchant can use the key ring attached card, whereby the present invention is not limited.

In addition, the card information stored in the data storage unit 430 provided in the card storage information 420 stored on the memory unit 415 of the IC chip 400 provided in the key ring attached card, Preferably, the amount further includes limit amount information including at least one payment limit amount information or one day payment limit amount information, etc. for the key ring attachment card.

According to the exemplary embodiment of the present invention, when the limit amount information is stored in the data storage unit 430, the card processing unit 425 associated with the data storage unit 430 may be used in a payment terminal provided at a predetermined affiliate store. When the card information is requested, the payment amount information is requested in response to the request for the card information, and after receiving the payment amount information through the APDU protocol correspondingly, the payment amount is included in the limit amount. If the payment amount exceeds the limit amount, the card processing unit 425 generates and responds to a predetermined error code through the APDU protocol.

According to another exemplary embodiment of the present invention, when the limit amount information is stored in the data storage unit 430, the card processing unit 425 associated with the data storage unit 430 may be used in a payment terminal provided at a predetermined affiliate store. When the card information is requested, by providing the limit amount information to the payment terminal in response to the card information request, the payment terminal (or card company server) checks whether the payment amount exceeds the limit amount. The present invention is not limited thereto.

5 is a diagram showing the functional configuration of the IC chip 500 provided in the key ring attachment card including vehicle information in the first card according to one embodiment of the present invention.

In more detail, in FIG. 5, the key ring attachment card issued through the card issuing system shown in FIG. 1 is an IC card, and the first card information and the first card including the vehicle information in the IC card are from the first card. When the second card information for charging and using for payment is provided, the IC card function configuration comprising an IC chip 500 having a memory for storing the first card information and the second card information, Specifically, the function of the IC chip 500 having a memory for storing first card information included in the card number by encoding the vehicle number as shown in FIG. 2 in the first card information.

One of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer various implementation methods for the key ring attachment card function configuration including the vehicle information. The present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

For example, the vehicle information may be included in the second card information according to the intention of the skilled person, and thus the present invention is not limited thereto.

Referring to FIG. 5, the IC chip 500 included in the key ring attachment card includes at least one input / output interface 505 for inputting and outputting data, and a first card encoding the vehicle information and including the card information in a card number. A memory unit 515 for storing information and a first card application code, storing the second card information and the second card application code to be charged from the first card and used for payment; and a processor unit for executing the application ( 510 is provided.

The IC chip 500 of the key ring type card is referred to the ISO / IEC 7816 standard. The power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), and programming power supply (VPP) And / or an input / output interface 505 for communicating (eg exchanging commands or data) with a payment terminal in a contact manner through a contact point such as an input / output (I / O) or the like, ISO / IEC 14443 Referring to the specification, it is characterized in that it comprises an input and output interface 505 that communicates with the payment terminal (for example, command or data exchange, etc.) in a non-contact manner through two antenna connection contact points (not shown).

The processor unit 510 may include at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, and / or the like. And executes the card application code stored in 515.

The memory unit 515 may include a nonvolatile memory including at least one of a read only memory (ROM), an electrically erasable and programmable read only memory (EPEROM), a flash memory (FM), and a random access memory (RAM). And at least one volatile memory (or execution memory) such as a memory, wherein the first card application code and the second card information operate based on the first card information and the first card information. And a second card application code that operates based on the second card information.

Particularly, some memory (eg, ROM) of the memory unit 515 stores program codes corresponding to a chip operating system (COS) that manages and operates the internal resources of the key fob card. When a predetermined power is supplied from a payment terminal through a power supply (VCC) contact point of the input / output interface 505, the COS stored in the memory unit 515 is loaded into a predetermined execution memory to operate the IC chip 500. And exchange information or data between the IC chip 500 and the payment terminal through an application protocol data unit (APDU) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point of the clock signal CLK. To control.

Referring to FIG. 5, the memory unit 515 of the IC chip 500 included in the key ring attachment card stores first card storage information 520 and a second card corresponding to the key ring attachment card. Information 535 is stored, and the first card storage information 520 includes a first data storage unit corresponding to the first card information and a first card processing unit corresponding to the first card application code. The second card storage information 535 may include a first data storage unit corresponding to the second card information and a second card processing unit corresponding to the second card application code. It is characterized by.

In this case, the second card information preferably includes prepaid card information, and the second card application code preferably includes the prepaid card payment program code.

In this case, the memory unit 515 on the IC chip 500 includes prepaid card storage information including a second data storage unit for storing the prepaid card information and a second card processing unit corresponding to the prepaid card application code. Preferably stored.

The first card information may include credit card information, a check card information, a debit card information, a cash card information, and a prepaid corresponding to the second card information for charging a predetermined amount in a prepaid card corresponding to the second card information. It is preferable to include at least one or more of the prepaid card information for charging the card.

For example, when the first card that charges the prepaid card corresponding to the second card information is a credit card, the first card storage information 520 stored in the memory unit 515 on the IC chip 500 is the credit card. It is preferable that credit card storage information including a first data storage unit for storing card information and a first card processing unit corresponding to the credit card application code is stored.

Alternatively, when the first card that charges the prepaid card corresponding to the second card information is a check card, the first card storage information 520 stored in the memory unit 515 on the IC chip 500 is checked. Preferably, the check card storage information including the first data storage unit for storing card information and the first card processing unit corresponding to the check card application code is stored.

Alternatively, when the first card that charges the prepaid card corresponding to the second card information is a debit card, the first card storage information 520 stored in the memory unit 515 on the IC chip 500 is the debit card. Debit card storage information including a first data storage unit for storing card information and a first card processing unit corresponding to the debit card application code is preferably stored.

Alternatively, when the first card that charges the prepaid card corresponding to the second card information is a cash card, the first card storage information 520 stored in the memory unit 515 on the IC chip 500 is the cash card. Preferably, the cash card storage information including a first data storage unit for storing card information and a first card processing unit corresponding to the cash card application code is stored.

Alternatively, when the first card that charges the prepaid card corresponding to the second card information is a prepaid card, the first card storage information 520 stored in the memory unit 515 on the IC chip 500 is the prepaid card. Prepaid card storage information including a first data storage unit for storing card information and a first card processing unit corresponding to the prepaid card application code is preferably stored.

According to the exemplary embodiment of the present invention, the memory unit 515 of the IC chip 500 includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 515 may include a chip serial number. And a protection area for storing secret information such as a), a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The information is preferably stored in an area except the protection area and the COS control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standards, the memory unit 515 may include one master file (MF) corresponding to a root file and a lower subordinate to the master file. An ATR (Aswer To Reset) including function information on at least one stored information, at least one dedicated file corresponding to each ICC stored information, and a dedicated file (DF) corresponding to each ICC stored information, and disposed below the dedicated file. Includes a file structure consisting of an element file (EF) containing the actual information and / or data for the smart card service, the card storage information for the present invention also includes the file structure as described above.

According to the exemplary embodiment of the present invention, the card storage information is disposed below the master file and includes a unique file including unique identification information or characteristic information about the card storage information, and is disposed below the dedicated file and file control information ( It is preferable to include an element file for storing File Control Information (FCI) and at least one element file corresponding to the card information.

