KR20110049587A - Method, apparatus and mobile communication terminal for managing mobile ic chip credit card - Google Patents

Abstract

PURPOSE: A mobile IC chip credit card management method, a device, and mobile communication terminal are provided to enable a user to easily perform payment by using a plurality of electronic credit cards without enabling a user to possess a special offline credit card. CONSTITUTION: An information receiver(210) receives a new electronic credit card issuing request signal. An electronic credit card standard installation confirmer(220) confirms whether a pre-installed electronic credit card standard exists in a subscriber identification device loaded in a mobile communication terminal corresponding to the new electronic credit card issuing request signal. An available memory capacity confirmer(230) confirms whether a soluble memory capacity of the subscriber identification device is enough or not. A new electronic credit card issuer(240) issues a plurality of new electronic credit card standards.

Description

Mobile IC chip credit card management method, device and mobile communication terminal {Method, Apparatus And Mobile Communication Terminal for Managing Mobile IC Chip Credit Card}

One embodiment of the present invention relates to a mobile IC chip credit card management method, apparatus and mobile communication terminal. More specifically, a plurality of electronic credit card standards can be installed according to the version and capacity of the subscriber identification device mounted in the mobile communication terminal, and the user can set a main payment card that is frequently used, so that the user can separately set off offline credit. The present invention relates to a mobile IC chip credit card management method, an apparatus, and a mobile communication terminal that enable a user to easily make a payment using a plurality of electronic credit cards without having to carry a card.

In recent years, unlike general commerce on off-line, e-commerce using the internet is rapidly increasing due to the convenience of use. As such, when a customer purchases a service or an item on the Internet, he or she directly transfers a payment or uses a credit card.If a user sends money directly, he / she immediately pays for the money and the procedure, and in case of service or goods defects. In order to avoid direct payment methods due to the absence of a third party to arbitrate, in the case of using a credit card, the customer can use the credit card on the Internet because the procedure is simple and the arbitration of a third party credit card is possible in case of a defect. The payment method is preferred.

However, in order to make a payment with a credit card offline, it is always cumbersome to carry a credit card. In order to make a payment online, a credit card number, CVC (Card Verification Code) and password must be entered. There is a hassle.

In order to solve the above problems, an embodiment of the present invention provides a mobile IC chip credit card management method that enables a user to easily make a payment using a plurality of electronic credit cards without having to separately carry an offline credit card. Its main purpose is to provide an apparatus and a mobile communication terminal.

In order to achieve the above object, an embodiment of the present invention, an information receiving unit for receiving a new electronic credit card issuance request signal; An electronic credit card specification installation checking unit which transmits a result of confirming whether an existing electronic credit card standard exists in a subscriber identification device mounted in a mobile communication terminal corresponding to a request signal for issuing a new electronic credit card; An available memory capacity confirming unit for transmitting a result of confirming whether the available memory capacity of the subscriber identification device is sufficient; And a new electronic credit card issuing unit for issuing a plurality of new electronic credit card standards based on whether there is an existing electronic credit card standard and available memory capacity of the subscriber identification device. To provide.

In addition, according to another object of the present invention, the menu screen output unit for outputting the main payment card setting screen by the input environment menu command; An electronic credit card standard output unit for outputting a plurality of electronic credit card standards stored in the mounted subscriber identification device as a list; And a main payment card setting unit for setting a specific electronic credit card selected by a user command as a main payment card.

In addition, according to another object of the present invention, an information step for receiving a new electronic credit card issuance request signal; An electronic credit card specification installation verification step of transmitting a result of confirming whether an electronic credit card standard pre-installed in the subscriber identification device mounted in the mobile communication terminal corresponding to the new electronic credit card issuance request signal exists; Checking available memory capacity for transmitting a result of confirming whether the available memory capacity of the subscriber identification device is sufficient; And a new electronic credit card issuing step of issuing a plurality of new electronic credit card standards based on the result of the verification of the electronic credit card specification installation verification step and the verification result of the available memory capacity verification step. Provides a card management method.

As described above, according to the exemplary embodiment of the present invention, the user can easily make a payment using a plurality of electronic credit cards without having to separately carry an offline credit card.

In addition, according to an embodiment of the present invention, the user may be issued a plurality of electronic credit cards according to the version and capacity of the subscriber identification device, the main payment card of the plurality of credit cards It can be used for credit / check / prepaid card, transportation card, bank, securities, online payment, membership, ticket reservation and ID pass. In addition, according to an embodiment of the present invention, when a user loses an electronic credit card, there is an effect that the card can be changed to a locked state in real time through a card company server.

Hereinafter, some embodiments of the present invention will be described in detail through exemplary drawings. In adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are assigned to the same components as much as possible even though they are shown in different drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

In addition, in describing the component of this invention, terms, such as 1st, 2nd, A, B, (a), (b), can be used. These terms are only for distinguishing the components from other components, and the nature, order or order of the components are not limited by the terms. If a component is described as being "connected", "coupled" or "connected" to another component, that component may be directly connected to or connected to that other component, but there may be another configuration between each component. It is to be understood that the elements may be "connected", "coupled" or "connected".

