KR20170139896A - User device and card management server for issuing smart card, and smart card - Google Patents
User device and card management server for issuing smart card, and smart card Download PDFInfo
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- KR20170139896A KR20170139896A KR1020160072462A KR20160072462A KR20170139896A KR 20170139896 A KR20170139896 A KR 20170139896A KR 1020160072462 A KR1020160072462 A KR 1020160072462A KR 20160072462 A KR20160072462 A KR 20160072462A KR 20170139896 A KR20170139896 A KR 20170139896A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/06—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for block-wise or stream coding, e.g. DES systems or RC4; Hash functions; Pseudorandom sequence generators
- H04L9/0618—Block ciphers, i.e. encrypting groups of characters of a plain text message using fixed encryption transformation
- H04L9/0625—Block ciphers, i.e. encrypting groups of characters of a plain text message using fixed encryption transformation with splitting of the data block into left and right halves, e.g. Feistel based algorithms, DES, FEAL, IDEA or KASUMI
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
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- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Signal Processing (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
The present invention relates to a user terminal for issuing a smart card, a card management server, and a smart card.
A Smart Card is an electronic card in which a microcontroller chip, memory, security algorithm and microcomputer are embedded in a plastic card of the same size and thickness as a credit card in the form of COB (Chip On Board) A CPU intelligent card capable of storing and processing.
Since the smart card is equipped with an integrated circuit (IC), its storage capacity is higher than that of a plastic card using a conventional magnet, and it has an advantage that it can perform various additional functions requiring separate information storage and can not be falsified.
With respect to a smart card having such an integrated circuit (IC), Korean Unexamined Patent Publication No. 2010-0058934 discloses a smart card issuing system and its operation process.
Traditionally, financial institutions have been able to issue credit card information directly to customers by storing their credit card information on a smart card. However, the conventional smart card is issued only by the financial institution, so that it has only information related to the issued financial institution. As a result, the user had to have a smart card issued by another financial institution in order to use a card associated with another financial institution.
A user terminal for issuing a smart card by storing information of a plurality of credit cards or accumulation cards held by a user in a smart IC card through a wireless communication such as Bluetooth or Wi-Fi in a single plastic IC card, Management server and a smart card. Also, a user terminal for issuing a smart card, a card management server, and a smart card using a USIM card capable of storing a plurality of credit cards or accumulated cards are provided. A card management server and a smart card for issuing a smart card for displaying the actual credit card information of the user and the information of the actual accumulation card on the smart card. A user terminal for setting a main payment card for a plurality of credit cards and accumulated cards stored in a smart card from a user and issuing a smart card for performing settlement or accumulation based on the set main payment card, ≪ / RTI > In addition to the use of a credit card or an accumulation card, a coupon or an employee's card, which is often used in daily life, is stored in a smart card, so that a user terminal that issues a smart card that provides various services with a smart card, ≪ / RTI > It is to be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.
According to an aspect of the present invention, there is provided an information processing apparatus including an issuance request unit for requesting issuance of a smart card to a card management server through a first application, an applet a connection unit for performing a pairing operation between the user terminal and the smart card through the first application, a connection unit for connecting the smart card to the smart card, And a transmission unit for transmitting the application information and the issuance information of the smart card to the smart card through the first application when the application is completed, wherein the issuance information of the smart card is transmitted from each financial server corresponding to the plurality of second applications The actual card information of the issued credit card and the credit Which comprises personal information about the user of the de it may provide a user terminal.
According to another embodiment of the present invention, there is provided a smart card system including a connection unit for performing a pairing with a user terminal through a first application, a connection unit for connecting the smart card's applet from the user terminal via the first application, An input unit for receiving the issuance information of the smart card, an input unit for selecting at least one of the plurality of credit cards derived from the issuance information of the smart card, And a display unit for displaying card information of the extracted real credit card, wherein the issuance information of the smart card is transmitted to each financial institution corresponding to a plurality of second applications installed in the user terminal, The actual credit card issued by the server Card information and can provide a smart card to include personal information of the credit card users.
According to another aspect of the present invention, there is provided a smart card system including an issuance request receiving unit for requesting issuance of a smart card from a user terminal through a first application, an applet issuing unit for issuing an applet of the smart card, Wherein when the pairing between the user terminal and the smart card is completed, the applet and the issuing information of the smart card are transmitted from the user terminal to the smart card through the first application, And the issuance information of the smart card includes the actual card information of the credit card issued from each financial service server corresponding to the plurality of second applications and the personal information about the user of the credit card .
