KR100543224B1 - Mobile membership card issue and authentication system using mobile communication terminal and method thereof, and media that can record computer program sources for method thereof - Google Patents

Abstract

The present invention relates to a system for issuing and authenticating a mobile membership card using a mobile communication terminal, a method, and a recording medium storing a computer program source for the method. By downloading and storing a mobile membership card (MMC) in a mobile communication terminal, Even without a physical card, the membership card can be used by using a mobile communication terminal in an ON / OFF merchant that has a corresponding mobile membership card (MMC) as an affiliate.

Mobile membership card issuing and authentication method using the mobile communication terminal of the present invention, MMC card member information and MMC card after the mobile membership card (MMC) issuer receives the MMC card application provider key from the MMC card issuance and authentication center Designing and designing and transmitting to the MMC card issuance and authentication center; A user of the mobile communication terminal downloading an MMC card application program through a communication network and installing the MMC card application program in his mobile communication terminal; Performing a member authentication process by accessing the MMC card issuing and authentication center by driving the MMC card application program installed in the mobile communication terminal by the user of the mobile communication terminal; Selecting and requesting one of the user of the mobile communication terminal by issuing, reissuing, and deleting an MMC card by an MMC card framework provided from the MMC card issuing and authentication center; Personalizing and storing, in the MMC card application program, a profile of the MMC card transmitted from the MMC card issuing and authentication center by issuing and reissuing the MMC card; Deleting an MMC card stored in the MMC card application program by a request for deleting the MMC card; And presenting a mobile communication terminal in which the MMC card is stored to an on / off line affiliate store of the MMC card to receive the benefits of an MMC card member.

Description

Mobile membership card issuance and authentication system using a mobile terminal, and a recording medium storing a computer program source for the method and method thereof. PROGRAM SOURCES FOR METHOD THEREOF}

1 is a schematic diagram for explaining the overall operation of the mobile membership card issuance and authentication system using a mobile communication terminal according to the present invention;

Figure 2 is a block diagram showing the configuration of a mobile membership card issuance and authentication system using a mobile communication terminal according to the present invention

Figure 3 is a block diagram showing an example of a mobile communication terminal used in the present invention

Figure 4 is a hierarchical diagram showing the hierarchy of the mobile membership card application program used in the present invention

5 is a block diagram showing the configuration of the mobile membership card management server shown in FIG.

6 is a flowchart illustrating a process of designing and designing a mobile membership card by a mobile membership card issuer in the present invention;

7 is a flowchart illustrating a process of issuing, reissuing and deleting a mobile membership card by a mobile communication terminal user in the present invention.

8 is a view showing an example of applying a mobile membership card issuance and authentication system using a mobile communication terminal according to the present invention to a car insurance, a fire car insurance application sub-menu

<Explanation of symbols for main parts of the drawings>

100: mobile communication terminal 101: antenna

102: wireless signal processing unit 103: modem

104: speaker 105: microphone

106: codec 107: key input unit

108: RAM 109: FLASH ROM

110: EEPROM 111: LCD display unit

112: central processing unit 200: mobile communication server

300: MMC Card Issuance and Certification Center

311: mobile information server 312: web server

313 XML web service server 321 Main server

322: MMC Card Management Server 323: Key Management Server

324: Audit Server 325: LDAP Server

326: billing server 327: authentication server

328: UMS Server 330: Database

331: card issuer database 332: membership management database

333: Billing information storage database

334: Audit record storage database

400: MMC Card Issuer 411: Web Server

412: Database 413: Management Console

420: MMC Card Issuer 421: Management Console

500: MMC Card ON / OFF Line Merchant

600: communication network

701: MMC card application programming interface layer

702: MMC card management layer

703: MMC Card Network Management Layer

704: MMC card device management layer

705: MMC card interpreter layer

706: MMC card encryption module layer

707: MMC card file system management layer

708: phone operating system (OS) application layer

709: Phone Hardware Access Layer

810: legacy host system interface unit

811: Customer Information System Interface

812: Customer Service System Interface

820: key management unit

830: core MMC card management system

831: Card and application inventory

832: Portfolio Profile

833: card profile 834: application profile

840: mobile interface unit

841: Transaction, Messaging, Billing, and Logging Engines

842: Download Server

850: Card Creation and Personalization

860: application storage unit

870: application provider interface unit

871: CIS Application Provider

872: CSS Application Provider

873: Application Provider Key

900: A fire car insurance MMC card application submenu

910: Insurance Period Sub Menu

920: Insurance Details Sub Menu

930: Insurance consultation telephone number submenu

940: emergency service submenu

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for issuing and authenticating a mobile membership card using a mobile communication terminal, a method thereof, and a recording medium storing a computer program source thereof, and in particular, a mobile membership card; MMC card issuing and authentication system using a mobile communication terminal that can use a membership card using a mobile communication terminal without a separate physical card by downloading and storing in the mobile communication terminal) (hereinafter also referred to as 'MMC card') and its method And a recording medium storing a computer program source for the method.

Recently, issuance of credit card and mobile membership card (MMC) is rapidly spreading. In the case of the MMC card, it is used in various fields such as department stores, fast food restaurants, restaurants, beauty salons, book rental stores, video rental stores, leisure / travel agencies, cultural centers / theatres, hospitals / medical centers, sports centers, internet PC rooms, and hotels. Doing.

Conventional MMC card is made of a physical form such as a plastic card, paper card, magnetic stripe (MS) card, smart card (Smart Card), smart chip card (Smart Chip Card). Therefore, the user has a inconvenience in having to carry several membership cards with a credit card at all times in a wallet.

In addition, the conventional MMC card is applied for after the user has registered in a business that issues the MMC card, and after a certain period of time from the date of application was able to receive the MMC card applied through the mail.

In addition, a conventional issuer of issuing an MMC card has a difficult problem of predicting and issuing card demand when issuing a card. If a lot of MMC cards are issued, the cost is high, and if a lot is issued, it is difficult to determine how many more cards should be issued.

In addition, the physical card, such as the conventional MMC card has a disadvantage in that the cost is generated by delivering the notice or delivery to the card user through the telephone, fax or mail, etc., and the delivery effect is not very large.

An object of the present invention is to solve the above problems, by downloading and storing a mobile membership card (MMC) in a mobile communication terminal on the (ON) / OFF (OFF) line to make the MMC card as a merchant without a physical card The present invention provides a system for issuing and authenticating an MMC card using a mobile communication terminal capable of using an MMC card at a merchant and a recording medium storing a computer program source thereof.

It is still another object of the present invention to provide an MMC card issuing and authentication system using a mobile communication terminal that transmits a notice or delivery to a mobile communication terminal without a telephone, fax, or mail to a MMC card user, and a method and a method thereof. The present invention provides a recording medium storing a computer program source.

Mobile MMC card issuance and authentication method using a mobile communication terminal according to the present invention for achieving the above object,

In the mobile membership card issuance and authentication method using a mobile communication terminal,

After a mobile membership card (MMC) issuer receives an MMC card application provider key from an MMC card issuing and authentication center, designing and designing MMC card member information and an MMC card and transmitting it to the MMC card issuing and authentication center;

A user of the mobile communication terminal downloading an MMC card application program through a communication network and installing the MMC card application program in his mobile communication terminal;

The user of the mobile communication terminal drives the MMC card application program installed in his mobile communication terminal to access the MMC card issuing and authentication center, and then registers a member if not a member and performs a member authentication process if a member. Doing;

After the member authentication, the user of the mobile communication terminal receives an MMC card framework from the MMC card issuing and authentication center to apply for issuing an MMC card;

Determining whether to approve the MMC card requested by the mobile communication terminal user in the MMC card issuing and authentication center, generating a card member number, and transmitting a profile of the MMC card to the mobile communication terminal;

Personalizing, encrypting, and storing a profile of an MMC card transmitted from the MMC card issuing and authentication center by the MMC card application program of the mobile communication terminal; And

And presenting a mobile communication terminal in which the MMC card is stored to an ON / OFF line affiliate store of the MMC card to authenticate the MMC card member.

The MMC card issuer is characterized by delivering the announcement and delivery of the MMC card to the MMC card application program of the mobile communication terminal through a communication network.

The MMC card application program installed in the mobile communication terminal may be downloaded through any one of a mobile communication company server, a web of the MMC card issuing and authentication center, and a web of the MMC card issuer.

The MMC card application program is characterized in that it supports an interface function for interworking with a SIM card and a USIM module in the form of a smart card installed in the mobile communication terminal.

The hierarchical structure of the MMC card application program,

An MMC card application programming interface layer which enables operation by any one of scripting and intermediate languages described by the MMC card issuer when driving an MMC card stored in an application program of the mobile communication terminal;

An MMC card management layer for storing and managing the MMC card in a memory area of the mobile communication terminal, and selecting the stored MMC card at the request of the user of the mobile communication terminal;

An MMC card network management layer for enabling data communication between the mobile communication terminal and the MMC card issuing and authentication center;

An MMC card device management layer for allowing the MMC card to access and control hardware of the mobile communication terminal;

A basic application for operating the MMC card stored in the application program of the mobile terminal to be operated by any one of scripting and intermediate languages described by the MMC card issuer, and to provide various additional functions. An MMC card interpreter layer functioning as a programming interface;

An MMC card encryption module layer for encrypting the MMC card so as to have security;

Read and write the MMC card into the memory area of the mobile communication terminal, and perform dual encryption / decryption functions through the system ID of the mobile communication terminal and the member number of the MMC card. An MMC card file system management layer to perform and conceal data;

A mobile communication terminal operating system (OS) application layer functioning as an application programming interface provided by an operating system (OS) of the mobile communication terminal; And

And the phone hardware access layer for controlling hardware of the mobile communication terminal.

The MMC card issuer designing and designing the MMC card may include: registering the MMC card issuer with an MMC card issuer and authentication center and receiving an application provider key; The MMC card issuer performing an issuer authentication process; Inputting a name and a purpose of an MMC card to be added by selecting an add card menu from a menu of an MMC card provided from the MMC card issuing and authentication center after the issuer authentication; Issuing an application key to the MMC card issuer after classifying products of the card according to the purpose of the MMC card in the MMC card issuing and authentication center; And after the MMC card issuer designs, designs, or updates the MMC card, and transmits the MMC card to the MMC card issuing and authentication center.

Deciding on the MMC card transmitted by the MMC card issuer and notifying the MMC card issuer of the result of the deliberation; And posting the newly issued MMC card by the MMC card issuer on the web of the MMC card issuance and authentication center.

Selecting a card modification menu from a menu of an MMC card provided from the MMC card issuing and authentication center; Transmitting information of the previously issued MMC card to the MMC card issuer at the MMC card issuing and authentication center; Selecting, by the MMC card issuer, an MMC card to be modified and then selecting a modification menu; And designing and designing or updating the MMC card to be modified by the MMC card issuer and then transmitting the MMC card to the MMC card issuing and authentication center.

Deciding on the MMC card transmitted by the MMC card issuer and notifying the MMC card issuer of the result of the deliberation; And posting the newly issued MMC card by the MMC card issuer on the web of the MMC card issuance and authentication center.

Selecting a card deletion menu from a menu of an MMC card provided from the MMC card issuing and authentication center; Transmitting information of the previously issued MMC card to the MMC card issuer at the MMC card issuing and authentication center; Selecting, by the MMC card issuer, an MMC card to be deleted and then selecting a delete menu; And deciding the MMC card to be deleted by the MMC card issuer at the MMC card issuing and authentication center and notifying the MMC card issuer of the result of the deliberation. And deleting the MMC card newly deleted by the MMC card issuer from the web of the MMC card issuing and authentication center.

The profile of the MMC card is characterized in that it includes a personal identification number, image information and function information of the MMC card.

If the user of the mobile terminal is a non-member member registration method, the method comprising: accessing the MMC card issuing and authentication center and then registering; And receiving a member's unique number according to the member registration and storing it in a personalized and encrypted manner in the MMC card application program of its mobile communication terminal.

Requesting, by the mobile terminal user, to reissue an MMC card using the MMC card framework; Transmitting the previously issued MMC card list in the MMC card issuing and authentication center to the MMC card application program of the mobile communication terminal; Requesting a card reissue by selecting a reissue target card by the user; Retrieving the card member number after approving reissue of the card at the MMC card issuing and authentication center; And receiving the profile of the reissued MMC card from the MMC card issuing and authentication center and personalizing, encrypting and storing the MMC card in the MMC card application program of the mobile communication terminal.

The profile of the MMC card is characterized in that it includes a personal identification number, image information and function information of the MMC card.

Requesting deletion of an MMC card using the MMC card framework; Transmitting the previously issued MMC card list in the MMC card issuing and authentication center to the MMC card application program of the mobile communication terminal; Selecting a card to be deleted by the user and requesting card deletion; And deleting the target card from the user's mobile communication terminal and notifying the MMC card issuer of the card member withdrawal.