Here, the element file for storing the file control information is an element file for storing the data byte corresponding to the response to the SELECT FILE command transmitted by the terminal program provided to the payment terminal to the key ring attached card, ISO / IEC An FCP template that conveys the Basic Encoding Rules-Tag, Length, Value (BER-TLV) data object File Control Parameter (FCP) defined in TABLE 2 of 7816-4, and / or defined in TABLE 2 of ISO / IEC 7816-4. The BER-TLV data object may include an FMD template for delivering File Management Data (FMD) and / or an FCI template for delivering FCP and FMD. The template may be retrieved according to a selection of a SELECT FILE command. Generally, when an FCP or FMD selection is made, a corresponding template is mandatory. When an FCI selection is made, the use of an FCI template is optional.

According to a preferred embodiment of the present invention, the method of selecting the card storage information from a plurality of stored information provided in the key ring attached card, the selection method by the file identifier, the selection method by the path, and the EF identifier There is a selection method by a file identifier, and the selection method by a file identifier is to use a 2-byte identifier assigned to each file to select the card storage information through an identifier assigned to a dedicated file of the card storage information. Selection method is to select the card storage information using the “3FFF” identifier, and selection method by the EF identifier is the card storage information through the 5-bit identifier between '0' and '30' assigned to each element file. To select. In general, when the selection method by a file identifier and the selection method by a path are used, the card storage information can be accessed through a SELECT FILE command. As another embodiment of the present invention, the selection method by a file identifier is not used. If not, the dedicated file of the card storage information may be omitted.

Referring to FIG. 5, the first data storage unit included in the first card storage information 520 stored on the memory unit 515 of the IC chip 500 included in the key ring attachment card is stored in the first data storage unit. As shown in FIG. 2, the first card information includes a card number including an encoding of a vehicle number, a card expiration date, and a card owner's English name. It is recommended that the file structure for the term and English name of the cardholder follow the Financial IC Card Standard.

According to an embodiment of the present invention, the card expiration date may be omitted (eg, an expiration date is omitted in the case of a debit card) according to the first card type, and when the first card is an anonymous card, the cardholder English names may also be omitted.

When the vehicle information (or vehicle number) is provided in the key input means provided in the payment terminal for charging a predetermined amount from the first card to the second card according to an embodiment of the present invention When the payment terminal selects the first card storage information 520 or requests to charge a predetermined amount with a prepaid card corresponding to the second card, the first card associated with the first data storage unit. The processing unit requests the payment terminal to provide the vehicle number corresponding to the key ring attachment card through the APDU protocol as the response.

At this time, the payment terminal operator checks the license plate of the vehicle corresponding to the key ring attached card, inputs the vehicle information through the key input means, the vehicle information is the first card through the APDU protocol It is provided to the processing unit.

Thereafter, the first card processor compares the provided vehicle information with the vehicle number included in the card number, thereby authenticating the validity of charging a predetermined amount from the first card to the second card.

If the validity is authenticated, the first card processing unit performs a procedure of charging a predetermined amount from the first card to the second card by requesting a payment amount, etc., to the payment terminal through the APDU protocol.

On the other hand, if the validity is not authenticated, the first card processing unit does not perform a procedure of charging a predetermined amount from the first card to the second card by responding a validity error code to the payment terminal through an APDU protocol.

According to another exemplary embodiment of the present invention, a function of inputting the vehicle information (or vehicle number) to a key input means provided in a payment terminal for charging a predetermined amount from the first card to the second card is not provided. If not, when the payment terminal selects the first card storage information 520 or requests a predetermined amount to be charged to a prepaid card corresponding to the second card, the payment terminal associated with the first data storage unit may be used. The card processing unit provides the vehicle number included in the card number to the payment terminal through the APDU protocol as the response, and outputs the vehicle number to the payment terminal operator for confirmation.

At this time, the payment terminal operator checks the vehicle number included in the license plate of the vehicle corresponding to the key ring attachment card and the vehicle number provided from the key ring attachment card, and if the vehicle number matches, A command for charging a predetermined amount from one card to the second card is input, and correspondingly, the payment terminal transmits the payment terminal information (or payment terminal operator information or merchant information) through the APDU protocol. Through the first card processing unit through.

Thereafter, the first card processing unit associates the payment terminal information (or payment terminal operator information or affiliated store information) provided from the payment terminal with the first card number (or vehicle number) and stores the memory on the IC chip 500. By storing in the unit 515 for a certain period of time, the charge terminal (or payment terminal operator or affiliated store) is charged to charge the predetermined amount from the first card to the second card, and then the first A procedure of charging a predetermined amount from the card to the second card is performed.

Here, the payment terminal information (or payment terminal operator information or merchant information) stored in the memory unit 515 on the IC chip 500 in association with the first card number (or vehicle number) is the first card. All of them are stored in the form of an element file in the storage information 520, or are stored in association with the first card number (or vehicle number) in a storage area other than the storage area in which the first card storage information 520 is stored. It is possible, and the invention is not limited thereby.

Referring to FIG. 5, the second data storage unit included in the second card storage information 535 stored on the memory unit 515 of the IC chip 500 included in the key ring attachment card is stored in the second data storage unit. The second card information is characterized in that it comprises a card number corresponding to the prepaid card charged through the first card, the card validity period and the card holder English name, wherein the card number, card validity period And the file structure for the English name of the cardholder is preferably in accordance with the Financial IC Card Standard.

According to an embodiment of the present invention, when a payment terminal provided at a predetermined affiliated store requests the second card information from the IC card, the second card processing unit associated with the second data storage unit is the second data storage unit. Read second card information including at least one of the card number, the card expiration date and cardholder information from the card number, and provide the card information to the payment terminal according to the APDU protocol, wherein the payment terminal is predetermined based on the second card information; The payment amount of the payment processing.

According to another exemplary embodiment of the present invention, the vehicle information is encoded and included in the second card information as shown in FIG. 3, or the vehicle information is linked to the card number as shown in FIG. If included, the second card processing unit may further include the vehicle information in the second card information to provide to the payment terminal, in which case the payment terminal is the vehicle number included in the second card information. By reading and outputting, the payment terminal operator can confirm the vehicle number corresponding to the key ring attachment card.

In addition, a second card stored in the second data storage unit provided in the second card storage information 535 stored on the memory unit 515 of the IC chip 500 provided in the key ring attachment card The information preferably further includes merchant-limited information for limiting the merchants that can use the key card attached card (e.g., only the gas station can be settled or used only at a designated car center).

According to the exemplary embodiment of the present invention, when the affiliated store specific information is stored in the second data storage unit, the second card processing unit associated with the second data storage unit is connected to the second card at a payment terminal provided at a predetermined affiliated store. In the case of selecting the storage information 535, in response to the selection of the second card storage information 535, it is possible to identify whether the affiliate store identification code (eg, the affiliate store may use the key ring attachment card). Code), and correspondingly, after receiving the affiliated store identification code through the APDU protocol, it is preferable to check whether the affiliated store can use the key ring attachment card. If the affiliated store cannot use the key ring attachment card, the second card is processed. Responds by generating a predetermined error code through the APDU protocol.