The above-described task solution is merely exemplary and should not be construed as limiting the present invention. In addition to the exemplary embodiments described above, there may be additional embodiments described in the drawings and the detailed description of the invention.
According to any one of the above-mentioned objects, there is provided a method for transmitting information of a plurality of credit cards or earned cards held by a user via a wireless communication such as Bluetooth or Wi-Fi to a single plastic A user terminal for issuing a smart card by storing it in an IC card, a card management server, and a smart card. Also, a user terminal for issuing a smart card, a card management server, and a smart card can be provided using a USIM card capable of storing a plurality of credit cards or accumulated cards. A card management server and a smart card for issuing a smart card for displaying the actual credit card information of the user and the information of the actual accumulation card on the smart card. A user terminal for setting a main payment card for a plurality of credit cards and accumulated cards stored in a smart card from a user and issuing a smart card for performing settlement or accumulation based on the set main payment card, Can be provided. In addition to the use of a credit card or an accumulation card, a coupon or an employee's card, which is often used in daily life, is stored in a smart card, so that a user terminal that issues a smart card that provides various services with a smart card, Can be provided.
1 is a configuration diagram of a smart card issuing system according to an embodiment of the present invention.
2 is a configuration diagram of a user terminal according to an embodiment of the present invention.
3 is a flowchart of a method of issuing a smart card in a user terminal according to an embodiment of the present invention.
4 is a configuration diagram of a card management server according to an embodiment of the present invention.
5 is a flowchart of a method of issuing a smart card in a card management server according to an embodiment of the present invention.
6 is a configuration diagram of a smart card according to an embodiment of the present invention.
7 is an exemplary diagram illustrating a smart card according to an embodiment of the present invention.
8 is a flowchart of a method of operating in cooperation with a user terminal in a smart card according to an embodiment of the present invention.
9 is a flowchart illustrating a process of issuing a smart card in the smart card issuing system according to an embodiment of the present invention.
10 is a flowchart illustrating a process of forming a secure channel between a user terminal and a smart card according to an embodiment of the present invention.
Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.
Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as "including" an element, it is to be understood that the element may include other elements as well as other elements, And does not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.
In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware.
In this specification, some of the operations or functions described as being performed by the terminal or the device may be performed in the server connected to the terminal or the device instead. Similarly, some of the operations or functions described as being performed by the server may also be performed on a terminal or device connected to the server.
Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
1 is a configuration diagram of a smart card issuing system according to an embodiment of the present invention. Referring to FIG. 1, the smart card issuing
Each component of the smart card issuing
The network refers to a connection structure in which information can be exchanged between each node such as terminals and servers. An example of such a network is Wi-Fi, Bluetooth, Internet, LAN (Local Area Network ), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), 3G, 4G, 5G, LTE and the like.
The
The
In addition, the
The
For example, the
The
The
The
The
When the mapping between the
The
The plurality of
The plurality of
The
The
The
The
The
The
Accordingly, the smart
2 is a configuration diagram of a user terminal according to an embodiment of the present invention. 2, the
The
The receiving
The
The
For example, the
The
For example, the
The
The handle key may be used for a 1: 1 mapping between the
The
When the symmetric key is issued, the
That is, the public key and the symmetric key may be used to form a secure channel between the Bluetooth application installed in the
When the pairing is completed, the transmitting
3 is a flowchart of a method of issuing a smart card in a user terminal according to an embodiment of the present invention. A method for issuing a smart card in a user terminal performed in a
In step S310, the
Although not shown in FIG. 3, the
3, the
In the above description, steps S310 to S340 may be further divided into further steps or combined into fewer steps, according to an embodiment of the present invention. Also, some of the steps may be omitted as necessary, and the order between the steps may be changed.
4 is a configuration diagram of a card management server according to an embodiment of the present invention. 4, the
The issuance
The security
The
The transmitting
The
The handle
When the mapping between the
5 is a flowchart of a method of issuing a smart card in a card management server according to an embodiment of the present invention. The method for issuing a smart card in the
In step S510, the
Although not shown in FIG. 5, the
Although not shown in FIG. 5, the
5, when the mapping between the
In the above description, steps S510 to S530 may be further divided into further steps or combined into fewer steps, according to an embodiment of the present invention. Also, some of the steps may be omitted as necessary, and the order between the steps may be changed.