The user of the mobile communication terminal, the on-line merchant of the MMC card is authenticated to be an MMC card member by driving the MMC card application program of the mobile communication terminal to present a personal identification number of the corresponding MMC card, the MMC card The off-line affiliated shop is characterized in that the MMC card application program of the mobile communication terminal is selected to select the corresponding MMC card and present the issued card image and card information to be authenticated as an MMC card member.

The MMC card issuer is A fire car insurance MMC issuer, the MMC card application program is A fire car insurance MMC card application program, the MMC card is A fire car insurance MMC card, and the MMC card framework is A fire car The insurance MMC card framework, wherein the profile of the MMC card is characterized in that the profile of the A fire car insurance MMC card.

The profile of the A fire car insurance MMC card stored in the mobile communication terminal includes the A fire car insurance application submenu, and the A fire car insurance application submenu includes an insurance period submenu, insurance details submenu, and insurance. And a service call submenu and an emergency service submenu.

The insurance subscription period sub-menu indicates an insurance subscription period of the A fire car insurance subscribed to by the user of the mobile communication terminal.

The insurance subscription period sub-menu is characterized by displaying the remaining days remaining until the insurance expiration date of the A fire car insurance subscribed by the user of the mobile communication terminal by counting by date.

The insurance period is the data information stored in the mobile communication terminal when the user of the mobile terminal is insured, the function of counting the remaining insurance days by the insurance expiration date by date A fire car insurance MMC installed in the mobile terminal And counted by a count program embedded in the card application program.

The insurance subscription sub-menu indicates the insurance subscription that the user of the mobile communication terminal has subscribed to the fire A, wherein the insurance subscription includes a total insurance subscription amount, liability insurance premium, interpersonal subscription amount, and object subscription amount. It is characterized by.

The insurance sub-menu is characterized in that it displays the expected new insurance subscription amount required for new insurance under the current conditions.

The insurance subscription information is data information stored in the mobile communication terminal when the mobile terminal user is insured, the calculation of the expected new insurance subscription amount is built in the A fire car insurance MMC card application program installed in the mobile communication terminal It is characterized by being calculated by the insurance quote estimate program.

The insurance consultation telephone number sub-menu is characterized in that the connection to the consultation telephone number of the A fire.

The emergency service sub-menu includes an emergency service telephone number class menu and an emergency service provision history class menu.

The emergency service telephone number class menu is characterized by connecting to the emergency service telephone number of the A fire.

The emergency service provision class menu shows emergency service provision, and the emergency service provision includes a free towing service, a free fueling service, a tire replacement service, and a door lock release service.

The A fire car insurance MMC card issuer is characterized in that the delivery of the announcement and delivery of the A fire car insurance MMC card to the MMC card application program of the mobile communication terminal through a communication network.

The A fire car insurance MMC card application program installed in the mobile communication terminal is downloaded through any one of a mobile communication company server, a Web of the MMC card issuing and authentication center, and a web of the A fire car insurance MMC card issuer. It is characterized by receiving.

Mobile membership card issuance and authentication system using a mobile communication terminal according to the present invention for achieving the above object,

A mobile communication terminal user having a mobile membership card (MMC) application program installed thereon drives and connects the MMC card application program, and assigns an MMC card member number to the mobile communication terminal by an MMC card member application of the mobile communication terminal user. The MMC card framework is transmitted to the mobile communication terminal to receive an MMC card issuance request from the user of the mobile communication terminal, the profile of the MMC card is transmitted to the mobile communication terminal, and an MMC card application provider key is given to the MMC card issuer. An MMC card issuance and authentication center receiving the added or modified MMC card; And

MMC card issuer for receiving the MMC card application provider key from the MMC card issuing and authentication center and transmits MMC card member information and MMC card information changed by addition, modification and deletion to the MMC card issuing and authentication center. Characterized in that.

The mobile communication terminal personalizes and encrypts the profile of the MMC card received from the MMC card issuing and authentication center, and stores the data in its own memory.

Receiving the profile of the MMC card stored in the mobile communication terminal characterized in that it further comprises an ON (OFF) / off (OFF) line merchants of the MMC card to authenticate the user of the MMC card member.

The profile of the MMC card is characterized in that it includes a personal identification number, image information and function information of the MMC card.

The MMC card issuing and authentication center may include: a mobile information server connected to the mobile communication company server through a communication network and providing an interface to exchange information with each other; A web server for providing users with a file containing a web page; An extensibility generation language (XML) web service server that services through a website using extensibility generation language (XML); A main server for operating and managing each server and database constituting the MMC card issuing and authentication center; An MMC card management server for issuing and managing the MMC card and recruiting and managing MMC card members; A key management server that manages the MMC card issuer and issues and manages a key value for issuing the MMC card; An audit server for recording a card issuing state and a processing state using an identification number and a date and time of the mobile communication terminal, and auditing various situations caused by the mobile communication terminal accessing the MMC card issuing and authentication center; A billing server for recording and managing billing according to card issuance for the MMC card issuer and the mobile communication terminal user; An authentication server for authenticating whether the mobile terminal user is a member; And a Unified Messaging System (UMS) server for delivering the delivery matters from the MMC card issuer to the mobile communication terminal.

The MMC card issuing and authentication center may include: a card issuer database storing MMC card menu information provided to the user's mobile communication terminal and information on the MMC card issuer; A membership management database storing member information of the MMC card; A billing information storage database for storing billing according to card issuance for the MMC card issuer and the mobile communication terminal user; And an audit record storing database storing the audited contents of the audit server and storing the card issuing state and processing state using the identification number and date and time of the mobile communication terminal.

The mobile information server may include a wireless application protocol (WAP) gateway system for converting a signal to enable communication with the mobile communication terminal through the communication network; A document conversion system for converting the document into one of recognizable document and short message service (SMS) data; And a protocol adapter for enabling a protocol with the mobile communication company server.

The MMC card management server includes a function of locking and blocking the MMC card at the request of any one of the MMC card issuer and the user of the mobile communication terminal.

The MMC card management server, if the MMC card issuer is given an MMC card application provider key and has a user database, it provides an interface for interworking with the MMC card management server.

The MMC card management server, the MMC card issuer includes a function that provides an interface that can work with the MMC card issuer of another MMC card when providing membership benefits including points and miles with other MMC card. It is done.

The MMC card management server transmits an MMC card framework to the mobile communication terminal in response to an MMC card issuance or reissue request of the mobile communication terminal user, and receives or issues MMC card information input by the mobile communication terminal user. It is characterized by analyzing whether reissue is possible and transmitting the result to the mobile communication terminal.

The MMC card management server generates a member number of the corresponding MMC card by approval of membership of the MMC card applied by the mobile communication terminal user, and manages MMC card members.

The MMC card issuer may include: a first MMC card issuer including a web server, a database, and a management console; And a second MMC card issuer including a management console.

The MMC card issuer is connected to the MMC card issuing and authentication center through any one of the issuer and administrator console application program and the Web.

The MMC card management server may include: a legacy host system interface unit for interfacing with the MMC card issuer's member database, MMC card point, and mileage service information to interface with the MMC card issuer's web server; A key manager for generating, storing, and canceling the MMC card key, an application provider key, and an application key; A customer database for storing member information of the MMC card, a card database for storing device information of the mobile communication terminal, an application database for storing application information of a card designed and designed by the MMC card issuer, and the purpose of using the MMC card. And a card and application inventory that defines a correlation to a product database classified by type, and a card profile that provides the mobile terminal user with information for issuing a card meeting the conditions of the mobile terminal. A core MMC card management system unit including a portfolio profile including an application profile for providing the mobile terminal user with information for issuing an application meeting a condition of the mobile terminal; The mobile terminal records a log of a series of operations applied for, issued, reissued or terminated by the user of the mobile terminal in a database, and notifies the MMC card issuer of the result through the Unified Messaging Processing System (UMS). A mobile interface unit including a transaction messaging billing and logging engine responsible for billing according to this case, and a download server for downloading a card requested by the mobile terminal user to the mobile terminal; A card generation and personalization unit for generating and personalizing the MMC card; An application storage unit for storing images and scripts of a mobile membership card designed and designed by the MMC card issuer; And a customer information system application provider providing a member database of the MMC card issuer, a customer service system application provider providing a point or mileage service policy provided by the MMC card issuer, and issuing the MMC card issuing the MMC card. And an application provider interface including an application provider key provided to the child.

The mobile membership card (MMC) management server further comprises a subscriber identity module (SIM) card, a wide area subscriber identity module (USIM) card, and a user identity module (UIM) card.

The SIM card includes a security function, a debit card function, a credit card function, and a bus card function.

The mobile membership card (MMC) application program further includes a subscriber identity module (SIM) card, a wide area subscriber identity module (USIM) card, and a user identity module (UIM) card.

The legacy host system interface unit may include a customer information system (CIS) interface that defines interworking with the database of the MMC card issuer; And a customer service system (CSS) interface that defines interworking with points or mileage service policies provided by the MMC card issuer.

The key manager may include a hardware security module (HSM) device.

The key management server is characterized in that it comprises a hardware security module (HSM) server to enhance the security function.

The UMS server is characterized in that it comprises a system for transmitting a short message transmission system (SMS), multimedia transmission system (MMS), fax (FAX) / voice message, email (E-Mail).

The MMC card issuer is characterized by delivering the announcement and delivery of the MMC card to the MMC card application program of the mobile communication terminal through a communication network.

The MMC card application program is characterized in that it supports an interface function for interworking with a SIM card and a USIM module in the form of a smart card installed in the mobile communication terminal.

The hierarchical structure of the MMC card application program may be operated by any one of scripting and intermediate languages described by the MMC card issuer when driving the MMC card stored in the application program of the mobile communication terminal. An MMC card application programming interface layer; An MMC card management layer for storing and managing the MMC card in a memory area of the mobile communication terminal, and selecting the stored MMC card at the request of the user of the mobile communication terminal; An MMC card network management layer for enabling data communication between the mobile communication terminal and the MMC card issuing and authentication center; An MMC card device management layer for allowing the MMC card to access and control hardware of the mobile communication terminal; A basic application for operating the MMC card stored in the application program of the mobile terminal to be operated by any one of scripting and intermediate languages described by the MMC card issuer, and to provide various additional functions. An MMC card interpreter layer functioning as a programming interface; An MMC card encryption module layer for encrypting the MMC card so as to have security; Read and write the MMC card into the memory area of the mobile communication terminal, and perform dual encryption / decryption functions through the system ID of the mobile communication terminal and the member number of the MMC card. An MMC card file system management layer to perform and conceal data; A mobile communication terminal operating system (OS) application layer functioning as an application programming interface provided by an operating system (OS) of the mobile communication terminal; And the phone hardware access layer for controlling hardware of the mobile communication terminal.

Recording medium storing a computer program source for the mobile membership card issuance and authentication method using a mobile communication terminal according to the present invention for achieving the above object,

After a mobile membership card (MMC) issuer receives an MMC card application provider key from an MMC card issuing and authentication center, designing and designing MMC card member information and an MMC card and transmitting it to the MMC card issuing and authentication center;

A user of the mobile communication terminal downloading an MMC card application program through a communication network and installing the MMC card application program in his mobile communication terminal;

The user of the mobile communication terminal drives the MMC card application program installed in his mobile communication terminal to access the MMC card issuing and authentication center, and then registers a member if not a member and performs a member authentication process if a member. Doing;

After the member authentication, the user of the mobile communication terminal receives an MMC card framework from the MMC card issuing and authentication center to apply for issuing an MMC card;

Determining whether to approve the MMC card requested by the mobile communication terminal user in the MMC card issuing and authentication center, generating a card member number, and transmitting a profile of the MMC card to the mobile communication terminal;

Personalizing, encrypting, and storing a profile of an MMC card transmitted from the MMC card issuing and authentication center by the MMC card application program of the mobile communication terminal; And

And presenting a mobile communication terminal in which the MMC card is stored to an ON / OFF line affiliate store of the MMC card to authenticate the MMC card member.

The MMC card issuer is characterized by delivering the announcement and delivery of the MMC card to the MMC card application program of the mobile communication terminal through a communication network.

The MMC card application program installed in the mobile communication terminal may be downloaded through any one of a mobile communication company server, a web of the MMC card issuing and authentication center, and a web of the MMC card issuer.

The MMC card application program is characterized in that it supports an interface function for interworking with a SIM card and a USIM module in the form of a smart card installed in the mobile communication terminal.

The hierarchical structure of the MMC card application program may be operated by any one of scripting and intermediate languages described by the MMC card issuer when driving the MMC card stored in the application program of the mobile communication terminal. An MMC card application programming interface layer; An MMC card management layer for storing and managing the MMC card in a memory area of the mobile communication terminal, and selecting the stored MMC card at the request of the user of the mobile communication terminal; An MMC card network management layer for enabling data communication between the mobile communication terminal and the MMC card issuing and authentication center; An MMC card device management layer for allowing the MMC card to access and control hardware of the mobile communication terminal; A basic application for operating the MMC card stored in the application program of the mobile terminal to be operated by any one of scripting and intermediate languages described by the MMC card issuer, and to provide various additional functions. An MMC card interpreter layer functioning as a programming interface; An MMC card encryption module layer for encrypting the MMC card so as to have security; Read and write the MMC card into the memory area of the mobile communication terminal, and perform dual encryption / decryption functions through the system ID of the mobile communication terminal and the member number of the MMC card. An MMC card file system management layer to perform and conceal data; A mobile communication terminal operating system (OS) application layer functioning as an application programming interface provided by an operating system (OS) of the mobile communication terminal; And the phone hardware access layer for controlling hardware of the mobile communication terminal.