The single electronic credit card application described in the present invention is an application installed in the subscriber identification device 112 mounted on the mobile communication terminal 110. The single electronic credit card application refers to a program capable of performing electronic payment by recognizing only one electronic credit card standard. . On the other hand, the multi-electronic credit card application is an application installed in the subscriber identification device 112 mounted on the mobile communication terminal 110, recognizes a plurality of electronic credit card standards, one of the plurality of electronic credit card standards It is a program that can make electronic payment by designating card standard as main payment card.

1 is a block diagram schematically showing a mobile IC chip credit card management system according to an embodiment of the present invention.

Electronic credit card management system according to an embodiment of the present invention is a mobile communication terminal 110, subscriber identification device 112, wired and wireless communication network 120, card company server 130, electronic credit card server 140 and the user terminal And 150.

The mobile communication terminal 110 refers to a terminal that performs normal voice call and data communication by wireless communication in conjunction with the wired / wireless communication network 120. In addition, the mobile communication terminal 110 refers to a terminal capable of receiving various web page data via the wired / wireless communication network 120 according to a user's key manipulation, and includes a personal computer (PC), a notebook computer, and a personal portable device. It may be one of a personal digital assistant (PDA) and a mobile communication terminal (PDA), and the like may be connected to the card company server 130 or the electronic credit card server 140 via a wired / wireless communication network 120. Means a terminal having a browser, a memory for storing a program, a microprocessor for executing and controlling the program.

The mobile communication terminal 110 refers to a terminal equipped with the subscriber identification device 112, and may perform electronic payment and RF communication with the affiliated store terminal through tagging of the mounted subscriber identification device 112. That is, the mobile communication terminal 110 may be any terminal as long as the electronic payment and RF communication with the affiliated store terminal is possible through the mounted subscriber identification device 112, and any communication computing such as a notebook computer, a mobile communication terminal, a PDA, etc. It is a broad concept that includes all of the devices. In addition, the mobile communication terminal 110 can be used for credit / check / prepaid card, transportation card, bank, securities, online payment, membership, ticket reservation and ID pass using the mounted subscriber identification device 112.

Subscriber identification device 112 is preferably a SIM or USIM having a memory or a calculation module and stores subscriber identification information, but is not necessarily limited thereto. That is, the subscriber identification device 112 includes an RF tag including at least one or more of unique ID information and subscriber identification information for identifying the RF tag and a memory or a calculation module capable of electronic payment. Any smart card that can be mounted on 110 is possible. Here, the RF tag may be one of a Radio Frequency Intergrated Circuit (RFIC) and a Monolithic Microwave Integrated Circuit (MMIC) including unique ID information for identifying the RF tag, and the prepaid payment cost information charged in the memory may be set in advance. At least one or more of postpaid payment cost information and subscriber identification information may be stored.

The wired / wireless communication network 120 refers to a network capable of transmitting and receiving data using an internet protocol using various wired and wireless communication technologies such as an internet network, an intranet network, a mobile communication network, and a satellite communication network. The wired / wireless communication network 120 is a network connecting the card company server 130 or the electronic credit card server 140 and the mobile communication terminal 110 to be closed such as a local area network (LAN) and a wide area network (WAN). It may be a network type, but it is preferable that it is an open type such as the Internet. The Internet has many services in the TCP / IP protocol and its upper layers: HyperText Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP), and SNMP ( The global open computer network architecture that provides the Simple Network Management Protocol (NFS), Network File Service (NFS), and Network Information Service (NIS). Here, since the technology for the wired and wireless communication network 120 is already known technology, a detailed description thereof will be omitted.

The card company server 130 is a server capable of performing electronic payment, and performs a function of paying the amount corresponding to the payment request signal generated by the subscriber identification device 112 mounted on the mobile communication terminal 110. To issue a credit card.

Electronic credit card server 140 according to an embodiment of the present invention receives a new electronic credit card issuance request signal through the card company server 130, and the corresponding mobile communication terminal according to the new electronic credit card issuance request signal ( It is checked whether there is an electronic credit card standard pre-installed in the subscriber identification device 112 mounted in the 110, and when the check result shows that there is a pre-installed electronic credit card standard, the available memory capacity of the subscriber identification device 112 is increased. Check whether it is sufficient, and if it is confirmed that the capacity of the available memory is sufficient, it performs a function of additionally transmitting a new electronic credit card standard according to the new electronic credit card issuance request signal to the subscriber identification device 112. In addition, the electronic credit card server 140 may query the subscriber identification device 112 with the master key to determine whether the available memory capacity is sufficient. Here, the master key may be an Issuer Security Domain (ISD) key, and serves to perform a load and install function. The master key may be a key for inquiring information of the subscriber identification device 112. Say. In addition, when the subscriber identification device 112 does not have enough available memory capacity of the subscriber identification device 112, the electronic credit card server 140 transmits a non-installation message for the multi-electronic credit card application to the mobile communication terminal 110. After that, the new electronic credit card issuance is terminated. In addition, when there is no electronic credit card standard pre-installed in the subscriber identification device 112, the electronic credit card server 140 checks whether the version of the subscriber identification device 112 supports the multi-electronic credit card application. As a result of the check, when the version of the subscriber identification device supports the multi-electronic credit card application, the subscriber identification device 112 transmits the multi-electronic credit card application and the new electronic credit card standard. Here, the version may be a Universal IC Card (UICC) ID. If the UICC ID is earlier than a preset version, the version does not support the multi-electronic credit card application.

