KR20150140132A - Method and system for providing additional service using credit card including nfc - Google Patents

Abstract

The present invention is to provide a technique for providing an effect of maximizing an additional service providing range using a mobile terminal and a credit card with an effect of protecting personal information. A method for providing an additional service using a credit card including NFC according to an embodiment of the present invention comprises the steps of: receiving, by a mobile terminal having an NFC transmission and reception module, first data including identification information of an NFC tag from the NFC tag mounted on a credit card; transmitting, by the mobile terminal, the first data and second data including identification information of the mobile terminal to a mobile carrier server in which the mobile terminal is registered; determining, by the mobile carrier server, whether a user of the mobile terminal is a valid member of a card company which issues a credit card and a valid member of a mobile carrier providing a mobile service to the mobile terminal by using the received first data and second data; and providing, by the mobile carrier server, an additional service related to the use of the mobile terminal and the credit card when it is determined that the user of the mobile terminal is a valid member of the card company and the mobile carrier.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for providing an additional service using a credit card including NFC,

The present invention relates to a technology for providing services to a customer using NFC technology. More particularly, the present invention relates to a technology for providing a service to a customer by loading NFC on a credit card, which is a new medium, using a mobile communication terminal, a credit card, And to provide a customer-friendly service while minimizing the cost.

2. Description of the Related Art In recent years, with the improvement of performance of mobile terminals and the provision of various online marketing services, there have been increasing instances of providing services using functions of portable terminals. Particularly, as the provision of services using the local area communication technology of mobile terminals is increasing, researches on sales techniques for making use of services using local area communication technology of mobile terminals and generating profits are continuing.

On the other hand, among short-range communication technologies, RFID technology as a radio tag technology is used in various fields ranging from simple data transmission / reception to content transmission / reception technology due to high accuracy of low power and short distance communication. Among wireless tag technologies, a near field communication (NFC) communication method has recently attracted attention as a communication technology for exchanging wireless data in a short distance of 10 cm or less.

NFC is one of the above-mentioned radio tag technologies, and is a contactless communication technology using a frequency band of 13.56 MHz. The communication distance is short and the security is excellent and the cost for establishing the communication is low. Since reading and writing of data can be used, a dongle (reader) for using RFID is not required, and it is not required to set between devices like Bluetooth, and it is attracting attention as a next generation communication technology.

However, in the conventional data transmission / reception technology using NFC, in order to use the functions of the credit card function and the traffic card stored in the portable terminal when using the NFC module mounted on the portable terminal, Only the technique of accessing the NFC module of the terminal and making payment is commercialized and used. That is, although the NFC module of the portable terminal includes a function of receiving data as described above, conventionally, only the function of transmitting data when requesting data from the terminal is used.

Even when the portable terminal is used as a data reader, the data receiving function of the NFC module of the portable terminal simply receives text, images, and multimedia contents from the portable terminal and outputs the contents through the portable terminal Technology.

On the other hand, the portable terminal is used by being affiliated with a certain communication company, and in the case of a credit card, a usage environment is established in a form using a card registered in a credit card company. Generally, a credit card company stores a user's credit card number and other personal information. When a communication company and a credit card company transmit / receive data to / from each other, the user's credit card number and other personal information are prohibited from being leaked.

 Accordingly, it is pointed out that the communication company can not utilize the credit card subscription information of the user, and even if there is a partnership between the communication company and the credit card company, the security of personal information becomes weak due to mutual exchange of personal information.

Accordingly, the present invention provides a variety of benefits to users through mutual cooperation without transmitting and receiving personal information between a communication company and a card company by using a data transmission / reception function of an NFC module mounted in a portable terminal, And to provide a technique capable of maximizing the range of providing an additional service using a mobile terminal and a credit card.

According to an aspect of the present invention, there is provided a method for providing an additional service using a credit card including an NFC according to an embodiment of the present invention is a method for providing an additional service using an NFC Receiving first data including identification information of the NFC tag; Transmitting, by the portable terminal, the first data and the second data including the identification information of the portable terminal to a communication company server to which the portable terminal is subscribed; Using the first data and the second data to determine whether the user of the mobile terminal is a valid member of a credit card company and a communication company that issued the credit card; And providing the additional service related to the use of the portable terminal and the credit card when the communication company server determines that the user of the portable terminal is a valid member of the card company and the communication company .