The MMC card issuer designing and designing the MMC card may include: registering the MMC card issuer with an MMC card issuer and authentication center and receiving an application provider key; The MMC card issuer performing an issuer authentication process; Inputting a name and purpose of an MMC card to be added by selecting a card addition menu from a menu of an MMC card provided from the MMC card issuing and authentication center after the issuer authentication; Issuing an application key to the MMC card issuer after classifying products of the card according to the purpose of the MMC card in the MMC card issuing and authentication center; And after the MMC card issuer designs, designs, or updates the MMC card, and transmits the MMC card to the MMC card issuing and authentication center.

Deciding on the MMC card transmitted by the MMC card issuer and notifying the MMC card issuer of the result of the deliberation; And posting the newly issued MMC card by the MMC card issuer on the web of the MMC card issuance and authentication center.

Selecting a card modification menu from a menu of an MMC card provided from the MMC card issuing and authentication center; Transmitting information of the previously issued MMC card to the MMC card issuer at the MMC card issuing and authentication center; Selecting, by the MMC card issuer, an MMC card to be modified and then selecting a modification menu; And designing and designing or updating the MMC card to be modified by the MMC card issuer and then transmitting the MMC card to the MMC card issuing and authentication center.

Deciding on the MMC card transmitted by the MMC card issuer and notifying the MMC card issuer of the result of the deliberation; And posting the newly issued MMC card by the MMC card issuer on the web of the MMC card issuance and authentication center.

Selecting a card deletion menu from a menu of an MMC card provided from the MMC card issuing and authentication center; Transmitting information of the previously issued MMC card to the MMC card issuer at the MMC card issuing and authentication center; Selecting, by the MMC card issuer, an MMC card to be deleted and then selecting a delete menu; And deciding the MMC card to be deleted by the MMC card issuer at the MMC card issuing and authentication center and notifying the MMC card issuer of the result of the deliberation. And deleting the MMC card newly deleted by the MMC card issuer from the web of the MMC card issuing and authentication center.

The profile of the MMC card is characterized in that it includes a personal identification number, image information and function information of the MMC card.

If the user of the mobile terminal is a non-member member registration method, the method comprising: accessing the MMC card issuing and authentication center and then registering; And receiving a member's unique number according to the member registration and storing it in a personalized and encrypted manner in the MMC card application program of its mobile communication terminal.

Requesting, by the mobile terminal user, to reissue an MMC card using the MMC card framework; Transmitting the previously issued MMC card list in the MMC card issuing and authentication center to the MMC card application program of the mobile communication terminal; Requesting a card reissue by selecting a reissue target card by the user; Retrieving the card member number after approving reissue of the card at the MMC card issuing and authentication center; And receiving the profile of the reissued MMC card from the MMC card issuing and authentication center and personalizing, encrypting and storing the MMC card in the MMC card application program of the mobile communication terminal.

The profile of the MMC card is characterized in that it includes a personal identification number, image information and function information of the MMC card.

Requesting deletion of an MMC card using the MMC card framework; Transmitting the previously issued MMC card list in the MMC card issuing and authentication center to the MMC card application program of the mobile communication terminal; Selecting a card to be deleted by the user and requesting card deletion; And deleting the target card from the user's mobile communication terminal and notifying the MMC card issuer of the card member withdrawal.

The user of the mobile communication terminal, the on-line merchant of the MMC card is authenticated to be an MMC card member by driving the MMC card application program of the mobile communication terminal to present a personal identification number of the corresponding MMC card, the MMC card The off-line affiliated shop is characterized in that the MMC card application program of the mobile communication terminal to select the corresponding MMC card and present the issued card image and card information to be authenticated as an MMC card member.

The MMC card issuer is A fire car insurance MMC issuer, the MMC card application program is A fire car insurance MMC card application program,

The MMC card is A fire car insurance MMC card, the MMC card framework is A fire car insurance MMC card framework, the profile of the MMC card is characterized in that the profile of A fire car insurance MMC card.

The profile of the A fire car insurance MMC card stored in the mobile communication terminal includes the A fire car insurance application submenu, and the A fire car insurance application submenu includes an insurance period submenu, insurance details submenu, and insurance. And a service call submenu and an emergency service submenu.

The insurance subscription period sub-menu indicates an insurance subscription period of the A fire car insurance subscribed to by the user of the mobile communication terminal.

The insurance subscription period sub-menu is characterized by displaying the remaining days remaining until the insurance expiration date of the A fire car insurance subscribed by the user of the mobile communication terminal by counting by date.

The insurance period is the data information stored in the mobile communication terminal when the user of the mobile terminal is insured, the function of counting the remaining insurance days by the insurance expiration date by date A fire car insurance MMC installed in the mobile terminal And counted by a count program embedded in the card application program.

The insurance subscription sub-menu indicates the insurance subscription that the user of the mobile communication terminal has subscribed to the fire A, wherein the insurance subscription includes a total insurance subscription amount, liability insurance premium, interpersonal subscription amount, and object subscription amount. It is characterized by.

The insurance sub-menu is characterized in that it displays the expected new insurance subscription amount required for new insurance under the current conditions.

The insurance subscription information is data information stored in the mobile communication terminal when the mobile terminal user is insured, the calculation of the expected new insurance subscription amount is built in the A fire car insurance MMC card application program installed in the mobile communication terminal It is characterized by being calculated by the insurance quote estimate program.

The insurance consultation telephone number sub-menu is characterized in that the connection to the consultation telephone number of the A fire.

The emergency service sub-menu includes an emergency service telephone number class menu and an emergency service provision history class menu.

The emergency service telephone number class menu is characterized by connecting to the emergency service telephone number of the A fire.

The emergency service provision class menu shows emergency service provision, and the emergency service provision includes a free towing service, a free fueling service, a tire replacement service, and a door lock release service.

The A fire car insurance MMC card issuer is characterized in that the delivery of the announcement and delivery of the A fire car insurance MMC card to the MMC card application program of the mobile communication terminal through a communication network.

The A fire car insurance MMC card application program installed in the mobile communication terminal is downloaded through any one of a mobile communication company server, a Web of the MMC card issuing and authentication center, and a web of the A fire car insurance MMC card issuer. It is characterized by receiving.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic view for explaining the overall operation of the mobile membership card issuance and authentication system using a mobile communication terminal according to the present invention.

1, a mobile membership card issuance and authentication system using a mobile communication terminal according to the present invention is a mobile communication terminal 100, a mobile communication company server 200, MMC (Mobile Membership Card) card issuance and authentication center 300 ), An MMC card issuer 400 and an MMC card ON / OFF affiliate store 500.

First, the MMC card issuing and authentication center 300 grants an MMC card application provider key to an MMC card issuer 400 that issues a membership card, and then the MMC card issuer. M400 card member information and MMC card is provided from (400). Subsequently, when a user of the mobile communication terminal 100 having the MMC card application program is applied for a membership card through a mobile communication network or an Internet network, a personal identification number of the corresponding membership card is assigned and stored in the mobile communication terminal 100. Do it. In addition, when a user uses the membership card using the mobile communication terminal 100 in which the personal identification number of the membership card is embedded, the validity of the membership card issued to the user is determined and authenticated. In addition, the MMC card issuance and authentication center 300 provides an MMC service including an MMC card application program to the mobile communication company server 200.

The MMC card issuer 400 is a company or an office that issues an MMC card, and receives an MMC card application provider key from the MMC card issuing and authentication center 300, and then uses a Stand Alone Program (MMC card issuer management). Program) or Web to provide the MMC member information to the MMC card issuance and authentication center 300, and design and design the MMC card.

The mobile communication terminal 100 is a personal portable terminal using a wireless network including GSM, CDMA, PCS, IMT-2000 and the like. The mobile communication terminal 100 downloads an MMC card application program connected to the MMC card issuing and authentication center 300 through a mobile communication network or an internet network from the mobile communication company server 200, and stores it in its memory. Save it. In addition, when a user of the mobile communication terminal 100 registers with the MMC card issuance and authentication center 300, the user stores member information and a password (password), and receives and stores a personal identification number of the MMC card.

The mobile communication company server 200 receives the MMC service including the MMC card application program from the MMC card issuing and authentication center 300, the mobile communication terminal 100 at the request of the user of the mobile communication terminal 100 Provides MMC card application program.

1, the operation of the mobile membership card issuance and authentication system using the mobile communication terminal according to the present invention will be described.

First, the MMC card issuer 400 receives an MMC card application provider key from the MMC card issuing and authentication center 300 (step S1), and then, via the stand alone program or the web. MMC member information is provided to the MMC card issuance and authentication center 300, and the MMC card is designed, designed, and provided (step S2).

The MMC card issuing and authentication center 300 provides an MMC service including an MMC card application program to the mobile communication company server 200 (step S3).

Next, the user of the mobile communication terminal 100 connects to the mobile communication company server 200 using his mobile communication terminal 100 and then connects to the MMC card issuing and authentication center 300. Request to download the MMC card application program (step S4).

The mobile communication company server 200 downloads and installs the MMC card application program to the mobile communication terminal 100 at the request of the user of the mobile communication terminal 100 (step S5).

Then, the user of the mobile communication terminal 100 executes the downloaded MMC card application program to access the MMC card issuance and authentication center 300 and then apply for membership (step S6).

As a result, the MMC card issuing and authentication center 300 approves the membership by the membership registration information input by the user of the mobile communication terminal 100 and then provides the MMC card framework (step S7). ). At this time, the MMC card issuing and authentication center 300 personalizes and encrypts the member information in the MMC card application of the mobile communication terminal 100.

Next, the user of the mobile communication terminal 100 selects one mobile membership card MMC from a menu of the mobile membership card MMC provided by the MMC card application and requests for issuance approval (step S8).

Thereafter, the MMC card issuing and authentication center 300 determines whether the MMC card requested by the user of the mobile communication terminal 100 has been approved and transmits the result to the mobile communication terminal 100. At this time, if issuance of the MMC card requested by the user is approved, a personal identification number of the MMC card requested by the user is assigned to the user's mobile communication terminal 100 (step S9). The MMC card application program of the mobile communication terminal 100 stores the personal identification number of the given MMC card after performing a personalization process.

Next, the user of the mobile communication terminal 100 purchases a product or provides a service at an MMC card ON / OFF affiliate store 500 that provides a benefit for an MMC card assigned a personal identification number. In order to receive the benefits given to the MMC card member after receiving, the mobile membership card (MMC) is presented instead of the physical MMC card as follows (step S10). That is, in the case of an on-line merchant, the MMC card application program is driven to present the personal identification number of the corresponding MMC card. In the case of OFF line, the MMC card application program is driven to select the MMC card. Present the issued card.

Thus, the MMC card ON (ON) / OFF (OFF) Merchant 500 provides the MMC card member after confirming the personal identification number or MMC card image of the MMC card presented by the user using the mobile communication terminal 100 Various benefits are provided (step S11).

2 is a block diagram showing the configuration of a mobile membership card issuance and authentication system using a mobile communication terminal according to the present invention.

As shown in FIG. 2, the mobile membership card issuance and authentication system using the mobile communication terminal according to the present invention includes a mobile communication terminal 100, a mobile communication company server 200, an MMC card issuance and authentication center 300, MMC card issuer 400 and communication network 600.

The mobile communication terminal 100 downloads the MMC card application program for accessing the MMC card issuing and authentication center 300 through the communication network 600 from the mobile communication company server 200 and stores it in its memory. do. The user of the mobile communication terminal 100 drives an MMC card application program to access the MMC card issuance and authentication center 300 and then applies for membership, and the MMC card issuance and authentication M300 provided from the authentication center 300 is provided. After selecting an MMC card using the card framework, the MMC card is given a personal identification number and stored in its own memory.

Here, in the MMC card application program installed in the mobile communication terminal 100, a user of the mobile communication terminal 100 accesses the MMC card issuing and authentication center 300 using the mobile communication terminal 100. In order to program, the personal identification number and card information of the MMC card issued by the MMC card issuing and authentication center 300 is stored in a personalized (Personalized) and encrypted. In addition, the MMC card application program is a program for interpreting the commands provided by the MMC card to perform the function. That is, the MMC card application program functions as an interpreter for converting a program written in a high-level language into a machine language that can be understood by a computer, so that the alarm, announcement, schedule, and the like from the MMC card issuer 400 may be recalled. Notifies the user of the mobile communication terminal 100. In addition, in order to reinforce financial or security, an interface for interworking with a SIM or USIM module in the form of a smart card that can be installed in the mobile communication terminal 100 is supported. In addition, the MMC card application program provides card information so that a user of the mobile communication terminal 100 can select multiple MMC cards.

