KR20170063169A - Method for issuing multiple digital card - Google Patents

Abstract

The present invention allows two or more card functions to be carried out on one card, and further, the function of the added card can integrate the function of the already issued card into one specific card, In order to provide such a completely new card issuing method in which a card issuer server 500 having a contract and an issuing system provider server 400 for exchanging information is constructed in advance A method for issuing a integrated card to a single physical integrated card (100) while receiving a new card through the mobile communication terminal (300), the method comprising the steps of: (a) Selecting a new card issuing button; (b) requesting issuance of a card while selecting a credit card, a card issuer or a card product to be outputted to the output window in the mobile communication terminal 300; (c) receiving an issuing instruction from the issuing system (400); (d) the mobile communication terminal (300) synchronizing with the integrated card (100); And (f) the mobile communication terminal (300) issues a new card to the integrated card (100); And a control unit.

Description

{METHOD FOR ISSUING MULTIPLE DIGITAL CARD}

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a method of issuing a unified card, and more particularly, to a method of issuing a unified card for superimposing a new card function on an existing card via an app installed in a smart phone.

In general, a card is classified into a magnetic card using a magnet strip, a smart card using an IC chip, and a combination card serving as an IC chip according to a recording method. The smart card is classified into a contact type and a non- (NFC) card readable only at a distance of not more than 2 cm and an RF card readable at a long distance. In addition, if classified according to functions, there are debit cards, membership cards, transportation cards, point accumulation cards, and access cards in addition to credit cards. However, in recent years, OTP functions and new additional functions have been added to the cards.

On the other hand, Korean Patent Application No. 10-2012-0092387 discloses a method of issuing a mobile card using a credit card and a credit card for the same, as a method of issuing a credit card or the like according to the first prior art. The first related art relates to a method for installing a mobile card corresponding to a credit card using a credit card and a portable information terminal and installing the same on a portable information terminal, and a credit card capable of performing the method.

FIG. 1A is a network diagram showing a relationship between a portable information terminal according to the first prior art, an IC card, and a card issuing server for issuing a mobile card. The portable information terminal 10 reads access information to the site from which the card issuing application (App) can be downloaded from the IC card 20 by using near field communication (NFC). The portable information terminal 10 accesses the card issuing server 30 via the Internet according to the access information read from the IC card 20 and downloads the card issuing application. Alternatively, it is possible to configure the application for card issuance to be downloaded from a separate app marketplace.

When the card issuing application downloaded from the portable information terminal 10 is executed, the card issuing application reads the encrypted card information from the IC card 20 using the NFC, releases the password of the encrypted card information, issues a card And connects to the server 30 to transmit the card information. The card issuing server 30 transmits the mobile card information to the portable information terminal 10 and the portable information terminal 10 receiving the mobile card information transmits the information to the universal subscriber identity module ) Chip, an internal memory, and an external memory, thereby installing the mobile card in the terminal.

1B is a flowchart showing a mobile card issuing procedure according to the first prior art.

The user who wants to receive the mobile card contacts the portable information terminal 10 having the NFC communication function with the IC card 20 having the NFC communication function (step S410). In a case where the mobile card issuing application is not installed in the portable information terminal, that is, at the first tagging, only the NDEF (NFC Data Exchange Format) message is transmitted to the portable information terminal 10 (step S415). The NDEF message to be transmitted may include connection information for downloading the card issuing application, a unique number of the IC card, and the like. Since the app linked to the NFC tag is not registered in the portable information terminal 10 at the time of initial tagging, the portable information terminal 10 can not recognize any of the NFC reader apps installed in the portable information terminal 10 And displays a screen prompting the user to select whether to use it. When the user selects one of the apps 51, the portable information terminal 10 displays a record list included in the NDEF message read using the app (step S420).

The user selects a URI record 52 which is access information for downloading the card issuing application (step S430). Then, the portable information terminal 10 accesses a site (hereinafter, referred to as an 'app download server') from which the corresponding app can be downloaded. The application download server may be an application store for selling an app or a site providing the service of the present invention. When the user presses the install button 53 again, the app download request is transmitted to the app download server (step S435), and a card issuing application for issuing the mobile card from the app download server is transmitted to the portable information terminal 10 S437).