According to an embodiment of the present invention, there is provided a system for providing an additional service using a credit card including an NFC, including: a credit card on which an NFC tag is mounted; Receiving an NFC tag mounted on the credit card, the first data including the identification information of the NFC tag, and transmitting the first data and the second data including the telephone number information A portable terminal for transmitting to a communication company server; And determining whether a user of the portable terminal is a valid member of a card company and a communication company that issued the credit card using the received first data and the second data, And a communication server for providing additional services related to the use of the portable terminal and the credit card when it is determined that the portable terminal is a valid member of the portable terminal.

According to the above embodiments of the present invention, it is possible to provide a credit card company that issued a credit card by a user using only the tag identification information (NFC code information) collected through an NFC tag mounted on a credit card, It is possible to provide various additional services to users who are subscribed to the two companies in accordance with the partnership between the card company and the communication company, There is an effect that an additional service can be provided.

In addition, as the area of additional services that can be provided without leakage of personal information is greatly expanded, the utilization rate of credit cards and communication services of users can be increased, and the effect of profit generation by a new business method can be expected.

1 and 2 are flowcharts of a method of providing an additional service using a credit card including an NFC according to an embodiment of the present invention.
3 and 4 are a block diagram and a functional block diagram of a system for providing an additional service using a credit card including an NFC according to an embodiment of the present invention.
5 is a view for explaining a technical feature of determining whether a card company and a communication company are members according to an embodiment of the present invention.
6 to 8 are examples of service providing screens that can be displayed on a mobile terminal according to an embodiment of the present invention.

Hereinafter, a method and system for providing an additional service using a credit card including an NFC according to an embodiment of the present invention will be described with reference to the accompanying drawings.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. The following examples are intended to illustrate the present invention and should not be construed as limiting the scope of the present invention. Accordingly, equivalent inventions performing the same functions as the present invention are also within the scope of the present invention.

In the following description, the same reference numerals denote the same components, and unnecessary redundant explanations and descriptions of known technologies will be omitted.

In the embodiments of the present invention, " communication ", " communication network ", and " network " The three terms refer to wired and wireless local area and wide area data transmission and reception networks capable of transmitting and receiving a file between a user terminal, a terminal of another user, and a download server.

In the following description, " server " means a server computer that determines whether to classify a message as spam. In the case of a service having a small capacity or a small number of processing data, a plurality of services can be operated on one server. Also, in the case of a service having a very large capacity or a large amount of messages that need to be determined as spam in real time, there may be one or more servers for operating one service according to the function of the service.

In addition, middleware for the database and servers performing settlement processing may be connected to the server, but a description thereof will be omitted in the present invention.

Further, the description of each embodiment of the present invention, which overlaps with the description of the background art, will be omitted.

1 and 2 are flowcharts of a method of providing an additional service using a credit card including an NFC according to an embodiment of the present invention.

Referring to FIG. 1, in a method of providing an additional service using a credit card including an NFC according to an embodiment of the present invention, a mobile terminal reads out, from an NFC tag mounted on a credit card, 1 data is received (S10).

In the present invention, the portable terminal includes all terminals capable of carrying a user with a mobile communication function. For example, a mobile phone, a smart phone, a smart pad, and the like may be included in the portable terminal, but the present invention is not limited thereto.

In order to perform the functions of the present invention, the portable terminal includes an NFC module as a means capable of NFC communication. As described above, the NFC module is capable of transmitting / receiving data with other processing means of the portable terminal, and performs data transmission / reception with other devices capable of transmitting / receiving data through the NFC method such as an NFC tag.

Meanwhile, the NFC tag in the present invention means a kind of chip mounted on a credit card. In the NFC tag, various data can be stored. For example, identification information (e.g., code information) of an NFC tag to be described below may be included, and trigger data that a specific URL or an application can be executed in the portable terminal may be included.

The portable terminal can be located in a range in which NFC communication with the credit card is possible for performing step S10, and receives the first data from the NFC tag mounted on the credit card by the NFC method.

When step S10 is performed, the portable terminal performs step S20 of transmitting the second data including the identification information of the portable terminal to the communication company server to which the portable terminal is subscribed, together with the received first data.

In step S20, the communication company server means the management server of the communication company to which the account of the portable terminal is subscribed. That is, when a user of a network communication network in which data is transmitted and received when a user uses a communication service (telephone, message, data communication) using a portable terminal is a communication company, and a server provided for providing a customer management and communication service in the communication company is a communication company Server.

