KR20090050029A - Method for processing application(or data) - Google Patents

Abstract

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an application (or data) processing method, wherein an application component required to generate an application (or data) to be loaded or stored with a predetermined IC chip or IC card issued by a specific issuer. Or extracting a predetermined application component or data block required to generate an application (or data) from a memory storing a data block, and the IC chip or IC card from the extracted application component or data block. Generating an application (or data) to be mounted or stored in the memory, and mounting or storing the generated application (or data) in the IC chip or IC card.

IC card, application, mounting, card terminal device

Description

Application (or data) processing method {Method for Processing Application (or Data)}

1 is a diagram showing the functional configuration of a card terminal apparatus for mounting a card application (or data) according to a preferred embodiment of the present invention.

2 is a flowchart illustrating a process of extracting a card application (or data) and loading or storing the card application (or data) according to an exemplary embodiment of the present invention.

3 is a flowchart illustrating a process of generating a card application (or data) and mounting or storing the same on an IC chip or IC card according to a preferred embodiment of the present invention.

4 is an exemplary view showing an embodiment of generating a card application (or data) in the card terminal device.

<Description of main parts of drawing>

100: card terminal device 105: control unit

110: mounting unit 115: generating unit

120: extraction unit 125: authority acquisition unit

130: judgment unit 135: storage unit

140: IC interface 145: additional module

150: key input unit 155: communication processing unit

160: screen output unit 165: memory unit

170: IC card 175: card issuing organization

The present invention provides a memory for storing a predetermined application component or data block required to generate an application (or data) to be loaded or stored with a predetermined IC chip or IC card issued by a specific issuer. Extracting a predetermined application component or data block required to generate an application (or data) from the application; and extracting an application (or data) to be mounted or stored in the IC chip or IC card from the extracted application component or data block. It relates to an application (or data) processing method comprising the step of generating and mounting or storing the generated application (or data) on the IC chip or IC card.

The IC chip or IC card includes a central processing unit and various memory devices for storing and computing various digital information. The IC chip includes a central processing unit, a ROM (Read Only Memory), and a RAM (Random Access Memory). ) And EEPROM (Electrically Erasable and Programmable Read Only Memory), and it acts as a small computer without input and output devices.

Recently, IC chip or IC card is a multi-purpose combination card equipped with a central processing unit, and it is platform independent because it can execute programs regardless of the card manufacturer, and aims at an open platform that can be installed and deleted even after card issuance. . Typical open platforms include Javacard, MULTOS, Smart Card For Windows (SCFW), and SmartTEC OS.

Javacard is a platform equipped with Java Virtual Machine (JVM) on top of COS (Chip Operating System) .It is an existing card terminal device for modifying program inside the card, loading one or more application programs, and communicating through online downloading. It is an open platform based on the general purpose of.

MULTOS is a platform with MVM (MEL Virtual Machine) designed in MEL (Multos Executable Language), a unique interpreting language on MULTOS, a multifunctional operating system developed by Mondex and supported by MAOSCO, an industry consortium led by Mondex. It is used in various application fields, and it is an open platform mounted in IC chip or IC card with electronic money in Korea.

SCFW card is a platform that embeds Visual Basic Virtual Machine (VBVM) in MS Kernel of 8bit operating system dedicated to IC chip or IC card developed by Microsoft, and uses Visual Basic of Microsoft Corporation. This is an open platform designed to allow general developers who do not have a thorough knowledge of IC chips or IC cards to approach service development.

SmartTEC OS is a platform similar to the desktop operating system designed with the same structure as Windows NT, unlike the file design structure proposed by the IC chip or IC card regulation ISO-7816.It can be used for online downloading, multipurpose application functions, etc. A program on open, once ported ROM is an open platform that can be patched online using vector tables.

The characteristics of the open platforms as described above are characterized in that a predetermined task (for example, card application issuing service) with the card issuing institution or the card issuing institution, even after the IC chip or IC card manufactured by the card manufacturer is issued to the user through the card issuing institution. Cooperation partner, etc. can post-issue a predetermined card application to the IC chip or IC card.

That is, the issue or post-issuance of card applications to the IC chip or IC card as described above is limited to the card issuing agency or a predetermined cooperative agency, which is a high level of security provided in the IC chip or IC card. In order to ensure that only qualified persons have access to the IC chip or IC card in order to maintain the quality, the IC chip or IC card may be provided through a general development tool such as Java, MEL, or Visual Basic. Even if a card application to be mounted is produced, a high level of programming knowledge and an understanding of an IC chip or an IC card are required to produce the card application.