In step S440, the portable information terminal 10 that has downloaded and installed the card issuance application registers the tag information included in the NDEF message received in step S415 and the TNF (Tag Name Format) key value associated with the card issuance app. The TNF key value is a key value in URL format that selects an app to be executed when a tag is contacted. That is, after the TNF key value is registered, when the tag having the tag information associated with the corresponding TNF key value is contacted, the application designated by the TNF key value is executed.

After the tag value of the IC card 20 is registered in the portable information terminal 10 through the above procedure, the IC card 20 is brought into contact with the portable information terminal 10 (step S450). In step S415, Likewise, the NDEF message is transmitted to the portable information terminal 10 (step S455). However, since the TNF key value associated with the tag value of the IC card 20 is registered in the portable information terminal 10, the card issuing application for issuing the mobile card is executed based on the TNF key value (step S460).

When the card issuing application is executed, it requests the IC card 20 for information (e.g., card number, expiration date, card name, user information, etc.) necessary for card issuance (step S465). This can be done according to the ISO 7816 standard. That is, the portable information terminal 10 on which the card issuing application is executed transmits the PPSE Select command to the IC card 20, and the IC card 20 sends the PPSE response to the portable information terminal 10 in response thereto. The portable information terminal 10 acquires the AID of the IC card from this response and transmits the AID Select command. Then, in response to this, the IC card 20 sends the AID response including the card information to the portable information terminal 10. Necessary information can be displayed on the screen of the portable information terminal 10 while reading the card information from the IC card.

Thereafter, when the card information necessary for issuing the card is read from the IC card 20 (step S467), the portable information terminal 10 displays a screen for inputting information requiring further input (step S470). Information that requires additional input may include a CVC (Card Validation Code) number printed on the back of the credit card. Also, authentication by CVC number

In addition, the use of one or more of the user's resident registration number, telephone number, or other information such as a communication company, an authentication certificate, a mobile phone USIM, a one-time password (OTP), a card password, fingerprint recognition, eye recognition, It is possible.

Then, when the user inputs the CVC number into the CVC number input field 54 and clicks the application button 55 (step S480), the card issuing application extracts, from the input information and the information read from the IC card, Extracts the application information, and transmits it to the card issuing server 30 (step S485). When the card application information received from the portable information terminal 10 satisfies all the requirements for issuing the mobile card, the card issuing server 30 generates a mobile card and transmits the mobile card information to the portable information terminal 10 (Step S487). At this time, it is also possible to transmit a text message for authentication to the portable information terminal 10 for additional user authentication.

Upon receiving the mobile card information, the portable information terminal 10 installs the mobile card in a storage space such as a universal subscriber identity module (USIM) chip, an internal memory, an external memory, etc. (step S490) The user can click the card information view button on the screen of the information terminal 10 to confirm the mobile card.

However, since the first prior art described above only generates a mobile card based on existing credit card information, there are limitations in the application thereof, and it is impossible to immediately respond to the credit card in the field. Since it is necessary, several credit cards must be issued in advance.

In addition, although the mobile card has advantages in its own way, it can not be read as a reader of a plastic card using a conventional magnet strip, and thus has limitations in general use.

On the other hand, as a second conventional technique, a card issuing method using proximity wireless communication (NFC) and a terminal device using the same are disclosed.

The system for the card issuing method using the proximity wireless communication also includes the terminal device 10, the card 20 and the card issuer server 30 as shown in FIG. The card 20 may include a storage unit in which a PIN number and credit information are encrypted and stored in the IC chip. On the other hand, the card issuer server 30 may be an approval server of a credit card company authorizing issuance of a card. The terminal device 10 identifies the adjacent card 20 using proximity communication, for example, NFC, receives the identification information from the card 20, and transmits the request information based on the card identification information to the card issuer server 30 send. To this end, the terminal device 10 includes a proximity communication unit for detecting the card 20 in close proximity and receiving the identification information from the card 20, the received identification information to the server 30, And a control unit for generating service additional information corresponding to the card 20 in response to the receiving network interface unit and the authentication message and transmitting the generated service additional information to the server 30 through the network interface unit.