6 is a configuration diagram of a smart card according to an embodiment of the present invention. 6, the
The connection unit 610 may perform the pairing with the
For example, when the
When the mapping between the
The receiving
The
Also, the
The
The
Also, the
Conventionally, a new payment infrastructure has been established to issue a smart card, and a real card number and a virtual card number issued from a financial corporation have been mapped to issue a mapped virtual card number to a user of a smart card. However, The issuance infrastructure or the asymmetric financial management system can be used to issue the actual card number issued from the financial institution to the user of the smart card as a response to the issuance request of the smart card.
The
In addition, the
7 is an exemplary diagram illustrating a smart card according to an embodiment of the present invention. Referring to FIG. 7, the
At this time, when receiving the left / right arrow direction display from the user, the
8 is a flowchart of a method of operating in cooperation with a user terminal in a smart card according to an embodiment of the present invention. The method of operating in cooperation with the
In step S810, the
Although not shown in FIG. 8, the
Although not shown in FIG. 8, the
In the above description, steps S810 to S850 may be further divided into further steps, or combined in fewer steps, according to an embodiment of the present invention. Also, some of the steps may be omitted as necessary, and the order between the steps may be changed.
9 is a flowchart illustrating a process of issuing a smart card in the smart card issuing system according to an embodiment of the present invention. Referring to FIG. 9, the smart
The
The
The plurality of
The
The
In the above description, steps S901 to S909 may be further divided into additional steps or combined into fewer steps, according to an embodiment of the present invention. Also, some of the steps may be omitted as necessary, and the order between the steps may be changed.
10 is a flowchart illustrating a process of forming a secure channel between a user terminal and a smart card according to an embodiment of the present invention.
Referring to FIG. 10, the
Upon receiving the handle key from the
The
Upon completion of the mapping, the
The
When the
In the above description, steps S1001 to S1008 may be further divided into additional steps or combined into fewer steps, according to an embodiment of the present invention. Also, some of the steps may be omitted as necessary, and the order between the steps may be changed.
A method of issuing a smart card and a method of operating in cooperation with a user terminal in a smart card, which are performed in the user terminal and the card management server described in Figs. 1 to 10, may be performed by a computer program stored in a medium But may also be embodied in the form of a computer-readable recording medium. 1 to 10, a method of issuing a smart card performed in a user terminal and a card management server, and a method of operating in cooperation with a user terminal in a smart card, may be performed by a computer program stored in a medium But may also be implemented in other forms. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism.
It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.
The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.
110: User terminal
120: Card management server
130: a plurality of financial company servers
140: Smart card
210: issuing request section
220:
230: Authentication unit
240:
250:
410: Issuance request receiver
420: Security Key Management Unit
430: Applet issuing unit
440:
450: Handle key registration part
460: symmetric key issuing unit
610:
620:
630:
640:
650:
660:
Claims (18)
An issuance request unit for issuing a smart card to the card management server through the first application;
A receiving unit for receiving an applet of the smart card from the card management server and receiving issuance information of the smart card from a financial service server interlocked with the card management server;
A connection unit for performing a pairing between the user terminal and the smart card through the first application,
And a transmitting unit for transmitting the applet and the issuing information of the smart card to the smart card through the first application when the pairing is completed,
Wherein the issuance information of the smart card includes actual card information of a credit card issued from each financial service server corresponding to a plurality of second applications and personal information about a user of the credit card.
Wherein the first application is a widespread financial management application,
Wherein the plurality of second applications is a financial application.
And an authentication unit for performing authentication with respect to the user terminal for issuing the smart card.
Wherein the authentication unit performs first authentication with the card management server based on wastewater information of the user terminal,
Wherein the receiving unit is configured to receive an applet of the smart card from the card management server when the first authentication is successful.
Wherein the authentication unit performs the second authentication based on the wisdom information of the financial service server and the user terminal provided with a key for accessing the wake of the user terminal from the card management server,
Wherein the receiving unit is configured to receive the issuance information of the smart card from the financial company server when the second authentication is successful.