The second data is identification information of the portable terminal, which means data including all the information that enables the communication company server to identify the portable terminal and determine whether or not the portable terminal is a member using its communication network.

For example, the second data may include a telephone number, identification information used when the portable terminal performs the telephone communication, user information of the portable terminal, and the like. In the following description, the second data will be described by the telephone number information of the cellular phone, but the attribute information of the second data will not be limited thereto.

When the step S20 is performed, the communication server, which has received the first data and the second data from the mobile terminal, uses the first data and the second data to transmit the credit card issued by the user of the mobile terminal, (S30) of determining whether the member is a member.

The key technical feature of the present invention is that the first data and the second data, that is, the data of the communication company and the NFC, are transmitted without using the credit card information and the personal information stored in the card company, And to identify using only the information stored in the tag.

Particularly, FIG. 2 shows a flow of a concrete embodiment for judging whether or not the card company is a member.

Referring to FIG. 2, the communication company server is information provided to a credit card company, and is information previously stored in a communication company server. The information is stored in a plurality of credit cards (including the credit card mentioned in the step S10 in the present invention) When the NFC tag is implemented, the code information of the NFC tags provided to the card company server is compared with the code information included in the first data received from the portable terminal (S31).

Thereafter, when the code information included in the first data matches the code information of the provided NFC tag, the communication company server determines that the user of the portable terminal that transmitted the received first data is a valid member of the card company (Step S32).

Conventionally, in providing a service by cooperation between a communication company and a card company, in order to determine whether a user who uses a card associated with a communication company is a user subscribed to the communication company or a subscriber to a card company, I had to extract and confirm.

In order to do this, the communication company and the card company must transmit and receive personal information requiring security such as card information and mobile phone information. In particular, in order to provide the service through the mobile terminal, the corresponding information has to be shared with the terminal.

In this case, the hacking for the dedicated line and the terminal used for data transmission / reception is relatively more likely to be successful than the hacking for the communication company and the card company server, and personal information can easily be leaked.

However, according to the present invention, the information for judging whether or not the card company is effectively subscribed uses the NFC communication method which can be performed only by the short distance communication, and at the same time, the code information which is the identification information of the NFC tag mounted on the credit card It is not necessary to use information such as a credit card number that requires security, so that the security against leakage of personal information is greatly improved.

Since the NFC code information is fixedly provided to the credit card company by the carrier and is provided completely independent of the credit card information, the user who is effectively subscribed to the credit card company issuing the credit card to provide the specific service And information that is completely different from personal information that requires security, such as credit card number information that should be used to determine whether a user is a subscriber. Therefore, it has a great effect for improving the security.

Referring back to FIG. 1, when the step S30 is performed, if the communication company server determines that the user of the portable terminal is a valid member of the card company and the communication company, the supplementary service related to the use of the portable terminal and the credit card S40).

In the present invention, the additional service provided in the step S40 means a service related to various benefits that a user can receive when using a portable terminal and a credit card.

Conventionally, in order to provide a service according to the cooperation of a credit card and a communication company, only a very limited service is provided for protection of the above-mentioned personal information, or only a service that can not be used in a portable terminal is provided. In addition, in order to provide a very wide variety of services, the possibility of leakage of the above-mentioned personal information is very high because the credit card information or the like has to be used by the terminal to accurately determine whether the user is a member of a credit card company or a communication company.

However, according to the present invention, as described above, it is possible to judge whether or not the card company and the communication company are registered as valid members by using only the identification information of the NFC tag included in the NFC tag through data transmission / Various additional services can be freely provided in the terminal.

Accordingly, there is a wide variety of services that can be used for credit cards and portable terminals through the mobile terminal. Accordingly, there is a promoting effect of greatly increasing the number of memberships of credit card companies and communication companies, It has the effect of practicing the profit generation model.

An example of the additional service provided in the step of providing the additional service in the present invention may be as follows.

First, if it is determined that the user of the portable terminal is a valid member of the card company, the discount service can be provided for the use fee of the portable terminal to be paid when using the portable terminal through the communication company. At this time, of course, you can provide additional discounts when you pay with the credit card, or you can offer a discount only when you pay with your credit card.

On the other hand, in order to use the additional service, when the portable terminal receives the first data valid from the NFC tag and it is determined that the user of the portable terminal is a valid member of the card company and the communication company, And a first application that is provided only when the mobile terminal is a valid member of a communication company.