According to another exemplary embodiment of the present invention, when the affiliated store specific information is stored in the second data storage unit, the second card processing unit associated with the second data storage unit is configured to perform the second payment in a payment terminal provided in a predetermined affiliate store. In the case of selecting the card storage information, by providing the affiliated store-limited information to the payment terminal in response to the selection of the second card storage information 535, the merchant stores the key ring at the payment terminal (or card company server). It is possible to check whether the attachable card can be used, and the present invention is not limited thereby.

In addition, a second card stored in the second data storage unit provided in the second card storage information 535 stored on the memory unit 515 of the IC chip 500 provided in the key ring attachment card The information may further include limit amount information including at least one payment limit amount information or one day payment limit amount information for the key-ring card.

According to the exemplary embodiment of the present invention, when the limit amount information is stored in the second data storage unit, the second card processing unit associated with the second data storage unit is configured to execute the second card at a payment terminal provided at a predetermined affiliate store. When the information is requested, the payment amount information is requested in response to the second card information request, and correspondingly, the payment amount information is provided through the APDU protocol, and the payment amount is within the limit amount. Preferably, the second card processing unit generates a predetermined error code through the APDU protocol and responds if the payment amount exceeds the limit amount.

According to another exemplary embodiment of the present invention, when the limit amount information is stored in the second data storage unit, the second card processing unit associated with the second data storage unit may be connected to the second terminal at a payment terminal provided at a predetermined affiliate store. When requesting card information, confirming that the payment amount exceeds the limit amount in the payment terminal (or card company server) by providing the limit amount information to the payment terminal in response to the second card information request. It is possible that the present invention is not limited by this.

6 is a diagram showing the functional configuration of the IC chip 600 provided in the key ring attachment card including vehicle information in the first card according to another embodiment of the present invention.

In more detail, in FIG. 6, the key ring attachment card issued through the card issuing system shown in FIG. 1 is an IC card, and the first card information and the first card including the vehicle information in the IC card are from the first card. When the second card information for charging and using for payment is provided, the IC card function configuration comprising an IC chip 600 having a memory for storing the first card information and the second card information, In more detail, the function of the IC chip 600 having a memory for storing the first card information in which the vehicle number is associated with the first card number is processed.

One of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for the configuration of a key ring attached card function including the vehicle information. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, the vehicle information may be included in the second card information according to the intention of the skilled person, and thus the present invention is not limited thereto.

Referring to FIG. 6, an IC chip 600 included in the key ring attachment card includes at least one input / output interface 605 for inputting and outputting data, and a first card including the vehicle information in association with a card number. A memory unit 615 for storing information and a first card application code, storing the second card information and the second card application code to be charged from the first card and used for payment; and a processor unit for executing the application ( 610 is provided.

The IC chip 600 of the key ring type card is referred to the ISO / IEC 7816 standard. The power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), and programming power supply (VPP) And / or an input / output interface 605 that communicates with the payment terminal (eg, exchange of commands or data) through contact points such as input / output (I / O) and the like, and is ISO / IEC 14443. Referring to the specification, it is characterized in that it comprises an input and output interface 605 that communicates with the payment terminal (for example, command or data exchange, etc.) contactlessly through two antenna connection contact point (not shown).

The processor unit 610 may include at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, and / or the like. The card application code stored in 615 may be executed.

The memory unit 615 may include a nonvolatile memory including at least one of a read only memory (ROM), an electrically erasable and programmable read only memory (EPEPROM), a flash memory (FM), and a random access memory (RAM). And at least one volatile memory (or execution memory) such as a memory, wherein the first card application code and the second card information operate based on the first card information and the first card information. And a second card application code that operates based on the second card information.

Particularly, some memory (eg, ROM) of the memory unit 615 stores program codes corresponding to a chip operating system (COS) that manages and operates the internal resource of the keyring card. When a predetermined power is supplied from the payment terminal through a power supply (VCC) contact point of the input / output interface 605, the COS stored in the memory unit 615 is loaded into a predetermined execution memory to provide overall control of the IC chip 600. Control the operation, and information or data between the IC chip 600 and the payment terminal through an APDU (Application Protocol Data Unit) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal CLK contact point. Control the exchange.

Referring to FIG. 6, the memory unit 615 of the IC chip 600 included in the key ring attachment card stores first card storage information 620 and a second card corresponding to the key ring attachment card. Information 635 is stored, and the first card storage information 620 includes a first data storage unit 630 corresponding to the first card information and a first card application code corresponding to the first card application code. And a card processing unit 625, wherein the second card storage information 635 corresponds to the first data storage unit 630 corresponding to the second card information and the second card application code. It is characterized by comprising a second card processing unit 640.

In this case, the second card information preferably includes prepaid card information, and the second card application code preferably includes the prepaid card payment program code.

In this case, the memory unit 615 on the IC chip 600 includes a second data storage unit 645 for storing the prepaid card information and a second card processing unit 640 corresponding to the prepaid card application code. The prepaid card storage information that is made is preferably stored.

The first card information may include credit card information, a check card information, a debit card information, a cash card information, and a prepaid corresponding to the second card information for charging a predetermined amount in a prepaid card corresponding to the second card information. It is preferable to include at least one or more of the prepaid card information for charging the card.

For example, when the first card charging the prepaid card corresponding to the second card information is a credit card, the first card storage information 620 stored in the memory unit 615 on the IC chip 600 is the credit card. It is preferable that credit card storage information including a first data storage unit 630 for storing card information and a first card processing unit 625 corresponding to the credit card application code are stored.

Alternatively, when the first card that charges the prepaid card corresponding to the second card information is a check card, the first card storage information 620 stored in the memory unit 615 on the IC chip 600 is checked. The check card storage information including the first data storage unit 630 for storing card information and the first card processing unit 625 corresponding to the check card application code is preferably stored.

Alternatively, when the first card that charges the prepaid card corresponding to the second card information is a debit card, the first card storage information 620 stored in the memory unit 615 on the IC chip 600 is the debit card. Debit card storage information including a first data storage unit 630 for storing card information and a first card processing unit 625 corresponding to the debit card application code is preferably stored.

Alternatively, when the first card for charging the prepaid card corresponding to the second card information is a cash card, the first card storage information 620 stored in the memory unit 615 on the IC chip 600 is the cash card. Cash card storage information including a first data storage unit 630 for storing card information and a first card processing unit 625 corresponding to the cash card application code is preferably stored.

* Alternatively, when the first card that charges the prepaid card corresponding to the second card information is a prepaid card, the first card storage information 620 stored in the memory unit 615 on the IC chip 600 is the above. Prepaid card storage information including a first data storage unit 630 for storing prepaid card information and a first card processing unit 625 corresponding to the prepaid card application code is preferably stored.

According to the exemplary embodiment of the present invention, the memory unit 615 of the IC chip 600 includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 615 may include a CSN (Chip Serial Number). And a protection area for storing secret information such as a), a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The information is preferably stored in an area except the protection area and the COS control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit 615 may include one master file (MF) corresponding to a root file, and a lower subordinate to the master file. An ATR (Aswer To Reset) including function information on at least one stored information, at least one dedicated file corresponding to each ICC stored information, and a dedicated file (DF) corresponding to each ICC stored information, and disposed below the dedicated file. Includes a file structure consisting of an element file (EF) containing the actual information and / or data for the smart card service, the card storage information for the present invention also includes the file structure as described above.