An object of the present invention to solve the above problems is to provide a predetermined application component (Application Component) required to generate an application (or data) to be mounted or stored with a predetermined IC chip or IC card issued by a specific issuer or Extracting a predetermined application component or data block required to generate an application (or data) from a memory storing a data block; and from the extracted application component or data block to the IC chip or IC card. An application (or data) processing method comprising generating an application (or data) to be mounted or stored and mounting or storing the generated application (or data) on the IC chip or IC card.

Application (or data) processing method according to the present invention is a predetermined application component (Application Component) required to generate an application (or data) to be mounted or stored with a predetermined IC chip or IC card issued by a specific issuer or Extracting a predetermined application component or data block required to generate an application (or data) from a memory storing a data block; and from the extracted application component or data block to the IC chip or IC card. Generating an application (or data) to be mounted or stored, and mounting or storing the generated application (or data) on the IC chip or IC card.

Further, in order to obtain the authority required to mount a predetermined application (or data) from the issuing authority that issued the IC chip or IC card to the IC chip or IC card, the issuing authority is applied to the IC chip or IC card. Generating and transmitting access right request information for the access authority; and receiving access right approval information from the issuer.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, the preferred embodiment of the present invention to be implemented below includes a memory unit, an extraction unit, a generation unit, a mounting unit, a determination unit, an authority acquisition unit, and a storage unit to collectively describe the technical configuration of the present invention. The card terminal apparatus will be described. However, the general embodiment of the present invention as described above may be described through individual embodiments, and the technical spirit of the present invention is determined by the claims of the present invention.

1 is a diagram showing the functional configuration of a card terminal (100) for mounting a card application (or data) according to a preferred embodiment of the present invention.

Referring to FIG. 1 according to a preferred embodiment of the present invention, the card terminal apparatus 100 basically includes a control unit 105, an IC interface 140, a key input unit 150, a screen output unit 160, and a memory unit ( 165, a communication processing unit 155, a predetermined additional module, and the like.

The memory unit 165 is internal to the card terminal device 100 as at least one or more storage media (eg, EEPROM (Electrically Erasable and Programmable Read Only Memory), FM (Flash Memory), or HDD (Hard Disk Drive)) in hardware. When a predetermined program code and an operation performed by the program code (for example, a terminal application) to be mounted on or mounted to or detached from the outside, and to control the overall operation of the card terminal apparatus 100 by software, are performed. As a general term for a space and / or an area in which input / output data and the like are stored, the memory unit 165 of the card terminal device 100 may include at least one or more data in the memory unit 165 to ensure data integrity. It can be equipped with a special storage space set as a protected area for safe storage of the data, and the stored data meets ISO / IEC 7816 and / or ISO / IEC 14443, etc. Even comply with one or more smart card standard.

Referring to FIG. 1, a card application (or data) and / or a card terminal device 100 in the memory unit 165 may be mounted or stored in a predetermined IC chip or IC card 170. Application components or data blocks for generating (or data) automatically or semi-automatically (eg, only performing certain information input or setting operations) without program coding are stored.

According to the present invention, the card application (or data) stored in the memory unit 165 may have a predetermined structure mounted or stored in at least one IC chip or IC card 170 (eg, Java Card, Mondex Card). Wherein the application component generates the card application through a predetermined compilation process in the card terminal device 100, and the data block includes predetermined information or data in the card terminal device. The card data may be generated through an input or a substitution process.

According to a preferred embodiment of the present invention, the card application (or data) and / or the application component or data block is stored in the memory unit 165 at the stage where the card terminal apparatus 100 is manufactured, or a network Via the card application (or data) and / or a server (eg, card application providing server) for providing an application component or data block and stored in the memory unit 165, or a predetermined removable storage means (e.g. A CD (Compact Disk), a Floppy Disk, a USB (Universal Serial Bus) memory card, a CF (Compact Flash), etc.) to be read into the card terminal device 100 and stored in the memory unit 165. It is preferable to be.