In this case, the first application may be an application including a customer management service of the corresponding communication company, for example. The customer management service includes a service provided by a user for use by a communication company. An application that can utilize all the services provided to the member in the communication company such as communication charge inquiry, supplementary service inquiry, charge plan, and service subscription decision can be included in the above application.

At this time, the service that can be provided in step S40 may be a service for providing coupons for purchasing a gift certificate available for use at an online shopping mall affiliated with a card company or a communication company at a discounted price, when the first application is executed.

Alternatively, when using a card company or an online shopping mall associated with a communication company through the portable terminal, a discount service for a purchase price to be paid through the online shopping mall may be provided.

On the other hand, when a payment process for using a predetermined service is performed through a mobile terminal as well as an online shopping mall, when a credit card registered in the payment processor is used, a discount service for the amount to be paid through the payment processor can be provided .

The above-mentioned payment process is a process of paying for using a service, and includes a payment process generally used in a portable terminal. Also, it should be understood that the service to be settled includes all services such as an article sales service according to the use of the online shopping mall, and a content providing service available in other mobile terminals.

In addition to the services provided above, it will be appreciated that all services for use of credit cards and mobile terminals may be included in supplementary services provided.

3 and 4 are a configuration and a functional block diagram of an additional service providing system using a credit card including an NFC according to an embodiment of the present invention. In the following description, the parts overlapping with the description of FIG. 1 and FIG. 2 and the parts overlapping with those of FIGS. 1 and 2 corresponding to the functions performed by the configurations of FIGS. 3 and 4 are omitted .

3, the system for providing an additional service using a credit card including an NFC according to an embodiment of the present invention includes a credit card 10 with an NFC tag 11, a portable terminal 20, (30), but it is to be understood that an additional configuration may be included or a part of the configuration may be omitted depending on each function.

1 and 2, the credit card 10 refers to all the cards issued by a credit card company and used for credit transactions. In order to perform the functions of the present invention, Quot; card "

The portable terminal 20 is a terminal that is contracted with all mobile communication terminals equipped with an NFC transmission / reception module, that is, a communication company, and can use a data transmission / reception function including a telephone conversation. The portable terminal 20 receives the above-mentioned first data from the NFC tag 11 mounted on the credit card 10 and transmits the first data and the above-mentioned second data to the communication company server 30 Function.

The communication company server 30 has the same configuration as the communication company server mentioned in FIGS. After receiving the first data and the second data from the portable terminal 20, the communication company server 30 determines whether the user of the portable terminal 20 is a valid member of the card company and the communication company using the received data, The portable terminal 20 and the credit card 10 are provided.

It is to be understood that the additional service provided by the communication company server 30 includes all the services mentioned in the description of FIG. 1 and FIG. Also, the flow of the communication company server 30 determining whether the user of the portable terminal 20 is a valid member of the communication company and the card company using the first data and the second data is also described in the description of FIGS. 1 and 2 same.

In particular, a functional flow diagram of an additional service providing system using a credit card 10 including an NFC according to an embodiment of the present invention is shown in FIG.

4, the data transmitted from the credit card 10 to the portable terminal 20 is transmitted to the NFC tag 11, that is, the code information 41 stored in the NFC tag 11 mounted on the credit card 10, . The information transmitted from the portable terminal 20 to the communication company server 30 includes the above code information 41 and the cellular phone information 42 as second data.

That is, when judging whether or not the user uses the credit card in the communication company server 30, the credit card information from the credit card 10 and the personal information 43 not stored in the communication company server 30 are not transmitted, As a result, the above-mentioned personal information security improvement and service diversification effects can be expected.

5 is a view for explaining a technical feature of determining whether a card company and a communication company are members according to an embodiment of the present invention.

Referring to FIG. 5, the NFC tag is mounted on a credit card when a specific credit card company is affiliated with the communication company server. In the communication company server, only the identification information 100 of the NFC tag mounted on the credit card issued by the specific credit card company is stored .

At this time, the specific code 101 among the identification information of the NFC tag is a code commonly included in the NFC tags issued in association with the specific credit card company. Accordingly, when there is the same code 111 as the first data 301 received from the portable terminal among the various NFC tag codes 110, the communication company server judges that the user is a valid member of the card company.