According to the exemplary embodiment of the present invention, the card storage information is disposed below the master file and includes a unique file including unique identification information or characteristic information about the card storage information, and is disposed below the dedicated file and file control information ( It is preferable to include an element file for storing File Control Information (FCI) and at least one element file corresponding to the card information.

Here, the element file for storing the file control information is an element file for storing the data byte corresponding to the response to the SELECT FILE command transmitted by the terminal program provided to the payment terminal to the key ring attached card, ISO / IEC An FCP template that conveys the Basic Encoding Rules-Tag, Length, Value (BER-TLV) data object File Control Parameter (FCP) defined in TABLE 2 of 7816-4, and / or defined in TABLE 2 of ISO / IEC 7816-4. The BER-TLV data object may include an FMD template for delivering File Management Data (FMD) and / or an FCI template for delivering FCP and FMD. The template may be retrieved according to a selection of a SELECT FILE command. Generally, when an FCP or FMD selection is made, a corresponding template is mandatory. When an FCI selection is made, the use of an FCI template is optional.

According to a preferred embodiment of the present invention, the method of selecting the card storage information from the plurality of storage information provided in the key ring attached card, the selection method by the file identifier, the selection method by the path, and the EF identifier There is a selection method by a file identifier, and the selection method by a file identifier is to use a 2-byte identifier assigned to each file to select the card storage information through an identifier assigned to a dedicated file of the card storage information. Selection method is to select the card storage information using the “3FFF” identifier, and selection method by the EF identifier is the card storage information through the 5-bit identifier between '0' and '30' assigned to each element file. To select. In general, when the selection method by a file identifier and the selection method by a path are used, the card storage information can be accessed through a SELECT FILE command. As another embodiment of the present invention, the selection method by a file identifier is not used. If not, the dedicated file of the card storage information may be omitted.

Referring to FIG. 6, the first data storage unit 630 included in the first card storage information 620 stored on the memory unit 615 of the IC chip 600 included in the key ring attachment card. The first card information to be stored in) is characterized in that it comprises a predetermined card number, the card validity period, the English name of the cardholder and the vehicle number associated with the card number, wherein the card number, card validity period And the file structure of the cardholder's English name follows the financial IC card standard, and the vehicle number may include the coded code value shown in FIG. 2 or may be included as it is. The present invention is not limited thereby.

According to the method of the present invention, the validity period of the card may be omitted (for example, the expiration date in the case of a debit card) according to the first card type, when the first card is a bearer card, Names may also be omitted.

When the vehicle information (or vehicle number) is provided in the key input means provided in the payment terminal for charging a predetermined amount from the first card to the second card according to an embodiment of the present invention When the payment terminal selects the first card storage information 620 or requests a predetermined amount to be charged to a prepaid card corresponding to the second card, the payment terminal is connected to the first data storage unit 630. The first card processing unit 625 requests the payment terminal to provide the vehicle number corresponding to the key ring attachment card through the APDU protocol as the response.

At this time, the payment terminal operator checks the license plate of the vehicle corresponding to the key ring attached card, inputs the vehicle information through the key input means, the vehicle information is the first card through the APDU protocol It is provided to the processing unit 625.

Thereafter, the first card processing unit 625 authenticates the validity of charging the predetermined amount from the first card to the second card by comparing the provided vehicle information with the vehicle number associated with the card number.

If the validity is authenticated, the first card processing unit 625 performs a procedure of charging a predetermined amount from the first card to the second card by requesting a payment amount, etc., to the payment terminal through an APDU protocol. .

On the other hand, if the validity is not authenticated, the first card processing unit 625 performs a procedure of charging a predetermined amount from the first card to the second card by responding a validity error code to the payment terminal through an APDU protocol. I never do that.

According to another exemplary embodiment of the present invention, a function of inputting the vehicle information (or vehicle number) to a key input means provided in a payment terminal for charging a predetermined amount from the first card to the second card is not provided. If not, when the payment terminal selects the first card storage information 620 or requests a predetermined amount to be charged to a prepaid card corresponding to the second card, the first data storage unit 630 and the first data storage unit 630. The associated first card processing unit 625 provides the vehicle number associated with the card number to the payment terminal through the APDU protocol as the response, and outputs the vehicle number to the payment terminal operator.

At this time, the payment terminal operator checks the vehicle number included in the license plate of the vehicle corresponding to the key ring attachment card and the vehicle number provided from the key ring attachment card, and if the vehicle number matches, A command for charging a predetermined amount from one card to the second card is input, and correspondingly, the payment terminal transmits the payment terminal information (or payment terminal operator information or merchant information) through the APDU protocol. It provides to the first card processing unit 625 through.

Thereafter, the first card processing unit 625 links the payment terminal information (or payment terminal operator information or merchant information) provided from the payment terminal with the first card number (or vehicle number) to the IC chip 600. By storing in the memory unit 615 for a predetermined period of time, after charging the payment terminal (or payment terminal operator or affiliated store) with the responsibility for charging a predetermined amount from the first card to the second card, A procedure of charging a predetermined amount from the first card to the second card is performed.

Here, the payment terminal information (or payment terminal operator information or merchant information) stored in the memory unit 615 on the IC chip 600 in association with the first card number (or vehicle number) is the first card. It is stored in the form of an element file in the storage information 620, or stored in association with the first card number (or vehicle number) in a storage area other than the storage area where the first card storage information 620 is stored. It is possible, and the invention is not limited thereby.

Referring to FIG. 6, the second data storage unit 645 provided in the second card storage information 635 stored on the memory unit 615 of the IC chip 600 included in the key ring attachment card. The second card information to be stored in the card) comprises a card number corresponding to a prepaid card charged through the first card, a card expiration date and a card holder's English name, wherein the card number and card It is recommended that the file structure of the expiration date and the cardholder's English name follow the Financial IC Card Standard.

According to the exemplary embodiment of the present invention, when the payment terminal provided at a predetermined affiliated store requests the second card information to the IC card, the second card processing unit 640 associated with the second data storage unit 645 Read second card information including at least one of the card number, card expiration date and cardholder information from the second data storage unit 645 and provide the card information to the payment terminal according to the APDU protocol. A predetermined payment amount is settled based on the second card information.

According to another exemplary embodiment of the present invention, the vehicle information is encoded and included in the second card information as shown in FIG. 3, or the vehicle information is linked to the card number as shown in FIG. If included, the second card processing unit 640 may further include the vehicle information in the second card information to provide to the payment terminal, in which case the payment terminal is included in the second card information. By reading and outputting the vehicle number, the payment terminal operator can confirm the vehicle number corresponding to the key ring attachment card.

In addition, the second data storage unit 645 stored in the second card storage information 635 stored on the memory unit 615 of the IC chip 600 provided in the key ring attached card is stored. The second card information may further include affiliate store-limited information for limiting the affiliate store that can use the key ring attachment card (for example, payment can be made only at a gas station or only at a designated car center). desirable.

According to the exemplary embodiment of the present disclosure, when the affiliate store limitation information is stored in the second data storage unit 645, the second card processing unit 640 associated with the second data storage unit 645 may be assigned to a predetermined affiliate store. When the second card storage information 635 is selected in the provided payment terminal, the merchant identification code (for example, the merchant attaches the key ring attachment card) in response to the selection of the second card storage information 635. Code assigned to identify whether or not the merchant can use; and correspondingly received the merchant identification code through the APDU protocol, and the merchant is a merchant that can use the key ring attached card It is preferable to check, and if the merchant is a merchant that cannot use the key ring attached card as a result of the merchant identification code check, the second The card processing unit 640 generates and responds to a predetermined error code through the APDU protocol.

