KR20040069294A - Digital card loaded on mobile device and system for billing using by the digital card and method thereof - Google Patents

Abstract

PURPOSE: A digital to be installed to a mobile terminal, and a system and a method for settlement using the same are provided to make a user use the cards easily in any where and remove a worry for the lose or the burglary of the cards by installing all cards to the terminal without holding the cards. CONSTITUTION: An issuance certification server(306) issues the digital card comprising a data file encrypting/storing an image file and the credit card information, and downloads the digital card to the mobile terminal(310) of the user. The mobile terminal stores the digital card downloaded from the issuance certification server to a memory and transmits the information of the data file for one digital card as an optical signal by controlling an optical signal source in the mobile terminal. A digital card reader(320) detects the optical signal output from the mobile terminal, converts the optical signal into an electric signal, and outputs the electric signal. A settlement terminal(330) requests a credit card settlement to a VAN(Value Added Network) company(340) by using the signal transmitted from the digital card reader.

Description

DIGITAL CARD LOADED ON MOBILE DEVICE AND SYSTEM FOR BILLING USING BY THE DIGITAL CARD AND METHOD THEREOF}

The present invention relates to a digital card that can be mounted on a mobile terminal, a payment system that can use the digital card, and a method thereof, and more particularly, to a digital card comprising a predetermined image file and a data file including card information. The present invention relates to a system mounted on a user's mobile terminal and capable of payment or identity verification using a digital card of the mobile terminal if necessary.

Conventional credit cards are issued at the time of issuance, and have had many problems such as loss of credit cards, card theft by others, and theft of card information. In order to solve these problems, a smart card using a semiconductor chip has been proposed, but it has not been activated due to factors such as inconvenience in use and sluggish spread of payment systems.

Therefore, the present invention is to propose a digital card grafting a mobile terminal and a card that modern people always carry like a necessity.

An object of the present invention for solving the above problems is to propose a new concept digital card, and to provide a payment system that can use such a digital card.

In addition, another object of the present invention is to provide a digital card management system that can be applied to the above-described digital card, such as credit card, integrated mileage card, ID card, digital lottery, digital key (key).

1 is a diagram illustrating a state in which a plurality of digital cards are mounted on a mobile terminal according to the present invention.

2 is a block diagram schematically showing the configuration of a digital card reading apparatus according to the present invention;

Figure 3 is a block diagram showing an overall payment system according to a first embodiment of the present invention.

4 is a flowchart sequentially showing the operation of the access software according to the first embodiment of the present invention;

FIG. 5 is a block diagram of an integrated mileage issuing system according to a second embodiment of the present invention.

6 is a block diagram schematically showing the configuration of a mileage integration server of the integrated mileage issuing system according to a second embodiment of the present invention.

7 is a block diagram showing the overall digital ID card issuing system according to a third embodiment of the present invention.

8 is a block diagram showing the overall payment system according to a fourth embodiment of the present invention.

9 is a block diagram showing a digital card reading apparatus of the payment system according to the fourth embodiment of the present invention.

10 is a block diagram showing an overall digital lottery issuing system according to a fifth embodiment of the present invention.

FIG. 11 is a block diagram showing an overall system of a door locking system using a digital key according to a sixth embodiment of the present invention. FIG.

12 is a block diagram showing an internal configuration of a door locking device of the door locking system according to the sixth embodiment of the present invention.

13 is a block diagram showing the overall payment system according to a seventh embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

200, 320, 720, 820, 1350: Digital Card Reader

1040: data reader

100, 310, 710, 810, 1030, 1110, 1340: mobile terminal

500: Integrated Mileage Management System

507 Mileage Integration Server

700: Digital ID Card Management System

300, 800: Digital card management system

1000: Digital Lottery Management System

1100: Digital key issuing server

1120: door lock

1300: Gift Certificate Management System

A feature of the present invention for achieving the above technical problem relates to a digital card system using a digital technology,

An issuing authentication server for issuing a digital card comprising a predetermined image file and a data file encrypted by storing the card information, and downloading it to a user's mobile terminal;

A mobile terminal for downloading the digital card from the issuing authentication server, storing the digital card in a memory, controlling an optical signal source in the terminal, and transmitting information of a data file of one digital card as an optical signal;

And a digital card reader for detecting an optical signal output from the mobile terminal, converting the detected signal into an electrical signal, and outputting the converted electrical signal.

The digital card reader transmits the read signal to an external specific server to perform a desired function of the digital card.

Credit card payment system using a digital card according to another aspect of the present invention,

An issuing authentication server for issuing a digital card comprising a predetermined image file and a data file encrypted by storing the card information, and downloading it to a user's mobile terminal;

A mobile terminal for downloading the digital card from the issuing authentication server, storing the digital card in a memory, controlling an optical signal source in the terminal, and transmitting information of a data file of one digital card as an optical signal;

A digital card reader for detecting an optical signal output from the mobile terminal, converting the detected signal into an electrical signal, and outputting the electrical signal;

And a payment terminal for requesting a credit card payment to a VAN company using a signal transmitted from the digital card reader.