The communication network 600 includes all wireless communication networks including an internet communication network and a mobile communication network.

As shown in FIG. 2, the MMC card issuing and authentication center 300 includes a mobile information server 311, a web server 312, an extensible markup language, and XML. Web service server 313, main server 321, MMC card management server 322, key management server 323, audit server 324, lightweight directory access protocol (LDAP) server ( 325, billing server 326, authentication server 327, UMS server 328, database (DB) 330.

Here, the mobile information server 311 is a server connected to the mobile communication company server 200 through the communication network 600, a wireless application protocol (WAP) gateway system, document conversion system And protocol adapters. The wireless application protocol (WAP) is a communication protocol that can quickly search and display information on the Internet using a mobile communication terminal. In addition, the wireless application protocol (WAP) allows a large amount of information to be transmitted in a short time by adopting a gateway method in consideration of characteristics of a mobile communication network having a slow transmission rate due to instability of communication quality. In addition, the gateway is installed between the mobile communication network and the Internet to convert a hypertext markup language (HTML) into a proprietary language called a wireless markup language (WML).

The language conversion system is a system for exchanging information with the mobile communication company server 200, and converts an existing hypertext generation language (HTML) or extensible markup language (XML) into a wireless generation language (WML), mHTML. Mobile communication terminals such as cHTML, XHTML, etc. are automatically converted into recognizable document or SMS (short message service) data. The protocol adapter functions to convert protocol compatible with the mobile communication company server 200.

In this case, the connection with the mobile communication terminal 100 is not limited to the wireless application protocol (WAP), and can be provided by converting the two devices so that both devices can recognize the Internet-based server and the mobile communication terminal 100. Any protocol can be included.

The web server 312 is a program server that provides users with files containing web pages. In order to service through the website, a web server program must be installed.

The extensibility generation language (XML) web service server 313 is an extension of a description language of a page on which a group called the World Wide Web Consorsium is performing standardization for the purpose of replacing the hypertext generation language (HTML). It is a program server that serves via a website using a castle generation language (XML).

The main server 321 operates and manages each server and database constituting the MMC card issuance and authentication center 300.

The MMC card management server 322 is a server for issuing an MMC card and managing the issued card. The MMC card management server 322 is a server for managing the issued card or the user of the mobile terminal 100 who receives and uses the MMC card issuer. It provides a function to lock and block the MMC card on demand. The MMC card management server 322 operates in conjunction with a card issuer database 331 and a member management database 332 for issuing MMC cards and managing members. In addition, the MMC card management server 322 provides an interface for interworking with the MMC card management server 322 when the MMC card issuer 400 has an MMC card application provider key and has a user database. . In addition, the MMC card management server 322 may interface with the MMC card issuer 400 of the MMC card when the MMC card company 400 provides membership benefits such as points or miles with the MMC card. To provide.

The MMC card management server 322 provides MMC card menu information to the mobile communication terminal 100 according to an MMC card issuance request of the user of the mobile communication terminal 100, and provides MMC card issuing information input by the user. It receives and analyzes whether it can be issued and transmits the result to the mobile communication terminal 100 of the user. At this time, the MMC card menu information provided to the user's mobile communication terminal 100 and the information regarding the issuance of the MMC card received from the user of the mobile communication terminal 100 are provided by the card issuer database 331 of the database 330. )

In addition, the MMC card management server 322 receives a membership application request from the user of the mobile communication terminal 100 and approves membership registration and manages it. At this time, the member registration information of the user of the mobile communication terminal 100 is stored in the member management database 332 of the database 330.

The key management server 323 manages the MMC card issuer 400 for issuing the MMC card, and issues and manages a key value for issuing an MMC card according to the MMC card issuer 400. A server for the purpose, including a hardware security module (HSM) server (not shown) to enhance security functions. Here, the hardware security module (HSM) server is a program server that manages and controls a hierarchy that becomes a storage device having various access characteristics.

The audit server 324 is a server that audits various situations that occur while the mobile communication terminal 100 is connected to the MMC card issuance and authentication center 300 to operate. That is, the audit server 324 records the card issuing state and processing state by using the identification number (telephone number) and date / time (Date / Time) of the mobile communication terminal 100 to audit the database 330. The data is stored in the record storage database 334.

The LDAP server 315 is a server that registers, updates, deletes, and searches directory information.

The billing server 326 is a server that records and manages billing according to card issuance contents when billing is required for the MMC card issuer 400 or the user of the mobile communication terminal 100 that issued the MMC card. The billing content is stored in the billing information storage database 333 of the database 330.

The authentication server 327 is a server for authenticating whether the user of the mobile communication terminal 100 is a member, and operates in conjunction with the member management database 332 of the database 330.

The Unified Messaging System (UMS) server 328 is for delivering a delivery matter or advertisement, such as an emergency notification, from the MMC card issuer 400 issuing the MMC card to the mobile communication terminal 100 of the MMC card member. It is a system for transmitting a short message transmission system (SMS), a multimedia transmission system (MMS), a fax (FAX), an e-mail or a voice message.

The database 330 includes a card issuer database 331, a member management database 332, a billing information storage database 333, and an audit record storage database 334.

Here, the card issuer database 331 provides MMC card issuing menu information provided to the mobile communication terminal 100 of the user of the mobile communication terminal 100 when there is a request for issuing an MMC card from the user of the mobile communication terminal 100. And information on the MMC card issuer 400 that issues an MMC card.

The member management database 332 stores membership registration information of the user of the mobile communication terminal 100 that has issued the MMC card. At this time, the membership registration information includes personal information such as name, resident registration number, address, telephone number, mobile phone number, ID (ID), password.

The billing information storage database 333 stores billing according to the card issuing contents when billing is required for the MMC card issuer 400 or the user of the mobile communication terminal 100 that issued the MMC card.

The audit record storage database 334 records various situations generated during the audit by the audit server 324 using the identification number (telephone number) and date / time (Date / Time) of the mobile communication terminal 100. It stores the publication status and processing status.

As shown in FIG. 2, the MMC card issuer 400 includes a plurality of MMC card issuers 410_n having a database of MMC card issuers and an MMC not having a database of MMC card issuers. Card issuer 420. At this time, the MMC card issuer 410_n includes a web server 411, a database (DB) 412, and a management console 413, and the MMC card issuer 420 is a management console. (Management Console) 421 is provided.

FIG. 3 is a block diagram illustrating the mobile communication terminal 100 used in the present invention, and illustrates a memory for receiving and storing an MMC card application program from the mobile communication company server 200.

As shown, the mobile communication terminal 100 includes an antenna 101, a wireless signal processing unit 102, a modem 103, a speaker 104, a microphone phone 105, a codec 106, a key input unit 107. ), A RAM 108, a flash ROM 109, an EEPROM 110, an LCD display 111, and a central processing unit 112.

The antenna 101 receives a signal transmitted from a mobile communication base station, and the wireless signal processor 102 demodulates a signal received through the antenna 101 and transmits the demodulated signal to the modem 103. The modem 103 performs demodulation, deinterleaving, and decoding on the frequency signal received through the radio signal processor 102, and the voice data signal received through the codec 106. Encoding, interleaving, modulation, etc. are performed on the. The codec 106 converts an analog signal received through the microphone phone 105 into a digital signal or converts a digital signal received through the modem 103 into an analog signal and outputs the analog signal. The speaker 104 outputs the voice signal of the other party received through the codec 106 as an audible sound, and the microphone phone 105 converts and inputs the voice input of the user as an electric voice signal. The key input unit 107 is a keypad for the user to input a key number. The RAM 108 stores transmission / reception data and the ticket application program transmitted from the mobile communication company. The flash ROM 109 stores a program for operating the mobile communication terminal 100. The EEPROM 110 stores an ID, a memory dial, a time, etc. of the mobile communication terminal 100. The LCD display 111 displays various characters or information. Finally, the central processing unit 112 includes the wireless signal processing unit 102, the modem 103, the speaker 104, the microphone phone 105, and the codec constituting the mobile communication terminal 100. 106, operations of the key input unit 107, the RAM 108, the flash ROM 109, the EEPROM 110, and the LCD display 111 are performed. Control each.

4 is a hierarchical structure diagram showing a hierarchical structure of a mobile membership card (MMC) application program used in the present invention.

Referring to Figure 4, the hierarchy of the mobile membership card (MMC) application program of the present invention is MMC card application programming interface layer 701, MMC card management layer 702, MMC card network management layer 703, MMC card Device management layer 704, MMC card interpreter layer 705, MMC card encryption module layer 706, MMC card file system management layer 707, phone operating system (OS) application layer 708, phone hardware access layer ( 709).

The hierarchical structure of the mobile membership card (MMC) application program is because the MMC card is made of an intermediate language or a script (Script) to access the operating system (OS) and the hardware device of the mobile communication terminal 100 and the image function of the membership card and It is configured to be scriptable to perform other functions (alarm function, chat, calendar, notice view, etc.).

The MMC card application programming interface layer 701 is responsible for the basic application programming interface provided by the MMC card issuer 400 to provide various additional functions to the user when designing a mobile membership card (MMC). Description by an issuer (scripting or intermediate language) when the MMC card is driven at the user's request on the mobile terminal 100; An abstraction layer that is responsible for the application programming interface that provides the ability to operate on an intermediate state before being translated into machine language.

The MMC card management layer 702 records the MMC card issued as a part for managing the plurality of MMC cards in the memory area (EEPROM, ROM) of the mobile communication terminal 100, and also the mobile communication terminal 100 An abstraction layer that provides the functionality to be selected by the user's needs.

The MMC card network management layer 703 is an abstraction layer that is responsible for communication of the mobile membership card (MMC), and is responsible for communication between the mobile communication terminal 100 and the MMC card issuance and authentication center 300. The MMC card network management layer 703 includes all protocols.

The MMC card device management layer 704 may include a hardware (eg, a microphone, a key input device, a speaker, an LCD screen, or an IRFM) of the mobile communication terminal 100. (RF) or Bluetooth (Blurtooth) is a device control management layer that can access and control the corresponding hardware device}.

The MMC card interpreter layer 705 is in charge of the basic application programming interface provided by the MMC card issuer 400 to provide various additional functions when designing the MMC card. Description (scripting or intermediate language) by the publisher when driven by the user's request on terminal 100; An abstraction layer that is responsible for the application programming interface that provides the ability to operate on an intermediate state before being translated into machine language.

The MMC card encryption module layer 706 is an encryption module such as Data Encryption Standard (DES), 3-DES, and Public Key Infrastructure (PKI) to provide security for the MMC card. An abstraction layer to provide

The MMC card file system management layer 707 is an abstraction layer that provides a function of reading and writing an MMC card in a storage device such as a memory area (EEPROM, ROM) of the mobile communication terminal 100. . In addition, this layer performs a double encryption / decryption function through the system ID (or phone number of the mobile communication terminal) of the corresponding mobile communication terminal 100 and the member number (personalized security key) of the MMC card. Layer to hide data.

The mobile communication terminal OS application layer 708 is an application programming interface layer provided by an operating system (OS) of the mobile communication terminal 100.

The mobile communication terminal hardware access layer 709 is a layer for controlling the hardware of the mobile communication terminal 100 and an operating system (eg, a phone operating system (OS) application layer 708) of the mobile communication terminal 100. } Can be accessed by

FIG. 5 is a block diagram showing the configuration of the mobile membership card (MMC) management server 322 shown in FIG.

The mobile membership card (MMC) management server 322 may include a legacy host system interface unit 810, a key management unit 820, and a core MMC card management system unit 830. ), A mobile interface unit 840, a card production and personalization unit 850, an application storage unit 860, and an application provider interface unit 870.

The legacy host system interface unit 810 is responsible for the interface between the core MMC card management system unit 830 and the MMC card issuer 400 interoperate with each other. That is, the MMC card issuer 400 is in charge of an interface for interworking with the member database or card policy (point, mileage service).

The legacy host system interface unit 810 may include a Customer Information System (CIS) interface 811 that defines interworking with the database 412 of the MMC card issuer 400, and the MMC card issuer. And a Customer Service System (CSS) Interface 812 that defines interworking with point or mileage service policies provided by 400.

The legacy host system interface unit 810 is configured based on the Simple Object Access Protocol (SOAP), and may include any protocol.

The key manager 820 is responsible for generating, storing, and canceling a card key, an application provider key, and an application key. In addition, the key manager 820 may interwork with a hardware security module (HSM) to perform an enhanced security function.

The core MMC card management system unit 830 includes a card, an application inventory 831, and a portfolio profile 832.

The card and application inventory 831 defines a correlation to a customer database, a card database, an application database, and a product database. Here, the customer database is a member information database. The card database is a database for handling device information of the mobile communication terminal 100 for issuing a mobile membership card (MMC), and the operating system (OS) and operating system of the mobile communication terminal 100 are provided. Version, screen size, security hardware device support (SIM, USIM), and mobile membership card version installed in the mobile communication terminal. The application database may include an application ID of a card designed and designed by the MMC card issuer 400, a memory size, a version, an encryption method, a protocol for connecting to a remote system, a corresponding MMC card application, It is a database for handling expiration date, card member number certification authority, and script contents information. Lastly, the product database is a database for classifying the MMC card according to the purpose and type of use. The product database is classified into categories such as medical, leisure, food, and tourism to classify applications.