In addition, the electronic credit card server 140 does not have an electronic credit card standard pre-installed in the subscriber identification device 112, the version of the subscriber identification device 112 supports a multi-electronic credit card application, the subscriber identification device 112 If there is a single electronic credit card application installed in advance, it controls to delete the single electronic credit card application and performs a function of transmitting a multi-electronic credit card application and a new electronic credit card standard to the subscriber identification device. In addition, the electronic credit card server 140 does not have an electronic credit card standard pre-installed in the subscriber identification device 112, and if the version of the subscriber identification device 112 does not support the multi-electronic credit card application, the subscriber identification device ( 112) to transmit a single electronic credit card application and a new electronic credit card standard. In addition, the electronic credit card server 140 has a function of transmitting a multi-electronic credit card application and a new electronic credit card standard to the subscriber identification device 112 when there is no electronic credit card standard previously installed in the subscriber identification device 112. To perform. In addition, when the electronic credit card server 140 receives the electronic credit card termination request through the card company server 130, the electronic credit card server 140 transmits a push message for the termination to the corresponding mobile communication terminal 110. Here, the push message is preferably an SMS including a call back URL, but is not necessarily limited thereto.

Meanwhile, in FIG. 1, the card company server 130 and the electronic credit card server 140 are described as being implemented as respective servers. However, these are merely illustrative examples of the technical idea of the present invention. Those skilled in the art to the mobile IC chip credit card management device 160, which is a device integrating the card company server 130 and the electronic credit card server 140 without departing from the essential characteristics of the present invention Implementing and modifying will be possible. That is, the mobile IC chip credit card management device 160 refers to one device integrating the card company server 130 and the electronic credit card server 140.

The user terminal 150 refers to a terminal capable of receiving various web page data via the wired / wireless communication network 120 according to a user's key operation, and includes a personal computer (PC), a notebook computer, and a personal portable information terminal (PC). PDA (Personal Digital Assistant), and the like, a browser for accessing the card company server 130 via the wired / wireless communication network 120, a memory for storing a program, a micro for executing and operating a program. Means a terminal provided with a processor. That is, although the user terminal 150 is generally a personal PC, any terminal can be used if it is connected to the wire / wireless communication network 120 and server-client communication with the card company server 130 is possible. It is a broad concept that encompasses any communication computing device.

2 is a block diagram schematically illustrating an electronic credit card server according to an embodiment of the present invention.

Electronic credit card server 140 according to an embodiment of the present invention is an information receiving unit 210, electronic credit card standard installation confirmation unit 220, available memory capacity confirmation unit 230, new electronic credit card issuing unit 240 ), The new electronic credit card issuance end unit 250 and the subscriber identification device version check unit 260. Meanwhile, in an embodiment of the present invention, the electronic credit card server 140 includes an information receiver 210, an electronic credit card standard installation checker 220, an available memory capacity checker 230, and a new electronic credit card issuer ( 240, the new electronic credit card issuing end 250 and the subscriber identification device version checking unit 260 are described as being configured, but this is merely illustrative of the technical idea of an embodiment of the present invention. For those skilled in the art to which an embodiment of the present invention belongs, various modifications and variations to the components included in the electronic credit card server 140 without departing from the essential characteristics of the embodiment of the present invention. Will be applicable.

The information receiving unit 210 performs a function of receiving a new electronic credit card issuing request signal through the card company server 130. The electronic credit card standard installation checking unit 220 checks whether there is an electronic credit card standard already installed in the subscriber identification device 112 mounted in the corresponding mobile communication terminal 110 according to a new electronic credit card issuance request signal. The function transmits the result to the available memory capacity checker 230. The available memory capacity checker 230 checks whether the available memory capacity of the subscriber identification device 112 is sufficient when there is a pre-installed electronic credit card standard through the electronic credit card standard installation verification unit 220. The new electronic credit card issuing unit 240 performs the function of transmitting.

When the new electronic credit card issuing unit 240 checks the available memory capacity checking unit 230 and the available memory capacity is sufficient, the new electronic credit card according to the new electronic credit card issuing request signal to the subscriber identification device 112. Perform the function to send additional specifications. When the new electronic credit card issuing unit 240 checks through the subscriber identification device version checking unit 260 and the version of the subscriber identification device supports the multi-electronic credit card application, the multi-electronic credit card to the subscriber identification device 112 is determined. It performs the function of transferring applications and new electronic credit card specifications. The new electronic credit card issuing unit 240 does not have an electronic credit card standard pre-installed in the subscriber identification device 112, the version of the subscriber identification device 112 supports a multi-electronic credit card application, the subscriber identification device 112 If there is a single electronic credit card application installed in advance, it controls to delete the single electronic credit card application and performs a function of transmitting the multi-electronic credit card application and the new electronic credit card standard to the subscriber identification device (112). The new electronic credit card issuing unit 240 does not have an electronic credit card standard pre-installed in the subscriber identification device 112, and if the version of the subscriber identification device does not support the multi-electronic credit card application, It performs the function of transmitting single electronic credit card applications and new electronic credit card specifications. The new electronic credit card issuing unit 240 transmits a multi-electronic credit card application and a new electronic credit card standard to the subscriber identification device 112 when there is no electronic credit card standard pre-installed in the subscriber identification device 112. To perform. When the new electronic credit card issuing unit 240 receives the electronic credit card termination request through the information receiving unit 210, the new electronic credit card issuing unit 240 transmits a push message for the termination to the corresponding mobile communication terminal 110.