In addition, the issuing authentication server, in response to a request from the user, receives the credit card information from the server of the credit card company, as a data file and encrypts the received credit card information and stored as an image file for the credit card A digital card issuing unit for issuing a digital card,

A download unit for downloading the issued digital card to the user's terminal;

A database for storing and managing information on the issued card and information on the user is included, so that the digital card issued on the user's terminal can be loaded.

Herein, the payment system further includes a transaction authentication server, wherein the transaction authentication server is connected to a mobile terminal, a payment terminal, a server of a VAN company, or a server of a credit card company when the user pays using a digital card. It is preferable to carry out.

According to another aspect of the invention, the integrated mileage management system using a digital card,

A card issuing server for issuing an integrated mileage card consisting of data files stored by encrypting predetermined image files and card information, and downloading them to a user's mobile terminal;

A mobile terminal equipped with the integrated mileage card and outputting information of the integrated mileage card in the form of an optical signal according to a user's request;

A digital card reader for detecting a signal output from the mobile terminal, converting the detected signal into an electrical signal and outputting the converted signal;

A mileage integration server which receives information about the integrated mileage card and the mileage score to be accumulated from the digital card reader, converts the mileage score to be accumulated according to a preset method, and adds the integrated mileage card to the integrated mileage card; In addition, by using a single integrated mileage card mounted on the user's mobile terminal to allow the integrated management of the mileage earned from a number of partners.

Here, the mileage consolidation server, it is preferable to receive information about the integrated mileage card and the mileage point to be used from the digital card reader, and to subtract the mileage point to be used from the integrated mileage of the integrated mileage card.

The digital card reader may further include a signal detector configured to detect an optical signal output from a mobile terminal, convert the detected signal into an electrical signal, and transmit the converted signal, and data transmitting the signal transmitted from the signal detector to the outside. It is provided with a transmission unit.

Digital ID card issuing system according to another aspect of the present invention,

A card issuing server for issuing a digital ID card comprising a predetermined image file and a data file encrypted by storing identification information for an individual, and downloading the issued digital ID card to a mobile terminal of the user;

A mobile terminal which downloads and mounts the digital ID card from the card issuing server and outputs the information of the digital ID card to the outside in the form of an optical signal according to a user's request;

And a digital card reader for detecting an optical signal output from the mobile terminal, converting the detected optical signal into an electrical signal, and outputting the result to the outside or outputting to the screen display unit of the mobile terminal.

The ID card issuing system may further include a computer connected to the digital card reader, wherein the computer receives a corresponding signal from the digital card reader, reads the received signal, and displays information on the digital ID card. It is preferable to output the information to the screen or the corresponding history information of the internal database.

Digital card reading apparatus according to another aspect of the present invention,

A control unit for controlling the overall operation;

A signal detector for detecting an optical signal output from the mobile terminal, converting the detected signal into an electrical signal, and transmitting the electrical signal;

A network interface unit for connecting to an external network,

A data transmitter for transmitting a signal transmitted from the signal detector to an external management server or receiving predetermined data from an external management server under the control of the controller;

Under the control of the controller, a receipt output unit for outputting a receipt using data received through the data transmission unit is provided.

Digital lottery issuing system according to another aspect of the present invention,

A digital lottery issuing server for issuing a digital lottery comprising a predetermined image file and a data file encrypted by storing the lottery number, and downloading the issued digital lottery to a user's mobile terminal;

A mobile terminal for downloading a digital lottery ticket from the digital lottery issuing server, and outputting data file information of the digital lottery ticket in the form of an optical signal to confirm whether or not the prize is won;

A digital card reader for detecting an optical signal output from the mobile terminal, converting the detected signal into an electrical signal, and transmitting the converted signal to the outside;

The digital card reader receives information about the digital lottery ticket, and checks whether the winning lottery ticket is received and transmits the verification result to the digital card reader device. You can check whether you win the lottery.

Door locking device that can release the lock state using a mobile terminal according to another feature of the present invention,

Memory that has been preset and stored in the password of the door lock,

A signal detector for detecting a signal output from the mobile terminal, converting the detected signal into an electrical signal, and transmitting the signal;

And a control unit for comparing the signal received from the signal detection unit with the password stored in the memory, and releasing the lock of the door if they match each other.

Door lock system using a digital key according to another feature of the present invention,

A digital key issuing server configured to download a digital key comprising a data file encrypted by storing data input from a user to a user's terminal;

A mobile terminal for downloading a digital key from the digital key issuing server and outputting information of a data file of the digital key in a predetermined signal form according to a user's command;

It is provided with a door locking device that can release the lock state by using the mobile terminal,

The door locking device may include a memory having a preset password stored in the door locking device, a signal detecting unit detecting a signal output from a mobile terminal, converting the detected signal into an electrical signal, and transmitting the signal; And a controller for comparing the signal received from the password with the password stored in the memory, and releasing the lock of the door if they match each other.

The signal output from the mobile terminal may be an optical signal or an acoustic signal, and the signal detection unit of the door locking device may detect an optical signal or an acoustic signal.