The portfolio profile 832 includes a card profile 833 and an application profile 834. Here, the card profile 833 provides the user of the mobile communication terminal 100 with information for issuing a card meeting the conditions of the mobile communication terminal. In addition, the application profile 834 provides the user of the mobile communication terminal 100 with information for issuing an application meeting the conditions of the mobile communication terminal.

The mobile interface unit 840 includes a transaction, messaging, billing, and logging engine 841, a download server 842. Here, the transaction, messaging, billing, and logging engine 841 is a series of applications that the user of the mobile terminal 100 issues, issues, reissues, or terminates. An engine that records the log of work in the database and notifies the MMC card issuer 400 of the result through the Unified Messaging System (UMS) and charges accordingly. to be. The download server 842 plays a role of downloading a card applied by the user of the mobile communication terminal 100 to the mobile communication terminal 100.

The card production and personalization unit 850 includes a database storing images, scripts (or contents) of MMC cards designed and designed by the MMC card issuer 400, and the mobile communication. The terminal 100 performs a function of personalizing the user according to the user of the mobile communication terminal 100 for issuing a card from the user's member information.

The application storage unit 860 is a database that stores images, scripts (or contents thereof) of mobile membership cards designed and designed by the MMC card issuer 400.

The application provider interface unit 870 is a customer information system (CIS) application provider (871) for providing a member database of the MMC card issuer 400, and the point or mileage service policy provided by the MMC card issuer 400 And a customer service system (CSS) application provider 872 for providing an application provider key 873 provided to the MMC card issuer 400 for issuing the MMC card.

In addition, the MMC card management server 322, although not shown in Figure 5, Subscriber Identity Module (SIM) card, Universal Subscriber Identity Module (USIM) card, User Identification Module (User Identify Module) Module (UIM) card can be configured to include.

The subscriber identity module (SIM) card contains a phone number, a personal security key, and data necessary for operation of the mobile communication terminal. Thus, the card can be sent and received even when the card is removed and installed in a new mobile communication terminal. have. In addition to the security function, the SIM card can store all the information in the existing mobile communication terminal and can be used for other purposes such as a debit card, a credit card, and a bus card.

6 is a flowchart illustrating a process of designing and designing a mobile membership card by the mobile membership card issuer 400 according to the present invention.

Referring to FIG. 6, first, the MMC card issuer 400 should be given an application provider key from the MMC card issuing and authentication center 300 in order to acquire authority as an MMC card issuer. To this end, the MMC card issuer 400 drives the operator program and accesses the MMC card issuance and authentication center 300 (step S101).

Then, if the MMC card issuer 400 is not a member, the member information is input by a member subscription request (steps S102 to S103).

Next, when the MMC card issuing and authentication center 300 approves the operator (step S104) and approves membership to the MMC card issuer 400, the MMC card issuing and authentication center 300 issues an application provider key. It generates and provides it to the MMC card issuer 400 (step S105).

Then, the MMC card issuing and authentication center 300 requests login information from the MMC card issuer 400 (step S106). At this time, if the MMC card issuer 400 is a member in step S102, the process goes directly to step S106.

Then, when the MMC card issuer 400 inputs login information (for example, ID, password, etc.) (step S107), the MMC card issuing and authentication center 300 determines whether the login information is correct ( Step S108).

If the login information input by the MMC card issuer 400 is not correct, the process proceeds to step S106 to re-enter the login information. At this time, when the number of retries from the step S108 to the step S106 is less than a predetermined number n, it is possible to proceed to the step S106 from the step S108. If not, the process ends immediately in the step S106.

If the login information input by the MMC card issuer 400 is correct in step S108, the MMC card issuer 400 selects a card addition menu or a card modification and deletion menu (step S110).

In step S110, when the MMC card issuer 400 selects a card addition menu, the name and purpose of the card are input (step S111).

Next, the MMC card issuing and authentication center 300 classifies the products according to the purpose of the card input by the MMC card issuer 400 and gives the MMC card issuer 400 an application key for the card. (Step S112). In this case, when the MMC card issuer 400 issues a plurality of cards, an application key is used to classify products and a key value for distinguishing each card.

The MMC card issuer 400 then designs and designs an MMC card (step S113).

Then, the MMC card issuer 400 up-datas the design and function of the card to the MMC card issuing and authentication center 300 (step S114).

Next, the MMC card issuer and authentication center 300 notifies the MMC card issuer 400 of the MMC card issuer 400 after an operator deliberation on the MMC card requested by the MMC card issuer 400 (step S115). (Step S116).

At this time, as a result of the operator deliberation, when the MMC card issuer 400 deletes the applied MMC card is notified to the MMC card issuer 400 (step S117), the MMC card issued by the MMC card issuer 400 In the case of newly registering, the process of designing and designing the MMC card is terminated by posting on the Web (Web) of the MMC card issuing and authentication center 300 (step S118).

On the other hand, if the MMC card issuer 400 has selected the MMC card modify and delete menu in step S110, the existing application information that has been issued to the MMC card issuer 400 is displayed (step S119).

The MMC card issuer 400 then selects whether to modify or delete the card (step S120). In this case, when the MMC card issuer 400 selects an application for modifying a card, the process proceeds to the step S113, and when an application for deleting a card is selected, the process proceeds to the step S115.

7 is a flowchart illustrating a process of issuing, reissuing, and deleting a mobile membership card (MMC) by a user of the mobile communication terminal 100 according to the present invention.

Referring to FIG. 7, the user of the mobile communication terminal 100 drives a mobile membership card (MMC) application program installed in his mobile communication terminal 100 (step S201).

At this time, if the MMC card application program is not installed in the mobile communication terminal 100, the user of the mobile communication terminal 100 is the Web (Web) of the mobile communication company server 200, or the MMC card issuer 400 Alternatively, the MMC card application program is downloaded through the web of the MMC card issuing and authentication center 300 and installed in the mobile communication terminal 100 thereof.

After executing the MMC card application program, if the user of the mobile communication terminal 100 is a non-member, the MMC card issuing and authentication center 300 is connected (steps S202 to S203).

Then, the user of the mobile terminal 100 inputs the information necessary for membership and agrees to use the member information (step S204).

Then, after the member registration processing in the MMC card issuing and authentication center 300 (step S205), a member unique number (password) is assigned to the user of the mobile communication terminal 100.

Next, the MMC card application program of the mobile communication terminal 100 performs a personalization and encryption process (step S206).

Then, the user of the mobile communication terminal 100 enters a password (step S207).

Next, if the password of the user of the mobile communication terminal 100 matches, the user of the mobile communication terminal 100 is to select one of an MMC card issue, reissue, and delete menu (step S208).

In step S208, when the user of the mobile communication terminal 100 selects an MMC card issuing menu, the MMC card issuing and authentication center 300 sends an MMC card application program of the user's mobile communication terminal 100 to the user. A list of possible MMC card issuances is transmitted (step S209).

Then, when the user selects the card to be issued, the MMC card issuing and authentication center 300 requests the card issuing authorization from the MMC card issuer 400 (steps S210 to S211).

Then, when the card issuance is approved by the user of the mobile communication terminal 100, a member number of the target card is generated and the profile is transmitted to the MMC card application program of the user's mobile communication terminal 100 (steps S212 to S214). ). At this time, the transmitted profile includes the image and function of the MMC card.

Next, the MMC card application program of the mobile communication terminal 100 performs a card personalization process (step S215).

In step S212, if the card issuance is rejected to the user of the mobile communication terminal 100, the program is terminated.

On the other hand, in step S208, when the user of the mobile communication terminal 100 selects the MMC card reissue menu, the MMC card issuing and authentication center 300 in the MMC card application of the user's mobile communication terminal 100 The list of previously issued MMC cards is transmitted to the program (step S216).

Then, the user looks at the list of transferred MMC cards and selects a reissue target card (step S217).

Then, the target card member number is retrieved from the MMC card issuing and authentication center 300 (step S218), and then the profile is transmitted to the MMC card application program of the user's mobile communication terminal 100 (step S214). . Similarly, the transferred profile contains the images and functions of the MMC card.

Next, the MMC card application program of the mobile communication terminal 100 performs a card personalization process (step S215).

On the other hand, in step S208, when the user of the mobile communication terminal 100 selects the MMC card deletion menu, the MMC card issuing and authentication center 300 in the MMC card application of the user's mobile communication terminal 100 The list of previously issued MMC cards is transmitted to the program (step S219).

Then, the user looks at the list of transferred MMC cards and selects a card to be deleted (step S220).

Next, the MMC card application program of the mobile communication terminal 100 requests the MMC card issuing and authentication center 300 to delete the selected card, and deletes the target card in the mobile communication terminal 100. (Step S221).

Then, the MMC card issuing and authentication center 300 terminates the program by notifying the MMC card issuer 400 that the user of the mobile communication terminal 100 has been withdrawn from the member of the card (step S222).

In the above process, if member information is required when issuing or reissuing, the member information of the user of the mobile communication terminal 100 is input through the web or the mobile communication terminal 100 or the mobile communication service provider agrees to provide customer information. To the mobile communication company server 200 may be provided with information.

In addition, the MMC card issuer may issue and provide a physical card in parallel with the MMC card.

On the other hand, in the case of requesting the submission of the MMC card in the ON / OFF (OFF) merchants that provide benefits for the MMC card, the user of the mobile communication terminal 100 may be provided with the following method.

First, in the case of an on-line affiliated store, the MMC card application program installed in the mobile communication terminal 100 is selected to select a corresponding card and then issued a key value {or a one-time password; Submit a Challenge-response}.

Next, in the case of an off-line affiliated store, the MMC card application program installed in the mobile communication terminal 100 is driven to select a corresponding card and present the issued card. In the case of an off-line merchant, if there is a recognition device such as a water-mark reader, a bar-code reader, a radio frequency reader, or an infrared device reader, the MMC card is recognized and used. Can be. At this time, in the case of a radio frequency (RF) reader or an infrared device reader, a corresponding mobile communication terminal should be supported.

In addition, the user of the mobile communication terminal may receive information such as an announcement, an event notification function, an alarm function, etc. of the MMC card he subscribed through his mobile communication terminal (100).

The mobile terminal user must enter a password to drive the MMC card application program installed in the mobile terminal 100. In addition, the MMC card may have a separate public key infrastructure (PKI; encryption / decryption process) in addition to the authentication process performed by the MMC card issuance and authentication center 300 in order to improve a security function.

At this time, the authentication process may be performed using a phone number, a personal authentication key, and a personal identification number of the MMC card.

FIG. 8 illustrates an example in which a mobile membership card issuance and authentication system using a mobile communication terminal according to the present invention is applied to automobile insurance, and A fire car insurance MMC card application submenu 900 is illustrated. Here, A fire is an auto insurance company, and all companies (or workplaces) with auto insurance are included.

The A fire car insurance MMC card application sub-menu 900, as shown in Figure 8, the insurance period 910 sub-menu, insurance details 920 sub-menu, insurance consultation telephone number (930) sub-menu, Emergency service 940 includes a submenu.

The insurance period 910 submenu indicates an insurance period during which the user of the mobile communication terminal joins the fire. For example, "October 23, 2001-October 22, 2002."

In addition, the insurance period 910 sub-menu displays by counting the remaining insurance days remaining until the insurance expiration date by date. For example, 'Your insurance due date is 30 days away. Please refer to the insurance quote in the mobile phone certificate.

Herein, the insurance period is data information stored in the mobile communication terminal when the user of the mobile communication terminal is insured, and the function of counting the remaining insurance days until the insurance expiration date by date is A fire car installed in the mobile communication terminal. It is counted by a count program built into the insurance MMC card application program.

The insurance details sub-menu indicates insurance details for which the user of the mobile communication terminal has subscribed to the A fire. In this case, the insurance coverage includes the total insurance coverage, liability insurance premiums, interpersonal subscriptions, objective subscriptions, and the like.

In addition, the insurance details sub menu displays an estimate of new insurance under the current conditions. For example, 'Your new insurance is estimated at XXXXXX'.

Here, the insurance coverage is data information stored in the mobile communication terminal when the user of the mobile communication terminal is insured, the estimate of the new insurance subscription is insurance built into the A fire car insurance MMC card application program installed in the mobile communication terminal Calculated by the subscription estimate program.

The insurance consultation telephone number 930 submenu connects to the consultation telephone number of the A fire. That is, when the sub-menu of the insurance consultation telephone number 930 is automatically connected to the consultation telephone number of the A fire.

The emergency service 940 sub menu includes an emergency service telephone number class menu (not shown) and an emergency service provision history class menu (not shown).

The emergency service telephone number class menu connects to the emergency service telephone number of the A fire. That is, selecting the emergency service telephone number class menu is automatically connected to the emergency service telephone number of the A fire.