According to a preferred embodiment of the present invention, the application component stored in the memory unit 165 is mounted on a predetermined memory provided in a predetermined IC chip or IC card 170, the IC chip Or a source code, a script, and / or a source code, a script, and / or a predetermined programming language including a grammar (or function) that is executed or processed in a predetermined chip operating system (COS) provided in the IC card 170. Or an object, preferably, a Java Applet that is executed or processed in a COS included in a predetermined IC chip or IC card 170, source code, script, which generates a MEL application, And / or objects.

In addition, the data block stored in the memory unit 165 is stored in a predetermined memory provided in a predetermined IC chip or IC card 170, and stored in the IC chip or IC card 170. It is preferably made of a predetermined information or data that can be read or written by a predetermined COS (Chip Operating System) provided, and is also a diary or write in the COS provided in a predetermined IC chip or IC card 170 It is preferable to include a structure and a union.

According to a preferred embodiment of the present invention, the memory unit 165 is a terminal application using the card application (or data) mounted or stored in a predetermined IC chip or IC card 170 in the card terminal device 100. , And / or the terminal application further includes a predetermined command set required for using a card application (or data) mounted or stored on a predetermined IC chip or IC card 170. Do.

The IC interface 140 is an apparatus and / or system for interworking an IC chip or IC card 170 and a card terminal device 100 (or a terminal application provided in the card terminal device 100). ISO / IEC 7816 and And / or based on at least one IC chip or IC card 170 standard that satisfies ISO / IEC 14443 or the like, through a protocol such as an APDU (Application Protocol Data Unit), between the card terminal device 100 and the smart card. It handles data exchange and / or transaction.

According to the IC chip or IC card 170 standard that satisfies ISO / IEC 7816 and / or ISO / IEC 14443, etc., the IC interface 140 defines the card terminal device 100 as a master mode, It provides half duplex communication which defines the IC chip or IC card 170 as slave mode. For example, when the card terminal device 100 transmits a series of commands to the smart card through the IC interface 140, the IC chip or IC card 170 performs a series of operations according to the result, and the result is a card interface ( 140, and returns to the card terminal device (100).

According to a preferred embodiment of the present invention, the IC interface 140 includes a contact interface 140 including a contact contact based on ISO / IEC 7816 and / or a contactless contact based on ISO / IEC 14443 and the like. A contactless interface 140 or the like is provided.

The contact interface 140 is an interface 140 based on ISO / IEC 7816. The card terminal apparatus 100 supplies power to the IC chip or the IC card 170 and is electrically used as a means for exchanging data. It's a way to use contact. The IC chip or IC card 170 interworking with the card terminal device 100 through the contact interface 140 as described above includes an electrical chip (Chip On Board; COB), IC chip or IC card. When 170 is inserted into the contact interface 140, the contact interface 140 supplies power to the IC chip or IC card 170 through at least one contact point (eg, VCC contact point) among the contact plates. It provides data exchange between the IC chip or IC card 170 and the card terminal device 100 through at least one or more contact points (eg, I / O contact points).

Non-contact interface 140 An interface 140 based on ISO / IEC 14443, wherein the card terminal device 100 supplies power to the IC chip or IC card 170 and provides electrical contact as a means for data exchange. It is not used. The IC card or IC card 170 interworking with the card terminal device 100 through the non-contact interface 140 as described above may be connected to the card terminal device through capacitive coupling and / or inductive coupling. An antenna interworking with 100 is included, and when the IC chip or IC card 170 approaches the contactless interface 140, the contactless interface 140 is configured to perform the IC in at least one of electrostatic coupling and / or electromagnetic induction. It supplies power to the IC chip or IC card 170 through the antenna of the chip or IC card 170, and provides data exchange between the IC chip or IC card 170 and the card terminal device 100.

The key input unit 150 includes a plurality of number keys, a character key for inputting characters, a function key, and the like. Alternatively, when a user presses a predetermined key, a general function of generating corresponding key data and transmitting it to the control unit 105, a data item and information input function for function calculation, and an IC chip or IC card 170 ) At least one IC chip that satisfies ISO / IEC 7816 and / or ISO / IEC 14443, or the like, as an input device such as a PIN (Personal Identification Number) input function for authenticating validity. The IC card 170 and the IC chip or IC card 170 interoperable with the card terminal device 100, and / or the card issuing organization 175, etc., characterized in that it is provided to meet the business standards.

