KR20070030351A - Instant card issue method and system using mobile phone - Google Patents

Abstract

The present invention relates to an instant card issuance method and system using a mobile phone, the card issuing server of the card issuer such as credit card, prepaid card, check card and debit card through wired or wireless network, the application required for card issuance from the user Receiving information, personal information, financial information, and authentication information; automatically executing a predetermined screening process for card issuance by the card issuer's card issuing server using the received information; Creating a new card account including the card number and storing it in the card issuer's account information DB, including the newly issued card number, expiration date, cardholder information or cybercard number, etc. Transmitting the card information or the mobile ID number that can be associated with the card information; Recording the card information into an integrated circuit (IC) chip or a separate memory mounted in the mobile phone.

The step of automatically issuing a predetermined screening process for issuing a card using the received card issuing server of the card issuing company, is provided in the authentication certificate and certificate password received as the authentication information, mobile phone or user PC It further includes the user's current credit rating by using the user's image and resident registration image using a digital camera, or a security card number or one-time password issued by the bank. This includes the automatic issuance of the card issuance review by referring to the balance of the periodic deposit account, the balance of the insurance or pension plan, and the credit score of the mobile carrier.

In addition, the card issuing server of the card issuer receives the information necessary for issuing the card from the user through the wired and wireless network, and the mobile can be linked to the card information or card information newly issued to the user's mobile phone through the wireless network. The step of transmitting the ID number further includes the step of encrypting immediately before transmission and the step of decrypting immediately after reception for information security.

Mobile Phone, Card Issuance, Wireless Network

Description

System and Method of the Instant Card Issuance via a Mobile phone}

1 is a card issuing server of a card issuer such as a credit card, prepaid card, debit card, and debit card for implementation of the present invention. Receive the necessary information and automatically go through a predetermined screening process for card issuance, and as a result, generate card account information and associate it with card information or card information newly issued to the card issuer's mobile phone through the wireless network. A simple block diagram for providing a mobile ID number immediately.

2 is a simple configuration of an immediate card issuing server of a card issuer such as a credit card, prepaid card, check card, and debit card.

3 is a simple flowchart of the overall process of implementing the present invention.

<Description of main parts of drawing>

100: card issuing server 110: issuing application receiving module

120: card issue review module 130: account information generation module

140; Card information provision module 150: card account information DB

200: mobile phone 300: user PC

The present invention relates to an instant card issuance method and system using a mobile phone, the card issuer server, such as credit card, prepaid card, check card and debit card through the wired and wireless network, the application information required for card issuance from the user, Receives personal information, financial information, and authentication information, and the card issuer's server automatically performs a predetermined screening process for card issuance using the received information. It can be created and stored in the card issuer's account information DB and linked with card information or card information including the newly issued card number, expiration date, cardholder information or cyber card number through the wireless network. Send a mobile ID number that can be associated with the received card information or card information The IC mounting an ID code in the portable telephone (Integrated Circuit) or Chip, to a method and system to be incorporated into a separate memory.

With the development of wireless communication technology and IT technology, users can access the Internet using wireless communication devices, and can send and receive mails and search for information without regard to time and place. In addition, the wireless communication technology and IT technology are developing to provide a variety of additional services to mobile phone users while keeping pace with the increase in the number of mobile phone dissemination and the development of intelligent mobile phones.

Credit cards, prepaid cards, debit cards and debit cards have become a necessity in the daily life of modern people as a simple and convenient payment method that can replace cash in the wallet. However, the process of applying, issuing and sending such a card still occurs mainly offline. That is, when a user fills out and submits a card issuance application, the card issuer performs a predetermined issuance examination, and as a result, generates a card account and issues a magnetic stripe or smart card type smart card. It is sent to the applicant by mail or in person. Therefore, there is a problem that at least one to two weeks must elapse until the user applies for the card issuance and receives the card. In the rapidly changing and developing information society, the user's card information has become the most important payment method on and offline, but only the card issuance and delivery process is performed offline. Moreover, card issuers may have lost or damaged or stolen cards in the process of issuing physical cards and delivering them to them.

Therefore, by utilizing the wireless communication technology and IT technology and using the cellular phone infrastructure that most of them possess, the card issuance application is made over wired and wireless networks, and a card account is immediately generated by the user's mobile phone. The invention of transmitting a mobile ID number that can be associated with and securely stored in the mobile phone so that the user can immediately use the card is an urgent situation.

