KR101389468B1 - Method for issuing mobile credit card in portable terminal using credit card and credit card for the same - Google Patents

Abstract

A mobile card issuing method using an IC card and an IC card for the same are provided. The IC card of the present invention stores access information for downloading an app that can issue a mobile card in a memory area. Mobile card issuing method in the portable information terminal of the present invention, the step of reading the access information to the site that can download the app from the IC card, and the step of downloading the app by connecting to the site according to the read access information And, when the app is executed, reading the encrypted card information from the IC card, decrypting the encrypted card information, accessing the issuing server and transmitting the card information, and executing the mobile card information from the issuing server. Receiving and installing in the portable information terminal. According to the present invention, a mobile card can be easily issued to a portable information terminal.

Description

Method for issuing a mobile card using a credit card and a credit card for the same {Method for issuing mobile credit card in portable terminal using credit card and credit card for the same}

The present invention relates to a method for issuing a mobile card using a credit card and a credit card therefor, and more particularly, to receive and install a mobile card corresponding to a credit card using a credit card and a portable information terminal to install in a portable information terminal. A method and a credit card capable of performing the method.

Credit cards, which can be used for financial transactions without cash such as banknotes and coins, began to spread in earnest when the Diners Club was established in 1950. Early credit cards, however, were more like a simple membership card with the user's name and unique number, so it took time to verify their identity and was less secure.

In 1960, the development of magnetic stripe cards at IBM in the US made great strides in credit cards. Magnetic cards are the application of the principle of magnetic tape, which was widely used as computer storage media at that time. Magnetic tape is attached to one side of a plastic card and data is recorded by changing the properties of the magnetic material on the tape surface.

Magnetic cards have received great acclaim for their convenience because they can easily input data on their surface to a computer simply by passing them through an input device. Magnetic card has been applied in various fields such as credit card, public telephone card, ID card since development, and is still used in many fields.

Magnetic cards, however, also have many drawbacks in terms of functionality and security. The main disadvantages are that the amount of data that can be recorded is as small as 72B (bytes), so that it cannot hold various data, and its durability is low due to the use of magnetic materials. In particular, when contacted with a magnet, the recorded data may be deformed or deleted, and the card may be damaged while being used in a bag or purse that is opened and closed with a magnet. Moreover, it is easy to copy or modify the contents recorded on the magnetic surface.

An IC card (integrated circuit card) was created to improve the shortcomings of magnetic cards. IC cards feature a semiconductor-based integrated circuit. In a broad sense, it's a card with a tiny computer. In addition to the IC card, it is also called a smart card.

The IC card does not damage the data when it comes in contact with the magnet, and can provide more various functions than the magnetic card, and has excellent security and durability. The IC card has built-in EEPROM or flash memory that can write and erase data multiple times, and a processor with computing power in addition to the memory. IC card with a built-in processor is not only for storing data, but also for programming such as encrypting data or making it compatible with a specific computer.

IC cards are divided into contact type and contactless type depending on the internal structure as well as the method of use. The contactless IC card with a metal pattern on the front of the card is the most common form of IC card. The contact IC card works only when the metal pattern of the card and the terminal of the input device are tightly contacted, so it is highly secure and can transmit relatively large amounts of data reliably.

The contactless IC card has a module and an antenna for wireless communication in the card. It detects RF (radio frequency) signals around the card, exchanges data, and communicates with input devices. Depending on the type of card, it can be used as a way to make a rubbing with an input device. Security is somewhat lower than contact IC card because communication is performed without contacting the terminal of input device, but it can be used quickly.

Meanwhile, mobile cards incorporating such IC cards into mobile phones have also appeared. Since mobile cards have a built-in credit card in people's mobile phones, they don't need to carry a credit card with them. It is very easy to use because you can pay using your mobile phone without having to take it out.

However, in order to issue a mobile card, there is a problem that a complicated issuance process is required separately from a plastic card type credit card. In other words, when a user fills out an issuing request form for applying for a mobile card at a credit card company's homepage, a branch, a customer center, etc., the credit card company examines and sends a text message for issuing a mobile card to the user's mobile phone. In addition, the user downloads a mobile card issuing app or a virtual machine using the received text message, and then enters card information and personal information to complete the mobile card issuance.