In addition, the network interface unit of the terminal device 10 receives the issuance information corresponding to the service additional information, and the control unit records the card information in the partial data area of the card through the proximity communication based on the issuance information . Here, the service additional information may include at least one of usage count information, ceiling amount setting information, function limitation information, and lock-time lock information.

On the other hand, when the card 20 is a card issued by the terminal device 10, the control unit of the terminal device 10 externally outputs a signal for querying whether or not the mobile card is registered, ) Identification information to the server. At this time, the network interface unit can receive the issuance information in correspondence with the card identification information 20. The terminal device 10 may further include a storage unit for storing the mobile card based on the received issuance information.

1C is a flowchart showing an operation method of the terminal device according to the second prior art. When the card 20 approaches the terminal device 10, the terminal device 10 can acquire previously issued physical card information by close communication with the card 20. [ The terminal device 10 reads the corresponding block by communicating with the card issuer server 30 having a KEY capable of block access thereto and verifies its validity. The terminal device 10 records the issuance history stored in the card issuer server 30, Service history, usage information, and so on. Thereafter, the user verifies the PIN number of the physical card and authenticates the card company server 30 that the real card holder is the user. Then, the user logs in to the service through the relevant terminal device 10, The card company server 30 may be authenticated as the terminal device 10 of the holder. When the authentication from the card issuer server 30 is completed, the terminal device 10 can set an additional service according to user input. The additional service may include re-issuance of the physical card, issuance of the mobile card, setting of the PIN of the physical card, and setting of a ceiling. Accordingly, the terminal device 10 confirms whether the card is a real card issued by a credit card company based on the credit information stored in the card, and performs authentication. Thus, the terminal device 10 transmits a smart card sold in the market or an APDU It is possible to prevent the illegal transaction and the issuance of indiscreet transactions, thereby improving the security. Meanwhile, the card 20 is assigned a unique unique identification (UID) for each card, and can manage whether or not the card is issued by the card issuer server 30 and the issuance information.

After authentication, the terminal device 10 sets the function of the additional service to be applied to the card. The function of the supplementary service can be designated according to the purpose of the user, and there can be a function of setting the number of usage, setting the limit and leasing, and restricting the functions of the card, setting the authority, locking and unlocking the lost function. In the case of setting the number of usage and the limit, it can mean the number of times of use in the application program of the terminal, the limit of the amount of money, or the function of paying only the designated service. In this case, it is mainly for the purpose of renting for a child or corporation card, or a case of payment or charging of a specific service. For example, it is possible to perform payment through the card 20 in which a supplementary service is set by the terminal device 10 in a swimming pool or beach where it is difficult to carry the terminal device 10. According to the second prior art, the rental service can be set to the one-time limited rental service on the card 20 in order to prevent the child from paying more than necessary amount or other than the designated service. Also, in the case of the rental service, a one-time lending application authentication program issued by the card issuer server 30 is downloaded to the terminal device 10 so that only the rented user can use the terminal, The authentication is completed as the original card holder only when the terminal device 10 of the lender is contacted, and the card issuer server 30 can control the approval. On the other hand, the supplementary service may include a lock and unlock service. The card issuing server 30 may request the card holder's terminal 10 to suspend the right to use the card if the inappropriate use is detected or lost.

For example, when the lock and unlock service settings are input in the terminal device 10 and the physical card 20 contacts the terminal device 10, the card identification information and the additional service The information is transmitted, the authentication message is received through the authentication process, and the setting can be completed. Accordingly, it becomes possible to use the card 20 locking and unlocking service through the terminal device 10.

The terminal device 10 can generate an APDU command based on the received result message from the server 30 and record the card information in each block area and the applet of the card 20 using the write mode of the NFC . Upon completion of the writing, the terminal device 10 reads the data block of the card 20 once again to check whether the writing is successful. The terminal device 10 transmits the information again to the card issuing server 30, Service information can be transmitted. As described above, the terminal device 10 can issue and store an additional service in the IC chip area of the real card having the existing issuance history.

However, according to the second prior art described above, it is possible to add an additional service or add a new function to an existing credit card by going one step further than the first conventional technology, and to convert it into a new credit card, It is impossible to respond instantly to the field, and the premise of a credit card is required to the last.