When the new electronic credit card issuing end 250 checks through the available memory capacity checking unit 230, and the available memory capacity is insufficient, the new electronic credit card issuing end unit 250 transmits an uninstallable message for the multi-electronic credit card application to the mobile communication terminal 110. After that, the new electronic credit card issuance is terminated. If there is no electronic credit card standard installed in the subscriber identification device 112, the subscriber identification device version checking unit 260 determines whether the version of the subscriber identification device 112 supports the multi-electronic credit card application. The new electronic credit card issuing unit 240 performs a function of transmitting. Here, the version may be a Universal IC Card (UICC) ID. For example, the subscriber identification device version checking unit 260 is a version of the subscriber identification device 112 when the UICC ID is earlier than the preset version. It is determined that it does not support multi-electronic credit card applications.

3 is a block diagram schematically illustrating a mobile communication terminal according to an embodiment of the present invention.

The mobile communication terminal 110 according to an embodiment of the present invention includes a menu screen output unit 310, an electronic credit card standard output unit 320, and a main payment card setting unit 330. Meanwhile, in the embodiment of the present invention, the mobile communication terminal 110 includes only the menu screen output unit 310, the electronic credit card standard output unit 320, and the main payment card setting unit 330. However, this is merely illustrative of the technical idea of one embodiment of the present invention, those skilled in the art to which one embodiment of the present invention belongs to a range that does not depart from the essential characteristics of one embodiment of the present invention The mobile communication terminal 110 includes a memory unit, a display unit, a key input unit, a terminal control unit, a microphone, a speaker, and a wireless communication processing unit, and may be variously modified and modified.

The menu screen output unit 310 performs a function of outputting the main payment card setting screen by an environment menu command inputted by a user's operation. The electronic credit card specification output unit 320 performs a function of outputting a plurality of electronic credit card specifications stored in the mounted subscriber identification device 112 as a list. The main payment card setting unit 330 sets a specific electronic credit card selected by the user command as the main payment card.

4 is a flowchart illustrating a new electronic credit card issuing method according to an embodiment of the present invention.

When the user connects to the card company server 130 using the user terminal 150 and applies for issuing a new electronic credit card, the card company server 130 issues a new electronic credit card to the interworking electronic credit card server 140. The new electronic credit card issuance request signal is transmitted, and the electronic credit card server 140 receives the new electronic credit card issuance request signal from the card company server 130 (S410). The electronic credit card server 140 checks whether there is an electronic credit card standard already installed in the subscriber identification device 112 mounted on the mobile communication terminal 110 corresponding to the new electronic credit card issuance request signal (S412). .

As a result of checking in step S412, when there is no electronic credit card standard pre-installed in the subscriber identification device 112, the electronic credit card server 140 is based on the version of the subscriber identification device 112 mounted on the mobile communication terminal 110. It is checked whether it is less than the set version (S414). Here, the version may be a Universal IC Card (UICC) ID. For example, the version may determine whether the UICC ID is less than a preset version.

As a result of checking in step S414, when the version of the subscriber identification device 112 mounted on the mobile communication terminal 110 is less than the preset version, the electronic credit card server 140 determines that the version of the subscriber identification device 112 is multi-electronic credit. It is determined that the card application is not supported, and the master key and available memory capacity of the subscriber identification device 112 mounted in the mobile communication terminal 110 are inquired (S416). The electronic credit card server 140 checks whether the available memory capacity of the subscriber identification device 112 is sufficient through the master key to the subscriber identification device 112 mounted in the mobile communication terminal 110 (S418). As a result of checking in step S418, when the available memory capacity of the subscriber identification device 112 mounted in the mobile communication terminal 110 is sufficient, the electronic credit card server 140 may be configured as a subscriber identification device (mounted in the mobile communication terminal 110). In step S420, the new electronic credit card standard and the single electronic credit card application according to the new electronic credit card issuance request signal are transmitted. The mobile terminal 110 receives a new electronic credit card standard and a single electronic credit card application according to a request signal for issuing a new electronic credit card from the electronic credit card server 140 via the wired / wireless communication network 120 to identify a subscriber installed therein. To the device 112. The electronic credit card server 140 receives a new electronic credit card standard and an installation result signal for a single electronic credit card application according to a new electronic credit card issuance request signal from the mobile communication terminal 110 (S422). End the issuance (S424).