Connection software that can be executed in a mobile terminal according to another aspect of the present invention,

(a) when the card menu is selected by the user, a process of outputting the type of digital card mounted on the mobile terminal to the screen;

(b) one of the digital cards outputted on the screen is selected by the user, and outputs an image file corresponding to the selected digital card on the screen;

(c) receiving a password from the user for the digital card;

(d) checking whether the entered password matches the set password;

(e) If the passwords match, a procedure of outputting information of the data file of the digital card in the form of an optical signal is performed.

Hereinafter, with reference to the accompanying drawings will be described in detail the overall configuration and operation of the payment system using a digital card stored in the mobile terminal according to the present invention. Here, the term "mobile terminal" refers to a terminal having a memory therein and providing mobility, such as a mobile communication terminal, a personal digital assistant (PDA), a smartphone, etc., which can be equipped with a digital card according to the present invention. Is generically.

First, a digital card used in the payment system according to the present invention will be described in detail with reference to FIG. 1.

As shown in FIG. 1, the digital card 110 is a virtual card that can be stored and used in the internal memory of the mobile terminal 100, and encrypts the image file 120 and the card information for the card. And a data file 130 stored therein. In this case, in consideration of the size of the memory of the mobile terminal, it is not necessary to include an image file for the card, but it is preferable to include the image file in the digital card for the convenience of the user. Meanwhile, one mobile terminal can store a plurality of digital cards, and the number of cards that can be stored in the mobile terminal will be determined according to the size of the built-in memory.

In addition, the mobile terminal 100 further includes a connection software 140 in a memory, and the connection software 140 provides card information for one digital card 110 selected according to a user's command to receive an optical signal and a sound. Various types of signals and the like are transmitted to the digital card reader. In this case, as a signal source of the optical signal, a backlight of a liquid crystal display (LCD), a keypad backlight, an organic EL, etc. may be used, and an output speaker may be used as a signal source of an acoustic signal. Specific procedures and functions performed by the access software will be described later.

Meanwhile, the digital card reader detects a signal transmitted from the mobile terminal, converts the detected signal into an electrical signal, and outputs the converted signal. In addition, the output signal of the digital card reading apparatus may be transmitted to the card payment terminal according to the type of the system to which the apparatus is applied, or may be connected to an external related server via a network such as the Internet to transmit the corresponding information. .

2 is a block diagram schematically showing the configuration of the digital card reading apparatus 200. As shown in FIG. 2, the digital card reading apparatus 200 includes a signal detector 210 and a data transmitter 220. The signal detector 210 detects a signal transmitted from the mobile terminal, converts the signal into an electrical signal, and transmits the signal to the data transmitter. The data transmitter 220 outputs a signal received from the signal detector to an external device (eg, a card payment terminal, a dedicated line, an Internet VPN, etc.).

On the other hand, another embodiment of the digital card reading apparatus further includes a control unit 230 and a network interface unit 250, connected to an external specific server under the control of the control unit 230, and the signal from the signal detection unit. Will be sent.

Still another embodiment of the digital card reader further includes a printer 240 capable of outputting a receipt as well as a control unit and a network interface unit to output information transmitted from a connected server.

As described above, the payment system using the digital card according to the present invention converts a conventional plastic card such as a credit card, a mileage card, an identification card, etc. into a digital card, downloads it to the user's mobile terminal, and mounts the same on the terminal. It will provide a system for payment. In particular, the digital card according to the present invention can mount a plurality of digital cards in the terminal without changing the hardware of the terminal, and the desired digital card can be conveniently used.

First embodiment

Hereinafter, a payment system using a digital card according to a first embodiment of the present invention will be described in detail with reference to FIG. 3. This embodiment applies the payment system according to the present invention for issuing a credit card, and mounts a currently used credit card to a user's mobile terminal in the form of a digital card, and then pays using a digital card mounted on the mobile terminal. It relates to a system that can be performed.

Referring to FIG. 3, the payment system according to the present invention is a digital card management system 300 for issuing a digital card and performing transaction authentication, a mobile terminal 310 equipped with a digital card, and information of the digital card from the mobile terminal. Digital card reader 320 for receiving a signal for and converts it into an electrical signal and outputs, the payment to transmit the information and payment-related information received from the digital card reader to the VAN server of the Value Added Network (VAN) provider Terminal 330, VAN server 340, and credit card company server 350. Hereinafter, each element of the payment system according to the present invention will be described in detail.

The digital card management system 300 includes a database 308, a member management server 302 for storing and managing information on members, and an issuing authentication server 304 for issuing and transmitting a digital card to a user's mobile terminal. ), A transaction authentication server 306 for authenticating a transaction using a digital card. Each server constituting the card management system 300 may be logically separated from each other as a server performing different functions, but may be physically installed in one system.

When the issuing authentication server 304 receives a request for issuing a digital card from the outside, the issuing authentication server 304 transmits an issuing request signal to a server of a credit card company that actually issues the card, and receives card issuing information from a corresponding credit card company or an affiliate company. The card issuing information further includes information on an issuer for issuing a digital card, a personal password, an issue date, and the like, in addition to the information included in the existing credit card.