Moreover, both the first and second prior arts can not be completely different cards than the card issued for the first time, and in particular, two or more completely new cards can not be made to function as one card.

Korean Patent Application No. 10-2012-0092387 (Name: Mobile card issuing method using a credit card and a credit card for the application, filed on August 23, 2012) Korean Patent Application No. 10-2013-0047019 (Title: Card issuing method and terminal device using the same, filed on Apr. 26, 2013)

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a card capable of having two or more card functions on one card, , And provides a completely new way of issuing cards, which can add functionality in real time while issuing a completely new card.

These and other objects of the present invention will be apparent to those skilled in the art without departing from the scope of the present invention by the appended claims.

According to another aspect of the present invention, there is provided a method for issuing a unified card, the method including the steps of: integrating two or more cards held by the card into one physical integrated card, Synchronizing with the integrated card 100; Selecting a card to be integrated by bringing in a card currently held in the mobile communication terminal 300; Authenticating the user by inputting basic information of the card to be integrated; And a control unit.

According to another aspect of the present invention, there is provided a method of issuing a unified card, the method comprising: receiving a card from a smart card; Installing a smartphone app in the mobile communication terminal 300; Registering the user in the application; Moving to the BLE electronic card registration screen and selecting a card to be integrated; Performing synchronization by bringing the mobile communication terminal 300 close to the integrated card 100; And if the recognized card is displayed, inputting and authenticating the information specified at issuing of the card; And a control unit.

According to another aspect of the present invention, there is provided an integrated card issuance method in which an issuer system provider server (400) that contracts with a plurality of card issuer server (500) A method for issuing a integrated card to a single physical integrated card (100) while receiving a new card through the mobile communication terminal (300), comprising the steps of: (a) 400, and then selecting a new card issuing button; (b) requesting issuance of a card while selecting a credit card, a card issuer or a card product to be outputted to the output window in the mobile communication terminal 300; (c) receiving an issuing instruction from the issuing system (400); (d) the mobile communication terminal (300) synchronizing with the integrated card (100); And (f) the mobile communication terminal (300) issues a new card to the integrated card (100); And a control unit.

Preferably, the step (b) of performing the card issuing application is performed by selecting a corresponding credit card, a card company to issue or a card product corresponding to the card product, and inputting the card type and application information .

Between the step (b) and the step (c), the issuance system 400 transmits the user basic information to the corresponding card issuer server 500 and issues an issuance approval request, And issuing the issuance data to the issuer server (500) while issuing the issuance approval to the issuance system (400).

Also, preferably, after step (f), the mobile communication terminal 300 transmits the issuance result to the issuance system 400, and the issuance system 400 again transmits the issuance result to the card issuer server 500 And transmits the issuing result.

Also, preferably, at least one credit card is issued to the integrated card 100 of the user offline, and in step (b), the mobile communication terminal 300 is issued to the issuing system 400 And transmits the received card information of the user while making the request.

More preferably, the synchronization between the mobile communication terminal 300 and the integrated card 100 is synchronized through the Bluetooth network 200. [

According to the integrated card issuing method of the present invention, it is possible to have two or more card functions on one card, and further, the function of the added card can integrate the function of the already issued card into one specific card , And a completely new card issuance method that can add real-time capabilities while issuing a completely new card.

Additional features and advantages of the present invention will become more apparent from the following description.

FIG. 1A is a network diagram illustrating a relationship between a portable information terminal according to the first prior art, an IC card, and a card issuing server that issues a mobile card.
1B is a flowchart showing a mobile card issuing procedure according to the first prior art.
1C is a flowchart showing a method of operating a terminal device according to a second prior art.
Figure 2 is a plan view of an integrated card module in accordance with a preferred embodiment of the present invention;
Figures 3a and 3b are cross-sectional views of an integrated card module in accordance with a preferred embodiment of the present invention;
4 is a view showing a laminated structure of an integrated card according to a preferred embodiment of the present invention.
Figures 5A and 5B are top and bottom views, respectively, of an integrated card in accordance with a preferred embodiment of the present invention.
Figure 6 is another plan view of an integrated card module in accordance with a preferred embodiment of the present invention;
7 is another plan view of an integrated card associated with a preferred embodiment of the present invention.
Figure 8 is another plan view of an integrated card in accordance with a preferred embodiment of the present invention;
FIG. 9 is a flowchart showing a method of issuing an integrated card according to a preferred embodiment of the present invention. FIG.
10 is an explanatory view of an operation of registering a credit card being held and transferring it to an integrated card;
11 is an explanatory diagram of an operation of registering a card issued using a smartphone app.
12 is an explanatory diagram of an operation of issuing a new card through a smartphone and transferring the card to the integrated card.
13 is an explanatory view of an operation of registering other card information.