The present invention has been made in view of this point, and an object of the present invention is to provide a method for easily issuing a mobile card to a portable information terminal based on an existing credit card, and a credit card used to implement the method.

The credit card of the present invention for achieving this purpose stores the access information for downloading the app that can issue a mobile card in the memory area. This connection information is preferably output in the form of an NFC tag value. Alternatively, the NFC tag that records the access information for downloading the card issuing app may be attached to the credit card in the form of a sticker. In the NFC tag, URL information, credit card information, and personal information for downloading the card issuing app may be recorded.

Mobile card issuing method in the portable information terminal of the present invention, access information to the site to download the card issuing app access information acquisition step of reading from the credit card, and connected to the site according to the read access information The card issuing app installation step of downloading and installing the card issuing app, the card information acquiring step of acquiring the card information of the credit card using the card issuing app, and the card information transmitting step of transmitting the card information by accessing the card issuing server. And a mobile card installation step of receiving the mobile card information from the card issuing server and installing the mobile card information in the portable information terminal.

The access information may be stored in an NFC tag or recorded in the form of a smart code such as a QR code. The NFC tag may be attached to the credit card in the form of a sticker.

The card issuing app installation step may further include storing the TNF key value for the card issuing app in association with the tag value stored in the NFC tag. In this case, the card information acquiring step may include reading the tag value from a credit card to execute a card issuing app associated with the tag value, and reading card information from the credit card in a card issuing app. Include.

In the card issuing app, reading the card information from the credit card may include requesting the card information from the credit card, and displaying a means for reading the card information from the credit card and displaying the information on the screen and inputting additional information. It may include.

The card information acquiring step may be configured so that the card issuing app displays a means for inputting card information and additional information for card issuing on the screen and receives card input from the user to obtain card information.

In the card information transmission step, information for card issuance application is extracted from the card information and additional information and transmitted to the card issuing server. As additional information, the CVC number may be used.

According to the present invention, based on the existing credit card using NFC communication, QR code reading, etc. to receive the information required for card issuance and using it to apply for card issuance to the card issuing server, so that the mobile card to the mobile information terminal It can be easily issued and can reduce the cost of issuing a mobile card.

1 is a network diagram showing a relationship between a portable information terminal, an IC card, and a card issuing server for issuing a mobile card.
2 is a block diagram showing an internal configuration of a portable information terminal.
3 is a block diagram showing an internal configuration of an IC card.
4 is a flowchart illustrating a mobile card issuing procedure according to an embodiment of the present invention.
5A to 5G are examples of screens displayed on the portable information terminal when issuing a mobile card according to an embodiment of the present invention.
6 shows an example of a logical structure of data stored in the IC card.

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

1 is a network diagram showing a relationship between a portable information terminal, an IC card, and a card issuing server for issuing a mobile card. The portable information terminal 10 reads the access information from the IC card 20 to a site where a card issuing app (App) can be downloaded using near field communication (NFC). The portable information terminal 10 accesses the card issuing server 30 via the Internet according to the access information read from the IC card 20 and downloads the card issuing app. Alternatively, the card issuing app can be configured to download from a separate app marketplace. When the card issuing app downloaded from the portable information terminal 10 is executed, the card issuing app reads the encrypted card information from the IC card 20 using NFC, decrypts the encrypted card information, and issues the card. It connects to the server 30 and transmits card information. After the examination according to a predetermined rule, the card issuing server 30 transmits the mobile card information to the portable information terminal 10, and the portable information terminal 10 which has received the mobile card information receives the USIM (universal subscriber identity module). The mobile card is installed in the terminal by installing it in a storage space such as a chip, an internal memory, or an external memory.

Next, with reference to FIG. 2, the structure of the portable information terminal 10 for implementing this invention is demonstrated. 2 is a block diagram showing an internal configuration of a mobile terminal. As the portable information terminal 10 of the present invention, various terminals such as a smartphone and a tablet on which an app can be installed may be used.

The portable information terminal 10 communicates with the card issuing server 30 by accessing a wired / wireless communication network such as a mobile communication network, Wi-Fi, Wibro, and wired Internet using the network connection unit 160. The user inputs an operation command using the input unit 130 such as a keypad, a keyboard, a touch panel, a touch screen, a mouse, and the like. The display unit 120 displays a window for inputting information for issuing a card and information on the issued mobile card according to execution of an app for implementing the method of the present invention.