After receiving the card issuing information, the issuing authentication server encrypts the card issuing information and converts the card issuing information into a stored data file. On the other hand, a user who requests the issuance of a digital card downloads the digital card to his mobile terminal and stores it in the internal memory of the mobile terminal.

In addition, in order to use the downloaded digital card, the access software is required in the user's terminal, and the access software may be downloaded to its own terminal by accessing the issuing authentication server, or may be downloaded together when the digital card is downloaded. There will be.

Next, the transaction authentication server 306 is connected to a mobile terminal, a VAN server, or a credit card company server at the time of a transaction using a digital card, and receives a transaction authentication request, and performs transaction authentication according to the request.

The issuance related information by the issuing authentication server and the transaction authentication information by the transaction authentication server are all stored and managed in the member database 308 by the member management server 302.

Next, since the digital card reader 320 is the same as that described with reference to FIG. 2, duplicate description thereof will be omitted. The output terminal of the digital card reader is connected to the payment terminal 330 to transmit an electrical signal for the information of the digital card to the payment terminal, and the payment terminal uses the received signal, as in the conventional processing. Payment related information will be sent to the company's server. Also, when the payment terminal receives the payment approval information from the VAN company, the payment terminal outputs the corresponding receipt.

On the other hand, the VAN server 340 checks the payment approval to the server 350 of the credit card company in response to a request from the payment terminal and receives the payment approval information and transmits back to the payment terminal.

4, the configuration and function of the connection software installed in the user's terminal according to the present invention will be described in detail.

4 is a flowchart sequentially showing the operation of the access software according to the present invention. Referring to FIG. 4, first, according to the user's card function selection (step 400), the type of card mounted on the screen of the terminal is displayed (step 410). If one digital card is selected by the user (step 420), an image file of the selected card is displayed on the screen and a password input is requested (step 430). After confirming the user with the entered password (step 440), if the password matches, the optical signal source such as the keypad backlight of the mobile terminal, the backlight of the LCD, or the organic EL is controlled according to the information stored in the data file of the selected card. The signal is sent (step 450).

Through this process, the optical signal transmitted from the mobile terminal is sensed by the digital card reader, and converted into an electrical signal and output to an external payment terminal, so that payment can be performed using a digital card as before. .

In another embodiment of the above-described connection software, in addition to using a password to confirm the user for the digital card, the user verification process may be performed using biometric information about the user. As biometric information, the biometric characteristics of a person such as a fingerprint, iris, face, and voice are used. The biometric information is stored in a user's mobile terminal in advance, and the biometric information corresponding to the digital card is used. After input from the user, it is confirmed that the user by comparing with the pre-stored data.

According to the present embodiment, a conventional credit card or the like can be digitally mounted on a user's mobile terminal without any hardware change of the mobile terminal, and can be conveniently used anytime and anywhere.

Second embodiment

Hereinafter, the configuration and operation of an integrated mileage issuing system for issuing and using an integrated mileage card in the form of a digital card according to the second embodiment of the present invention will be described in detail.

Referring to FIG. 5, the mileage management system 500 according to the present embodiment includes a member management server 502, a member database 508, an issuance authentication server 504, a transaction authentication server 506, and a mileage integration server 507. ). Since the configuration and operation of the member management server, member database, issuance authentication server and transaction authentication server of the mileage management system are the same as those of the first embodiment described above, duplicated description is omitted.

The issuing authentication server 504 issues an integrated mileage card that can be used jointly by a plurality of affiliates to the user in the form of a digital card, and downloads it to the user's mobile terminal.

Meanwhile, the mileage integration server 507 of the mileage management system integrates and manages the mileage for the user that is accumulated in a plurality of affiliates, and enables the use of the integrated mileage in the affiliates. Hereinafter, the function and operation of the mileage integration server will be described with reference to FIG. 6.

Referring to FIG. 6, the mileage integration server 507 includes an integrated mileage management unit 600, an integrated mileage use unit 610, an integrated mileage confirmation unit 620, and the like.

The integrated mileage management unit 600 receives the mileage score and the integrated mileage card number obtained by the user based on the transaction performance of the user from the affiliate, converts the mileage in a predetermined unit, and converts the mileage score Is added to the accumulated integrated mileage of the user's corresponding integrated mileage card and stored in the database.

When the integrated mileage using unit 610 is requested to use the integrated mileage from the user or an affiliate, the integrated mileage is checked from the database, the authenticated use of the integrated mileage of the requested score, and then used from the integrated mileage. The score is then subtracted and stored in the database.

The integrated mileage checking unit 620 reads the current integrated mileage from the database according to a request from the user and informs the screen of the user's mobile terminal. In addition, the user may access the web server to check his / her integrated mileage, and may access the ARS server to check his / her integrated mileage, and such a web server access method or ARS server access method may be widely used in the art. Since it is a known technology, a detailed description of this process will be omitted.