An object of the present invention to solve the above problems is the card issuer server, such as credit card, prepaid card, debit card and debit card card from the PC or mobile phone of a number of card issuing applicants connected via wired or wireless network Receive the necessary information for issuing and automatically go through a predetermined screening process for issuing a card. As a result, card account information is generated and linked with the newly issued card information or card information through the wireless network to the card issuer's mobile phone. The present invention provides a method and system for promptly providing a mobile ID number.

The present invention relates to an instant card issuance method using a mobile phone, the card issuing server of the card issuer, such as credit card, prepaid card, check card and debit card through wired and wireless network, the application information required for card issuance from the user, Receiving personal information, financial information, and authentication information, a certificate issued by the card issuer's card issuing server as authentication information, a password, a user's image using a digital camera provided on a mobile phone or user's PC User authentication is performed using a security card number or a one-time password issued by the bank, or a bank, and the user's current credit score, time deposit account balance, account balance of the insurance or pension plan The card issuance process is automatically processed by referring to the credit score of the mobile carrier. Steps, creating a new card account including the card number according to the card issuance examination results, and storing in the card issuer's account information DB, card number newly issued to the user's mobile phone through the wireless network, expiration date, card holder Transmitting a mobile ID number that can be associated with card information or card information including information or cyber card number, and an IC mounted in the cellular phone with a mobile ID number that can be associated with received card information or card information. (Integrated Circuit) It includes the step of recording in a chip or a separate memory.

In addition, the card issuing server of the card issuer receives the information necessary for issuing the card from the user through the wired and wireless network, and the mobile can be linked to the card information or card information newly issued to the user's mobile phone through the wireless network. The step of transmitting the ID number further includes the step of encrypting immediately before transmission and the step of decrypting immediately after reception for information security.

In addition, the present invention relates to an instant card issuance system using a mobile phone, a card issuing server of a card issuer such as a credit card, prepaid card, debit card and debit card, and a plurality of card issuance server and a plurality of connected via wired and wireless networks The card issuing application includes a PC and a mobile phone, and the card issuing server includes an issuing application receiving module for receiving application information, personal information, financial information, and authentication information necessary for issuing a card from a user, and an authorized certificate received as the authentication information. And user authentication using a certificate password, a user's image using a digital camera provided in a mobile phone or a user's PC, an image of a resident registration card, or a security card number or one-time password issued by a bank. Your current credit score, your periodic deposit account balance, A card issuance review module for automatically conducting a predetermined card issuance review process by referring to an account balance and a credit score of a mobile carrier, and account information for newly creating a card account including a card number according to the card issuance review result. Card information, including a generation module, a card account information DB that stores and manages newly generated account information, and a card number, expiration date, cardholder information, or cyber card number newly issued to a user's mobile phone through a wireless network. Or a card information providing module for transmitting a mobile ID number which may be associated with the card information.

For information security, since the information received from the user to the issuing application module for issuing the card is in an encrypted form, the issuing application receiving module is decrypted immediately after the reception and can be linked with the card information or the card information with the user's mobile phone. The card information providing module for transmitting the mobile ID number which encrypts the card information immediately before the transmission. Meanwhile, the cellular phone connected to the card issuing server through a wireless network includes an integrated circuit (IC) chip or a separate memory therein.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be made without these specific details. It will be apparent to those skilled in the art that the present invention may be practiced. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

In addition, in order to be more faithful to the present invention, it is noted that changes or modifications can be made by those skilled in the art without departing from the spirit of the present invention.

1 is an overall system configuration according to a preferred embodiment of the present invention. Referring to the drawings, the card issuing server 100 of the card issuer such as a credit card, prepaid card, debit card, and debit card and the mobile phone 200 of the plurality of card issuing applicants are connected to a wireless network and the user PC 300 ) Is connected via wired and wireless networks. The card issuing server 100 receives card issuing application information including application information, personal information, financial information and authentication information necessary for card issuance from the mobile phone 200 or the user PC 300 through a wired or wireless network. After the predetermined card issuance review process is automatically performed, the card account information is generated as a result, and the mobile ID number which can be associated with the newly issued card information or card information to the card issuer's mobile phone 200 through the wireless network. Will be provided immediately.

The card issuing server 100 is a server computer operated by a card issuer or an agency, and is a large-capacity computer system including a central processing unit, a RAM, a ROM, a terminal interface, and a data storage device. A traditional personal computer or workstation with processing and processing power can be used as the server computer.