Hereinafter, an integrated card issuing method according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

In the present specification, the following embodiments and embodiments are to be considered as illustrative and not restrictive, and the invention is not to be limited to the details given herein but is to be accorded the scope of the appended claims and their equivalents, Can be changed to an example.

First, an integrated card according to a preferred embodiment of the present invention will be described with reference to Figs. 2 to 8. Fig.

FIG. 2 is a plan view of an integrated card module in accordance with a preferred embodiment of the present invention, FIGS. 3A and 3B are cross-sectional views of an integrated card module in accordance with a preferred embodiment of the present invention, 5A and 5B are a plan view and a bottom view, respectively, of an integrated card according to a preferred embodiment of the present invention. FIG. 6 is another plan view of an integrated card module in accordance with a preferred embodiment of the present invention, and FIG. 7 is another plan view of an integrated card in accordance with a preferred embodiment of the present invention. Figure 8 is another plan view of an integrated card associated with a preferred embodiment of the present invention.

4, a front print paper 20 and a rear print paper 30 are laminated on the upper and lower sides of the integrated card module 10, respectively, And the upper side transparent sheet 10 and the lower side transparent sheet 50 are laminated on the upper side and the lower side, respectively.

The integrated card module 10 is formed by forming a molding 19 in a main portion 10a of the integrated card module as shown in FIG. 3B. The main portion 10a of the integrated card module is formed by molding, As shown in FIG. 3A, various chips or antennas are mounted on a PCB 18 having a display unit 12a formed on one side (right lower end in FIG. 2).

A display chip 12, a BLE (Bluetooth Low Energy) chip 13, and a financial chip 14 are connected to a main control unit (MCU) 11, Each chip is connected to its respective operating element.

That is, the display chip 12 is connected to the display unit 12a and displays necessary card information (card number, CVC code, validity period, membership name, barcode, OTP information, etc.) through the display unit 12a . This will indicate which of the multiple integrated cards is currently active.

The BLE chip 13 is connected to the BLE antenna 13a and the integrated card 100 according to the present invention preferably communicates with the mobile communication terminal 300 (see FIG. 9) via the Bluetooth network 200 Do. However, this is merely an example of communication, and is not necessarily limited to this. However, the BLE method is advantageous for efficiently inputting or managing a plurality of pieces of card information, the BLE chip transmits very small packets rapidly, The size is not large even if it is transmitted, and it is quick and advantageous to synchronize.

The financial chip 14 is similar to the case of a smart card or a combi card containing a conventional NFC chip for short-distance communication. That is, the financial chip 14 is connected to the NFC antenna 14a to perform short-range communication with the reader, and on the other hand, the contact pad 14b of the financial chip connected to the existing financial chip 14, So as to be operated in a contact manner.

Since the capacity of the battery is limited due to the limitation of the size and the thickness of the card, the display unit 12a can be activated only when the power button is turned on by pressing the power button 16, Thereby outputting the card information.

Reference numerals '17' and '17a' are selection direction keys for selecting a card type. However, this may be omitted if the display unit is constituted by a touch screen and a GUI environment is created.

As shown in Figs. 4 and 5A, the front face of the integrated card 100 is characterized by the front side printing paper 20 on the upper side of the integrated card module 10. As described above, The power window 16 and the selection direction keys 17 and 17a of the financial chip are formed in positions corresponding to the display portion 12a of the financial chip The terminal 24 of the financial chip, the power button display portion 26, and the selection direction key display portion 27, 27a are printed at positions where the power supply button is displayed.