Hereinafter, an operation process of the system according to the present embodiment will be described. First, a user receives an integrated mileage card consisting of a data file encrypted and stored in an image file and a card number from an issuing authentication server and downloads it to his mobile terminal. Next, when a user acquires mileage from an affiliate company, the user accumulates mileage using the integrated mileage card of the terminal. At this time, the connection software of the terminal transmits an optical signal for the information of the integrated mileage card, and the digital card reader installed in the affiliate detects the signal transmitted from the terminal and converts it into an electrical signal and outputs it to an external mileage integration server. do. The mileage integration server stores and manages the received integrated mileage card information and mileage score.

According to this embodiment, the user can integrate and manage the mileage accumulated from the affiliates using one integrated mileage card mounted in the mobile terminal, and can be conveniently used in the desired affiliate. In addition, according to the present embodiment, the user can easily check his / her integrated mileage through his terminal.

Third embodiment

Hereinafter, the configuration and operation of the ID card issuing system using the digital card according to the third embodiment of the present invention will be described in detail. 7 is a configuration diagram schematically showing the configuration of the ID card issuing system according to the third embodiment of the present invention.

The system according to the present embodiment digitally converts a driver's license, a resident registration card, a student's card, an employee's card, a health insurance card, etc., which perform a function of an ID card, to be mounted on a user's mobile terminal. The ID card is composed of an image file and a data file, and the image file may include or optionally include both a picture of the user and an image of the card. In addition, the data file is configured in a state in which identification data is encrypted according to the type of the ID card. For example, in the case of a resident registration card, the data file should include at least a user name, a resident registration number, an address, an issuer, and an issue date, and the image file may include a photo and a fingerprint. In addition, in the case of a driver's license, the data file will include a driver's license registration number, a user name, an address, a license renewal period, an issue date, and the like. As such, the ID card mounted in the form of a digital card in the mobile terminal can be conveniently used anytime and anywhere because the user can always carry it.

Referring to FIG. 7, the ID card issuing system according to the present embodiment includes an issuing server 702 for issuing an ID card, an authentication server 704 for authenticating an identity to a user using an ID card in the form of a digital card, A database 706 for storing and managing information about a user, a mobile terminal 710 of a user equipped with an ID card, and a digital card reading apparatus 720 for receiving information of an ID card from the mobile terminal. Hereinafter, each element which comprises this system is demonstrated concretely.

First, the issuing server 702 may newly issue an ID card in the form of a digital card according to a request from a user, or additionally issue a digital card for an issued ID card. In the case of newly issuing an ID card in the form of a digital card, an ID card is issued after a necessary new issuing process after performing an authentication process for the user. On the other hand, when additionally issuing a digital card for the issued ID card, after the authentication process for the user, an ID card in the form of a digital card including the same information as the issued card is issued. On the other hand, the issued ID card is composed of an image file and a data file, the image file and the data file is downloaded to the mobile terminal of the user and mounted on the mobile terminal.

Next, when the authentication server 704 is requested to authenticate the user using the ID card via the digital card reader 720, the information stored and managed in the database 706 and the digital card readout. The identification information transmitted from the device is compared and judged to perform authentication. As a result, the information is transmitted back to the digital card reader, thereby authenticating the user.

The digital card reader 720 receives information of an ID card from the mobile terminal, transmits the received information to the authentication server 704, and displays information on a user authentication result transmitted from the authentication server. Output to an output medium such as a printer. In this case, the digital card reader 720 may be connected to a computer 730 that performs a function of the authentication server 704 using a USB or a serial / parallel interface method. Further, another embodiment of the digital card reader may include a communication module such as a modem therein, and may connect to the authentication server 704 via the Internet using the communication module.

The database 706 stores and manages all information and histories of users registered by the issuing server and the authentication server.

According to the present embodiment, the user can mount various types of ID cards, which serve as his or her ID card, in his mobile terminal, without being limited in number, and can be conveniently used anytime and anywhere. In addition, the database can store and manage the history information of the user, it is easy to check the history information as well as the authentication of the user.

Another embodiment of the present embodiment, by storing the health insurance card-related data in the digital ID card, and by storing and managing medical history information for the user in the database 706, anytime, anywhere, even if an emergency situation occurs to the user Examination or treatment of the user is possible.

Fourth embodiment

Hereinafter, the configuration and operation of a payment system using a digital card that can be applied to door-to-door sales according to a fourth embodiment of the present invention will be described in detail.

The payment system according to the present embodiment includes a digital card management system 800, a mobile terminal 810 of a user equipped with a digital card, a digital card reader 820, a VAN server 840, a credit card company server 850, and the like. It consists of. The configuration and operation of the digital card management system 800, mobile terminal, VAN server and credit card company server are the same as those in the above-described first embodiment, and thus redundant description is omitted.

The digital card reading apparatus 820 according to the present embodiment is portable so that it can be used for door-to-door sales. The signal detection unit 900 can receive and read a signal of information of a digital card transmitted from a mobile terminal. A data transmission unit 910 capable of transmitting or receiving data to the outside via a network, a receipt output unit 920 capable of outputting a receipt received through the data transmission unit, and a controller 950 for controlling overall operations In addition, a key input unit 930 and a display unit 940 may be further provided.