The memory 170 of the portable information terminal 10 also stores an app for implementing the present invention and various data necessary for executing the app. The mobile terminal 10 is provided with an NFC communication unit 140 for short-range wireless communication, the short-range wireless communication with the IC card 20 is possible. The controller 110 controls the overall operation of the mobile terminal. Although not shown in FIG. 2, the portable terminal 10 also includes a universal subscriber identity module (USIM) chip, so that the issued mobile card can be installed in the USIM chip.

Next, with reference to FIG. 3, the structure of the IC card 20 for implementing this invention is demonstrated. 3 is a block diagram showing an internal configuration of an IC card.

The IC card 20 for implementing the present invention includes a processor 210, a ROM (Read Only Memory) 220 in which a program for operating the processor 210 is stored, and a memory required for the operation of the processor 210. Random Access Memory (RAM) 230 to provide space, Electrically Erasable Programmable ROM (EEPROM) 240 in which encrypted or unencrypted credit card information, applets, encrypted personal information, etc. are stored, Memory management unit 250 for managing the. Flash memory may be used instead of EEPROM. The EEPROM 240 also stores access information (URL) for downloading an app that can issue a mobile card.

An external card reader such as a portable information terminal can acquire information inside the IC card of the present invention using NFC communication. To this end, the IC card 20 is provided with an NFC communication unit 260. Data transmitted through the NFC communication is encrypted for security, for this purpose, the encryption processing unit 270 and the random number generator 280 is provided in the IC card (20).

Meanwhile, the IC card of the present invention may be implemented in a hybrid form in which an NFC communication function is added to an existing credit card.

Next, a mobile card issuing procedure according to an embodiment of the present invention will be described with reference to FIG. 4. 4 is a flowchart illustrating a mobile card issuing procedure according to an embodiment of the present invention.

The user who wants to issue a mobile card contacts the portable information terminal 10 having the NFC communication function to the IC card 20 having the NFC communication function (step S410).

If the mobile card issuing app is not installed in the portable information terminal, that is, at the time of the first tagging, only the NDEF (NFC Data Exchange Format) message is transmitted to the portable information terminal 10 (step S415). The transmitted NDEF message may include access information for downloading the card issuing app, a unique number of the IC card, and the like.

In the first tagging, since the app associated with the corresponding NFC tag is not registered in the portable information terminal 10, the portable information terminal 10 is an NFC reader installed in the portable information terminal 10 as shown in FIG. 5A. Displays a screen that allows the user to select which of the apps to use. When the user selects one of the apps 51, the portable information terminal 10 displays the list of records included in the NDEF message read using the app on the screen as shown in FIG. 5B (step S420). On the other hand, if the NFC reader app to use by default is specified, the step of Figure 5a can be omitted.

In the screen of FIG. 5B, the user selects the URI record 52 which is access information for downloading the card issuing app (step S430). Then, the portable information terminal 10 accesses a site where the app can be downloaded (hereinafter, referred to as an "app download server"). The app download server may be an app store for selling an app or a site providing a service of the present invention. An example of the screen at this time is shown in Fig. 5C.

When the user presses the install button 53 on the screen of FIG. 5C, an app download request is transmitted to the app download server (step S435), and a card issuing app for issuing a mobile card from the app download server is transferred to the mobile information terminal 10. Is transmitted (step S437).

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

After the tag value of the IC card 20 is registered in the portable information terminal 10 through such a procedure, if the corresponding IC card 20 is brought into contact with the portable information terminal 10 (step S450), the process proceeds to step S415. Similarly, an NDEF message is transmitted to the portable information terminal 10 (step S455). However, at this time, since the TNF key value associated with the tag value of the IC card 20 is registered in the portable information terminal 10, the TNF key value is used for mobile. Card issuing app for card issuance is executed (step S460).

When the card issuing app is executed, it requests the IC card 20 for information (eg, card number, expiration date, card name, user information, etc.) necessary for issuing the card (step S465). This can be done according to the ISO7816 standard. That is, the portable information terminal 10 on which the card issuing app is executed transmits a PPSE Select command to the IC card 20, and the IC card 20 sends a PPSE response to the portable information terminal 10 in response thereto. The portable information terminal 10 obtains the AID of the IC card from this response and transmits an AID Select command. Then, the IC card 20 sends an AID response including the card information to the portable information terminal 10 in response. While the card information is read from the IC card, the screen of FIG. 5D may be displayed on the screen of the portable information terminal 10.