4 and 5B, the back side of the integrated card 100 is characterized by the back side printing paper 30 on the lower side of the integrated card module 10, The sign portion 32 may be positioned at a corresponding position of the magnet strip of the existing magnetic card (in the case where the signature is different for each card, the sign must be displayed differently according to the activated card) (31) is present. At this time, the magnetic information generating unit 31 does not actually magnetize the magnetic information, but merely serves to give the same magnet information to the reader when passing the card to the magnet reader.

6 and 7, another example of the integrated card module 60 related to the preferred embodiment of the present invention is shown. In this example, there is only one physical card number, 77b, 77c, 77d, 77e, and 77f from the number 1 key to the number key 5 are directly connected to the function keys 77 and 77a, (77g, 77h) can be used together with the function keys (77, 77a) to select a discount card or a transportation card, and 8 The numbers from the number key to the number 10 key (77i, 77j, 77k) are used as the number keys. The display unit 72, the terminal 74 of the financial chip, and the power button 76 are the same as those in FIG.

8 is another plan view of an integrated card 80 in connection with a preferred embodiment of the present invention. In this embodiment, all of the terminals except for the terminal 84 of the financial chip are displayed on the display unit 82 in a touch screen manner.

The membership card display section 87, the credit card display section 87a, the traffic card display section 87b, the accumulation card display section 87c, the currently activated card number display section 87d, the validity period display section 87e, 87f) are displayed in a GUI manner.

Now, a method of issuing an integrated card according to a preferred embodiment of the present invention will be described with reference to FIGS. 9 to 13. FIG.

FIG. 9 is a flowchart illustrating a method of issuing a unified card according to a preferred embodiment of the present invention, FIG. 10 is an explanatory view of an operation of registering a credit card being held and transferring it to a unified card, FIG. Fig. 12 is an operation explanatory diagram for registering a received card, Fig. 12 is an operation explanatory diagram for newly issuing a card through a smart phone and transferring it to an integrated card, and Fig.

First, a method of registering two or more cards held in a single physical integrated card 100 will be described with reference to Figs. 9 and 10. Fig. First, the mobile communication terminal 300 such as a smart phone is synchronized with the integrated card 100 through the Bluetooth network 200, and the card currently held in the mobile communication terminal 300 is called up (Which may be integrated in the card 400 or collected from each card company or the like by a separate application). Here, the card to be integrated is selected and the registration button is touched. After that, basic information of the card is inputted and the user is authenticated, and the user touches the OK button. Confirm the card information and complete the registration.

As a result, two or more pieces of card information are stored in the integrated card 100, and the user may press a power button and select a card to be paid for payment.

Next, an operation of registering a card issued using the smartphone app will be described with reference to Figs. 9 and 11. Fig.

First, a smartphone application is installed in the mobile communication terminal 300. It can be installed in a general manner by communicating with an unshown application download server. Next, the user is registered, the BLE electronic card registration screen is displayed, and the designated button of the card to be integrated is pressed.

Thereafter, the mobile communication terminal 300 is brought close to the integrated card 100 to perform synchronization through the Bluetooth network 200. When a recognized card is displayed, an authentication process such as inputting a password when issuing a card is performed , The card integration is completed.

9 and 12, an operation of transferring a completely new card through the mobile communication terminal 300 while transferring it to the integrated card and integrating it will be described.

In the present invention, each of the card issuer servers 511, 512 and 513 for issuing a credit card, the respective communication server servers 611, 612 and 613 for issuing a credit card, the respective bank servers 711 and 712 and 713 for issuing a debit card, 811, 812, and 813), and an issuer system provider server 400 for exchanging information with a card issuer server 500 that has been contracted in advance.

This is because the mobile communication terminal 300 may communicate with each card company server or the bank server through a separate app, but since various authentication procedures are complicated and new issuance procedures are not unified, it is difficult to contact them individually .

For example, if you go to the amusement park and only a specific card of A company makes a 50% discount event, if the user has only one integrated card, the discount card can be issued to the integrated card in real time.

First, the user logs in the issuing system 400 at the mobile communication terminal 300, and then selects a new card issuing button. Then select the credit card displayed in the output window and select the card issuer to issue. This can be done in moral, or at the same time. It is also possible to select the card product again, and to do this with one click.