The signal detection unit 900 detects a signal for information of the digital card transmitted from the mobile terminal, and converts the detected signal into an electrical signal. The signal detection unit according to the method of transmitting the signal by the mobile terminal It is composed. For example, when the mobile terminal controls the backlight of the keypad or the LCD and transmits data on the digital card as an optical signal, the signal detection unit 900 includes an optical sensor capable of detecting the optical signal. On the other hand, when the mobile terminal controls the sound output to the speaker, and transmits the data for the digital card as an audio signal, the data receiving unit is provided with a sensor for detecting the sound signal.

The signal received by the signal detector 900 is read by the controller 950, and the read card information and payment information are transmitted to an external VAN company server through the data transmitter 910. On the other hand, if the payment is approved after the payment approval information from the server of the VAN company through the data transmission unit 910, the data reader will output the receipt of the transaction through the receipt output unit 920.

On the other hand, the receipt output unit 920 may be a printer for printing and printing a receipt, the operation is controlled by the controller 950.

According to this embodiment, the payment system according to the present invention can also be applied to door-to-door sales that visit a home of a user and sell a product. In particular, the door-to-door sales are made using a credit card in a home without a card payment machine. In this case, by using the data reading apparatus according to the present embodiment, the card payment as well as the data receiving function for the digital card are performed. You can perform all the functions of the machine.

Fifth Embodiment

Hereinafter, the configuration and operation of a payment system using a digital card applied to the issuance of a lottery ticket according to the fifth embodiment of the present invention will be described in detail. The lottery ticket (hereinafter referred to as "digital lottery ticket") according to the present embodiment is configured in the same form as the above-described digital card, and consists of an image file for the lottery ticket and a data file in which the lottery ticket number is encrypted.

10 is a block diagram showing the overall system according to the present embodiment. Referring to FIG. 10, the system according to the present embodiment includes a digital lottery management system 1000 including a lottery issuing server 1010 and a lottery winning authentication server 1020, and a mobile terminal 1030 of a user equipped with a digital lottery. And a data reading apparatus 1040 for receiving data on the digital lottery from the mobile terminal or connecting to an external lottery management system.

The lottery issuing server 1010 of the digital lottery management system 1000 issues a digital lottery ticket at the user's request and downloads it to the user's mobile terminal. The issued information about the digital lottery is stored and managed in the database 1050 of the lottery management system.

The user who has downloaded the digital lottery ticket to the mobile terminal transmits the data information about the digital lottery ticket to the data reading apparatus 1040 using the internal access software.

Since the data reading device 1040 is configured in the same way as the digital card reading device of FIG. 9, redundant descriptions thereof will be omitted. That is, the digital lottery data is received from the mobile terminal through the signal detection unit of the data reading apparatus. The received data is read by the control unit, and the read data is transmitted to the lottery winning authentication server 1020 of the lottery management system using the data transmission unit to check whether the winning. The result information on the winning or not is received from the lottery winning authentication server, and the result is output through the receipt output unit 920 or the screen display unit 950.

Meanwhile, the lottery winning authentication server 1020 may transmit the lottery winning room to the user who has won the lottery by using a short text message.

According to this embodiment, there is no need to produce a paper lottery, and there is no fear of loss or theft of the lottery.

Sixth embodiment

Hereinafter, the configuration and operation of the door locking device using the digital card according to the sixth embodiment of the present invention will be described in detail. In this embodiment, a password for opening a door lock is configured in the form of the above-described digital card (hereinafter referred to as a "digital key") and mounted on a user's mobile terminal.

11 is a block diagram showing the overall system of implementing the door locking device according to the present embodiment. Referring to FIG. 11, the door locking system according to the present embodiment includes a digital key issuing server 1100 for downloading a digital key to a user's mobile terminal, a user's mobile terminal 1110 equipped with a digital key, and a digital key. And a door lock 1120 for reading the key to open the door.

The issuing server 1100 receives a password inputted by the user from the user, encrypts the password inputted by the user, constructs a data file, and downloads the data file configured as the digital key to the user's mobile terminal.

The user operates the door locking device 1120 using the digital key downloaded to his mobile terminal.

As illustrated in FIG. 12, the door locking device 1120 includes a signal detector 1200, a controller 1210, a memory 1220, and a key input unit 1230. First, the user sets the same password as the digital key by using the key of the key input unit 1230. Under the control of the control unit 1210, the password input through the key input unit is set and stored in the memory 1220.

On the other hand, when the data for the digital key from the user's mobile terminal is input through the signal sensing unit 1200, the control unit is released compared with the password set in the memory to unlock the door lock device.

According to the present invention, the user is equipped with a digital key for releasing the door locking device to his mobile terminal, there is no need to memorize the password separately, it is not necessary to carry a separate key.

Seventh embodiment

Hereinafter, the configuration and operation of a payment system using a digital card applicable to the issue and use of a digital gift certificate according to the seventh embodiment of the present invention will be described in detail. The payment system according to the present embodiment is a payment system for issuing a gift certificate (hereinafter, referred to as a "digital gift certificate") in the form of a digital card and using the same.