According to another exemplary embodiment of the present invention, when the affiliate store limitation information is stored in the second data storage unit 645, the second card processing unit 640 associated with the second data storage unit 645 may be assigned to a predetermined affiliate store. When selecting the second card storage information in the payment terminal provided in the, by providing the merchant limited information to the payment terminal in response to the selection of the second card storage information 635, the payment terminal (or card company) Server), it is possible to make sure that the affiliate store is an affiliate store that can use the key ring attachment card, whereby the present invention is not limited.

In addition, the second data storage unit 645 stored in the second card storage information 635 stored on the memory unit 615 of the IC chip 600 provided in the key ring attached card is stored. The second card information may further include limit amount information including at least one payment limit amount information or 1 day payment limit amount information for the key-ring card.

According to the exemplary embodiment of the present invention, when the limit amount information is stored in the second data storage unit 645, the second card processing unit 640 associated with the second data storage unit 645 may be assigned to a predetermined affiliate store. In the case where the payment terminal requests the second card information, the payment amount information is requested in response to the request for the second card information, and in response thereto, the payment amount information is provided through the APDU protocol. It is preferable to check whether the payment amount is included in the limit amount. If the payment amount exceeds the limit amount, the second card processing unit 640 generates a predetermined error code through the APDU protocol. Answer.

According to another exemplary embodiment of the present invention, when the limit amount information is stored in the second data storage unit 645, the second card processing unit 640 associated with the second data storage unit 645 may be predetermined. When requesting the second card information from a payment terminal provided at an affiliated store, by providing the limit amount information to the payment terminal in response to the second card information request, the payment terminal (or card company server) It is possible to make sure that the payment amount exceeds the above limit amount, and the present invention is not limited thereby.

7 is a view showing a key ring-attached card according to the embodiment of the present invention.

In more detail, FIG. 7 illustrates a case in which the key ring attachment card including the IC chip shown in FIGS. 3 and / or 4 and / or 5 and / or 6 includes a contactless IC card. As shown in FIG. 7, (a) of FIG. 7 illustrates a coin-type key, in which the key ring attachable card includes a predetermined key ring hole 700 in the card body 705 to be attached to a predetermined key ring. Fig. 7 (B) shows the appearance of a card with a stick key ring.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to infer various implementation methods for the key ring-attached card outline, but the present invention is inferred from the above. It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the key ring attachable card corresponding to the contactless IC card includes an IC chip including the functional configuration shown in FIGS. 3 and / or 4 and / or 5 and / or 6; And an antenna coil 710 connected to the input / output interface of the IC chip and a key ring hole 700 provided in the card body 705 to be attached to a predetermined key ring.

Here, it is preferable that the antenna coil 710 is wound a sufficient number of times to interface with a predetermined payment terminal according to the size of the key ring.

8 is a diagram illustrating a card issuing process for issuing a key ring attachment card including vehicle information according to an embodiment of the present invention.

In more detail, in FIG. 8, in the card issuing system shown in FIG. When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc., including the above, the card issuing application information is issued by the card issuing server 100. The process of issuing a predetermined key ring-attachable card based on the present invention, and a person having ordinary knowledge in the art to which the present invention pertains refers to a key including vehicle information by referring to and / or modifying the drawing of FIG. It is possible to infer various implementation methods for issuing the key ring attached card for issuing a ring-attached card, but the present invention is Includes all of the exemplary method of estimation, is not limited to the exemplary method shown in the figure 8.

For example, in FIG. 8, after the key ring attachment card is manufactured and provided (or shipped) to the customer, the card information including the predetermined customer information and vehicle information on the storage medium 135 is stored on the card information and the card. Although it is illustrated and described as storing the included vehicle information, a process of storing the card information including the predetermined customer information and vehicle information and the vehicle information included in the card in the storage medium 135 according to the intention of a person skilled in the art. May be performed before the key ring attachable card is manufactured, or after the key ring attachable card is manufactured, but before being provided (or shipped) to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 8, the card issuing terminal 140 shown in FIG.

Referring to FIG. 8, in order to issue the key ring attachment card for issuing a key ring attachment card including the vehicle information, the customer includes a predetermined card issuance application information through a predetermined card issuance interface. If a card issuance application is made and / or the card issuance system shown in FIG. 1 supports a non-face-to-face card issuance application, the customer inputs predetermined card issuance application information through a predetermined client terminal ( Or), and provides the card issuing application information to the server through a predetermined card issuing interface (800).

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

The card issuing application information provided to the server through the card issuing interface may include at least one of customer information of the card issuing customer and vehicle information owned or driven by the customer. .

Here, the customer information is personal information (for example, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the card issuing application customer, or a corporate customer, corporate name, business registration number (corporate registration number) ), Address, telephone number, etc.), member information of the customer (eg, customer ID information and password), and driver license information (eg, driver's license number) of the customer. And, if the key ring attached card is issued in a bearer, the customer information can be omitted, whereby the present invention is not limited.

In addition, the vehicle information includes a vehicle number of the vehicle owned or driven by the customer (for example, a local vehicle number such as "Seoul 10 is 1234", or a national vehicle number such as "10 is 1234"). According to the intention of the person skilled in the art, at least one or more vehicle model information, color information, year information, etc. of the vehicle, or when the vehicle owner and the driver is different, it is preferable to further comprise the owner information of the vehicle.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information, thereby confirming whether it is possible to issue the key ring attachment card to the customer (805). ).

Here, the card issuance validity check, if the key ring attached card is a credit card, preferably comprising the step of querying the credit rating of the customer based on the customer information, the key ring attached card is checked In the case of a card, a debit card, or a cash card, the check card, the debit card, and the cash card include a process of confirming whether the account holder is matched with the customer information. If is a prepaid card, the card issuance validation process can be omitted, whereby the present invention is not limited.

If the validity for issuing the key ring attached card to the customer is not authenticated through the card issuing application information (810), the server provides card issuing error information to the customer through the card issuing interface. 815, stop issuing the keyring card to the customer.

If the validity to issue the key ring attached card to the customer is authenticated through the card issuing application information (810), the server is attached to the key ring attached card to be issued to the customer based on the card issuing application information. In operation 820, card information including corresponding vehicle information is generated.

Here, the card information including the vehicle information includes a card issuer number, a card type number, a serial number, a 16-digit card number including a check digit, a card expiration date (can be omitted depending on the card type), and the cardholder's English name. Characterized in that it comprises a, wherein the vehicle information is preferably included in the card information is encoded or included in the card number, or in conjunction with the card number.

According to an exemplary embodiment of the present invention, the information generating unit 125 preferably generates predetermined card information including the encoded vehicle information included in the card issuing application information. It demonstrates as shown in FIG.

Alternatively, the information generating unit 125 may generate the card number according to a conventional method, and generate card information so that the vehicle number is linked to the card number, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the information generating unit 125 may generate first card information including the vehicle information and second card information that is charged from the first card and used for payment. In this case, it is preferable that the key ring attachable card further includes a function of authenticating the second card in the first card to charge the second card through the first card.