Meanwhile, the mobile phone number 210 information may be stored and managed in the communication subscriber list 200 together with the user information. The communication company server refers to the stored communication subscriber list 200 and determines that the user is a valid member of the communication company when there is the same telephone number 211 as the received second data 302 in the communication subscriber list do.

As shown in FIG. 5, in order to determine (400) whether a user is a valid member of a card company associated with a communication company and a communication company, the communication company server does not need to transmit / receive data to / 300, only the first data 301 and the second data 302 are used, thereby maximizing the security of personal information.

6 to 8 are examples of service providing screens that can be displayed on a mobile terminal according to an embodiment of the present invention.

An example of the above-described first application displayed on the portable terminal is shown in the screen 500 of FIG. When the NFC tag is brought close to the portable terminal, the portable terminal recognizes the tag and authenticates the user by performing the above function, and then controls to display the screen 500 of FIG. 6 to the portable terminal. The user can use the customer management service of the communication company as shown in FIG. 6 through the first application.

On the other hand, referring to the screen 510 of FIG. 7, when the service provided as described above is recognized as a valid member of a communication company or a credit card company, an example of paying coupons for purchasing discounts of gift certificates available in a specific online shopping mall . With this, the user can use the communication company and the credit card associated therewith more frequently, and accordingly, the online shopping mall, the communication company and the credit card company can expect to generate a profit.

Referring to the screen 520 of FIG. 8, an example of providing a discount service for a communication cost of a communication company can be confirmed if the additional service provided as described above is recognized as a valid member of a communication company or a credit card company. Thus, it is possible to generate revenue by inducing the user to use the communication company and the credit card company.

As described above, the method of providing the supplementary service using the credit card including the NFC according to the embodiment of the present invention can be applied to an application installed basically in the terminal (which can include a program included in a platform, And may be executed by an application (i.e., a program) directly installed on the terminal by a user via an application providing server such as an application store server, an application, or a web server associated with the service. In this regard, the above-described method of providing an additional service using a credit card including NFC according to an embodiment of the present invention may be implemented in an application installed in a terminal or directly installed by a user (i.e., a program) Lt; RTI ID = 0.0 > readable < / RTI >

Such a program may be recorded on a recording medium that can be read by a computer and executed by a computer so that the above-described functions can be executed.

In order to execute the method of providing the additional service using the credit card including NFC according to each embodiment of the present invention, the above-mentioned program may be stored in a storage medium such as C, C ++, JAVA, And may include a code encoded in a computer language of the computer.

The code may include a function code related to a function or the like that defines the functions described above and may include an execution procedure related control code necessary for the processor of the computer to execute the functions described above according to a predetermined procedure.

In addition, such code may further include memory reference related code as to what additional information or media needed to cause the processor of the computer to execute the aforementioned functions should be referenced at any location (address) of the internal or external memory of the computer .

In addition, when a processor of a computer needs to communicate with any other computer or server, etc., to perform the above-described functions, the code may be stored in a computer's communication module (e.g., a wired and / ) May be used to further include communication related codes such as how to communicate with any other computer or server in the remote, and what information or media should be transmitted or received during communication.

The functional program for implementing the present invention and the related code and code segment may be implemented by programmers in the technical field of the present invention in consideration of the system environment of the computer that reads the recording medium and executes the program, Or may be easily modified or modified by the user.

Examples of the computer-readable recording medium on which the above-described program is recorded include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical media storage, and the like.

Also, the computer-readable recording medium on which the above-described program is recorded may be distributed to a computer system connected via a network so that computer-readable codes can be stored and executed in a distributed manner. In this case, any of at least one of the plurality of distributed computers may execute some of the functions presented above and transmit the result of the execution to at least one of the other distributed computers, and transmit the result The receiving computer may also perform some of the functions described above and provide the results to other distributed computers as well.

In particular, a computer-readable recording medium storing an application, which is a program for executing a method of providing an additional service using a credit card including NFC according to each embodiment of the present invention, includes an application store server, Or a storage medium (for example, a hard disk) included in an application provider server such as a web server related to the service, or an application providing server itself.

A computer capable of reading a recording medium on which an application as a program for executing an additional service using a credit card including NFC according to each embodiment of the present invention is recorded can be used not only in general PCs such as general desktops and laptops, A mobile terminal such as a smart phone, a tablet PC, a PDA (Personal Digital Assistants), and a mobile communication terminal. In addition, the present invention should be interpreted as any computing capable device.