When card information required for card issuance is read from the IC card 20 (step S467), the portable information terminal 10 displays a screen on which additional input information can be input as shown in FIG. 5E (step S470). . In addition, the information that needs to be input may include a Card Validation Code (CVC) number printed on the back of the credit card. In addition to authentication by CVC number, other information such as user's social security number, telephone number or carrier, authentication certificate, mobile phone USIM, one-time password (OTP), card password, fingerprint recognition, eye recognition, voice recognition, etc. It is also possible to use any one or more. Meanwhile, in the example of FIG. 5E, the phone number in the contact field may be automatically input by the card issuing app by reading the phone number of the portable information terminal 10 from the system information.

In the example of FIG. 5E, when the user enters the CVC number in the CVC number input box 54 and clicks the request button 55 (step S480), the card issuing app requests a card from the inputted information and information read from the IC card. Extract the card application information for transmission to the card issuing server 30 (step S485). In this case, the portable information terminal 10 may display a screen as shown in FIG. 5F on the screen.

When the card application information received from the portable information terminal 10 satisfies all the requirements for issuing a mobile card, the card issuing server 30 generates a mobile card and transmits the mobile card information to the portable information terminal 10. (Step S487). In this case, it is also possible to transmit a text message for authentication to the user's portable information terminal 10 for additional user authentication.

The mobile information terminal 10 receiving the mobile card information is installed in a storage space such as a universal subscriber identity module (USIM) chip, an internal memory, an external memory, and the like, so that the mobile card is installed in the terminal (step S490). A screen as shown in FIG. 5G may be displayed on the screen of the information terminal 10. On this screen, the user can check the mobile card by clicking the view card information button.

On the other hand, a procedure for checking whether the IC card information tagged and read in step S470 is a card registered for use may be performed. In other words, a user who has been issued a credit card must register to use the credit card. After confirming that the credit card has been used, the mobile card issuance procedure is performed for the credit card that has been used. For credit cards that do not go through the registration process, the registration process should be performed. To this end, when the card information required for card issuance is read from the IC card 20 in step S467, the card issuing app is a card that has been registered for use while transmitting credit card information such as a credit card number to the card issuing server 30. Ask for confirmation. The card issuing server 30 checks the registration of the use of the received credit card information and transmits the result to the portable information terminal 10. If the credit card has been registered for use, the procedure from step S470 of FIG. 4 is performed, and for the credit card that is not used, a credit card use registration procedure can be performed by accessing a web page where a credit card can be registered. .

6 shows an example of a logical structure of data stored in the IC card 20. Credit card information, such as credit card number and expiration date, is transmitted to the portable information terminal 10 wirelessly according to the ISO-14443 RF communication standard through the ISO-14443 communication applet via the card information communication applet in the form of a message according to the ISO7816 message standard. The URL information, TNF key value, and personal information that can be downloaded and the card issuing app can be downloaded wirelessly according to the ISO-14443 RF communication standard through the ISO-14443 communication applet through the NFC communication applet in the form according to the NDEF message standard. It is delivered to the portable information terminal 10. When tagging the IC card to the portable information terminal 10, NFC data is delivered first, and when the card issuing app is executed by the NFC data, card data according to the ISO7816 standard is delivered according to a data request from the card issuing app. On the other hand, it is preferable that the personal information is encrypted by a specific seed value at the time of IC card production so that only the card company that knows the seed value can be decrypted.

In the above description, the case where the NFC tag in which the information for card issuance is stored is provided in the IC card. However, the information for card issuance may be stored in another form.

For example, a sticker-type NFC tag that stores information for card issuance is attached to the credit card, and after the mobile card issuance is issued using the tag, the NFC is attached to the credit card when the mobile card issuance is completed. It is also possible to remove the tag.