The screen output unit 160 has a function of outputting key data generated by the key input unit 150 to the screen, and the controller 105 includes at least one card terminal device 100 component (eg, an additional module and / or A function of outputting various information generated in association with the IC interface 140, etc. on the screen, and outputting information and / or calculation results generated through a series of calculations and processes within the card terminal apparatus 100; And outputting information transmitted and received with a server and / or device on a network through a network communication module of the communication processor 155, and outputting information transmitted and received with an external device through an external communication module of the communication processor 155. And / or a function of outputting information transmitted and received with the local area communication device through the local area communication module of the communication processing unit 155.

The communication processing unit 155 is composed of at least one or more devices for connecting the card terminal device 100 to the outside and / or a network in hardware, the software and the card terminal device 100 to the external and / or network As a generic term of at least one communication application for connecting to the back and the like, details of data communication provided by the communication processing unit 155 are supported by a communication module mounted in the communication processing unit 155 of the card terminal device 100. Communication protocols and standards, and the communication protocols and standards provided by the device and / or server and the like connected to the card terminal device 100 via a communication and / or network by cable or ground.

According to a preferred embodiment of the present invention, the communication processing unit 155 is connected to an external device and a card by wire through a network communication module, a cable and / or a port for connecting the server and / or device and the card terminal device 100 on a network. An external communication module for connecting the terminal device 100 and / or a short-range communication module for connecting the near field communication device and the card terminal device 100 wirelessly through short-range wireless communication is provided.

The network communication module of the communication processing unit 155 is composed of at least one device (for example, a modem or a network interface card (NIC)) for connecting the card terminal device 100 to a network in hardware. In some embodiments, the card terminal device 100 may provide a function of connecting the card terminal device 100 to an upper server and / or a network device through a network. Details of the network communication module may include at least one communication protocol valid on a network (eg, the Internet and / or a value added network (VAN)) to which a network communication module is connected, and / or an upper server connected through the network communication module; / Or the communication protocol provided by the network device.

The external communication module of the communication processor 155 may include at least one serial communication port (eg, an RS-232c (Recommended Standard-232C) port or a USB port) for connecting the card terminal device 100 with an external device in hardware. And a parallel communication port (eg, LPT (Line Print Terminal)) and the like, and provide a function of connecting the card terminal device 100 with an external device through a communication port and a wired cable by software. Details of the network communication module comply with at least one communication protocol compatible with an external device (eg, a point of sale (POS) and / or an external printer) to which an external communication module is connected.

The short-range communication module of the communication processor 155 may include at least one short-range communication device (eg, an infrared ray port, a radio frequency (RF) tag) for connecting the card terminal device 100 with the short-range communication device in hardware. , Bluetooth, wireless LAN card, and the like, and software-based short-range communication (eg, Infrared Ray communication, RF (Radio Frequency) communication, Bluetooth (Blue Tooth), It provides a function of connecting to a local area communication device through a wireless LAN, Wi-Fi, etc.). Details of the near field communication module comply with at least one near field communication protocol compatible with a near field communication device (for example, a wireless terminal providing IrFM (Infrared Financial Messaging) of the Infrared Data Association) to which the near field communication module is connected. .

Device and / or system additionally provided to the card terminal device 100 according to the environment and role in which the card terminal device 100 operates, in addition to the basic components of the card terminal device 100 as described above. As a generic term, a representative additional function processing unit that can be mounted on the card terminal device 100 includes a Secure Application Module (SAM) system, a printer for receipt printing, a banknote ejector for cash payment, and the like. Details of the add-on processing unit are in accordance with respective protocols and / or standards supported by the devices and / or systems added to the add-on processing unit.

The control unit 105 is composed of a central processing unit (CPU), a read only memory (ROM), a random access memory (RAM), a system bus, etc. in hardware, and the card terminal device 100 in software. Of the operating system and the card terminal device 100 control management program and the card terminal device 100 applications executed during the booting process and / or after booting, and overall operation of the card terminal device 100 (eg, payment processing). ) To control and manage.

According to a preferred embodiment of the present invention, the control unit 105 extracts the card application (or data) stored in the memory unit 165 or the application component stored in the memory unit 165 for the functional configuration of the present invention. An extraction unit 120 for extracting a data block, and a generation unit for generating a predetermined card application (or data) from the application component or data block when the extraction unit 120 extracts an application component or a data block ( 115 and the extraction unit 120 extracts a card application (or data), or when the generation unit 115 generates a card application (or data), the card application (or data) is selected. A mounting unit 110 mounted or stored on the IC chip or IC card 170 is provided.