Wherein the connection unit issues a handle key of the smart card registered in the card management server from the card management server,
And when the user terminal and the smart card are paired, mapping the smart card to the user terminal using the issued handle key.
Wherein the connection unit issues a symmetric key from the card management server based on the first public key of the smart card and the second public key of the user terminal when the mapping between the user terminal and the smart card is completed,
And to perform encryption and decryption of a pairing procedure between the user terminal and the smart card based on the issued symmetric key when the user terminal and the smart card are paired.
A connection unit for performing a pairing with a user terminal through a first application;
A receiving unit for receiving the applet of the smart card and the issuing information of the smart card from the user terminal through the first application when the pairing with the user terminal is completed;
An input unit for selecting at least one of a plurality of credit cards derived from the issuance information of the smart card;
A controller for extracting actual card information corresponding to the selected credit card based on the issuance information of the smart card;
A display unit for displaying card information of the extracted real credit card,
, ≪ / RTI &
Wherein the issuance information of the smart card includes actual card information of a credit card issued from each financial service server corresponding to a plurality of second applications installed in the user terminal and personal information of the credit card user.
Wherein the input unit receives a priority of a credit card to be displayed on the display unit,
And the display unit is configured to display the actual card information based on the inputted priority.
Wherein the connection unit is configured to map the user terminal and the smart card using the handle key issued when the user terminal is paired with the smart card.
Wherein the connection unit issues a symmetric key from the card management server based on the first public key of the smart card and the second public key of the user terminal when the mapping between the user terminal and the smart card is completed,
Wherein the smart card is configured to encrypt and decrypt a pairing procedure between the user terminal and the smart card based on the issued symmetric key when the user terminal and the smart card are paired.
And a settlement unit for performing settlement based on actual card information of the credit card displayed on the display unit.
The settlement unit, when payment is made via the credit card,
And transmits the generated payment information to the financial company server.
An issuance request receiver for requesting issuance of a smart card from a user terminal through a first application;
An applet issuing unit for issuing an applet of the smart card;
And a transmitting unit for transmitting the issued applet to the user terminal,
When the pairing between the user terminal and the smart card is completed, the applet and the issuing information of the smart card are transmitted from the user terminal to the smart card through the first application,
Wherein the issuance information of the smart card includes the actual card information of the credit card issued from each financial institution server corresponding to the plurality of second applications and the personal information about the user of the credit card.
Further comprising a security key management unit for managing a key of a issuer security domain and a key of a security domain, which access the worm of the user terminal,
Wherein the transmission unit transmits the key of the security domain to the financial company server.
Further comprising: a handle key registration unit for registering a handle key previously issued to the smart card.
Wherein the handle key registration unit inquires whether the handle key mapped to the smart card is present based on the personal information of the user terminal when the second application of the user terminal is activated,
And to issue the handle key to the user terminal if it is determined that the handle key exists,
Wherein when the user terminal and the smart card are paired, the user terminal and the smart card are mapped based on the handle key.
And a second public key of the user terminal, wherein the mapping between the user terminal and the smart card is completed, and a second public key of the user terminal is used for encryption and decryption of the pairing procedure between the user terminal and the smart card based on the first public key of the smart card and the second public key of the user terminal. And a symmetric key issuing unit that generates and issues a symmetric key.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020160072462A KR20170139896A (en) | 2016-06-10 | 2016-06-10 | User device and card management server for issuing smart card, and smart card |
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| Application Number | Priority Date | Filing Date | Title |
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| KR1020160072462A KR20170139896A (en) | 2016-06-10 | 2016-06-10 | User device and card management server for issuing smart card, and smart card |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR101909179B1 (en) * | 2017-06-27 | 2018-10-18 | 주식회사 케이티 | Server for providing smart card service, card type device, user device and method |
| US12106285B2 (en) | 2018-10-02 | 2024-10-01 | Capital One Services, Llc | Systems and methods to perform contactless card activation |
-
2016
- 2016-06-10 KR KR1020160072462A patent/KR20170139896A/en active Search and Examination
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR101909179B1 (en) * | 2017-06-27 | 2018-10-18 | 주식회사 케이티 | Server for providing smart card service, card type device, user device and method |
| US12106285B2 (en) | 2018-10-02 | 2024-10-01 | Capital One Services, Llc | Systems and methods to perform contactless card activation |
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