That is, when the user receives the newly issued credit card, the URL information to download the card issuing app that can be issued a mobile card by tagging the NFC tag attached to the credit card using the portable information terminal 10 Acquire. When the card issuing app is downloaded using this information, the TNF (Tag Name Format) key value associated with the tag information and the card issuing app is registered in the portable information terminal 10. After tagging the NFC tag again, the card issuing app is executed to obtain the customer information stored in the NFC tag. Customer information is preferably encrypted. The subsequent procedure is much the same as the case in FIG.

To this end, the NFC tag stores information such as URL information, instructions, credit card number, expiration date, CVC, social security number, card type, payment account, payment date, password, login information, user name, etc. for downloading the card issuing app. It is also preferable that some of the information in the information is encrypted.

Alternatively, the site where the app for card issuance can be downloaded is printed on the IC card in the form of a QR code (or other type of smart code), and installed on the portable information terminal 10. It is also possible to use a QR code reader to read the QR code printed on the IC card to access the site where the card issuing app can be downloaded and to download the card issuing app.

In addition, the URL information to download the card issuing app is obtained by using NFC tag stickers, QR codes, etc., the card information can be obtained through the NFC communication unit built into the credit card, or can be configured to be manually input by the user. Do. In addition, cards that do not require encryption can be configured to include information in the URL information for transmission.

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

Furthermore, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless otherwise specifically stated, But should be construed as including other elements.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas falling within the scope of the same shall be construed as being within the scope of the present invention

10 handheld terminal,
20 ic card,
30 Card Issuing Servers.

Claims (16)

The access information acquisition step of reading the access information to the site that can download the card issuing app for issuing the mobile card from the NFC tag attached to the credit card,
The card issuing app installation step of accessing the site using the read access information and downloading and installing the card issuing app,
Card information acquisition step of executing the card issuing app to obtain the card information of the credit card,
Card information sending step of the card issuing app to access the card issuing server and transmit card information,
Mobile card installation step that the card issuing app receives the mobile card information from the card issuing server to install on the mobile information terminal
Equipped with
The card issuing app installation step further includes storing the TNF key value for the card issuing app in association with the tag value stored in the NFC tag.
The acquiring card information includes reading the tag value from the credit card to execute a card issuing app associated with the tag value, and the card issuing app reading the card information from the credit card. Method of issuing a mobile card in a portable information terminal. The access information acquisition step of reading the access information to the site that can download the card issuing app for issuing the mobile card from the NFC tag attached to the credit card,
The card issuing app installation step of accessing the site using the read access information and downloading and installing the card issuing app,
Card information acquisition step of executing the card issuing app to obtain the card information of the credit card,
Card information sending step of the card issuing app to access the card issuing server and transmit card information,
Mobile card installation step that the card issuing app receives the mobile card information from the card issuing server to install on the mobile information terminal
Equipped with
The card information acquiring step is a card issuing app that displays a means for inputting card information and additional information for card issuing on the screen, and obtains card information by receiving input from a user. Way. The method of claim 1 or 2, wherein the NFC tag is attached to a credit card in the form of a detachable sticker. delete delete The method of claim 1,
The above steps for the card issuing app to read the card information from the credit card
Requesting card information from the credit card,
Reading the card information from the credit card and displaying it on the screen, and displaying a means for entering additional information;
Mobile card issuing method in a portable information terminal comprising a. delete 7. The method according to claim 2 or 6,
The card information transmitting step extracts information for card issuance application from the card information and the additional information and transmits the card information to the card issuing server. The method of claim 8, wherein the additional information is a CVC number. The method of claim 1,
The NFC tag is a method for issuing a mobile card in a portable information terminal, characterized in that the URL information, credit card information, personal information for downloading of the card issuing app is recorded. 3. The method according to claim 1 or 2,
After the card information acquiring step, the card issuing app transmits the acquired card information to the card issuing server, and requesting confirmation of whether the credit card has been registered for use.
If the credit card is not registered, the card issuing app mobile card issuing method further comprises the step of accessing the web page to register the credit card use. A processor,
A memory for storing programs and credit card information for operation of the processor;
NFC communication unit for transmitting information stored in the memory through NFC (Near Field Communication) communication
Equipped with
The memory stores access information for downloading a card issuing app for issuing a mobile card,
The connection information is output in the form of NFC tag value through the NFC communication unit,
The NFC communication unit outputs the connection information for downloading the card issuing app as an NDEF (NFC Data Exchange Format) message, and outputs the credit card information according to the ISO7816 standard.

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