FIG. 13 is a diagram illustrating the entire payment system according to a seventh embodiment of the present invention. FIG. Referring to FIG. 13, the payment system according to the present embodiment includes a digital gift certificate issuing server 1310, a history checking server 1320, a use authentication server 1330, and a database 1370. A mobile terminal 1340 of a user carrying a digital gift card, a digital card reader 1350, and a computer 1360 capable of receiving data from the digital card reader.

First, a digital gift certificate mounted on a user's mobile terminal is composed of an image file of a gift certificate and a data file encrypting information on the gift certificate (for example, an issuing company and an amount of money).

The merchant voucher issuing server 1310 downloads the digital voucher to the user's mobile terminal according to the user's request. At this time, if the user is requested to download the digital gift certificate to the third party's mobile terminal, the digital gift certificate is downloaded to the third party's mobile terminal with the consent of the third party.

The details checking server 1320 may be accessed by the user to query the usage history and the current balance of the digital gift certificate mounted on his mobile terminal.

The user authentication server 1330 authenticates the use of the digital gift certificate through the digital card reader 1350 and the computer 1360 when the user uses the digital gift certificate.

On the other hand, the user sends the data for the digital gift certificate from the terminal to the digital card reader in order to use the digital gift certificate mounted in the terminal. The digital card reader includes an interface unit to transmit data about a digital gift certificate received from a terminal to a computer through the interface unit. In this case, the interface method may use a USB interface method, and may be variously used as long as the interface method communicates with a computer. The computer accesses the user authentication server 1330 via a network such as the Internet, and requests the user authentication of the digital voucher of the user. If the user authentication is successful, the computer receives the corresponding information.

Another embodiment of the digital card reader of the present embodiment further includes a network connection unit, a control unit, and the like, which can be connected to a network therein, and directly connects to the use authentication server 1330 without passing through a computer to provide the digital gift certificate. It requests the user authentication for the service and receives the result.

According to the present invention, a user can variously mount a credit card, a debit card, an identification card, etc. in the form of a digital card in his terminal without changing the hardware of the mobile terminal. As a result, all cards are mounted in the terminal without actually carrying them, so that they can be easily used anytime and anywhere. In addition, there is no fear of loss or theft of the card by not actually carrying the card.

In addition, if the password for the card is not known, even if the card is mounted in the terminal, the card cannot be used, thereby achieving superior security compared to the use of the existing card.

In addition, the user can mount all the cards issued by his mobile terminal, thereby enabling integrated management of all the cards. In addition, the user can report the loss and reissue only by notifying the agency managing the digital card issuance in order to receive the reissue of the card issued in the implementation of the mobile terminal.

Claims (20)