In addition, when the generation unit 115 generates a predetermined card application (or data) from the application component or data block, the control unit 105 sends the generated card application (or data) to the memory unit 165. It includes a storage unit 135 for storing, and a determination unit 130 for determining whether to mount or store the card application (or data) on the IC chip or IC card 170, and also the mounting unit 110 An authority obtaining unit 125 is provided to acquire access rights required for mounting or storing the card application (or data) on the IC chip or IC card 170.

The extraction unit 120 extracts a card application (or data) to be mounted or stored from the memory unit 165 to the IC chip or the IC card 170 in the card terminal device 100 and provides it to the mounting unit 110. Or extract the application component or data block required to generate the card application (or data) from the memory unit 165.

According to a preferred embodiment of the present invention, the extractor 120 determines that the determination unit 130 mounts or stores the card application (or data) on the IC chip or IC card 170. It is preferable to extract a card application (or data) and / or an application component or data block to be mounted or stored in the IC chip or IC card 170 from the memory unit 165.

In addition, the extractor 120 may include at least one or more stored in the memory unit 165 to extract the card application (or data) and / or application component or data block from the memory unit 165. A card application (or data) list and / or an application component list or a data block list are output to the screen output unit 160, and the IC chip or IC card 170 is selected from the list through the key input unit 150. Selecting a card application (or data) and / or application component or data block to be loaded or stored in the memory device, and loading the selected card application (or data) and / or application component or data block from the memory unit 165. It is preferable. If a card application (or data) and / or an application component or a data block to be extracted from the memory unit 165 is specified in advance, the above-described process may be omitted and the IC chip or IC card may be removed from the memory unit 165. The card application (or data) and / or application component or data block to be mounted or stored in 170 may be automatically loaded.

The determination unit 130 loads or stores the card application (or data) on the IC chip or the IC card 170 before the card application (or data) is extracted or generated by the card terminal device 100. And / or the card application (or data) is loaded onto the IC chip or IC card 170 before the card application (or data) is loaded or stored in the IC chip or IC card 170 in the card terminal apparatus 100. It is characterized by judging whether or not it can be mounted.

When the extraction unit 120 extracts an application component or data block from the memory unit 165, the generation unit 115 processes the application component or data block and mounts it on the IC chip or IC card 170. Or generating a card application (or data) to be stored.

According to a preferred embodiment of the present invention, when an application component is extracted from the memory unit 165, the generation unit 115 adds and / or sets predetermined information or data to the extracted application component, It is preferable to generate a predetermined card application to be mounted on the IC chip or IC card 170 by constructing and / or compiling an application component, and constructing a predetermined program by constructing the application component. A code generator for generating code, a user interface for inputting or setting predetermined information or data required for generating the program code, and a compiler for compiling the generated program code. It is preferable to make.

For example, if the application component is a class consisting of Object Oriented source code, scripts, and / or objects, the generator 115 includes abstraction, concealment, inheritance, and polymorphism of the class. A code generator for automatically generating a program code compiled into a predefined card application (or data) by using an attribute of the program and predetermined information or data corresponding to a member variable of a class included in the program code (eg, a program authentication number) And a user interface 140 for inputting a customer name, a social security number, etc., and a compiler for compiling the program code to generate a predetermined card application.

According to a preferred embodiment of the present invention, when a data block is extracted from the memory unit 165, the generation unit 115 adds and / or sets predetermined information or data to the extracted data block to establish the IC. It is preferable to generate the card data to be stored in the chip or IC card 170, the user receiving the predetermined information or data that is assigned or set to a predetermined variable or constant included in the data block It is preferable to include an interface 140 and a compiler for generating card data by substituting the input information or data into the data block.

For example, if the data block is a structure consisting of five variables, the generation unit 115 may assign the five variables included in the structure according to each data type (eg, an integer, a real number, a character, and / or a string). The user interface 140 receives predetermined information or data, and the compiler generates card data by substituting the input information or data into each variable included in the structure.

When the generation unit 115 generates a predetermined card application (or data) from an application component or a data block, the storage unit 135 transmits the generated card application (or data) to the card terminal device 100. The storage unit 135 stores the memory unit 165 in the memory unit 165.

According to a preferred embodiment of the present invention, when the card application (or data) stored in the memory unit 165 by the storage unit 135 is subsequently mounted on another IC chip or IC card 170, the card application Except in the case where the predetermined information or data included in the data (or data) is required, it is preferable to be extracted from the memory unit 165 and mounted on the IC chip or the IC card 170.