In addition, the emergency service provision class menu shows the emergency service provision. In this case, the emergency service provision details include a free towing service (for example, within 5 km), a free fueling service (for example, 10 liters (L)), a tire replacement service, a door lock release service, and the like. Include.

Hereinafter, the A fire car insurance MMC card application submenu 900 will be described in detail with reference to FIG. 1.

First, a mobile communication terminal user downloads the A fire car insurance MMC card application program through his mobile terminal 100 when he subscribes to car insurance (hereinafter referred to as 'A fire car insurance'). At this time, the A fire MMC card application program is any one of the web of the mobile communication company server 200, the Web of the MMC card issuing and authentication center 300, the web of the MMC card issuer 400 through a communication network Downloaded through and installed in the mobile communication terminal 100.

Then, when the user runs the A fire MMC card application program installed in his mobile communication terminal 100, the A fire car insurance MMC card application submenu 900 as shown in FIG. 8 is displayed on the screen. .

The user of the mobile communication terminal may display the insurance period 910 submenu, insurance details 920 submenu, insurance counseling phone number 930 submenu, emergency, which are shown in the A fire car insurance MMC card application submenu 900. Simply select one of the services 940 submenus.

If the user selects the sub-insurance period 910, the user of the mobile communication terminal counts and displays the remaining insurance days until the insurance expiration date and the remaining insurance days until the insurance expiration date.

If the user selects the insurance details sub-menu, the user of the mobile communication terminal displays an estimate of the new insurance coverage under the current insurance conditions and the insurance coverage subscribed to the A fire.

If the user selects the insurance counseling telephone number 930 submenu, the user automatically connects to the counseling telephone number of the A fire.

If the user selects the emergency service sub menu, the emergency service telephone number class menu and the emergency service provision history class menu are displayed.

At this time, if the user selects the emergency service telephone number class menu, it automatically connects to the emergency service telephone number of the A fire.

If the user selects the emergency service provision class menu, a free towing service (for example, within 5 km), a free fueling service (for example, 10 liters), a tire replacement service, a door lock (Door) Lock) It shows emergency service provision such as release service.

The system for issuing and authenticating a mobile membership card using a mobile communication terminal according to the present invention, and a method and a recording medium storing a computer program source for the method can also be used for a fellowship mobile membership card (MMC) service.

In general, fellowships and social gatherings require a high level of involvement and attachment to members. In order to reinforce this point, issuance of membership card should create a sense of belonging among members. Most organizations, however, are non-profit organizations, burdened with the cost of issuing cards, and most seek to exchange information and socialize through Internet sites.

In order for such a club to receive a mobile membership card (MMC) service related to the present invention, first, a background, an icon, a sound, a layout, and a color of a membership card are selected through an authoring tool provided by a website providing the service. Through the production, it determines the form of its own club membership card, builds a member database (DB) and transmits the MMC card application program to the member's mobile communication terminal.

Members who have received the MMC card application program can use the MMC card application program as a window for inquiring notices or pay dues, etc. Can be provided.

For membership verification, simply show the MMC card application program stored in the mobile terminal for membership verification at a specific event, or check the membership certification through the formal authentication procedure of the service provider website using the membership authentication function. Optionally available.

In addition, a mobile membership card issuance and authentication system using a mobile communication terminal according to the present invention, and a recording medium storing a computer program source for the method and the method can also be used in the fan club mobile membership card (MMC) service.

In general, fellowships and social gatherings require a high level of involvement and attachment to members.

Fan club operators can download the fan club MMC card application program for fan club members to provide member management and event functions between stars and members.

You can provide fan club members with the ability to organize free music, images, autographed images, etc., and sell them to fans, or create fan club items such as star images, sounds, autographs, and recent events. It provides the ability to

It makes it possible to monetize the background, icons, sounds, layouts, etc. of the stars, or provide a function that allows fan club members to select the desired background image as the background of the card so that they can differentiate among members, and fan club operators announce new songs. It can also be used as a window through which a response survey can be conducted beforehand.

In addition, for membership authentication, simply show the MMC card application program stored in the mobile terminal for membership verification at a specific fan club event or concert, or use the membership authentication function to perform the formal authentication process on the website. You can optionally use a method to verify authentication.

In addition, the mobile media card issuance and authentication system using a mobile communication terminal according to the present invention and a recording medium storing the computer program source for the method and method thereof, such as department stores, fast food restaurants, restaurants, beauty salons, book rental stores, It can be used in various fields such as video rental shop, leisure / travel agency, cultural center / theater, hospital / medical center, sports center, internet PC room, hotel, auto insurance company, fan club, club.

A system for issuing and authenticating a mobile membership card using a mobile communication terminal according to the present invention, and a method and a recording medium storing a computer program source for the method are embodied as computer readable codes on a computer readable recording medium. It is possible.

The computer-readable recording medium also includes all kinds of recording devices in which data that can be read by a computer system is stored. At this time, examples of computer-readable recording media include ROM, RAM, CD ROM, magnetic tape, floppy disk, optical data storage, and the like. Data transfer).

In addition, the computer-readable recording medium may be distributed and used in a computer system connected through a network, and may be stored and executed as computer-readable code in a distributed manner.

In addition, preferred embodiments of the present invention are disclosed for the purpose of illustration, those skilled in the art will be able to various modifications, changes, additions, etc. within the spirit and scope of the present invention, these modifications and changes should be seen as belonging to the following claims. something to do.

As described above, the mobile membership card issuance and authentication system according to the present invention, the recording medium storing the computer program source for the method and method thereof, the computer-readable recording medium, the mobile membership inside the mobile communication terminal Since it is possible to receive and store a card (MMC), it is possible to solve the problem of having a physical card in a wallet, and to provide a user with ease of carrying and convenience of use. In addition, the cost of issuing a physical card can be reduced.

The recording medium storing the mobile membership card issuing and authentication system according to the present invention, the method and the computer program source thereof is a computer-readable recording medium. The mobile communication card includes a plurality of mobile membership cards (MMC). By downloading and storing in a terminal, there is an effect that a membership card can be used by using a mobile communication terminal in an ON / OFF affiliate store having a corresponding mobile membership card (MMC) as an affiliate store without a physical card.

In addition, there is an effect that can be delivered to the mobile communication terminal to the user notice card or notices to the membership card via telephone, fax or mail.

Claims (85)