In addition, a computer capable of reading a recording medium on which an application, which is a program for executing an additional service using a credit card, including NFC according to an embodiment of the present invention is recorded is a smart phone, a tablet PC, a PDA (Personal Digital Assistants) And a mobile communication terminal, the application may be downloaded to the general PC from the application providing server and installed in the mobile terminal through the synchronization program.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. That is, within the scope of the present invention, all of the components may be selectively coupled to at least one. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. The codes and code segments constituting the computer program may be easily deduced by those skilled in the art. Such a computer program can be stored in a computer-readable storage medium, readable and executed by a computer, thereby realizing an embodiment of the present invention. As a storage medium of the computer program, a magnetic recording medium, an optical recording medium, or the like can be included.

It is also to be understood that the terms such as " comprises, "" comprising," or "having ", as used herein, mean that a component can be implanted unless specifically stated to the contrary. But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

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 intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

Claims (10)

Receiving a first data including identification information of the NFC tag from an NFC tag mounted on a credit card, the mobile terminal having the NFC transmission / reception module;
Transmitting, by the portable terminal, the first data and the second data including the identification information of the portable terminal to a communication company server to which the portable terminal is subscribed;
The communication company server uses the received first data and the second data to determine whether or not a user of the portable terminal is a valid member of a card company that issued the credit card and a communication company related to the mobile communication service of the portable terminal ; And
And providing the additional service related to the use of the portable terminal and the credit card when the communication company server determines that the user of the portable terminal is a valid member of the card company and the communication company How to provide additional services using credit cards with NFC. The method according to claim 1,
Wherein the first data includes code information stored in the NFC tag,
Wherein the determining step comprises:
And code information of an NFC tag provided to the card company server when the NFC tag is mounted on a plurality of credit cards issued by the credit card company as information pre-stored in the communication company server, Comparing; And
When the code information included in the received first data matches any one of the code information of the NFC tag provided to the card company server, the user of the portable terminal, which has transmitted the received first data, And determining that the user is a valid member. The method for providing an additional service using a credit card including NFC. The method according to claim 1,
Wherein the step of providing the additional service comprises:
When the user of the mobile terminal is judged to be a valid member of the card company, provides a discount service for the use fee of the portable terminal to be paid when using the portable terminal through the communication company A method of providing an additional service using a credit card. The method according to claim 1,
Wherein the step of providing the additional service comprises:
When the portable terminal receives the first data valid from the NFC tag and the user of the portable terminal is determined to be a valid member of the card company and the communication company, And providing a first application provided only when the member is a member to the mobile terminal. 5. The method of claim 4,
Wherein the step of providing the additional service comprises:
And providing a coupon for purchasing a gift certificate available at an online shopping mall associated with the credit card company or the communication company at a discounted price when the first application is executed. . 5. The method of claim 4,
Wherein the step of providing the additional service comprises:
And providing a purchase price discount service for making a payment through the online shopping mall when using the online shopping mall associated with the credit card company or the communication company through the mobile terminal. 5. The method of claim 4,
Wherein the step of providing the additional service comprises:
When the credit card is used in the payment process, a discount service for the amount to be paid through the payment process is provided when the payment process for using a preset service is performed through the portable terminal. A method of providing additional services using an embedded credit card. 5. The method of claim 4,
Wherein the first application is an application including a customer management service of the communication company. A credit card with an NFC tag;
Receiving the first data including the identification information of the NFC tag from the NFC tag mounted on the credit card, and transmitting the first data and the second data including the telephone number information A portable terminal for transmitting to a communication company server; And
Determining whether a user of the portable terminal is a valid member of a card company and a communication company issuing the credit card using the received first data and the second data; And a communication company server for providing additional services related to use of the portable terminal and the credit card when it is determined that the user is a valid member. Receiving a first data including identification information of the NFC tag from an NFC tag mounted on a credit card, the mobile terminal having the NFC transmission / reception module;
Transmitting, by the portable terminal, the first data and the second data including the identification information of the portable terminal to a communication company server to which the portable terminal is subscribed;
Using the first data and the second data to determine whether the user of the mobile terminal is a valid member of a credit card company and a communication company that issued the credit card; And
And providing the additional service related to the use of the portable terminal and the credit card when the communication company server determines that the user of the portable terminal is a valid member of the card company and the communication company, The method comprising the steps of: (a) providing an additional service using a credit card including a credit card;

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