The mounting unit 110 extracts the card application (or data) that the extraction unit 120 can mount or store in the IC chip or IC card 170 from the memory unit 165, or the generation unit 115 stores the memory. When generating a card application (or data) that can be mounted or stored in the IC chip or IC card 170 by using the application component or data block extracted from the unit 165, the card application (or data) is stored in the IC. It is characterized in that mounted or stored in the IC chip or IC card 170 through the interface 140.

The right acquiring unit 125 may have an access right to the IC chip or IC card 170 so that the mounting unit 110 mounts or stores the card application (or data) on the IC chip or IC card 170. If necessary, from the card issuing organization 175 for the IC chip or IC card 170, a predetermined access right for loading or storing a predetermined card application (or data) on the IC chip or IC card 170 may be obtained. It is characterized by obtaining.

According to a preferred embodiment of the present invention, the authority acquisition unit 125 reads predetermined identification information from the IC chip or IC card 170, and includes the read identification information and card terminal device 100 information. Generating predetermined access right request information, and transmitting the access right request information to the card issuing authority 175 to request access right approval information, and corresponding to the access right request information from the card issuing authority 175. It is preferable to receive the access authorization approval information.

2 is a flowchart illustrating a process of extracting a card application (or data) and loading or storing the card application (or data) in the IC chip or the IC card 170 according to a preferred embodiment of the present invention.

2 according to a preferred embodiment of the present invention, the IC chip in the process of payment processing in a predetermined merchant card terminal device 100 through at least one or more payment means provided in the IC chip or IC card 170. Alternatively, the present invention relates to a process of loading or storing a predetermined card application (or data) on the IC card 170. For example, FIG. 2 illustrates a case where a card application (or data) corresponding to a sweepstakes ticket is mounted or stored on the IC chip or IC card 170 to a purchaser of 100,000 won or more at a large discount store.

Before the process of FIG. 2 is performed, the card terminal apparatus 100 includes a predetermined card application (or data) corresponding to a predetermined card application (for example, a prize entry ticket) to be mounted or stored in the IC chip or the IC card 170. ) Is stored.

With a predetermined card application (or data) stored in the card terminal device 100 of the affiliated store as described above, through a predetermined payment means (for example, a credit card) mounted on a predetermined IC chip or IC card 170. In order to perform the payment process (200), the IC chip or IC card 170 through the validity (for example, a predetermined PIN (Personal Identification Number) input to the IC chip or IC card 170 in the payment process) Confidentiality, Authentication, Integrity, and Nonrepudiation Guarantee) are authenticated, and it is also necessary to determine the card issuer 175 that issued the IC chip or IC card 170. It is possible.

Whether the card terminal device 100 loads or stores a predetermined card application (or data) stored in the card terminal device 100 in the IC chip or the IC card 170 in the payment process as described above. Determine (205).

For example, if the IC chip or IC card 170 is not equipped with a card application (or data) corresponding to a prize entry, and the payment amount using the IC chip or IC card 170 exceeds 100,000 won, The IC chip or IC card 170 stores or stores a card application (or data) corresponding to the prize entry ticket.

If it is not necessary to mount or store a predetermined card application (or data) stored in the card terminal device 100 in the IC chip or IC card 170 (210), the card terminal device 100 is a conventional payment processing The payment request data is generated and transmitted to the payment server through the scheme, and predetermined payment processing data is received from the payment server, and the payment processing is completed through the payment processing data.

On the other hand, if it is determined to mount or store a predetermined card application (or data) stored in the card terminal device 100 on the IC chip or IC card 170 (215), the card terminal device 100 is the IC chip. Alternatively, it is checked whether the IC card 170 can actually mount or store the card application (or data) stored in the card terminal device 100 (220).

For example, if the IC chip or IC card 170 is a Java card, and the card application (or data) stored in the card terminal device 100 can be mounted only on the Mondex card, the card application (or data) is loaded into the IC chip. Alternatively, the IC card 170 may not be mounted or stored. Also, if there is no free space to mount or store the card application (or data) on the IC chip or IC card 170, the card application (or data) is also mounted or stored on the IC chip or IC card 170. Can't.