In addition, the card issuing server 100 can perform a large amount of work by executing a considerable amount of mathematical calculations in information processing or database searching. Microprocessors manufactured by Intel may be used as the central processing unit.

The mobile phone 200 includes a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), a personal handyphone system (PHS), a personal digital assistant (PDA), and an international mobile telecommunication (IMT)-. This includes all 2000 handheld terminals and handheld based wireless terminals, including smart phones. The mobile phone 200 has an integrated circuit chip (ICC) or a separate memory provided therein, so that the newly issued card number, expiration date, cardholder information or the like received from the card issuing server 100 through a wireless network. The card information including the cyber card number or the like can be securely recorded the mobile ID number that can be associated with the card information.

2 is a simple configuration diagram of an immediate card issuing server 100 of a card issuer such as a credit card, prepaid card, check card and debit card. Referring to the drawings, the card issuing server 100 issuing application receiving module 110, card issuing examination module 120, account information generation module 130, card information providing module 140 and card account information DB (150) ). Issuing application receiving module 110 is a program for receiving information required for card issuance, such as application information, personal information, financial information and authentication information for card issuance from the user. Since the information required for card issuance for information security is encrypted and transmitted from the mobile phone 200 or the user PC 300, the issuing application receiving module 110 decrypts the received information immediately after the reception. The card issuance evaluation module 120 is a public certificate issued by the issuing application receiving module and certificate password, the user's image using the digital camera provided in the mobile phone or the user's PC and the image of the resident registration card, or issued by the bank User authentication is done using a security card number or one-time password, and the user's current credit score, the balance of the deposit account, the account balance of the insurance or pension plan, and the credit score of the mobile carrier. It is a program that automatically proceeds with the predetermined card issuance screening process by referring to the back. The account information generation module 130 is a program for newly creating a card account including the card number according to the card issuance examination result. Card information providing module 140 is a mobile phone number of the user through a wireless network through a mobile ID number that can be associated with card information or card information, including newly issued card number, expiration date, card holder information or cyber card number, etc. Is a program to transfer.

For information security, the card information providing module 140 encrypts the mobile ID number that may be associated with the card information or the card information immediately before transmission. The card information or the mobile ID number that can be associated with the card information is decrypted again in the mobile phone 200. The card account information DB 150 is a database for storing and managing newly created account information.

3 is a simplified flowchart of the overall process as a preferred embodiment of the present invention.

The user inputs card issuance application information including application information, personal information, financial information, and authentication information necessary for issuing a card such as a credit card, prepaid card, debit card, and debit card into a mobile phone or user PC. The personal information is information on an individual's personal information such as a user's name, social security number, telephone number, address, and occupation. Financial information refers to a user's bank account number and credit card number. The authentication information is information that allows a third party to objectively authenticate himself or herself, using an authorized certificate and certificate password, a user's image using a digital camera provided in a mobile phone or a user PC, an image of an resident registration card, or security issued by a bank. Your card number or one-time password.

The input card issuing application information is encrypted in a mobile phone or a user PC for information security (S110). The mobile phone is connected to a card issuing server of a card issuer through a wireless network and, in the case of a user PC, a wired and wireless network. The information received from the card issuing server is decoded and temporarily stored in the card issuing application DB. (S 130) The card issuing application information is automatically subjected to a predetermined screening process for card issuing. S140) The card issuance screening process proceeds with user authentication using the above authentication information and refers to the current credit score of the user, the balance of the periodic deposit account, the account balance of the insurance or pension, the credit score of the mobile carrier, etc. Issue issuance review automatically. As a result, if the card is not suitable for issue, the examination result is notified to the mobile phone or user's PC of the issuing applicant that the issuance is inadequate. It is generated (S150) and stored in the card account information DB. (S160) When the issuing applicant requests immediate receipt of newly issued card information, the newly issued card number, expiration date, cardholder information or cyber for information security. Card information including a card number or the like, or a mobile ID number that can be associated with the card information is encrypted by the card issuing server (S170). The processed information is transmitted to the user's mobile phone through the wireless network (S180). The card information received from the mobile phone or the mobile ID number that can be associated with the card information is decrypted and installed in the mobile phone. rated circuit chip) or separately stored in a separate memory (S190).

As described above, although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto and is intended by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalent claims.