In this case, the vehicle information may be included in the first card information or in the second card information, and thus the present invention is not limited thereto.

In addition, the information generation unit 125 further restricts merchants that can use the key ring attachment type card (for example, payment can be made only at a gas station, or limited to be available only at a designated car center). It may be generated or include, or may further include a one-time payment limit amount information or a daily payment limit amount information for the key ring attached card, thereby not limited to the present invention.

According to the exemplary embodiment of the present invention, the card information including the generated vehicle information preferably includes a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server prepares a predetermined key ring attachable card having card information including the vehicle information through a predetermined card issuing device and provides (or delivers) the card to the customer (825).

According to an embodiment of the present invention, the card issuing device includes a device for recording card storage information including card information including the vehicle information in a memory provided on an IC chip of the key ring type card. It is preferable.

Here, the key ring-attached card is characterized in that it is provided with a hole (Hole) for hanging on a predetermined key ring, if the key ring-attached card includes a contact interface, the key ring attached type The body of the card satisfies the specifications of ID-1 to ID-001, but if the key ring-attached card includes a contactless interface, the body of the key ring-attached card may be variously modified, such as a coin shape or a rod shape. Can be.

According to an embodiment of the present invention, the card issuing device includes an IC chip including any one of the IC chip functional configurations shown in FIGS. 3 and / or 4 and / or 5 and / or 6, and the drawing. It is preferable to produce a predetermined key ring attachable card including any one of the card body 705 shown in FIG.

Thereafter, the server stores and stores the card information including the customer information and the vehicle information and the vehicle information included in the card in the storage medium 135 in operation 830.

According to an embodiment of the present invention, the storage medium 135 is provided in a DBMS on a predetermined financial system provided on the card issuer (or associated with the card issuer), and / or the card issuer Preferably, a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using card information including the customer information and the vehicle information and the vehicle information included in the card may be provided.

If one of ordinary skill in the art to which the present invention belongs, the card information shown in Figure 3 and / or Figure 4, or the second card information shown in Figure 5 and / or Figure 6 is credit card information , Check card information, debit card information, cash card information, prepaid card information, any one of the various methods of payment can be inferred through the key ring attached card, so the detailed description thereof Omit for convenience.

9 illustrates a process of charging a second card in a first card according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a case in which the IC chip included in the key ring attachment card issued to a customer through the card issuing system shown in FIG. 1 includes the functional configuration shown in FIGS. 5 and / or 6. An IC card operation process of charging a predetermined amount of charge from a first card to a second card in connection with a payment terminal provided at a predetermined merchant in the IC chip, specifically, a predetermined vehicle in the payment terminal When a key input means for inputting information is provided, the IC chip provided in the key ring attachment card charges a predetermined amount of charge from the first card to the second card in association with the payment terminal. It is about.

Those skilled in the art to which the present invention pertains may refer to various examples of the process of charging the second card in the first card by referring to and / or modifying the drawing 9, The present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, an IC chip including the functional configuration shown in FIGS. 5 and / or 6 or an IC card provided with the IC chip in FIG. 9 is referred to as a " key ring type card " for convenience. A payment terminal provided in the affiliated store having a function of charging a predetermined amount of charge from the first card to a second card in association with a type card is referred to as a "terminal" for convenience.

Referring to FIG. 9, a key ring attachment card having an IC chip including the functional configuration shown in FIGS. 5 and / or 6 may be contacted or contactlessly interfaced with the terminal to provide a predetermined power source from the terminal. In response to the clock is activated (900), and correspondingly, the key ring attached card checks whether the terminal is requested to charge a predetermined amount of charge from the first card to the second card (905).

According to an exemplary embodiment of the present invention, the key ring attachment card may be configured by selecting whether the first card storage information is provided in the terminal or a command for requesting a predetermined amount to be charged to the second card. It is preferable to check whether the terminal is requested to charge a predetermined amount of charge from the terminal to the second card.

If the terminal is requested to charge a predetermined amount of charge in the first card to the second card (910), the key ring attached card corresponds to the second card charging request (eg, the first card). Request vehicle information corresponding to the key-ring card in response to the storage information selection or in response to the second card charging command, and confirm that the vehicle information is provided from the terminal. (915).

If the vehicle information is provided from the terminal (920), the key ring attachment card reads the vehicle information included in the first card information, and compares the read vehicle information with the vehicle information provided from the terminal. In operation 925, the charging validity of the second card is checked.

If the charging validity for the second card is not authenticated (930), the key ring attached card provides the second card charging error information in response to providing the vehicle information (935), and the first card. Ends the charging of the predetermined amount with the second card.

On the other hand, if the charging validity for the second card is authenticated (930), the key ring attached card by providing the second card charging authorization information and the first card information to the terminal in response to the vehicle information provision, After the payment terminal requests to perform a payment approval procedure for charging a predetermined amount from the first card to the second card through the first card information, the predetermined terminal corresponding to the payment approval procedure from the terminal. In operation 940, it is checked whether payment amount payment approval information and the payment amount information are provided.

If the charge amount payment approval information and the charge amount information are provided from the terminal (945), the key ring attachment card is charged by balancing the charge amount from the first card to the second card (950). In operation 955, the second card charging result is provided to the terminal.

10 illustrates a process of charging a second card in a first card according to another exemplary embodiment of the present invention.

In more detail, FIG. 10 illustrates a case in which an IC chip included in a key ring attachment card issued to a customer through the card issuing system shown in FIG. 1 includes a functional configuration shown in FIGS. 5 and / or 6. An IC card operation process of charging a predetermined amount of charge from a first card to a second card in connection with a payment terminal provided at a predetermined merchant in the IC chip, specifically, a predetermined vehicle in the payment terminal When a key input means for inputting information is not provided, the IC chip included in the key ring attachment card is used to charge a predetermined amount of charge from the first card to the second card in association with the payment terminal. It is about.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the process of charging the second card in the first card by referring to and / or modifying the drawing 10. The invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 10, an IC chip including the functional configuration shown in FIGS. 5 and / or 6, or an IC card provided with the IC chip is referred to as a " key ring attachment card " for convenience. A payment terminal provided in the affiliated store having a function of charging a predetermined amount of charge from the first card to a second card in association with a type card is referred to as a "terminal" for convenience.

Referring to FIG. 10, a key ring attachment card having an IC chip including the functional configuration shown in FIGS. 5 and / or 6 may be contacted or contactlessly interfaced with the terminal to provide a predetermined power source from the terminal. In response to the clock and being activated (1000), the key ring attachment card checks whether the terminal is requested to charge a predetermined amount of charge from the first card to the second card (1005).

According to an exemplary embodiment of the present invention, the key ring attachment card may be configured by selecting whether the first card storage information is provided in the terminal or a command for requesting a predetermined amount to be charged to the second card. It is preferable to check whether the terminal is requested to charge a predetermined amount of charge in the first card from the terminal.

If the terminal is requested to charge a predetermined amount of charge in the first card to the second card (1010), the key ring attachment card corresponds to the second card charging request (eg, the first card). Reads the vehicle information included in the first card information to the terminal in response to the selection of the storage information or in response to the second card charging command, and approves the charging of the second card from the terminal. Verify that information is provided (1015).