On the other hand, when the verification result of S414, the version of the subscriber identification device 112 mounted on the mobile communication terminal 110 is a preset version or more, the electronic credit card server 140 is a multi-electronic version of the subscriber identification device 112 It is determined that the credit card application is supported, and the master key and available memory capacity of the subscriber identification device 112 mounted in the mobile communication terminal 110 are inquired (S426). The electronic credit card server 140 checks whether the available memory capacity of the subscriber identification device 112 is sufficient through the master key to the subscriber identification device 112 mounted in the mobile communication terminal 110 (S428). As a result of the check in step S428, when the available memory capacity of the subscriber identification device 112 mounted in the mobile communication terminal 110 is sufficient, the electronic credit card server 140 performs the subscriber identification device (mounted in the mobile communication terminal 110). If there is a single electronic credit card application pre-installed in 112, it is controlled to delete the single electronic credit card application (S430). The electronic credit card server 140 transmits the new electronic credit card standard and the multi-electronic credit card application according to the new electronic credit card issuance request signal to the subscriber identification device 112 (S432). The mobile communication terminal 110 receives a new electronic credit card standard and a multi-electronic credit card application according to a request signal for issuing a new electronic credit card from the electronic credit card server 140 via the wired / wireless communication network 120 to identify a subscriber installed therein. To the device 112. The electronic credit card server 140 receives a new electronic credit card standard and an installation result signal for a multi-electronic credit card application according to a new electronic credit card issuance request signal from the mobile communication terminal 110 (S434).

On the other hand, as a result of checking in step S412, if there is an electronic credit card standard pre-installed in the subscriber identification device 112, the electronic credit card server 140 is pre-registered in the subscriber identification device 112 mounted on the mobile communication terminal 110; Check whether the installed application is a single electronic credit card application (S436). As a result of checking in step S436, when the application previously installed in the subscriber identification device 112 mounted in the mobile communication terminal 110 is not a single electronic credit card application, the electronic credit card server 140 is connected to the mobile communication terminal 110. It is determined that the application installed in the mounted subscriber identification device 112 is a multi-electronic credit card application, and the master key and the available memory capacity of the subscriber identification device 112 mounted in the mobile communication terminal 110 are inquired (S438). ). The electronic credit card server 140 checks whether the available memory capacity of the subscriber identification device 112 is sufficient through the master key to the subscriber identification device 112 mounted in the mobile communication terminal 110 (S440). As a result of checking in step S440, when the available memory capacity of the subscriber identification device 112 mounted in the mobile communication terminal 110 is sufficient, the electronic credit card server 140 may be configured as a subscriber identification device (mounted in the mobile communication terminal 110). In step S442, a new electronic credit card standard is transmitted according to a new electronic credit card issuance request signal. The mobile communication terminal 110 receives a new electronic credit card standard according to a request signal for issuing a new electronic credit card from the electronic credit card server 140 via the wired / wireless communication network 120 to the mounted subscriber identification device 112. Install additionally on the installed multi-electronic credit card application. The electronic credit card server 140 receives an installation result signal for a new electronic credit card standard according to a new electronic credit card issuance request signal from the mobile communication terminal 110 (S444).

On the other hand, if the electronic credit card standard pre-installed in the subscriber identification device 112 mounted on the mobile communication terminal 110, as a result of the check in step 436, if the pre-installed application has a single electronic credit card application, multi-electronic credit After issuing the message that the installation is not possible for the card application to the mobile communication terminal issuing a new electronic credit card (S446).

In FIG. 4, the electronic credit card server 140 sequentially executes steps S410 to S446. However, this is merely illustrative of the technical idea of an embodiment of the present invention. Those skilled in the art may execute the electronic credit card server 140 by changing the order described in FIG. 4 or at least one of steps S410 to S446 without departing from the essential characteristics of one embodiment of the present invention. Since various modifications and variations may be applicable to the execution of the steps in parallel, FIG. 4 is not limited to the time series order.

As described above, the novel electronic credit card issuing method according to an embodiment of the present invention described in FIG. 4 may be implemented in a program and recorded in a computer-readable recording medium. A computer readable recording medium having recorded thereon a program for implementing a new electronic credit card issuing method according to an embodiment of the present invention includes all kinds of recording devices for storing data that can be read by a computer system. Examples of such computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, etc., and also implemented in the form of a carrier wave (e.g., transmission over the Internet) . The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. In addition, functional programs, code, and code segments for implementing an embodiment of the present invention may be easily inferred by programmers skilled in the art to which an embodiment of the present invention belongs.

5 is a flowchart illustrating a main payment credit card selection method according to an embodiment of the present invention.

The mobile communication terminal 110 stores a multi-electronic credit card application in the mounted subscriber identification device 112, and a plurality of electronic credit card standards received from the electronic credit card server 140 are installed. When there is an environment menu command inputted by a user's operation while the multi-electronic credit card application is driven, the mobile communication terminal 110 outputs the main payment card setting screen by the environment menu command (S510). The mobile communication terminal 110 outputs a plurality of electronic credit card specifications stored in the subscriber identification device 112 mounted on the main payment card setting screen as a list (S520). The mobile communication terminal 110 sets a specific electronic credit card selected from the list output by the user command as the main payment card (S530).