According to the present invention, a card issuer server such as a credit card, prepaid card, check card and debit card receives application information, personal information, financial information and authentication information necessary for issuing a card from a user through a wired or wireless network. The issuer's server automatically proceeds with the predetermined screening process for user authentication and card issuance using the received information, and creates a new card account including the card number according to the card issuance screening result. IC (Integrated Circuit) installed in the mobile phone by transmitting the card information including the newly issued card number, expiration date, cardholder information or cyber card number or mobile ID number to be linked to the card information. To be stored in a chip or separate memory, As the payment and delivery process is performed online without time and space constraints, many card issuers can save time and money by making the card application and issuing process very simple. This eliminates the need for the transfer process and saves a lot of money, and there is an advantage that there is no risk of loss, damage or theft of the card in the process of issuing and transferring the card.

Claims (9)

 Card issuer's card issuing server such as credit card, prepaid card, debit card and debit card provides the application information, personal information, financial information and authentication information necessary for card issuance from user's mobile phone or user's PC. Receiving; Automatically executing, by the card issuer's card issuing server, a predetermined screening process for issuing a card using the received information; Creating a new card account including the card number according to the card issuance examination result and storing it in the account information DB of the card issuer; Transmitting a card information including a newly issued card number, expiration date, cardholder information or cybercard number, or a mobile ID number to a mobile phone of the user through a wireless network; And Receiving the card information or the mobile ID number that can be associated with the card information in the integrated circuit (IC) Chip or a separate memory mounted in the mobile phone Immediate card issuing method using a mobile phone characterized in that The method of claim 1, Receiving, by the card issuer's card issuing server, the card issuing server from the user's mobile phone or user's PC through the wired or wireless network; Transmitting the newly issued card information or the mobile ID number that can be associated with the card information to the user's mobile phone through the wireless network, Encrypting immediately before transmission and decrypting immediately after receiving for information security Immediate card issuing method using a mobile phone characterized in that The method of claim 1, The card issuer of the card issuer automatically proceeds a predetermined screening process for issuing a card using the received information. Automatically conducts a predetermined card issuance review process by referring to the user's current credit score, the time deposit account balance, the account balance of the insurance or pension plan, and the credit score of the mobile carrier. Immediate card issuing method using a mobile phone characterized in that The method of claim 1, The card issuer of the card issuer automatically proceeds a predetermined screening process for issuing a card using the received information. Received authentication certificate and certificate password received as authentication information, user's image and resident registration image using digital camera equipped with mobile phone or user PC, security card number or one-time password issued by bank Further comprising the step of proceeding to authenticate the user identity using Immediate card issuing method using a mobile phone characterized in that Card issuing servers of card issuers such as credit cards, prepaid cards, check cards and debit cards;  A plurality of user PCs connected to a card issuing server through wired or wireless networks; And  Multiple mobile phones connected via card issuing server and wireless network Including, The card issuing server Issuing application receiving module for receiving application information, personal information, financial information and authentication information required for card issuance from the user, Card issuance evaluation module for automatically performing a predetermined screening process for the card issuance using the received information, Account information generation module for newly generating a card account including the card number according to the card issuance examination result, Card account information DB for storing and managing newly created account information, and Card information providing module for transmitting card information including card number, expiration date, card holder information or cyber card number, or mobile ID number that can be linked to card information through wireless network Immediate card issuing system using a mobile phone, characterized in that it comprises a The method of claim 5, The cellular phone receives the encrypted card information or the mobile ID number that can be associated with the card information from the card information providing module, decrypts it, and loads the card into an IC (Integrated Circuit) chip mounted inside or a separate memory provided therein. Recording information Immediate card issuing system using a mobile phone characterized in that The method of claim 5, The issuing application receiving module receives the encrypted information from the user PC or the mobile phone and decrypts it. The card information providing module encrypts a mobile ID number that can be associated with the issued card information or card information and transmits it to a mobile phone. Immediate card issuing system using a mobile phone characterized in that The method of claim 5, The card issuance review module automatically performs a predetermined card issuance review by referring to the user's current credit score, the periodic deposit account balance, the account balance of the insurance or pension plan, and the credit score of the mobile carrier. Immediate card issuing system using a mobile phone characterized in that The method of claim 5, The card issuance evaluation module is a public certificate and certificate password received as authentication information, a user's image and a resident registration card image using a digital camera provided in a mobile phone or a user PC, a security card number or a one-time password issued by a bank (one- User authentication using time password) Immediate card issuing system using a mobile phone characterized in that

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