An issuing authentication server for issuing a digital card comprising a predetermined image file and a data file encrypted by storing credit card information, and downloading it to a user's mobile terminal; A mobile terminal which downloads the digital card from the issuing authentication server, stores it in a memory, controls an optical signal source in the terminal, and transmits information of a data file of one digital card as an optical signal; A digital card reader for detecting an optical signal output from the mobile terminal, converting the detected signal into an electrical signal and outputting the converted electrical signal; Payment terminal for requesting a credit card payment to the VAN company using the signal transmitted from the digital card reader Is equipped with a digital card to perform the same function as a credit card in the user's mobile terminal, payment system using a digital card to be able to use the same as the credit card. The payment system of claim 1, further comprising a transaction authentication server, wherein the transaction authentication server is connected to a mobile terminal, a payment terminal, a server of a VAN company, or a server of a credit card company when the user makes a payment using a digital card. Payment system using a digital card, characterized in that for performing transaction authentication. In response to a request from a user, a digital card that receives a credit card information from a server of the credit card company, issues a digital card comprising a data file encrypted by storing the received credit card information and an image file of the credit card. Issuer; A download unit for downloading the issued digital card to the user's terminal; Database that stores and manages information about issued cards and information about users And a digital card issuing server to mount a digital card issued to a user's terminal. An integrated mileage management system using digital cards, which allows multiple partners to use one integrated mileage card, Card issuing server for issuing an integrated mileage card consisting of a data file stored by encrypting a predetermined image file and card information, and downloaded to the user's mobile terminal, A mobile terminal equipped with the integrated mileage card and outputting information of the integrated mileage card in the form of an optical signal according to a user's request; A digital card reader for detecting a signal output from the mobile terminal, converting the detected signal into an electrical signal and outputting the converted signal; The mileage integration server receives information on the integrated mileage card and the mileage score to be accumulated from the digital card reader, converts the mileage score to be accumulated according to a preset method, and adds the integrated mileage card to the integrated mileage card. The integrated mileage management system using a digital card that can be integrated management of the mileage earned from a plurality of partners using a single integrated mileage card mounted on the user's mobile terminal. The mileage integration server receives information about the integrated mileage card and the mileage score to be used from the digital card reader, and subtracts the mileage score to be used from the integrated mileage of the integrated mileage card. Integrated mileage management system using a digital card. The apparatus of claim 4, wherein the digital card reader is A signal detecting unit for detecting an optical signal emitted from the mobile terminal, converting the detected signal into an electrical signal, and transmitting the electrical signal; Data transmission unit for transmitting the signal transmitted from the signal detection unit to the outside Integrated mileage management system using a digital card, characterized in that it comprises a. The mileage management system of claim 4, wherein the integrated mileage management system further comprises a computer connected to the digital card reader, wherein the computer is configured to integrate the mileage scores with information about the integrated mileage card transmitted from the digital card reader and the corresponding mileage score. Integrated mileage management system, characterized in that the transmission to the server. A card issuing server for issuing a digital ID card comprising a predetermined image file and a data file encrypted by storing identification information of an individual, and downloading the issued digital ID card to a mobile terminal of the user; A mobile terminal which downloads and mounts the digital ID card from the card issuing server and outputs the information of the digital ID card to the outside in the form of an optical signal according to a user's request; A digital card reader which detects an optical signal output from the mobile terminal, converts the detected optical signal into an electrical signal, and outputs it to an external device or outputs it to its own screen display unit; ID card issuing system using a digital ID card, characterized in that it comprises a. The system of claim 8, wherein the ID card issuing system further comprises a computer connected to the digital card reader, wherein the computer receives the corresponding signal from the digital card reader, reads the received signal, and then reads the digital ID card. The ID card issuing system using a digital ID card, characterized in that to output the information on the screen or the corresponding history information of the internal database on the screen. A controller for controlling the entire operation; A signal detector for detecting an optical signal output from the mobile terminal, converting the detected signal into an electrical signal, and transmitting the electrical signal; A network interface unit for connecting to an external network; Under the control of the control unit, a data transmission unit for transmitting a signal transmitted from the signal detection unit to an external management server using the network interface unit, or to receive predetermined data from an external management server; A receipt output unit for outputting a receipt using data received through the data transmission unit under the control of the controller; Digital card reading apparatus having a. The digital card reading apparatus of claim 10, wherein the digital card reading apparatus further comprises a key input unit for allowing a user to input. The digital card reading apparatus of claim 10, wherein the signal detector detects an acoustic signal output from the mobile terminal, converts the detected signal into an electrical signal, and transmits the converted signal. A digital lottery issuing server for issuing a digital lottery comprising a predetermined image file and a data file encrypted by storing the lottery number, and downloading the issued digital lottery to a user's mobile terminal; A mobile terminal which downloads the digital lottery ticket from the digital lottery issuing server and outputs data file information of the digital lottery ticket in the form of an optical signal in order to confirm whether or not it is won; A digital card reader for detecting an optical signal output from the mobile terminal, converting the detected signal into an electrical signal, and transmitting the converted signal to the outside; Receiving information about the digital lottery from the digital card reader, confirming whether or not the winning digital lottery wins and transmits the verification result to the digital card reader authentication server Issuing a digital lottery issuing is provided with a digital lottery issuing system to check whether or not winning the lottery issued. Door lock device that can be unlocked by using a mobile terminal, A memory in which a password of the door lock device is preset; A signal detector for detecting a signal output from the mobile terminal, converting the detected signal into an electrical signal, and transmitting the converted signal; A control unit for comparing the signal received from the signal detection unit with the password stored in the memory, and if it matches with each other to release the lock of the door Door locking device comprising a. A digital key issuing server configured to download a digital key comprising a data file encrypted by storing data input from a user to a user's terminal; A mobile terminal for downloading a digital key from the digital key issuing server and outputting information of a data file of the digital key in a predetermined signal form according to a user's command; It is provided with a door locking device that can release the lock state by using the mobile terminal, The door lock is A memory in which a password of the door lock device is preset; A signal detector for detecting a signal output from the mobile terminal, converting the detected signal into an electrical signal, and transmitting the converted signal; A control unit for comparing the signal received from the signal detection unit with the password stored in the memory, and if it matches with each other to release the lock of the door Door lock system, characterized in that it comprises a. The door locking system of claim 15, wherein the signal output from the mobile terminal is an optical signal or an acoustic signal, and the signal detection unit of the door locking device may detect an optical signal or an acoustic signal. (a) when the card menu is selected by the user, outputting a type of digital card mounted on the mobile terminal to the screen; (b) selecting one of the digital cards output on the screen by the user and outputting an image file corresponding to the selected digital card on the screen; (c) verifying identity for the user; (d) when the user is confirmed, outputting information of the data file of the digital card in the form of a predetermined signal; A recording medium readable by a computer or a mobile terminal that records a program for executing the program. 18. The recording medium of claim 17, wherein the output signal is an optical signal or an acoustic signal in the step (d). 18. The computer as claimed in claim 17, wherein the step (c) requests a user to input a password, and if the password input from the user matches a preset password, confirming that the user is the same. Recordable media that can be read by a mobile terminal. The method according to claim 17 or 19, wherein the step (c) requests the user to input specific biometric information, and if the biometric information input from the user matches the preset information, the user is the same. The recording medium readable by a computer or a mobile terminal, characterized in that it is confirmed.