If the IC chip or IC card 170 cannot mount the card application (or data) stored in the card terminal device 100 (225), the card terminal device 100 pays through the existing payment processing method. Generates request data and transmits it to a payment server, receives predetermined payment processing data from the payment server, and completes the payment processing through the payment processing data.

On the other hand, if the IC chip or IC card 170 is equipped with a card application (or data) stored in the card terminal device 100 (230), the card terminal device 100 is the payment server (= card issuing agency The card terminal device 100 (for example, an affiliated store provided with the card terminal device 100) transmits the card application (or data) to the IC chip or the IC card 170 with respect to the payment request data transmitted to the IC card 170. Attach the access right request information required to mount or store (235), and transmit the payment request data to which the access right request information for the IC chip or IC card 170 is attached as described above to the payment server. In operation 240, payment processing data is received from the payment server.

When the payment processing data is received from the payment server as described above, the card terminal device 100 completes the predetermined payment processing using the payment means provided in the IC chip or the IC card 170 using the payment processing data. And the access right required for the card terminal apparatus 100 to mount a predetermined card application (or data) on the IC chip or IC card 170 in the payment processing data by reading the payment processing data (245). Check whether the approval information is included (250).

According to another embodiment of the present invention, as described above, the process of acquiring the access right to the IC chip or the IC card 170 from the card issuing agency 175 is obtained by the predetermined access right through a predetermined business agreement or the like. In this case, the process of acquiring access rights in real time in order to mount a predetermined card application (or data) on the IC chip or IC card 170 in the card terminal apparatus 100 may be omitted. .

If the payment processing data does not include the access right approval information for the IC chip or IC card 170 (255), the card terminal device 100 is predetermined by the IC chip or IC card 170. Do not load or store card applications (or data).

On the other hand, if the payment processing data includes the access right approval information for the IC chip or IC card 170 (260), the card terminal device 100 from the memory unit 165 the IC chip or IC card ( Extracts a card application (or data) to be mounted on the card 170 (265), and mounts or stores the extracted card application (or data) on the IC chip or the IC card 170 by using the access authorization information. (270).

3 is a flowchart illustrating a process of generating a card application (or data) and mounting or storing the same on an IC chip or IC card 170 according to a preferred embodiment of the present invention.

3 according to a preferred embodiment of the present invention, predetermined software is installed in a client terminal (= card terminal device 100) equipped with an IC interface 140 (e.g., an IC card 170 reader) (e.g., Download and install through the Internet, or install through a CD), and the process of loading or storing a predetermined card application (or data) linked with the software in a predetermined IC chip or IC card 170. For example, in FIG. 3, the harmful site blocking software is installed on a predetermined client terminal, and the predetermined IC chip or IC card 170 is installed as a card application (or data) for releasing the harmful site blocking function of the harmful site blocking software. For mounting or storing.

Before the process of FIG. 3 is performed, harmful site blocking software is installed on the card terminal device 100 (eg, a client terminal equipped with an IC card 170 reader), and the card terminal device ( An application component or data block for generating a card application (or data) for releasing the harmful site blocking function is stored in the card terminal device 100, and the application component or data block is included in the harmful site blocking software. Function to generate a predetermined card application (or data) from the system.

As described above, after the harmful site blocking software including the application component or the data block is installed in the card terminal device 100 in the card terminal device 100, or after the installation is completed, the harmful site blocking software is installed on the harmful site. A request is made to insert the IC chip or IC card 170 into which the predetermined card application (or data) to release the blocking function is inserted into the IC interface 140.

When the IC chip or IC card 170 into which the card application (or data) is to be mounted or stored is inserted into the IC interface 140 provided in the card terminal device 100, the card terminal device 100 is connected to the IC. Validation 300 (eg, confidentiality, authentication, integrity, and nonrepudiation guarantee for IC chip or IC card 170) is authenticated to the chip or IC card 170.

If the validity of the IC chip or IC card 170 is authenticated (305), the card terminal device 100 is the chip information from the IC chip or IC card 170 (for example, IC chip or IC card 170). ) Type, platform, etc.) or card issuing institution 175 information (for example, a plurality of card issuing institutions 175, the card issuing institution 175 that needs to obtain access to the IC chip or IC card 170). Server connection information) is read (310), and it is determined whether the card application (or data) can be mounted on the IC chip or IC card 170 by reading the chip information (315).

If it is impossible to mount the card application (or data) on the IC chip or IC card 170 (320), the card terminal device 100 to the IC interface 140 to the IC chip or IC card 170 Request to insert, repeats the process of authenticating the validity of the IC chip or IC card 170 and reading the chip information or the card issuer 175 information.