In FIG. 5, the mobile communication terminal 110 sequentially executes steps S510 to S530. However, this is merely illustrative of the technical idea of an embodiment of the present invention and includes an embodiment of the present invention. Those skilled in the art may execute the mobile communication terminal 110 by changing the order described in FIG. 5 or performing one or more of steps S510 to S530 without departing from the essential characteristics of one embodiment of the present invention. Since it will be applicable to various modifications and variations by executing in parallel, Figure 5 is not limited to the time series order.

As described above, the main payment credit card selection method according to an embodiment of the present invention described in FIG. 5 may be implemented in a program and recorded in a computer-readable recording medium. A computer-readable recording medium having recorded thereon a program for implementing a main payment credit card selection method according to an embodiment of the present invention includes all kinds of recording devices storing data that can be read by a computer system. Examples of such computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, etc., and also implemented in the form of a carrier wave (e.g., transmission over the Internet) . The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. In addition, functional programs, code, and code segments for implementing an embodiment of the present invention may be easily inferred by programmers skilled in the art to which an embodiment of the present invention belongs.

6 is a flowchart illustrating a method of canceling an electronic credit card according to an embodiment of the present invention.

When the user accesses the card company server 130 using the user terminal 150 and requests the electronic credit card cancellation, the card company server 130 is connected to the electronic credit card server 140 to terminate the electronic credit card. The termination signal is transmitted, and the electronic credit card server 140 receives the termination signal from the card company server 130 (S610). The electronic credit card server 140 transmits a push message for canceling the electronic credit card to the mobile communication terminal 110 corresponding to the termination signal (S620). Here, the push message may be an SMS including a call back URL. When the mobile terminal 110 receives the push message for the electronic credit card termination, the mobile communication terminal 110 changes the pre-installed multi-electronic credit card application to the locked state (S630).

In FIG. 6, the electronic credit card server 140 sequentially executes steps S610 to S630. However, this is merely illustrative of the technical idea of an embodiment of the present invention. Those skilled in the art may execute the electronic credit card server 140 by changing the order described in FIG. 6 or in one or more of steps S610 to S630 without departing from the essential characteristics of one embodiment of the present invention. Since the steps may be variously modified and modified to be executed in parallel, FIG. 6 is not limited to the time series order.

As described above, the electronic credit card canceling method according to an embodiment of the present invention described in FIG. 6 may be implemented in a program and recorded in a computer-readable recording medium. A computer readable recording medium having recorded thereon a program for implementing an electronic credit card cancellation method according to an embodiment of the present invention includes all kinds of recording devices storing data that can be read by a computer system. Examples of such computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and are implemented in the form of a carrier wave (for example, transmission over the Internet). It includes being. The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. In addition, functional programs, code, and code segments for implementing an embodiment of the present invention may be easily inferred by programmers skilled in the art to which an embodiment of the present invention belongs.

Figure 7 is an illustration of a new electronic credit card issuance according to an embodiment of the present invention.

As illustrated in FIG. 7, the electronic credit card server 140 for issuing a new electronic credit card may include a mobile card server, an application management server, a subscriber identity device management server, a terminal management server, and a download server.

As shown in FIG. 7, when a user connects to a card company server 130 using a user terminal 150 and applies for a new electronic credit card issuance from a card company web site provided by the card company server 130, the card company server ( 130 transmits a new electronic credit card issuance request signal for issuing a new electronic credit card to the mobile card server of the electronic credit card server 140 to interwork, and the mobile card server sends a new electronic credit card issuance request signal to the application management server. The subscriber identity device management server checks whether the available memory capacity of the subscriber identification device 112 mounted in the mobile communication terminal 110 is sufficient, and as a result of the check, the available memory capacity of the subscriber identification device 112 is determined. In this case, it is transmitted to the application management server whether the multi-credit card application can be installed. The application management server may transfer the multi-electronic credit card application to the subscriber identification device 112 mounted in the mobile communication terminal 110 using the download server.

In addition, the application management server may transmit a signal indicating that the card is ready for issuance to the mobile card server, the mobile card server may request the push message transmission to the terminal management server. The terminal management server transmits a push message for transmitting a new electronic credit card standard and a multi-electronic credit card application according to a new electronic credit card issuance request signal to the mobile communication terminal 110. Here, the push message may be an SMS including a call back URL.

The mobile communication terminal 110 may access the electronic credit card server 140 corresponding to the URL according to the push message, and download or update the multi-electronic credit card application from the electronic credit card server 140.

The mobile communication terminal 110 may download and update a multi-electronic credit card application from the electronic credit card server 140 and then receive a newly issued new electronic credit card standard and install it on the multi-electronic credit card application. That is, the mobile communication terminal 110 installs a multi-electronic credit card application in the mounted subscriber identification device 112 and can store a plurality of electronic credit card standards in the multi-electronic credit card application. For example, as shown in FIG. 7, the subscriber identification device 112 may store a multi-electronic credit card application, a first electronic credit card standard, and a second electronic credit card standard. Meanwhile, a user may additionally issue a new electronic credit card by running a multi-electronic credit card application.

8 is an exemplary diagram for selecting a primary payment credit card according to an embodiment of the present invention.

The mobile communication terminal 110 stores a multi-electronic credit card application in the mounted subscriber identification device 112, and a plurality of electronic credit card standards received from the electronic credit card server 140 are installed.