According to an embodiment of the present invention, the terminal operator compares the vehicle information provided from the key ring attachment card with the vehicle information included in the license plate of the vehicle corresponding to the key ring attachment card, and the vehicle information is matched. In this case, a predetermined amount of money is charged from the first card to the second card, and in this case, at least one of the payment terminal information, payment terminal operator information, or merchant information from the terminal to the key ring attachment card. Second card charging approval information is provided.

If the second card charging approval information is provided from the terminal (1020), the key ring attachment card is the second card charging approval information (eg, payment terminal information, payment terminal operator information, or merchant information). Is stored in a predetermined memory for a predetermined period of time (1025).

According to an embodiment of the present invention, the second card charge approval information (eg, payment terminal information, payment terminal operator information, or merchant information) is stored in the form of an element file in the first card storage information, or In addition to the storage area in which the first card storage information is stored, all of them may be stored in association with the first card number (or vehicle number), and the present invention is not limited thereto.

Thereafter, the key ring attachment card provides the first card information to the terminal in response to the provision of the second card charging authorization information, thereby allowing the payment terminal to provide the first card information through the first card information. 2 After requesting to perform a payment approval procedure for charging a predetermined amount with a card, it is checked whether the predetermined payment amount payment approval information and the charged amount information corresponding to the payment approval procedure are provided from the terminal (1030). ).

If the charge amount payment approval information and the charge amount information are provided from the terminal (1035), the key ring attachment card is charged by balancing the charge amount from the first card to the second card (1040). In operation 1045, the second card charging result is provided to the terminal.

Charging and transferring a predetermined amount from the first card to the second card has the same effect as converting the goods in the bankbook or check into cash to make it convenient to write or to put the change in the wallet. . If you lose your key ring, you can see that you've lost only the cash or change you've changed.

Assuming that the first card is a credit card and the second card is a prepaid card, and transfers the first amount from the kth credit card account to the key ring card, the charge amount is charged at the time of transfer of the amount. Ratio), and the amount used in the key ring attached card is referred to as the first use amount, and when the merchant MDR is expressed as, the total amount transferred from one credit card to the key ring card is

……………………………………………………… (1)

… … … … … … … … … … … … … … … … … … … … … (One)

Where is the total number of times the credit card (including debit, check, cash and other) is charged with the key ring within a certain period of time.

Thus, the total revenue from charging from the first card to the second card is

…………………………………………………… (2)

… … … … … … … … … … … … … … … … … … … … (2)

The total revenue from the MDR, which is the merchant commission rate until the amount charged to the second card, is depleted at the merchant,

………………………………………………… (3)

… … … … … … … … … … … … … … … … … … … (3)

Where is the merchant fee rate MDR for the first use amount within the first charge amount on the first card.

For reference, the charging fee is charged by the cardholder, but may be borne by the merchant at the service level. And the cost by the merchant fee rate is borne by the merchant. Therefore, the total charges from the first card and gross income from the merchant commission rate are

……………………… (4)

… … … … … … … … … (4)

It should be noted, however, that the charging costs described above may vary depending on credit, debit, debit, cash and other card types. It may also be subject to other payment terms, such as lump sum payment or partial payment.

In general, the charging cost is calculated as a percentage of each charge,

………………………………………… (5)

… … … … … … … … … … … … … … … … (5)

Where is a fixed value for. In addition, if the charging cost applied to all cards for the same card type is a fixed value,

…………………………………………… (6)

… … … … … … … … … … … … … … … … … (6)

Is displayed.

In order to further simplify the above formula, if the Merchant Commission Rate (MDR) is expressed as an average of times of use within every card and the amount charged each time within a certain number of charges,

…………………… (7)

… … … … … … … … (7)

As a result, the return from the first card is

……………………………………………………… (8)

… … … … … … … … … … … … … … … … … … … … … (8)

It is indicated by, which may result in adding merchant fees to the charge, and also brings an indirect increase in merchant fees.

As shown in Equation (8), when the card company issues a key ring attachment type card, the card issuer has an effect of increasing the merchant commission rate as a result, but when used only at a specific merchant such as a gas station, A key ring attachment card may be issued. In this case, a predetermined amount may be prepaid to the affiliated store (for example, a prepaid payment) from the first card to the second card, and at this time, the merchant fee rate is applied. May be applied differently depending on the affiliated store.

11 is a diagram showing the functional configuration of a payment terminal according to an embodiment of the present invention.

In more detail, Figure 11 relates to an embodiment of a payment terminal for payment or card charging service using a key ring attached card, if the person of ordinary skill in the art to which the present invention belongs, By referring to and / or modified to infer a variety of payment terminal function configuration for the payment or card charging service using the key ring attached card, but the technical features of the present invention is not limited by this Figure 11, It is to be understood that the inference includes all implementation methods.

Referring to FIG. 11, a payment terminal for a card payment service or a card charging service using a key ring attachment card basically includes a control unit 1105, a memory unit 1150, a card reader 1110, a key input unit 1120, and the like. It comprises a screen output unit 1115, a communication processing unit 1130, a security application module 1135, a print output unit 1140, and a power supply unit 1125 for supplying power to the payment terminal, according to the intention of the skilled person At least one terminal function unit (not shown) and the like.

The control unit 1105 controls the overall operation of the payment terminal in function configuration, manages the flow of information or data between each component, and is provided in the payment terminal for payment or card charging using a key ring attached card. At least one processor and execution memory (eg, registers and / or RAM), each of which includes a central processing unit (CPU) and a micro processing unit (MPU) in hardware. (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and loading into the execution memory from a predetermined recording medium to perform a function specific to a payment terminal in software ( A predetermined program routine and / or a program which is loaded and computed by the processor. Software, and / or a predetermined program recorded on a recording medium provided in the payment terminal for payment or card charging using a key ring attached card, and / or a functional configuration provided in the payment terminal. A component capable of being processed is shown in the control unit 1105).

According to the exemplary embodiment of the present invention, the controller 1105 may include components (eg, the memory unit 1150, the card reader unit 1110, the key input unit 1120, and the screen output unit 1115) provided in the payment terminal. ), The communication processing unit 1130, the security application module 1135 and the print output unit 1140 and / or the terminal functional unit (not shown) according to the intention of those skilled in the art) interlocked with each other, the electronic payment defined in the payment terminal Controlling and managing the provision of the service, as well as interworking control of the components provided in the payment terminal for the payment or card charging service using the key ring attached card according to the present invention, and / or the It is preferable to execute a program recorded on a recording medium provided in the payment terminal for payment or card recharging service using a key ring attachment card.

The memory unit 1150 stores information or data input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal is performed. General term of non-volatile memory for storage of at least one, including at least one storage means including EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. And a predetermined program routine required for the control unit 1105 to perform a predetermined control function and program data (eg, data input or output for the program routine to perform a predetermined function). It is characterized by.

Customers who receive payment or card recharge service using the key ring attachment card according to the present invention through the payment terminal, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / or ISO / IEC 7816 Carry (or own) a contact IC card (or wireless IC chip) based on the specification, and / or at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard, The card reader 1110 may provide an interface for reading at least one or more information or data included in the card.

According to the exemplary embodiment of the present invention, the card reader 1110 may contact the MS reader unit providing an interface between the MS card and the payment terminal, and / or an interface between the contact IC card and the payment terminal. And a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal.