On the other hand, if the card application (or data) can be mounted on the IC chip or IC card 170 (325), the card terminal device 100 is a predetermined card application ( Or generating access right request information for acquiring the access right required for mounting or storing the data (330), and converting the access right request information through the information of the card issuing authority 175 into the IC chip or the IC card ( 170, and transmits to the card issuing authority 175, and receives the access authorization information from the card issuing authority 175 (335).

If the access right approval information for the IC chip or IC card 170 is not received from the card issuing agency 175 (340) (eg, a card application (or data) to the IC chip or IC card 170). The card terminal device 100 does not perform a process of loading or storing a predetermined card application into the IC chip or the IC card 170.

On the other hand, if the access authority approval information for the IC chip or IC card 170 is received from the card issuing authority 175 (345), the card terminal device 100 is the IC chip or IC card ( The application component or data block list for generating a card application (or data) that can be mounted or stored by the user is extracted and output to the screen output unit 160 (350).

When the application component or data block list is extracted to the screen output unit 160 as described above, the application component or data to generate a card application (or data) from the list through a predetermined key input in the card terminal apparatus 100. Select a block, and input or set predetermined information or data (355), assemble the selected application component or data block as described above, and assign the input or set predetermined information or data to the application component or data block And after processing, generate a card application (or data) to be mounted or stored in the IC chip or IC card 170 through a predetermined compilation process (360).

When a card application (or data) to be mounted or stored in the IC chip or IC card 170 is generated from an application component or a data block as described above, the card terminal device 100 is received from the card issuer 175. The generated card application (or data) is mounted or stored in the IC chip or the IC card 170 through the access right approval information (365).

4 is an exemplary diagram of an embodiment of generating a card application (or data) in the card terminal device 100.

In particular, FIG. 4 is a screen for generating a card application (or data) for releasing the harmful site blocking function of the harmful site blocking software after the harmful site blocking software is installed in the card terminal device 100 as shown in FIG.

Referring to FIG. 4 according to a preferred embodiment of the present invention, the screen includes an application component and an application function (eg, an Internet service provider (ISP) and an Internet service product) for determining the type of Internet service. An application component for releasing harmful site blocking), and a predetermined authentication number is input to a data block for receiving a predetermined authentication number (eg, a password) for authenticating the application function.

When the application component is selected as described above and predetermined information or data to be inserted into the data block is input, a card application (or data) that performs a corresponding function is generated from the application component or data block, and the generated data is generated as described above. The card application (or data) is mounted or stored in the IC chip or IC card 170 in which the card terminal apparatus 100 obtains a predetermined access right.

According to the present invention, a card application specialized for a corresponding merchant in a predetermined IC chip or IC card 170 issued by a specific card issuing agency 175 through a card terminal for mounting a card application (or data) included in the merchant ( Alternatively, by mounting or storing the data), the IC chip or IC card 170 can be utilized as the corresponding IC chip or IC card 170 dedicated to the merchant.

The present invention utilizes a predetermined client terminal equipped with a card acceptance card (CAD) as a card terminal device for mounting a card application (or data), and requires predetermined software (e.g., a predetermined IC chip or IC card 170). Software containing a card application (or data) to be mounted or stored on the IC chip or IC card 170) is installed on the client terminal by an ESD (Electronic Software Delivery) method and / or a CD (Compact Disk) method, By loading or storing a predetermined card application (or data) for driving the software on a predetermined IC chip or IC card 170 issued by a specific card issuing organization 175, the IC chip or IC card 170 May be utilized as a predetermined IC chip or IC card 170 for software.

Claims (2)

From a memory for storing a predetermined application component or data block required for generating an application (or data) to be loaded or stored with a predetermined IC chip or IC card issued by a specific issuer, Or extracting a predetermined application component or data block required to generate data); Generating an application (or data) to be mounted or stored in the IC chip or IC card from the extracted application component or data block; And Mounting or storing the generated application (or data) in the IC chip or IC card. The method of claim 1, Access right to the IC chip or IC card to the issuer in order to obtain the authority required to mount a predetermined application (or data) from the issuer that issued the IC chip or IC card to the IC chip or IC card. Generating and transmitting one request information; And Receiving access authorization information from the issuer; application (or data) processing method further comprises.

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