As shown in FIG. 8, when the mobile communication terminal 110 does not have a touch screen, the mobile communication terminal 110 outputs a 'environmental setting' menu while the multi-electronic credit card application is driven. If the user selects the 'Preferences' menu, the menu outputs the 'Main payment card settings' menu. When the user selects a menu of 'primary payment card setting', the mobile communication terminal 110 stores a plurality of electronic credits stored in the subscriber identification device 112 mounted with the comment 'Please select a primary payment card for use in mobile'. As shown in FIG. 8, when the user selects 'A card' as the main payment card, as shown in FIG. 8, the setting is confirmed with the comment 'Do you want to set A card as the main payment card?' If the user confirms this, the credit card standard corresponding to 'A card' among the plurality of electronic credit card standards stored in the subscriber identification device 112 together with the statement 'A card has been set as the main payment card' is used as the main payment card. Set it.

Meanwhile, as shown in FIG. 8, in the case where the mobile communication terminal 110 is equipped with a touch screen, the mobile communication terminal 110 outputs a 'environmental setting' menu while the multi-electronic credit card application is driven. If the user selects the 'Preferences' menu through the Turkish screen, the menu is displayed as 'Main Payment Card Settings'. When the user selects a menu of 'primary payment card setting' through the Turkish screen, the mobile terminal 110 is stored in the subscriber identification device 112 mounted with the comment 'Please select a primary payment card to use in the mobile'. When a plurality of electronic credit card specifications are output in a list and the user selects 'A card' as the main payment card through the Turkish screen, 'Do you want to set A card as the main payment card?' Of the plurality of electronic credit card standards stored in the subscriber identification device 112 together with the comment “A card has been set as the main payment card” when the user confirms it via the Turkish screen. Set the credit card standard corresponding to 'as the main payment card.

That is, as shown in FIG. 8, the mobile communication terminal 110 may provide an interface for setting a main payment card to the user according to the standards and specifications supported by the terminal.

9 is an exemplary view of the termination of the electronic credit card according to an embodiment of the present invention.

As shown in FIG. 9, the electronic credit card server 140 for electronic credit card termination may include a mobile card server, an application management server, a subscriber identity device management server, a terminal management server, and a download server.

As shown in FIG. 9, when a user connects to the card company server 130 using the user terminal 150 and applies for electronic credit card termination from the card company web site provided by the card company server 130, the card company server 130 ) Transmits a termination signal for canceling the electronic credit card to the mobile card server of the electronic credit card server 140. For example, the user may request to cancel the 'A card' by accessing the 'A card company' to apply for the electronic credit card termination of the 'A card'.

The mobile card server requests the terminal management server to transmit the push message for the termination of the electronic credit card for the 'A card'. The terminal management server transmits a push message to the mobile communication terminal 110 corresponding to the termination signal. Here, the push message may be an SMS including a call back URL. When the mobile communication terminal 110 receives a push message for electronic credit card termination, the mobile communication terminal 110 connects to the electronic credit card server 140 corresponding to the URL according to the push message, and the electronic credit card server 140. Receive the credit card information for the 'A card' to be canceled, and change the electronic credit card standard (A card) to the locked state. Meanwhile, the mobile communication terminal 110 may change the pre-installed multi-electronic credit card application itself to the locked state according to the push message.

That is, when the user loses the mobile communication terminal 110 as shown in FIG. 9, when the user connects to a specific card company server and requests the cancellation of the corresponding card, the electronic credit card server 140 sends a push message. The card can then be locked.

In the above description, all elements constituting the embodiments of the present invention are described as being combined or operating in combination, but the present invention is not necessarily limited to the embodiments. In other words, within the scope of the present invention, all of the components may be selectively operated in combination with one or more. In addition, although all of the components may be implemented in one independent hardware, each or all of the components may be selectively combined to perform some or all functions combined in one or a plurality of hardware. It may be implemented as a computer program having a. Codes and code segments constituting the computer program may be easily inferred by those skilled in the art. Such a computer program may be stored in a computer readable storage medium and read and executed by a computer, thereby implementing embodiments of the present invention. The storage medium of the computer program may include a magnetic recording medium, an optical recording medium, a carrier wave medium, and the like.

In addition, the terms "comprise", "comprise" or "having" described above mean that the corresponding component may be included, unless otherwise stated, and thus excludes other components. It should be construed that it may further include other components instead. All terms, including technical and scientific terms, have the same meanings as commonly understood by one of ordinary skill in the art unless otherwise defined. Terms commonly used, such as terms defined in a dictionary, should be interpreted to coincide with the contextual meaning of the related art, and shall not be construed in an ideal or excessively formal sense unless explicitly defined in the present invention.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

As described above, the present invention is applicable to various fields in which a user can easily make a payment using a plurality of electronic credit cards without having to separately carry an offline credit card. According to the version and capacity of the device is a useful invention that generates the effect of issuing / using / canceling a plurality of electronic credit cards.