Thereafter, when a card issuance application button is selected and a card type and application information are inputted, a card issuance is performed. More specifically, the mobile communication terminal 300 issues an issuance request to the issuance system 400. The issuance system 400 then issues an issuance authorization (issuance) of basic information (user name, etc.) to the corresponding card issuer server 500 The card issuer server 500 transmits the issuance data (card number, validity period, CVC code, etc.) while issuing the issuance approval to the issuance system 400, The mobile communication terminal 300 issues an issuance instruction to the user's own mobile communication terminal 300 and the mobile communication terminal 300 synchronizes with the integrated card 100 through the Bluetooth network 200 to issue a card via the BLE .

At the same time, the mobile communication terminal 300 transmits the issuance result to the issuance system 400, and the issuance system 400 transmits the issuance result to the card issuer server 500 again.

In this case, it is preferable that at least one credit card is issued on the off-line to the integrated card 100 of the user, and the mobile communication terminal 300 issues an issuance request to the issuing system 400 , So that the credit evaluation of cards of the same or lower creditworthiness may be omitted by transmitting the card information of the user.

Lastly, FIG. 13 shows a function of preventing a loss such as changing a supplementary service of a card or making a beep sound when the card is separated from the mobile communication terminal 300 by a predetermined distance or the like, Change the priority of activation of the cards in the case where the card is used, or register the other convenience function of inquiring the utilization history of each card.

In the detailed description of the present invention, the process of integrating a plurality of cards into one physical integrated card 100 has been described in various terms. However, eventually, existing cards are registered as one integrated card, The card is newly renewed. In the present invention, the card is issued as the integrated card, and the above-described various aspects are included in the technical idea of the present invention.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, Of course.

100: Integrated card 200: Bluetooth network
300: mobile communication terminal 400: issuing system provider server
500: card issuer server

Claims (8)

The integrated card issuing method of integrating two or more cards held by a single physical integrated card (100)
Synchronizing the mobile communication terminal (300) with the integrated card (100);
Selecting a card to be integrated by bringing in a card currently held in the mobile communication terminal 300;
Authenticating the user by inputting basic information of the card to be integrated;
The method comprising the steps of: The integrated card issuing method of integrating two or more cards issued using a smartphone app into one physical integrated card (100)
Installing a smartphone app in the mobile communication terminal 300;
Registering the user in the application;
Moving to the BLE electronic card registration screen and selecting a card to be integrated;
Performing synchronization by bringing the mobile communication terminal 300 close to the integrated card 100; And
When the recognized card is displayed, inputting and authenticating the information designated at issuing of the card;
The method comprising the steps of: In a system in which an issuance system provider server 400 for contracting with a plurality of card issuer server 500 and exchanging information is built in advance, a card is newly issued through the mobile communication terminal 300, A method for issuing an integrated card to be integrated into a card (100)
(a) selecting a new card issuing button after logging in the issuing system 400 at the mobile communication terminal 300;
(b) requesting issuance of a card while selecting a credit card, a card issuer or a card product to be outputted to the output window in the mobile communication terminal 300;
(c) receiving an issuing instruction from the issuing system (400);
(d) the mobile communication terminal (300) synchronizing with the integrated card (100); And
(f) issuing a new card to the integrated card 100 by the mobile communication terminal 300;
The method comprising the steps of: The method of claim 3,
Wherein the step (b) of issuing the card issuance application is performed by selecting a credit card outputted to the output window, a card company to issue or a corresponding button of a card product, and inputting a card type and application information . The method of claim 3,
Between the step (b) and the step (c)
The issuing system 400 requests the issuance approval while transmitting the user basic information to the corresponding card issuer server 500. The card issuer server 500 issues the issuance approval to the issuance system 400, Further comprising the step of transmitting the data. The method of claim 3,
After step (f), the mobile communication terminal 300 transmits the issuance result to the issuance system 400, and the issuance system 400 transmits the issuance result to the card issuer server 500 Wherein the card issuing method comprises: The method of claim 3,
At least one credit card is issued offline on the integrated card 100 of the user and the mobile communication terminal 300 issues an issuance request to the issuing system 400 in step (b) And transmits the received card information to the integrated card issuing method. 8. The method according to any one of claims 1 to 7,
Wherein the synchronization of the mobile communication terminal (300) and the integrated card (100) is synchronized through the Bluetooth network (200).

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