In the mobile membership card issuance and authentication method using a mobile communication terminal, After a mobile membership card (MMC) issuer receives an MMC card application provider key from an MMC card issuing and authentication center, designing and designing MMC card member information and an MMC card and transmitting it to the MMC card issuing and authentication center; A user of the mobile communication terminal downloading an MMC card application program through a communication network and installing the MMC card application program in his mobile communication terminal; The user of the mobile communication terminal drives the MMC card application program installed in his mobile communication terminal to access the MMC card issuing and authentication center, and then registers a member if not a member and performs a member authentication process if a member. Doing; After the member authentication, the user of the mobile communication terminal receives an MMC card framework from the MMC card issuing and authentication center to apply for issuing an MMC card; Determining whether to approve the MMC card requested by the mobile communication terminal user in the MMC card issuing and authentication center, generating a card member number, and transmitting a profile of the MMC card to the mobile communication terminal; Personalizing, encrypting, and storing a profile of an MMC card transmitted from the MMC card issuing and authentication center by the MMC card application program of the mobile communication terminal; And Presenting a mobile communication terminal storing the MMC card to an ON / OFF line affiliate store of the MMC card to authenticate the MMC card member; The hierarchical structure of the MMC card application program includes An MMC card application programming interface layer which enables operation by any one of scripting and intermediate languages described by the MMC card issuer when driving an MMC card stored in an application program of the mobile communication terminal; An MMC card management layer for storing and managing the MMC card in a memory area of the mobile communication terminal, and selecting the stored MMC card at the request of the user of the mobile communication terminal; An MMC card network management layer for enabling data communication between the mobile communication terminal and the MMC card issuing and authentication center; An MMC card device management layer for allowing the MMC card to access and control hardware of the mobile communication terminal; A basic application for operating the MMC card stored in the application program of the mobile terminal to be operated by any one of scripting and intermediate languages described by the MMC card issuer, and to provide various additional functions. An MMC card interpreter layer functioning as a programming interface; An MMC card encryption module layer for encrypting the MMC card so as to have security; Read and write the MMC card into the memory area of the mobile communication terminal, and perform dual encryption / decryption functions through the system ID of the mobile communication terminal and the member number of the MMC card. An MMC card file system management layer to perform and conceal data; A mobile communication terminal operating system (OS) application layer functioning as an application programming interface provided by an operating system (OS) of the mobile communication terminal; And The phone hardware access layer for controlling hardware of the mobile communication terminal; Mobile membership card issuance and authentication method using a mobile communication terminal comprising a. The method of claim 1, wherein the MMC card issuer transmits a notice and a transfer matter of the MMC card to an MMC card application program of the mobile communication terminal through a communication network. The mobile terminal of claim 1, wherein the MMC card application program installed in the mobile communication terminal is downloaded from any one of a mobile communication company server, a web of the MMC card issuing and authentication center, and a web of the MMC card issuer. Mobile membership card issuance and authentication method using a communication terminal. According to claim 1, The MMC card application program, Issuing a mobile membership card using a mobile communication terminal that supports the interface function for interworking with the SIM card and the USIM module of the smart card type installed in the mobile communication terminal And authentication method. delete The method of claim 1, wherein the MMC card issuer designs and designs the MMC card, The MMC card issuer registering with the MMC card issuing and authentication center and receiving an application provider key; The MMC card issuer performing an issuer authentication process; Inputting a name and purpose of an MMC card to be added by selecting a card addition menu from a menu of an MMC card provided from the MMC card issuing and authentication center after the issuer authentication; Issuing an application key to the MMC card issuer after classifying products of the card according to the purpose of the MMC card in the MMC card issuing and authentication center; And The MMC card issuer designing, designing, or updating an MMC card and sending it to the MMC card issuing and certification center; Mobile membership card issuance and authentication method using a mobile communication terminal comprising a. The method of claim 6, Deciding on the MMC card transmitted by the MMC card issuer and notifying the MMC card issuer of the result of the deliberation; And Posting the newly issued MMC card by the MMC card issuer on the web of the MMC card issuing and authentication center; Mobile membership card issuance and authentication method using a mobile communication terminal comprising a. The method of claim 6, Selecting a card modification menu from a menu of an MMC card provided from the MMC card issuing and authentication center; Transmitting information of the previously issued MMC card to the MMC card issuer at the MMC card issuing and authentication center; Selecting, by the MMC card issuer, an MMC card to be modified and then selecting a modification menu; And Designing, designing, or updating an MMC card to be modified by the MMC card issuer, and then transmitting to the MMC card issuing and certification center; Mobile membership card issuance and authentication method using a mobile communication terminal comprising a. The method of claim 8, Deciding on the MMC card transmitted by the MMC card issuer and notifying the MMC card issuer of the result of the deliberation; And Posting the newly issued MMC card by the MMC card issuer on the web of the MMC card issuing and authentication center; Mobile membership card issuance and authentication method using a mobile communication terminal comprising a. The method of claim 6, Selecting a card deletion menu from a menu of an MMC card provided from the MMC card issuing and authentication center; Transmitting information of the previously issued MMC card to the MMC card issuer at the MMC card issuing and authentication center; Selecting, by the MMC card issuer, an MMC card to be deleted and then selecting a delete menu; Deciding the MMC card to be deleted by the MMC card issuer at the MMC card issuing and authentication center and notifying the MMC card issuer of the result of the deliberation; And Deleting the MMC card newly deleted by the MMC card issuer from the web of the MMC card issuing and authentication center; Mobile membership card issuance and authentication method using a mobile communication terminal comprising a. The method of claim 1, wherein the profile of the MMC card includes a personal identification number, image information, and function information of the MMC card. The method of claim 1, wherein the method of registering a member when the user of the mobile communication terminal is a non-member, Accessing the MMC card issuance and authentication center and registering a member; And Receiving a member's unique number according to the member registration and storing it in an MMC card application program of a mobile communication terminal of the same as personalized and encrypted and storing the personalized number; Mobile membership card issuance and authentication method using a mobile communication terminal further comprising. The method of claim 1, Requesting, by the mobile terminal user, to reissue an MMC card using the MMC card framework; Transmitting the previously issued MMC card list in the MMC card issuing and authentication center to the MMC card application program of the mobile communication terminal; Requesting a card reissue by selecting a reissue target card by the user; Retrieving the card member number after approving reissue of the card at the MMC card issuing and authentication center; And Receiving a profile of the reissued MMC card from the MMC card issuing and authentication center and storing the personalized, encrypted and stored information in the MMC card application program of the mobile communication terminal; Mobile membership card issuance and authentication method using a mobile communication terminal further comprising. The method of claim 13, wherein the profile of the MMC card includes a personal identification number, image information, and function information of the MMC card. The method of claim 1, Requesting deletion of an MMC card using the MMC card framework; Transmitting the previously issued MMC card list in the MMC card issuing and authentication center to the MMC card application program of the mobile communication terminal; Selecting a card to be deleted by the user and requesting card deletion; And Notifying a card member withdrawal from the MMC card issuer after deleting the target card from the user's mobile communication terminal; Mobile membership card issuance and authentication method using a mobile communication terminal further comprising. The method of claim 1, wherein the user of the mobile communication terminal, The online merchant of the MMC card is operated by the MMC card application program of the mobile communication terminal to present the personal identification number of the MMC card to be certified as an MMC card member, The offline affiliated store of the MMC card runs the MMC card application program of the mobile communication terminal, selects the corresponding MMC card and presents the issued card image and card information to issue a mobile membership card using a mobile communication terminal that authenticates the membership of the MMC card. And authentication method. The method of claim 1, The MMC card issuer is A fire car insurance MMC issuer, The MMC card application program is A fire car insurance MMC card application program, The MMC card is A Fire Car Insurance MMC card, The MMC card framework is A fire car insurance MMC card framework, The profile of the MMC card is a mobile membership card issuing and authentication method using a mobile communication terminal that is a profile of A fire car insurance MMC card. The method of claim 17, The profile of the A fire car insurance MMC card stored in the mobile communication terminal includes the A fire car insurance application submenu, The A fire car insurance application sub-menu is a mobile membership card issuing and authentication method using a mobile communication terminal, including the insurance period sub-menu, insurance details sub-menu, insurance counseling phone number sub-menu, emergency service sub-menu. 19. The method of claim 18, wherein the sub-insurance period sub-menu indicates the sub-insurance period of the A fire car insurance subscribed to by the mobile terminal user. 20. The method of claim 19, wherein the sub-insurance period sub-menu issuing a mobile membership card using a mobile communication terminal for displaying the remaining days remaining on the insurance remaining days until the insurance expiration date of A fire car insurance subscribed to by the mobile communication terminal user. Authentication method. The method of claim 19 or 20, The insurance period is the data information stored in the mobile communication terminal user of the mobile communication terminal when the insurance, The function of counting the remaining insurance days by date until the insurance expiration date is a mobile membership card issuing and authentication method using a mobile communication terminal that is counted by a count program built in the A fire car insurance MMC card application program installed in the mobile communication terminal . 19. The method of claim 18, wherein the insurance details submenu indicates the insurance details that the user of the mobile communication terminal has subscribed to the A fire, The insurance subscription is a mobile membership card issuing and authentication method using a mobile communication terminal including the total insurance subscription amount, liability insurance premium, interpersonal subscription amount, object subscription amount. The mobile membership card issuing and authentication method of claim 22, wherein the insurance submenu displays an estimated amount of new insurance required for new insurance under current conditions. 24. The method of claim 22 or 23, wherein the insurance coverage is data information stored in the mobile communication terminal when the user of the mobile communication terminal is insured, The method of issuing and authenticating a mobile membership card using a mobile communication terminal, wherein the calculation of the expected amount of new insurance subscription is calculated by an insurance subscription estimate program embedded in the A fire car insurance MMC card application program installed in the mobile communication terminal. 19. The method of claim 18, wherein the insurance counseling telephone number submenu connects to the counseling telephone number of the A fire. 19. The method of claim 18, wherein the emergency service sub-menu includes an emergency service telephone number class menu and an emergency service provision history class menu. 27. The method of claim 26, wherein the emergency service telephone number class menu connects to the emergency service telephone number of the A fire. 27. The method of claim 26, wherein the emergency service provision class menu indicates emergency service provisions. The emergency service provision history is a mobile membership card issuing and authentication method using a mobile communication terminal, including a free towing service, free fueling service, tire replacement service, door lock release service. 18. The mobile membership of claim 17, wherein the A-fire car insurance MMC card issuer delivers the announcement and delivery of the A-fire car insurance MMC card to the MMC card application program of the mobile communication terminal through a communication network. How to issue and authenticate your card. 18. The A fire car insurance MMC card application program installed in the mobile communication terminal comprises: a mobile communication company server, a web of the MMC card issuing and authentication center, and a web of the A fire car insurance MMC card issuer. Issuing and authenticating a mobile membership card using a mobile communication terminal downloaded through any one of the. A mobile membership card issuance and authentication system using a mobile communication terminal, A mobile communication terminal user having a mobile membership card (MMC) application program installed thereon drives and connects the MMC card application program, and assigns an MMC card member number to the mobile communication terminal by an MMC card member application of the mobile communication terminal user. The MMC card framework is transmitted to the mobile communication terminal to receive an MMC card issuance request from the user of the mobile communication terminal, the profile of the MMC card is transmitted to the mobile communication terminal, and an MMC card application provider key is given to the MMC card issuer. An MMC card issuance and authentication center receiving the added or modified MMC card; And An MMC card issuer that receives the MMC card application provider key from the MMC card issuing and authentication center and transmits MMC card member information and MMC card information changed by addition, modification and deletion to the MMC card issuing and authentication center; Including, the MMC card issuance and authentication center, A mobile information server connected to the mobile communication company server through a communication network and providing an interface to exchange information with each other; A web server for providing users with a file containing a web page; An extensibility generation language (XML) web service server that services through a website using extensibility generation language (XML); A main server for operating and managing each server and database constituting the MMC card issuing and authentication center; An MMC card management server for issuing and managing the MMC card and recruiting and managing MMC card members; A key management server that manages the MMC card issuer and issues and manages a key value for issuing the MMC card; An audit server for recording a card issuing state and a processing state using an identification number and a date and time of the mobile communication terminal, and auditing various situations caused by the mobile communication terminal accessing the MMC card issuing and authentication center; A billing server for recording and managing billing according to card issuance for the MMC card issuer and the mobile communication terminal user; An authentication server for authenticating whether the mobile terminal user is a member; And A Unified Messaging System (UMS) server for delivering the delivery information from the MMC card issuer to the mobile communication terminal; Mobile membership card issuance and authentication system using a mobile communication terminal comprising a. 32. The system of claim 31, wherein the mobile communication terminal personalizes, encrypts, and stores a profile of the MMC card received from the MMC card issuing and authentication center in its own memory. 33. The method of claim 32, further comprising an online / offline affiliate store of an MMC card receiving a profile of the MMC card stored in the mobile communication terminal and authenticating that the user of the mobile communication terminal is an MMC card member. Mobile membership card issuance and authentication system. 34. The system of claim 33, wherein the profile of the MMC card includes a personal identification number, image information, and function information of the MMC card. delete The method of claim 31, wherein the MMC card issuance and authentication center, A card issuer database for storing MMC card menu information provided to the user's mobile communication terminal and information on the MMC card issuer; A membership management database storing member information of the MMC card; A billing information storage database for storing billing according to card issuance for the MMC card issuer and the mobile communication terminal user; And An audit record storage database that stores the audited contents of the audit server and stores the card issuing state and processing state by using the identification number and date and time of the mobile communication terminal; Mobile membership card issuance and authentication system using a mobile communication terminal further comprising. The method of claim 31, wherein the mobile information server, A wireless application protocol (WAP) gateway system for converting a signal to enable communication with the mobile communication terminal through the communication network; A document conversion system for converting the document into one of recognizable document and short message service (SMS) data; And A protocol adapter for enabling a protocol with the mobile communication company server; Mobile membership card issuance and authentication system using a mobile communication terminal comprising a. 32. The mobile communication terminal of claim 31, wherein the MMC card management server includes a function of locking and blocking the MMC card at the request of either the MMC card issuer or the user of the mobile communication terminal. Mobile membership card issuance and authentication system using. 32. The mobile terminal of claim 31, wherein the MMC card management server provides an interface for interworking with the MMC card management server when the MMC card issuer receives an MMC card application provider key and has a user database. Mobile membership card issuance and authentication system. 32. The MMC card management server of claim 31, wherein the MMC card management server provides an interface for interworking with an MMC card issuer of another MMC card when the MMC card issuer provides membership benefits including points and miles with other MMC cards. Mobile membership card issuance and authentication system using a mobile communication terminal comprising a. 32. The MMC card management server of claim 31, wherein the MMC card management server transmits an MMC card framework to the mobile communication terminal according to an MMC card issuance or reissue request of the mobile communication terminal user, and the MMC card information input by the mobile communication terminal user. Mobile membership card issuing and authentication system using a mobile communication terminal for receiving and analyzing whether it is possible to issue or reissue and transmit the result to the mobile communication terminal. 32. The mobile terminal of claim 31, wherein the MMC card management server generates a member number of the MMC card by approval of membership of the MMC card applied by the mobile terminal user, and manages an MMC card member. Mobile membership card issuance and authentication system. 32. The system of claim 31, wherein the MMC card issuer comprises: a first MMC card issuer comprising a web server, a database, a management console; And A second MMC card issuer including a management console; Mobile membership card issuance and authentication system using a mobile communication terminal comprising a. 45. The system of claim 43, wherein the MMC card issuer connects to the MMC card issuing and authentication center through any one of an issuer and administrator console application program and a Web. . 