1 is a block diagram schematically showing a mobile IC chip credit card management system according to an embodiment of the present invention;

2 is a block diagram schematically illustrating an electronic credit card server according to an embodiment of the present invention;

3 is a block diagram schematically illustrating a mobile communication terminal according to an embodiment of the present invention;

4 is a flowchart illustrating a new electronic credit card issuing method according to an embodiment of the present invention;

5 is a flowchart illustrating a main payment credit card selection method according to an embodiment of the present invention;

6 is a flowchart illustrating a method for canceling an electronic credit card according to an embodiment of the present invention;

7 is an exemplary diagram for issuing a new electronic credit card according to an embodiment of the present invention;

8 is an exemplary diagram for selecting a primary payment credit card according to an embodiment of the present invention;

9 is an exemplary view of the termination of the electronic credit card according to an embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

110: mobile communication terminal 112: subscriber identification device

120: wired and wireless communication network 130: card company server

140: electronic credit card server 150: user terminal

210: information receiving unit 220: electronic credit card standard installation confirmation unit

230: virtual memory capacity check unit 240: new electronic credit card issuing unit

250: new electronic credit card issuance end

260: subscriber identification device version check unit 310: menu screen output unit

320: electronic credit card standard output unit 330: main payment card setting unit

Claims (12)

An information receiver configured to receive a request signal for issuing a new electronic credit card; An electronic credit card specification installation confirming unit which transmits a result of confirming whether an existing electronic credit card standard exists in the subscriber identification device mounted in the mobile communication terminal corresponding to the new electronic credit card issuing request signal; An available memory capacity confirmation unit which transmits a result of confirming whether the available memory capacity of the subscriber identification device is sufficient; And A new electronic credit card issuing unit for issuing a plurality of new electronic credit card standards based on the existence of the pre-installed electronic credit card standard and the available memory capacity of the subscriber identification device. Mobile IC chip credit card management device comprising a. The method of claim 1, The available memory capacity checking unit transmits a result of confirming whether the available memory capacity of the subscriber identification device is sufficient, if the pre-installed electronic credit card standard exists. The new electronic credit card issuing unit further transmits the new electronic credit card standard according to the new electronic credit card issuing request signal to the subscriber identification device when the capacity of the available memory is sufficient. Card management unit. The method of claim 2, The available memory capacity confirmation unit, And inquiring a master key from the subscriber identification device to determine whether the available memory capacity is sufficient. The method of claim 2, When the available memory capacity is insufficient, the new electronic credit card issuing end for terminating the issuance of the new electronic credit card after transmitting a message not to install the multi-electronic credit card application to the mobile communication terminal Mobile IC chip credit card management device characterized in that it further comprises. The method of claim 1, If the subscriber identification device does not have the pre-installed electronic credit card standard, subscriber identification device version confirmation unit for transmitting a result of confirming whether the version of the subscriber identification device supports a multi-electronic credit card application In addition, the new electronic credit card issuing unit, if the version of the subscriber identification device supports the multi-electronic credit card application, the multi-electronic credit card application and the new electronic credit card standard to the subscriber identification device Mobile IC chip credit card management device, characterized in that for transmitting. The method of claim 5, The new electronic credit card issuing unit, If there is no electronic credit card standard pre-installed in the subscriber identification device, and the version of the subscriber identification device supports a multi-electronic credit card application, but there is a single electronic credit card application pre-installed in the subscriber identification device, the single electronic credit And transmitting the multi-electronic credit card application and the new electronic credit card standard to the subscriber identification device after controlling to delete the card application. The method of claim 5, The new electronic credit card issuing unit, If the subscriber identification device does not have the pre-installed electronic credit card standard, and the version of the subscriber identification device does not support a multi-electronic credit card application, the subscriber identification device has a single electronic credit card application and the new electronic credit card standard. Mobile IC chip credit card management device, characterized in that for transmitting. The method of claim 5, The version is a mobile IC chip credit card management device, characterized in that the UICC (Universal IC Card) ID. The method of claim 1, The new electronic credit card issuing unit, Mobile IC chip credit card management device, characterized in that for transmitting the multi-electronic credit card application and the new electronic credit card standard to the subscriber identification device, if the subscriber identification device does not have the pre-installed electronic credit card standard. The method of claim 1, The new electronic credit card issuing unit, Receiving an electronic credit card cancellation request through the information receiving unit, Mobile IC chip credit card management device, characterized in that for transmitting a push message for the termination to the mobile communication terminal. A menu screen output unit configured to output a main payment card setting screen by an input environment menu command; An electronic credit card standard output unit for outputting a plurality of electronic credit card standards stored in the mounted subscriber identification device as a list; And Primary payment card setting unit for setting a specific electronic credit card selected by a user command as the primary payment card Mobile communication terminal comprising a. An information step of receiving a new electronic credit card issuing request signal; An electronic credit card specification installation verification step of transmitting a result of confirming whether an existing electronic credit card standard exists in the subscriber identification device mounted in the mobile communication terminal corresponding to the new electronic credit card issuance request signal; An available memory capacity checking step of transmitting a result of checking whether the available memory capacity of the subscriber identification device is sufficient; And Issuing a new electronic credit card issuing a plurality of new electronic credit card standards based on the confirmation result of the electronic credit card standard installation confirmation step and the confirmation result of the available memory capacity confirmation step Mobile IC chip credit card management method comprising the.

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