The MS reader unit is a card reader unit 1110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the payment terminal by using the loaded.

The contact IC reader is a card reader 1110 based on ISO / IEC 7816 and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the payment terminal.

The contactless IC reader is a card reader 1110 based on ISO / IEC 14443. The contactless IC reader is a non-contact electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU Characterized in that the interface to the terminal.

According to the exemplary embodiment of the present invention, the card reader 1110 may include predetermined card information (for example, a credit card and a check card provided in the card) when the payment is made using the key ring attached card. And payment means information corresponding to a payment means including at least one of a debit card, a cash card, and a financial account), and reading the vehicle information provided (or stored) in the key ring attachable card. .

The key input unit 1120 is provided with at least one or more key buttons including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key button provided in the key input device in a specific input mode and / or an operation mode of the payment terminal controlled by the controller 1105; When predetermined information (or signal) is inputted from the controller, a key event corresponding to the input information (or signal) is generated and the generated key event is provided to the controller 1105. 1105, a predetermined function defined in accord with the key event and / or acquiring predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal. Characterized by obtaining a command to execute. The key input unit 1120 and the key input device having at least one or more key buttons interoperate with each other to perform a function of key input means provided in the payment terminal.

The key input device interworking with the key input unit 1120 may include a keypad device including at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 1120 receives key data (eg, payment amount) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the payment terminal. It is preferable to perform a function of a key input means for receiving an input, and also to settle a payment using a key ring attached card according to the present invention or a card charging service from the key input device for a card charging service. It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing a card charging service.

The screen output unit 1115 is a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the control unit 1105 while the payment terminal performs a predetermined function (for example, an electronic payment processing function). Output at least one or more information or data which is predefined or defined in real time to be output to a predetermined screen output device including a through a predefined interface screen, the screen output unit 1115 and the screen output The devices interoperate with each other to perform the function of the screen output means provided in the payment terminal.

The predefined information or data to be output to the screen output device in the payment terminal is stored or generated by key data input through the key input unit 1120 and / or components included in the payment terminal. Information (or data), information (or data) transmitted and received through the communication processing unit 1130, and / or at least one or more corresponding to (or data) corresponding to a predetermined calculation result performed by the payment terminal.

According to a preferred embodiment of the present invention, the screen output unit 1115 of the screen output means for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal It is preferable to perform a function, and also in the step of providing a payment or card charging service using the key ring attached card to the screen output device for payment or card charging service using the key ring attached card according to the present invention. It is preferable to perform the function of the screen output means for outputting the corresponding process screen.

The communication processing unit 1130 may be a server on a communication network and / or connected through a payment network (eg, a value added network (VAN)) while the payment terminal performs a predetermined function (eg, an electronic payment processing function). Providing a predetermined communication means for connecting a communication session with a terminal (or device) connected to the payment terminal through a predetermined cable and / or a terminal (or device) connected to the payment terminal through a predetermined short distance wireless communication. A network communication unit for connecting a predetermined communication channel with a server on a communication network on a wired or wireless network, and / or a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port. And / or a predetermined communication fee with a predetermined local area communication terminal (or device) device via at least one local area wireless communication means. Comprised, including the short-range wireless communication unit for connecting, it comprises a communication protocol and / or the driver for connecting the communication channel (or communication session) by software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a server on a communication network on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and is a modem for connecting the payment terminal to a predetermined wired / wireless network in hardware. It includes a network interface card (NIC), and includes a communication protocol and / or driver for software to connect the payment terminal to the wired and wireless network.

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable is connected in hardware. It consists of a predetermined cable communication port, and comprises a communication protocol and / or driver for the cable communication in software.

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit preferably includes a predetermined point of sales (POS) terminal.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The Secure Application Module (SAM) 1135 (Secure Application Module (SAM)) is a confidentiality and / or authentication and / (Authentication) required in the process of the payment terminal to perform the electronic payment and / or electronic payment using the card Or as a safeguard for performing security requirements including integrity and / or nonrepudiation in a secure and reliable structure within the payment terminal without using an authentication server on a payment network. Encrypts or decrypts a predetermined message (information or data) that is processed in the process of the terminal performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function), and forgery (or a tampering) of the message. Adding an authenticator to prevent or storing important information in the process of performing the security request function It characterized.

In general, the security application module 1135 preferably comprises a predetermined security application module 1135 inserter and the security application module 1135 chip, the security application module 1135 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 1135 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, code values, etc.) required for the payment terminal to perform a predetermined security request function. Or a key (e.g., one master key and at least one application key) and / or a protocol (e.g., trading protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol , Privilege acquisition protocols, mode switch protocols, key download protocols, SAM revocation protocols) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switch / collection / delete / discard / initialization / reprocessing) / Cancel command) is preferred.

The print output unit 1140 may process the payment terminal performing a predetermined function (eg, an electronic payment processing function) and / or predetermined information or data (eg, payment processing result information or data) generated as a result. Characterized in that the output to a predetermined printing device (for example, a receipt printer), and comprises a printing protocol and a driver for printing the print information or data through the predetermined printing device in accordance with a predefined printing form.

Referring to FIG. 11, when the payment terminal reads the vehicle information from the card attached with a key ring in the card reader 1110, the payment terminal outputs information on the screen through the screen output unit 1115. The card information and the payment amount when the card information is read from the key ring attachment card by the card reader unit 1110 and a predetermined payment amount is input through the key input unit 1120. A full text generation unit 1160 for generating a full text of a payment approval request, and a full text transmission unit 1165 for transmitting the generated full text of a payment approval request to a server on a communication network through the communication processing unit 1130; Receiving, through the communication processing unit 1130, a payment approval text including a payment processing history corresponding to the payment approval request text from a server on a communication network on the payment network. And a professional processing unit 1170 which outputs the payment processing details included in the payment approval full text through the screen output unit 1115 and / or prints the output through the print output unit 1140. It features.

According to the present invention, the card number allocation and management process by including a vehicle number managed in the card number is not duplicated by the national authority in the card issuing process, or by issuing a card assigned a card number associated with the vehicle number It is advantageous to issue a card that can be attached to a key ring of the vehicle for the vehicle owner by simplifying and simplifying it, such as an anonymous prepaid card (or an anonymous traffic card).

According to the present invention, a first card having a card number including the vehicle number or a card number associated with the vehicle number on the key ring attachment card, and a second payment for charging by the first card. A card (eg, a prepaid card) is provided, and the second card is charged by the vehicle number authentication of the first card in the charging process of the second card, so that a predetermined amount is charged to the second card at a general merchant such as a gas station. There is an advantage to this.

According to the present invention, when the fuel is supplied to the vehicle through the key ring attachment card, the vehicle key is removed from the starter so that the payment is processed, thereby inducing the vehicle to be turned off at the gas station. There is an advantage.

Claims (2)

An IC card having predetermined card information and vehicle information; And At the time of payment, the card information and the vehicle information are received or read from the IC card, the payment approval request message is generated using the received or read card information, and transmitted to a server on a communication network. The received or read vehicle information is And a terminal for outputting a predetermined screen. The method of claim 1, wherein the IC card, IC card operating system, characterized in that the card body is connected to a predetermined ring.

Images