44. The method of claim 31 or 43, wherein the MMC card management server, A legacy host system interface unit for interfacing with the MMC card issuer's member database, MMC card point, and mileage service information to interface with the MMC card issuer's web server; A key manager for generating, storing, and canceling the MMC card key, an application provider key, and an application key; A customer database for storing member information of the MMC card, a card database for storing device information of the mobile communication terminal, an application database for storing application information of a card designed and designed by the MMC card issuer, and the purpose of using the MMC card. And a card and application inventory that defines a correlation to a product database classified by type, and a card profile that provides the mobile terminal user with information for issuing a card meeting the conditions of the mobile terminal. A core MMC card management system unit including a portfolio profile including an application profile for providing the mobile terminal user with information for issuing an application meeting a condition of the mobile terminal; The mobile terminal records a log of a series of operations applied for, issued, reissued or terminated by the user of the mobile terminal in a database, and notifies the MMC card issuer of the result through the Unified Messaging Processing System (UMS). A mobile interface unit including a transaction messaging billing and logging engine responsible for billing according to this case, and a download server for downloading a card requested by the mobile terminal user to the mobile terminal; A card generation and personalization unit for generating and personalizing the MMC card; An application storage unit for storing images and scripts of a mobile membership card designed and designed by the MMC card issuer; And To a customer information system application provider providing a member database of the MMC card issuer, a customer service system application provider providing a point or mileage service policy provided by the MMC card issuer, and the MMC card issuer issuing the MMC card. An application provider interface unit including an provided application provider key; Mobile membership card issuance and authentication system using a mobile communication terminal comprising a. 46. The mobile communication card of claim 45, wherein the mobile membership card (MMC) management server further comprises a subscriber identity module (SIM) card, a wide area subscriber identity module (USIM) card, and a user identity module (UIM) card. Mobile membership card issuance and authentication system using a terminal. 47. The system of claim 46, wherein the subscriber identity module (SIM) card comprises a security function, a debit card function, a credit card function, and a bus card function. 46. The mobile device of claim 45, wherein the mobile membership card (MMC) application program further comprises a subscriber identity module (SIM) card, a wide area subscriber identity module (USIM) card, and a user identity module (UIM) card. Membership Card Issuance and Authentication System. 46. The system of claim 45, wherein the legacy host system interface unit comprises: a customer information system (CIS) interface that defines interworking with the database of the MMC card issuer; And A customer service system (CSS) interface that defines interworking with point or mileage service policies provided by the MMC card issuer; Mobile membership card issuance and authentication system using a mobile communication terminal comprising a. 46. The system of claim 45, wherein the key management unit comprises a hardware security module (HSM) device. 32. The system of claim 31, wherein the key management server comprises a hardware security module (HSM) server to enhance security. 32. The mobile terminal of claim 31, wherein the UMS server comprises a system for transmitting a short message transmission system (SMS), a multimedia transmission system (MMS), a fax (FAX) / voice message, and an e-mail. Mobile membership card issuance and authentication system. 32. The system of claim 31, wherein the MMC card issuer delivers announcements and delivery details of the MMC card to the MMC card application program of the mobile communication terminal through a communication network. 32. The mobile communication terminal of claim 31, wherein the MMC card application program supports an interface function for interworking with a SIM card and a USIM module in a smart card type installed in the mobile communication terminal. Mobile membership card issuance and authentication system. 32. The hierarchical structure of claim 31, wherein the hierarchical structure of the MMC card application program is An MMC card application programming interface layer which enables operation by any one of scripting and intermediate languages described by the MMC card issuer when driving an MMC card stored in an application program of the mobile communication terminal; An MMC card management layer for storing and managing the MMC card in a memory area of the mobile communication terminal, and selecting the stored MMC card at the request of the user of the mobile communication terminal; An MMC card network management layer for enabling data communication between the mobile communication terminal and the MMC card issuing and authentication center; An MMC card device management layer for allowing the MMC card to access and control hardware of the mobile communication terminal; A basic application for operating the MMC card stored in the application program of the mobile terminal to be operated by any one of scripting and intermediate languages described by the MMC card issuer, and to provide various additional functions. An MMC card interpreter layer functioning as a programming interface; An MMC card encryption module layer for encrypting the MMC card so as to have security; Read and write the MMC card into the memory area of the mobile communication terminal, and perform dual encryption / decryption functions through the system ID of the mobile communication terminal and the member number of the MMC card. An MMC card file system management layer to perform and conceal data; A mobile communication terminal operating system (OS) application layer functioning as an application programming interface provided by an operating system (OS) of the mobile communication terminal; And The phone hardware access layer for controlling hardware of the mobile communication terminal; Mobile membership card issuance and authentication system using a mobile communication terminal comprising a. In a recording medium storing a computer program source for the method of issuing and authenticating a mobile membership card using a mobile communication terminal, After a mobile membership card (MMC) issuer receives an MMC card application provider key from an MMC card issuing and authentication center, designing and designing MMC card member information and an MMC card and transmitting it to the MMC card issuing and authentication center; A user of the mobile communication terminal downloading an MMC card application program through a communication network and installing the MMC card application program in his mobile communication terminal; The user of the mobile communication terminal drives the MMC card application program installed in his mobile communication terminal to access the MMC card issuing and authentication center, and then registers a member if not a member and performs a member authentication process if a member. Doing; After the member authentication, the user of the mobile communication terminal receives an MMC card framework from the MMC card issuing and authentication center to apply for issuing an MMC card; Determining whether to approve the MMC card requested by the mobile communication terminal user in the MMC card issuing and authentication center, generating a card member number, and transmitting a profile of the MMC card to the mobile communication terminal; Personalizing, encrypting, and storing a profile of an MMC card transmitted from the MMC card issuing and authentication center by the MMC card application program of the mobile communication terminal; And Presenting a mobile communication terminal storing the MMC card to an ON / OFF line affiliate store of the MMC card to authenticate the MMC card member; Includes, the hierarchical structure of the MMC card application program, An MMC card application programming interface layer which enables operation by any one of scripting and intermediate languages described by the MMC card issuer when driving an MMC card stored in an application program of the mobile communication terminal; An MMC card management layer for storing and managing the MMC card in a memory area of the mobile communication terminal, and selecting the stored MMC card at the request of the user of the mobile communication terminal; An MMC card network management layer for enabling data communication between the mobile communication terminal and the MMC card issuing and authentication center; An MMC card device management layer for allowing the MMC card to access and control hardware of the mobile communication terminal; A basic application for operating the MMC card stored in the application program of the mobile terminal to be operated by any one of scripting and intermediate languages described by the MMC card issuer, and to provide various additional functions. An MMC card interpreter layer functioning as a programming interface; An MMC card encryption module layer for encrypting the MMC card so as to have security; Read and write the MMC card into the memory area of the mobile communication terminal, and perform dual encryption / decryption functions through the system ID of the mobile communication terminal and the member number of the MMC card. An MMC card file system management layer to perform and conceal data; A mobile communication terminal operating system (OS) application layer functioning as an application programming interface provided by an operating system (OS) of the mobile communication terminal; And The phone hardware access layer for controlling hardware of the mobile communication terminal; Recording medium storing a computer program source for the mobile membership card issuance and authentication method using a mobile communication terminal comprising a. 59. The method of claim 56, wherein the MMC card issuer is a computer for issuing and authenticating a mobile membership card using a mobile communication terminal that communicates announcements and delivery details of an MMC card to an MMC card application program of the mobile communication terminal through a communication network. Recording medium storing program source. The mobile terminal of claim 56, wherein the MMC card application program installed in the mobile communication terminal is downloaded from any one of a mobile communication company server, a web of the MMC card issuing and authentication center, and a web of the MMC card issuer. Recording medium storing computer program source for mobile membership card issuance and authentication method using communication terminal. 59. The method of claim 56, wherein the MMC card application program issues a mobile membership card using a mobile communication terminal that supports an interface function for interfacing with a SIM card and a USIM module in a smart card type installed in the mobile communication terminal. Recording medium storing computer program source for authentication method. delete 59. The method of claim 56, wherein the MMC card issuer designs and designs the MMC card, The MMC card issuer registering with the MMC card issuing and authentication center and receiving an application provider key; The MMC card issuer performing an issuer authentication process; Inputting a name and purpose of an MMC card to be added by selecting a card addition menu from a menu of an MMC card provided from the MMC card issuing and authentication center after the issuer authentication; Issuing an application key to the MMC card issuer after classifying products of the card according to the purpose of the MMC card in the MMC card issuing and authentication center; And The MMC card issuer designing, designing, or updating an MMC card and sending it to the MMC card issuing and certification center; Recording medium storing a computer program source for the mobile membership card issuance and authentication method using a mobile communication terminal comprising a. 62. The method of claim 61, Deciding on the MMC card transmitted by the MMC card issuer and notifying the MMC card issuer of the result of the deliberation; And Posting the newly issued MMC card by the MMC card issuer on the web of the MMC card issuing and authentication center; Recording medium storing a computer program source for the mobile membership card issuance and authentication method using a mobile communication terminal comprising a. 62. The method of claim 61, Selecting a card modification menu from a menu of an MMC card provided from the MMC card issuing and authentication center; Transmitting information of the previously issued MMC card to the MMC card issuer at the MMC card issuing and authentication center; Selecting, by the MMC card issuer, an MMC card to be modified and then selecting a modification menu; And Designing, designing, or updating an MMC card to be modified by the MMC card issuer, and then transmitting to the MMC card issuing and certification center; Recording medium storing a computer program source for the mobile membership card issuance and authentication method using a mobile communication terminal comprising a. The method of claim 63, wherein Deciding on the MMC card transmitted by the MMC card issuer and notifying the MMC card issuer of the result of the deliberation; And Posting the newly issued MMC card by the MMC card issuer on the web of the MMC card issuing and authentication center; Recording medium storing a computer program source for the mobile membership card issuance and authentication method using a mobile communication terminal comprising a. 62. The method of claim 61, Selecting a card deletion menu from a menu of an MMC card provided from the MMC card issuing and authentication center; Transmitting information of the previously issued MMC card to the MMC card issuer at the MMC card issuing and authentication center; Selecting, by the MMC card issuer, an MMC card to be deleted and then selecting a delete menu; And Deciding the MMC card to be deleted by the MMC card issuer at the MMC card issuing and authentication center and notifying the MMC card issuer of the result of the deliberation; And Deleting the MMC card newly deleted by the MMC card issuer from the web of the MMC card issuing and authentication center; Recording medium storing a computer program source for the mobile membership card issuance and authentication method using a mobile communication terminal comprising a. 59. The recording medium of claim 56, wherein the profile of the MMC card includes a computer program source for a method for issuing and authenticating a mobile membership card using a mobile communication terminal including a personal identification number, image information, and function information of the MMC card. . 59. The method of claim 56, wherein registering a member when the user of the mobile communication terminal is a non-member, Accessing the MMC card issuance and authentication center and registering a member; And Receiving a member's unique number according to the member registration and storing it in an MMC card application program of a mobile communication terminal of the same as personalized and encrypted and storing the personalized number; Recording medium storing the computer program source for the mobile membership card issuance and authentication method using a mobile communication terminal further comprising. The method of claim 56, wherein Requesting, by the mobile terminal user, to reissue an MMC card using the MMC card framework; Transmitting the previously issued MMC card list in the MMC card issuing and authentication center to the MMC card application program of the mobile communication terminal; Requesting a card reissue by selecting a reissue target card by the user; Retrieving the card member number after approving reissue of the card at the MMC card issuing and authentication center; And Receiving a profile of the reissued MMC card from the MMC card issuing and authentication center and storing the personalized, encrypted and stored information in the MMC card application program of the mobile communication terminal; Recording medium storing the computer program source for the mobile membership card issuance and authentication method using a mobile communication terminal further comprising. 69. The recording medium of claim 68, wherein the profile of the MMC card includes a computer program source for a method for issuing and authenticating a mobile membership card using a mobile communication terminal including a personal identification number, image information, and function information of the MMC card. . The method of claim 56, wherein Requesting deletion of an MMC card using the MMC card framework; Transmitting the previously issued MMC card list in the MMC card issuing and authentication center to the MMC card application program of the mobile communication terminal; Selecting a card to be deleted by the user and requesting card deletion; And Notifying a card member withdrawal from the MMC card issuer after deleting the target card from the user's mobile communication terminal; Recording medium storing the computer program source for the mobile membership card issuance and authentication method using a mobile communication terminal further comprising. 57. The method of claim 56, wherein the mobile communication terminal user is authenticated as an MMC card member by presenting a personal identification number of the corresponding MMC card by running the MMC card application program of the mobile communication terminal in the online merchant of the MMC card, The offline affiliated store of the MMC card runs the MMC card application program of the mobile communication terminal, selects the corresponding MMC card and presents the issued card image and card information to issue a mobile membership card using a mobile communication terminal that authenticates the membership of the MMC card. And a computer program source storing an authentication method. The method of claim 56, wherein The MMC card issuer is A fire car insurance MMC issuer, The MMC card application program is A fire car insurance MMC card application program, The MMC card is A Fire Car Insurance MMC card, The MMC card framework is A fire car insurance MMC card framework, The profile of the MMC card is a recording medium storing a computer program source for a method of issuing and authenticating a mobile membership card using a mobile communication terminal, which is the profile of A fire insurance MMC card. The method of claim 72, The profile of the A fire car insurance MMC card stored in the mobile communication terminal includes the A fire car insurance application submenu, The A fire car insurance application sub-menu includes a sub-menu for insurance, sub-insurance sub-menu, insurance telephone sub-menu, emergency service sub-menu computer for issuing and authenticating a mobile membership card using a mobile communication terminal Recording medium storing program source. 74. The computer program source for a method of issuing and authenticating a mobile membership card using a mobile communication terminal as claimed in claim 73, wherein the sub-insurance period submenu indicates an insurance period for the A-car insurance subscribed to by the mobile terminal user. Recording medium storing the. 75. The method of claim 74, wherein the sub-insurance period sub-menu issuing a mobile membership card using a mobile communication terminal that displays the remaining days remaining on the insurance until the insurance expiration date of A fire car insurance subscribed to by the mobile terminal user by date. Recording medium storing computer program source for authentication method. 76. The method of claim 74 or 75, The insurance period is the data information stored in the mobile communication terminal user of the mobile communication terminal when the insurance, The function of counting the remaining insurance days by date until the insurance expiration date is a mobile membership card issuing and authentication method using a mobile communication terminal that is counted by a count program built in the A fire car insurance MMC card application program installed in the mobile communication terminal Recording medium storing computer program source for. 78. The method of claim 73, wherein the insurance details submenu indicates the insurance details that the user of the mobile communication terminal subscribes to the A fire, The insurance subscription is a recording medium storing a computer program source for the method of issuing and authenticating a mobile membership card using a mobile communication terminal, including the total insurance subscription amount, liability insurance premium, interpersonal subscription amount, object subscription amount. 78. The method of claim 77, wherein the insurance submenu stores a computer program source for a method for issuing and authenticating a mobile membership card using a mobile communication terminal that indicates an estimated amount of new insurance required for new insurance under current conditions. Record carrier. 79. The method of claim 77 or 78, The insurance subscription details are data information stored in the mobile communication terminal when the user of the mobile communication terminal insured, The computer program for the method of issuing and authenticating a mobile membership card using a mobile communication terminal, which is calculated by the insurance estimation estimate program built in the A fire car insurance MMC card application program installed in the mobile communication terminal. Recording medium storing the source. 74. The recording medium of claim 73, wherein the insurance consultation telephone number submenu stores a computer program source for a method of issuing and authenticating a mobile membership card using a mobile communication terminal which connects to a counseling telephone number of the fire. 74. The recording medium of claim 73, wherein the emergency service submenu stores a computer program source for a method of issuing and authenticating a mobile membership card using a mobile communication terminal including an emergency service telephone number class menu and an emergency service provision history class menu. . 84. The recording medium of claim 81, wherein the emergency service telephone number class menu stores a computer program source for a method for issuing and authenticating a mobile membership card using a mobile communication terminal which connects to the emergency service telephone number of the fire. 82. The method of claim 81 wherein The emergency service provision class menu shows the emergency service provision, The emergency service provision record stores a computer program source for a method of issuing and authenticating a mobile membership card using a mobile communication terminal including a free towing service, a free gas service, a tire replacement service, and a door lock release service. media. 73. The mobile membership of claim 72, wherein the A-fire car insurance MMC card issuer delivers the announcement and delivery of the A-fire car insurance MMC card to the MMC card application program of the mobile communication terminal through a communication network. Recording media storing computer program sources for card issuance and authentication methods. 73. The A fire car insurance MMC card application program installed in the mobile communication terminal comprises: a web of a mobile communication company server, a web of the MMC card issuing and authentication center, and a web of the A fire car insurance MMC card issuer. Recording medium storing a computer program source for the method of issuing and authenticating a mobile membership card using a mobile communication terminal downloaded through any one of the.

Images